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Inspired Budget

Allison Baggerly

The Inspired Budget Podcast helps women live their best life and reach their money goals. Join me here for inspiring conversations to help you learn more about budgeting, saving money, paying off debt, and investing for your future. You’ll be hearing not only from me, but others along the way that have a story and voice to share.

  • 29 minutes 54 seconds
    #155: From $600K Inheritance to $220K Debt: Haley & Justin's Debt-Free Journey

    Haley and Justin inherited $600,000 but ended up blowing through the money and accumulating $220,000 of debt. They share their journey of lifestyle inflation, realizing the extent of their debt, and taking steps to address it. 

    You Will Learn:

    • Why inheriting a large sum of money at a young age can be overwhelming and lead to lifestyle inflation.
    • How to have open communication about money with family members.
    • Why creating a budget and tracking expenses is crucial to gaining control over spending habits.

    Check out Haley and Justin's Podcast Price of Avocado Toast

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    2 May 2024, 10:00 am
  • 29 minutes 5 seconds
    #154: Behind The Scenes: A Money, Life, and Business Update

    My birthday is next week so I thought it would be fun to give you a little personal and life update! This episode will give you a behind the scenes look at my money, family, and business life.

    In this episode you’ll learn about:

    • How budgeting has changed for our family over time
    • What we are currently splurging on
    • What trips we have planned next
    • The routines that help me balance work and life
    • What I’m working on for Inspired Budget

    Would you mind celebrating my birthday by writing a review for the Inspired Budget Podcast? It would mean the world to me!

    Check out my embroidery picture!

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    25 April 2024, 10:00 am
  • 36 minutes 45 seconds
    #153: Raising Money Smart Teens with Rob Phelan

    Rob Phelan, a high school financial educator, is on a mission to change how kids, specifically teenagers, learn about money. 

    In this episode you’ll learn:

    • How to have conversations about money with teenagers
    • How to create opportunities for teens to practice managing money
    • Financial challenges faced by young adults - and how to prepare teens to face these challenges
    • Practical strategies you can do at home to teach your kids/teens about money

    Check out Doug Nordman and Carol Pittner's Book Raising Your Money Savvy Family
    Check out Dan Sheek's Book First to a Million
    Check out Clifton Corbin's Book Your Kids Their Money
    Check out Rob Phelan's Children's Book M is for Money
    Check out Rob Phelan's Workbook The Simple Startup
    Connect with Rob on Instagram @fieducator

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    18 April 2024, 10:00 am
  • 15 minutes 52 seconds
    #152: Stressed About Money? Here's What To Do

    Let's talk about stress. You know, that constant companion we all have hanging around, lurking in the corners of our minds?

    Well, according to a new Fidelity study, when it comes to managing money, stress is the word on everyone's minds, especially for women. In fact, an alarming 93% of women feel the weight of financial stress pressing down on their shoulders. And let's be real, that's a lot of stress. Like, "where did I leave my keys?" levels of stress, but on a whole other level.

    But don't worry, because where there's stress, there's always a solution. 

    In this episode, Allison shares 3 proven strategies to help listeners regain control and say goodbye to financial stress. If you have even the smallest stress or worry when it comes to your money, this episode is for you!


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    11 April 2024, 10:00 am
  • 29 minutes
    #151: Paying Off Student Loans with Zina Kumok

    In this episode, Zina Kumok shares her journey of paying off $24,000 in student loans in just three years. She emphasizes the importance of budgeting and tracking expenses, as well as the power of making small extra payments. 

    Zina also discusses the balance between frugality and happiness, and the need to find peace with past money choices. She highlights the shift in personal finance advice for Gen Z and the importance of considering the emotional aspect of money. 

    Takeaways

    • Budgeting and tracking expenses are crucial for managing debt and achieving financial goals.
    • Making small extra payments can have a significant impact on debt payoff.
    • Finding a balance between frugality and happiness is important for overall well-being.
    • It's essential to find peace with past money choices and focus on personal growth.
    • Personal finance advice is shifting to consider the emotional aspect of money and the individual's unique circumstances.
    • Finding deeper reasons for financial goals and aligning them with everyday life can provide motivation and fulfillment.

    Wall Street Journal Article on Gen Z and Dave Ramsey
    Check out Zina's Website
    Follow Zina on Instagram
    Follow Zina on Youtube

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    4 April 2024, 10:00 am
  • 24 minutes 7 seconds
    #150: How To Save and Budget For Your Next Vacation

    Ever dreamt of lounging on sandy beaches or exploring vibrant cities but felt overwhelmed by the costs? Imagine returning from your dream vacation only to face a mountain of credit card bills. That's not the vacation ending anyone wants. 

    By mastering the art of saving and budgeting, you not only ensure you can afford your dream getaway but also shield yourself from post-vacation financial stress. In this episode, we're diving into the art of making your dream vacation not just a fantasy but an affordable reality. 

    You will walk away with practical strategies and tips to help you stay on budget while planning your next adventure. From booking accommodations to planning your meals, Allison is covering it all! Plus she’s sharing how she’s used these strategies in her own life.

    Tune in to our episode for more valuable insights and tips on how to plan, save, and budget for your dream vacation. Happy travels!



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    28 March 2024, 10:00 am
  • 26 minutes 23 seconds
    #149: Strategies For Couples Facing Debt

    In this episode, Allison interviews Alli Williams about how she and her partner handled their financial situation when one had more debt and the other was debt-free. Alli shares her personal story of marrying into six figures of debt and how they worked together to create a plan to pay it off. 

    They discuss the emotional side of dealing with debt and the importance of not letting it define your worth. Alli also provides tips for getting a reluctant partner on board with paying off debt and setting financial goals as a couple.

    Follow Alli on Instagram: @financiallifocused

    Check out Alli’s Website

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    21 March 2024, 10:00 am
  • 15 minutes 45 seconds
    #148: Off Track With Your Money? Do These 4 Things!

    In this episode, Allison shares four essential steps to help you regain financial focus and get back on track with your budget, paying off debt, or savings. She emphasizes the importance of giving yourself spending money to avoid feelings of deprivation and impulse spending. Breaking big goals into smaller, more manageable goals helps to prevent overwhelm and frustration. Tracking and monitoring your progress keeps you motivated and engaged in your financial journey. Finally, completing a money reset allows you to realign your priorities and adjust your strategy for success.

    Takeaways

    • Give yourself spending money to avoid feelings of deprivation and impulse spending.
    • Break big goals into smaller, more manageable goals to prevent overwhelm and frustration.
    • Track and monitor your progress to stay motivated and engaged in your financial journey.
    • Complete a money reset to realign your priorities and adjust your strategy for success.

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    14 March 2024, 10:00 am
  • 34 minutes 13 seconds
    #147: How To Change Your Outlook On Money with Diania Merriam

    In this episode, Diania Merriam shares her personal journey from financial illiteracy and debt to achieving financial independence and retiring at 33. She emphasizes the importance of shifting from a scarcity mindset to an abundance mindset when it comes to money. 

    Diania provides action steps for listeners, including surrounding themselves with abundant people, reading abundance-based books, and expressing appreciation and gratitude. By adopting these practices, you can develop a healthier relationship with money and find contentment in your financial journey.

    Takeaways:

    • Shift from a scarcity mindset to an abundance mindset when it comes to money.
    • Surround yourself with abundant people who have a positive outlook on money.
    • Read abundance-based books to change your perspective and mindset.
    • Express appreciation and gratitude daily to cultivate a sense of abundance and contentment.

    Listen to Diania's Podcast
    Check out the EconoMe Conference
    Watch the EconoMe YouTube Channel

    Here are some of the books that Diania mentioned:
    The Obstacle is the Way by Ryan Holiday
    Do Nothing by Celeste Headlee
    The Pathless Path by Paul Millerd

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    7 March 2024, 11:00 am
  • 16 minutes 35 seconds
    #146: Should You Save Or Pay Off Debt?

    Should you save money or pay off debt? Can you do both?

    You’re likely listening to this episode because you want to pay off debt. Imagine you're in the middle of a tug of war, but instead of teams, you've got your savings goals on one side and your debt on the other. You're pulling hard towards one side, trying to make progress, but it feels like the other side is pushing back just as hard. 

    It's like you're stuck in this never-ending struggle, and it can get pretty frustrating. The trick is to figure out how to manage your money just right so you're not constantly feeling pulled in two directions at once. Balancing the two is key to keeping your sanity and making progress on both your debt free journey as well as your savings journey.

    In this episode, I discuss:

    • Five actionable steps to pay off debt and save money simultaneously. 
    • Why your emergency fund can keep you out of debt.
    • How to invest for the future while paying off debt.

    This episode is perfect for anyone who has asked themselves if they should save money or pay off debt.

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    29 February 2024, 11:00 am
  • 30 minutes 49 seconds
    #145: How Nika Paid Off Over $200,000 of Debt

    When $200,000 looms over you like a financial Everest, how do you begin the climb to freedom? Nika Booth didn't just start the trek; she conquered it, and in this episode, she's laying out the map.

    We unravel Nika's enthralling journey, which started amid the chaos of a government furlough and led to the creation of an Instagram page for budgeting transparency and accountability. Her story is not just about escaping debt; it's a testament to the power of taking control, with candid insights into how confronting her own sizable tax debt changed her approach to personal finance forever.

    This conversation goes beyond dollars and cents, delving into the emotional heart of debt reduction—community and vulnerability.  We discuss how the solidarity and accountability of an online community were instrumental in navigating the rough waters of financial instability.

    Budgeting doesn't have to mean skimping on joy; it's about intelligently mapping your future. Nika and I dissect the overwhelming prospect of large debt into manageable pieces, emphasizing the importance of pacing and celebrating every step of progress.

    Follow Nika on Instagram @debtfreegonnabe
    Sign Up for Nika's Webinar
    Follow Nika's Website

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    22 February 2024, 11:00 am
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