Services that offer a buy now, pay later program such as Afterpay can sometimes be more beneficial to use. It can be a great help when buying goods and items. But, if you are unable to keep up with your payments, you'll only end up with more debt. Listen in as Ashley shares tips on how to overcome buy now, pay later debts such as using your extra money to cover payments, tracking your spending, making extra money, and using cash envelopes to help save for future purchases and pay off debt. Hosting Today: Hey, I’m Ashley Patrick, a personal finance expert and founder of Budgets Made Easy. I help busy moms create systems to save money and pay off debt so they can reach their big dreams faster and easier. I was able to pay off $45,000 in just 17 months including $25,000 in student loans in just 10 months. I’m a Master Financial Coach and have a bachelor's degree in psychology and will help you get to the root of your money problems. Since my journey started I have been featured on Fox Business, Yahoo! Finance, Food Network, USA TODAY, MSN, CNBC, NerdWallet, and many others. “Make a list of priorities for where you want that money to go to so that it doesn't just get mindlessly spent but it can go towards your goal.” - Ashley Patrick Timestamps 00:00 - Introduction for today's episode 00:54 - How to sign up for your own Budget Strategy Session episode 02:06 - Meet Gwen 04:03 - Gwen's biggest struggle 08:02 - Actions Gwen can take to manage her financial struggles 14:48 - About the cash envelope system 21:32 - Gwen's 24 hour goal 25:08 - Making realistic goals 27:31 - Making visuals to remind you of your goals If you'd like to work through your own struggle with your budget 1:1 with me, sign up for a Budget Strategy Session on The Money Mindset Podcast! Sign up at www.budgetsmadeeasy.com/strategy And if you enjoyed the podcast today and got some great takeaways, I’d really appreciate it if you followed the Money Mindset Podcast so you don’t miss out on future episodes Resources and Links Mentioned: * Book your Budget Strategy Session here- www.budgetsmadeeasy.com/strategy Connect with Ashley: * Instagram: www.instagram.com/budgetsmadeeasy

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“What did the council decide on item 42?” — answered with the speaker and the moment.