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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.

  • 26 minutes 30 seconds
    #183: Preparing Financially for Divorce (Even if It’s Not on the Horizon)

    In this episode, I sit down with forensic accountant Tracy Coenen, who has spent over 25 years uncovering financial fraud in corporate cases and high-net-worth divorces. Tracy shares why it’s so important for women to be informed about their family’s finances, even if they think divorce is never on the horizon. We discuss practical steps you can take to protect yourself financially, common mistakes women make in marriage, and how to spot red flags if your partner is hiding money. 

    What You'll Learn in This Episode:

    • Why women need to protect themselves financially, even in a happy marriage
    • How to track down hidden money and spot financial red flags
    • The key financial information every woman should know about her family’s finances
    • How to start building financial independence, even within a marriage

    Resources Mentioned:

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    14 November 2024, 11:00 am
  • 24 minutes 56 seconds
    #182: Budget With Me: How I Budget For Our Family of Four

    In this episode, I’m taking you behind the scenes of how I budget for our family of four. If you've ever felt overwhelmed trying to keep up with bills, savings, and day-to-day expenses, this episode will help simplify the process for you.

    I’ll walk you through my exact budgeting method, from creating a bill payment calendar to tracking spending in real time using my favorite tool—my Budget My Paycheck Spreadsheet. Whether you’re new to budgeting or looking to streamline your current system, these steps will help you get more organized and reduce financial stress.

    Don’t forget to download my Budget My Paycheck Spreadsheet to make budgeting easier, and follow me on social media for more tips on how to manage your money!

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    7 November 2024, 11:00 am
  • 25 minutes 17 seconds
    #181: How to Be More Sustainable with Your Money with Kara Perez

    In this episode, Kara Perez, founder of Bravely Go and author of Green Money, joins me to talk about how we can align our financial decisions with sustainability. Kara breaks down simple steps you can take to make greener choices with your money, from switching banks to supporting local businesses. 

    She also shares why it's important to focus on systems rather than just individual actions when it comes to making a real impact. If you're curious about how you can be more eco-conscious with your finances, this episode is for you!

    Kara also gives us a sneak peek into her new book, Green Money, and offers practical ways to start making small but impactful changes in how we handle our money.

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    31 October 2024, 10:00 am
  • 19 minutes 10 seconds
    #180: The Truth Behind MLMs: Why They’re Shifting to Affiliate Marketing

    In this episode, we’re diving deep into the world of MLMs (multi-level marketing companies) and why so many of them, like Bodi (formerly Beachbody) and BeautyCounter, are switching to affiliate marketing models. What’s the difference between these models, and how does it impact the people who’ve built their income around MLMs?

    We’ll cover:

    • What MLMs really are and why they target women
    • Why some MLMs feel eerily similar to pyramid schemes
    • The big shift to affiliate marketing and how it’s leaving many coaches blindsided

    Plus, I share my thoughts on feeling torn: I empathize with people losing income, but I’m also relieved that some shady practices are coming to an end. Tune in to hear the full story!

    Article: Breaking My Silence on Beachbody

    Check out the Budget My Paycheck Spreadsheet

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    24 October 2024, 10:00 am
  • 27 minutes 5 seconds
    #179: How the “Do Both” Method Helped Germaine Foley Pay Off $200K Debt Without Sacrificing Joy

    In this episode, Allison Baggerly chats with Germaine Foley about her remarkable journey to paying off $200,000 of debt while still enjoying life. Germaine shares the turning point that led her and her family to take control of their finances and how they achieved financial freedom without sacrificing the things they love.

    What You’ll Learn:

    • The Turning Point: Discover the moment that motivated Germaine to take action on her family’s debt and why daycare costs were the final straw.
    • The “Do Both” Method: Learn how Germaine developed her unique approach to managing money, which allowed her to pay off debt while still taking vacations and enjoying life’s pleasures.
    • Practical Tips: Get actionable advice on how to balance paying off debt with living a fulfilling life, including setting financial goals and identifying what truly matters to you.

    If you want to turn your financial life around without giving up what makes you happy, then this episode is for you.

    Links Mentioned:

    Sign Up For Germaine’s Wealth Class

    Listen to The Wealthy Woman’s Podcast

    Check our her Instagram @germainefoleycoaching

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    17 October 2024, 10:00 am
  • 18 minutes 57 seconds
    #178: Hidden Costs Every Homeowner Needs To Know About

    Thinking about buying a home? Already own one? In today’s episode, I’m breaking down the hidden costs of homeownership that most people don’t plan for. From unexpected maintenance costs (hello, $2,000 plumbing bill!) to rising insurance premiums and HOA fees, I’m sharing real-life stories and tips to help you prepare for the true cost of owning a home.

    What You’ll Learn:

    • The surprising costs that hit homeowners (like repairs and rising property taxes)
    • How home insurance in some areas is becoming more expensive and limited
    • The golden rule for making sure your mortgage (and all its hidden costs) don’t break your budget

    Don’t miss this episode—it could save you a ton of money and stress down the road!

    Check out the Budget My Paycheck Spreadsheet


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    10 October 2024, 10:00 am
  • 28 minutes 16 seconds
    #177: How Jo Harris Paid Off $51K Thanks To Her Side Hustle

    If you're on a debt-free journey, staying motivated is key—and one of the best ways to do that is by hearing from others who are right there with you!

    In this episode, Jo Harris opens up about how she and her husband knocked out $51,000 in debt. She shares some great tips on boosting your income through side hustles, finding a budget that works for you, and getting on the same page with your partner when it comes to money. 

    If you're looking for inspiration and practical advice to keep going, then this episode is for you!

    Links Mentioned:

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    3 October 2024, 10:00 am
  • 17 minutes 6 seconds
    #176: How to Manage Your Money When Everything Feels Too Expensive

    In this episode, I’m tackling the financial pressure we’re all feeling as the cost of living keeps rising. From insurance premiums to everyday expenses, it can feel like we’re drowning. But you’re not alone—and you’re not powerless.

    Join me as I share practical steps to help you take back control of your finances. I’ll show you how to reassess your budget, prioritize the essentials, shop around for better deals, and build an emergency fund—no matter how small. Plus, I’ll offer encouragement for anyone feeling overwhelmed, because better days are ahead.

    What You'll Learn in This Episode:

    • How to adjust your budget to reflect rising costs
    • Tips for cutting back and prioritizing the essentials
    • How to shop around for lower insurance rates
    • Starting an emergency fund, even if you feel stretched thin
    • Encouragement for managing financial stress

    Check out Allison's New Budget My Paycheck Spreadsheet


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    26 September 2024, 10:00 am
  • 32 minutes 53 seconds
    #175: Paying Off Debt & Dealing With Financial Anxiety with Zoe Pritchard

    Zoe Pritchard, a YouTuber and personal finance content creator, shares her journey of paying off $35,000 of student debt and improving her relationship with money. Growing up, money was a tense topic in her family which had a direct impact on her own financial wellness.

    In this episode you’ll learn:

    • What happened when Zoe started openly discussing her financial struggles on YouTube.
    • How she paid off $35,000 of student loan debt.
    • What she has done to alleviate her financial anxiety.

    If you have debt, or struggle with stress around money then this episode is for you!

    Check out Zoe's Youtube Channel
    Catch up with Zoe on Instagram @zoexpritchard

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    19 September 2024, 10:00 am
  • 21 minutes 18 seconds
    #174: Is the TikTok Underconsumption Trend Actually Just Normal Spending?

    In this episode, I’m diving into the TikTok trend of underconsumption and sharing my thoughts on why it’s actually just normal spending. We’ve been so influenced by social media to keep buying and upgrading that sticking to what we already have seems like a radical idea. 

    Let’s talk about what underconsumption really is, why it’s trending, and how it can change the way you think about money.

    What you'll learn:

    • What underconsumption is and why it’s gaining popularity.
    • How social media pressures us to overspend and why that’s not sustainable.
    • The financial benefits of being more intentional with your spending.
    • How to balance spending on what you need and what brings you joy.

    This episode is perfect for anyone who’s feeling overwhelmed by the constant pressure to buy more and wants to be more mindful with their money.

    Links Mentioned: Budget My Paycheck Spreadsheet


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    12 September 2024, 10:00 am
  • 31 minutes 1 second
    #173: Building Unique Airbnb Rentals: Whitney Hansen's Journey

    In this episode of the Inspired Budget Podcast, Allison Baggerly talks with Whitney Hansen about her exciting journey into owning unique short-term rentals in Idaho. Whitney shares how she built her properties from the ground up and the money strategies that helped her make it happen.

    What You'll Learn:

    • Whitney’s Rental Adventure: Find out how Whitney turned her dream into reality by creating a one-of-a-kind geodome in the Idaho mountains and why she chose to make it unique.
    • Financing the Dream: Learn about the creative ways Whitney managed to fund her projects, using strategies like home equity lines of credit (HELOCs) and careful budgeting.
    • Advice for Future Hosts: Whitney shares practical tips for overcoming challenges like finding reliable caretakers and embracing the quirks that make her properties special.

    Join us for this inspiring chat as Whitney Hansen shares her story of blending creativity with real estate and gives tips for anyone looking to follow in her footsteps.

    Connect with Whitney Hansen: @whitney_hansen_co

    Check out the Cascade Dome

    Check out the Flower Pot

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    5 September 2024, 10:00 am
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