Do you find yourself struggling with overthinking and overanalyzing your finances? Do you have a hard time allowing yourself some freedom to spend? In this episode of the Money Mindset Podcast, Ashley speaks to Melanie, who is struggling with overthinking and overanalyzing her finances, and discusses how financial planning can help her manage her finances better to stop her from overthinking. Ashley also encourages us to give ourselves permission to spend money on things we enjoy and shares a few tips on how to do so without derailing our financial goals. 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. “So you know, not everything has to be something you need, like if you just enjoy it and it's something you want, as long as it's reasonable and it's not putting you off track for your other goals, it's not keeping you from retirement, it's not keeping you in debt. Give yourself some joy. Give yourself permission to spend some money on things you just want because you can.” - Ashley Patrick Timestamps: 00:00 - Introduction to today's episode 01:45 - Melanie's background and struggles with overthinking credit card payments and tracking expenses 05:37 - Paying your credit card statement by the closing date 09:40 - Tips for tracking expenses and creating a schedule for credit card payments 17:05 - Tracking expenses on your own terms 20:45 - Encouraging people to have fun and spend money on things they want and enjoy 22:56 - Using your extra money for fun money 27:53 - Melanie's 24-hour action step If you would like to sit down with me and discuss what you are struggling with and some steps that you can take to make progress and get over that big struggle, I invite you to sign up for your own Budget Strategy Session episode at www.budgetsmadeeasy.com/strategy and have a mini coaching session with me. 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.