Are you tired of the never-ending cycle of unexpected expenses that throw off your budget? In episode 3 of the Budget Series on the Money Mindset podcast, we delve into the little things that often disrupt our budgets—the unexpected expenses that catch us off guard. Join us as we explore the importance of planning for these irregular but necessary costs and how sinking funds can help. Discover practical strategies for allocating funds for expenses such as holidays, birthdays, vacations, clothes, school supplies, and more. Whether you prefer a detailed breakdown or a simplified approach, we've got you covered. Learn how to prioritize your spending and gain peace of mind, knowing you're prepared for those budget-busting surprises. 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. “Just know that you need to have a plan and know that these expenses are coming up so that mentally you're prepared as well as financially. Because mentally when these things come up, we feel like we failed because we didn't know or we forgot we didn't have the money set aside. But if you can pay for it without going further into debt, that's a huge win.” - Ashley Patrick Timestamps: 00:00 - Introduction to episode 3 of the Budget Series 01:56 - Step 3: Planning for those things that ruin your budget 03:42 - Different approaches to managing sinking funds 05:39 - Examples of sinking fund categories 10:10 - Flexibility in adjusting sinking fund allocations 11:16 - Prioritizing sinking funds based on personal preferences and needs 16:46 - Where to get the Budget Planner and Budget Spreadsheet Tired of wondering why you can't seem to get on track with your budget? It's because you don't have a proper plan for your money! Grab the Printable Budget Planner and the Paycheck Budget Spreadsheet and create a plan you can actually stick to! Visit www.budgetsmadeeasy.com/planner and www.budgetsmadeeasy.com/spreadsheet to get your planner and spreadsheet today. 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: Save $10 on the printable planner and spreadsheet: Code BS10 * Printable Budget Planner www.budgetsmadeeasy.com/planner * Paycheck Budget Spreadsheet www.budgetsmadeeasy.com/spreadsheet 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.