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in Blog on January 9, 2023 by Sarah Limberg

Make Budgeting FUN In 2023 With These Resources

An earlier version of this post appeared in 2022. As families look to keep up with rising costs this year, we’re sharing it again!

Growing up, we went through periods when we didn’t have a lot. It made me very aware of making the most of what we had. Overspending in one area often meant sacrificing in another. In college, I learned how to budget so my part-time job making lattes would pay my rent and provide groceries. Eventually, I graduated with my MBA and $75k of student loans to pay off. My husband and I needed to get very serious about our budget to pay off those loans, and we did it.

Now that I’m a mom, we have different financial goals. Emergency savings, a college fund, family trips, and hopefully creating a financially comfortable life for our daughter. And who knew one child could come with so many new expenses?! Between the diapers, clothes, car seats, and doctor’s bills, she quickly became her own category in our budget. My budgeting goal for our family is to financially prepare us for the expected and the unexpected. Eventually, I want to teach my daughter how to do the same for her future.

Starting to budget can feel overwhelming. There are so many directions to go, different systems, different accounts, and how do you know how much you’re actually spending on groceries? At the most basic level, I think of budgeting as understanding how much money is coming in and how it’s being spent. 

Thanks to the Internet, if you’re feeling overwhelmed about budgeting or finances there are some great Instagram accounts, podcasts, and apps that can help. These are some of the financial resources that I look to the most, I hope that you find something to learn from, too!

@thefinancialdiet

The Financial Diet Instagram account is focused on helping women comfortably talk about money. I love this account because makes often intimidating topics, like investing, budgeting, and financial decisions, conversational and comfortable.

@thebudgetmom

Kumiko Love, aka The Budget Mom, was a struggling single mom, and through budgeting and financial literacy became a money expert. I find her suggestions of setting small savings goals very approachable and encouraging.  

@thebrokeblackgirl

Dasha is a financial activist who is passionate about empowering women to be financially independent. She’s all about financial independence and is all for the occasional splurge on a great set of PJs.

@thefinancebar

The Finance Bar is an educational Instagram account that shares financial tips and reminders to help you learn healthy financial habits. They offer great suggestions for quick exercises to stay on track like reviewing bank statements at the beginning of the month or listing out known future expenses to plan accordingly. 

Money Girl’s Quick and Dirty Tips

Laura Adams’, aka the Money Girl, podcast super helpful in learning about a range of financial topics. I find the podcast medium helps me grasp the concepts that might be more complex for me like 401k, retirement accounts, how buying a house works, or how to prioritize debt vs investing. The episodes are usually around 20 minutes which is the perfect length for them to stay approachable and not overwhelming. 

Good Financial Cents

This podcast by Jeff Rose covers a host of topics. Jeff discusses some big-time financial ventures, like how his blog has generated over $10 million dollars. While I can’t exactly relate to that, he speaks a lot about how to create a family culture of financial success and include your children in financial decisions, which I enjoy learning about. 

Mint

Mint is a free budgeting app that helps you create and track your finances in one place. It connects your accounts and cards and categorizes your spending so you can always know where you stand. I’ve used this app in the past and really like that it is easy to set up and intuitive to use.

Simplifi

Simplifi is the app that I use for our family’s budgeting and tracking. This app costs $40/year but with that, there aren’t any ads in the app or pop-ups about new credit cards that you will find in most other apps. I think it has some of the best organizing and categorization which is why we’ve been using it for the last year! 

Wherever you are on your budgeting journey, I’m cheering you on! Learning about our finances makes them easier to talk about and easier to tackle. Don’t be afraid to roll your sleeves up and look at those bank and credit card statements!

Featured image by Pawel Czerwinkski on Unsplash.

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Filed Under: Blog Tagged With: money

About Sarah Limberg

Sarah lives in San Diego, California, with her infant daughter and husband. She’s a new mom figuring out something different every day, which is both amazing and exhausting. Both Sarah and her husband work in the world of sports, so if they’re not watching a game, you’ll find her cooking, reading, or sneaking a nap.

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Here’s your January reminder to save shoeboxes f Here’s your January reminder to save shoeboxes for February and March classroom projects! Valentine boxes and leprechaun traps are around the corner, and shoe boxes are so much harder to come by these days. Consider this a friendly head’s up from a mom who’s been there.

Want more help and tips, plus reassurance that you’re doing a great job? (You are.) Search for The Mom Hour in your favorite podcast app and hit subscribe!

#kindergarten #firstgrade #valentinebox #leprechauntrap #shoeboxcraft #roomparent #roommom #classroomvalentines #parenting #momlife #parentingtip #tipsformoms
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Since this week's podcast episode is all about kids and alone time, we thought we'd revisit this resource on the blog by Sandy Hsu:

👉 How To Encourage Independence In Preschoolers With A “Quiet Time” Routine. 👈 

Sandy (@hopefulsmiles) give tips for implementing a successful quiet time routine AND rounds up products and activities that help make independent play more likely - even in young preschoolers. Check it out by clicking this image at the link in our bio!

#quiettime #parentingtoddlers #parentingpreschoolers #momoflittles #stayathomemom #stayathomeparent #activitiesforpreschoolers #activitiesfortoddlers #threeyearolds #fouryearolds #fiveyearolds #momlife #sahm #sahmlife
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Find the episode wherever you get your podcasts, or click this image at the link in our bio!

#themomhour #motherhood #mompodcast #podcastsformoms #parenting #parentingpodcast #podcastlove #trypod #podcastersofinstagram #shepodcasts
New episode! With all the day-to-day planning requ New episode! With all the day-to-day planning required to run a household, it's easy to put longterm planning on the back burner. Today Meagan and Sarah share lessons we've learned (or are still learning) that help us look ahead at a whole year, quarter, or month at a time. From knowing ourselves and our seasonal rhythms to figuring out where they keep next year's school calendar, we've picked up a few things over the years, and we're ready to dive in for 2023. Join us! 

Find the episode wherever you get your podcasts, or click this image at the link in our bio!

#themomhour #motherhood #mompodcast #podcastsformoms #parenting #parentingpodcast #podcastlove #trypod #podcastersofinstagram #shepodcasts
Happy Saturday! Been meaning to check out a deal y Happy Saturday! Been meaning to check out a deal you heard on our podcast? You're in luck because here's our sponsor roundup for January. Once a month, we use this space to thank our partners and remind you of their special offers. For our special promo codes and links, just tap our saved "Sponsors" highlight or search the brand name on our website. And when you do check out our sponsors + use our links and codes, it helps support our show! We also collect ALL our active promo codes in our email newsletter - which is full of our latest episodes and blog posts, personal updates, community news, and more. Tap on this image at the link in our bio to subscribe today.

Shoutout to our NEW sponsors:
🍳 @caraway_home (10% off gorgeous, non-toxic cookware!)
💪 @futurefitapp (risk-free trial of 1-on-1 personal training!)
🔪 @prepdish (2 weeks free of healthy, prep-ahead meal plans!)
🎨 @minted (design marketplace with art, bags, gifts & more!)
📚 @chatbooks (deals on the easiest photo books ever!)
😍 @fabletics (2 stylish workout bottoms for $24!)

And welcome back . . . 
⭐️ @stitchfix ($20 off your 1st purchase!)
⭐️ @theessentialcalendar (10% off full-season calendars!)
⭐️ @hiyahealth (50% off 1st order!)
⭐️ @kiwico_inc (50% off your 1st mo!)
⭐️ @athleticgreens (1yr of Vit.D + 5 travel packs!)
⭐️ @vionicshoes (free shipping on cute, comfy shoes!)
Braces on, braces off. First phones, driver's ed, Braces on, braces off. First phones, driver's ed, high school registration. As we discussed in this week's episode, we still get all the feels when older kids meet cultural or developmental milestones - even if they cringe when we celebrate and share.

Would love to hear what you're celebrating about your older kids! Everything from learning a new skill to blossoming independence - leave us a comment! 

PS - Listen to the episode in your favorite podcast app, or by clicking this image at the link in our bio!

#parenting #parentingbigkids #parentingteens #parentingtweens #bigkidmilestone #teenagers #tweens #momoftweens #momofteens #momofteenagers
Turns out, when your last baby approaches double-d Turns out, when your last baby approaches double-digits, you find yourself staring a different milestone right in the (puffy) face:

It's been a decade since I was pregnant for the last time. 

This photo was taken the morning of my scheduled c-section, just a few hours before we'd meet our third and last babe. It's hard to remember, but I'm SURE I was ready to be done. Constant braxton-hicks, heartburn I hadn't experienced with the other two, food aversions that lasted the whole 39w5d, and physical exhaustion trying to keep up with a 2- and 4-year old: all part of an otherwise uncomplicated pregnancy, but still nobody's idea of easy.

I don't miss it - being pregnant. Grateful to have had the experience, absolutely. But I've never really pined for another go-around, at least not seriously. Still, a whole decade removed feels as significant a milestone to me as does the notion that that double-dimpled babe will blow out ten candles this weekend.

Time, like, whoa. 

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➡️ What Teachers & Educators Wish Parents Knew About Making School Decisions ⬅️

This piece is a collaboration between four educators on our team whose careers span preschool through middle school. They weigh in what what they wish parents knew about things like...

...choosing “the right school” 
...what it means to be “ready for kindergarten” 
...visiting a school for a tour or open house 
...learning to read 
...kids and friendships; playground politics
...making school decisions for a special needs student 
...becoming part of a classroom or school community 
 
Click this image at the link in our bio to get the guide. Bookmark it, send it to your co-parent or mom friends, and use it as a starting place as you wade through this tricky time of year! 

@lisaapayne4 @ashleydawn519 @thepaperdart @cafedumartin
C-e-l-e-b-r-a-t-e good times, come on! Today’s e C-e-l-e-b-r-a-t-e good times, come on! Today’s episode is number 400! We can’t think of a better way to celebrate hitting a big podcast milestone than talking about how we honor birthdays and milestone celebrations in our families – especially as kids get older. Join Meagan and Sarah as we offer insight into making birthdays special for big kids, tweens and teens; how kids getting older hits us differently as moms, too; and how honoring big kid milestones gets tricker, but still gives us all the feels. 

Find the episode wherever you get your podcasts, or click this image at the link in our bio!

#themomhour #motherhood #mompodcast #podcastsformoms #parenting #parentingpodcast #podcastlove #trypod #podcastersofinstagram #shepodcasts
Y'all's reaction to our entire catalog now being a Y'all's reaction to our entire catalog now being available has been so fun! Listeners have told us that they're now able to re-listen to old favorites, or - amazing for us - share them directly with friends.

(If you missed it, previously, podcast apps showed only our most recent 300 episodes – less than half our catalog. The rest were only available on our website.)

Just for fun, we rounded up a few more of our team's favorite episodes from the early days of the podcast. Here are five MORE oldies that have stood the test of time, and that make for great entry-points to our early catalog.

You can listen from our website by clicking this image at the link in our bio – but EVEN BETTER, you can find the episodes in your favorite podcast app - just search by episode title, or keep on scrolling until you find them!
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Click this image at the link in our bio to get all Sarah's great recommendations - including these five Insta-follows!

@thebrokeblackgirl
@thefinancialdiet
@thebudgetmom
@thefinancebar
@lauradadams of #MoneyGirlPodcast 

#budgeting101 #budgettips #budget #budgetmom #budgetingforbeginners #budget101 #financialwellness #finance #personalfinance #money #2023goals #financialliteracy #familybudget
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looking for something?

Here’s your January reminder to save shoeboxes f Here’s your January reminder to save shoeboxes for February and March classroom projects! Valentine boxes and leprechaun traps are around the corner, and shoe boxes are so much harder to come by these days. Consider this a friendly head’s up from a mom who’s been there.

Want more help and tips, plus reassurance that you’re doing a great job? (You are.) Search for The Mom Hour in your favorite podcast app and hit subscribe!

#kindergarten #firstgrade #valentinebox #leprechauntrap #shoeboxcraft #roomparent #roommom #classroomvalentines #parenting #momlife #parentingtip #tipsformoms
Looking to implement daily "quiet time" for presch Looking to implement daily "quiet time" for preschoolers? Even for kids who want to GO GO GO all day long, having a built-in pause in the day can help develop independent play skills, encourage rest, and - of course - give caregivers a chance to reset as well.

Since this week's podcast episode is all about kids and alone time, we thought we'd revisit this resource on the blog by Sandy Hsu:

👉 How To Encourage Independence In Preschoolers With A “Quiet Time” Routine. 👈 

Sandy (@hopefulsmiles) give tips for implementing a successful quiet time routine AND rounds up products and activities that help make independent play more likely - even in young preschoolers. Check it out by clicking this image at the link in our bio!

#quiettime #parentingtoddlers #parentingpreschoolers #momoflittles #stayathomemom #stayathomeparent #activitiesforpreschoolers #activitiesfortoddlers #threeyearolds #fouryearolds #fiveyearolds #momlife #sahm #sahmlife
New episode! Does solitude come naturally to your New episode!

Does solitude come naturally to your kids, or are moments of solo play far and few between? Meagan and Sarah read some research recently that challenged us to think about the importance of alone time, and whether our kids get enough. In this episode, we dive into our own childhood memories, how our children embrace (or run from) solitude, and how challenging it is to find that just-right balance. Join us! 

Find the episode wherever you get your podcasts, or click this image at the link in our bio!

#themomhour #motherhood #mompodcast #podcastsformoms #parenting #parentingpodcast #podcastlove #trypod #podcastersofinstagram #shepodcasts
New episode! With all the day-to-day planning requ New episode! With all the day-to-day planning required to run a household, it's easy to put longterm planning on the back burner. Today Meagan and Sarah share lessons we've learned (or are still learning) that help us look ahead at a whole year, quarter, or month at a time. From knowing ourselves and our seasonal rhythms to figuring out where they keep next year's school calendar, we've picked up a few things over the years, and we're ready to dive in for 2023. Join us! 

Find the episode wherever you get your podcasts, or click this image at the link in our bio!

#themomhour #motherhood #mompodcast #podcastsformoms #parenting #parentingpodcast #podcastlove #trypod #podcastersofinstagram #shepodcasts
Happy Saturday! Been meaning to check out a deal y Happy Saturday! Been meaning to check out a deal you heard on our podcast? You're in luck because here's our sponsor roundup for January. Once a month, we use this space to thank our partners and remind you of their special offers. For our special promo codes and links, just tap our saved "Sponsors" highlight or search the brand name on our website. And when you do check out our sponsors + use our links and codes, it helps support our show! We also collect ALL our active promo codes in our email newsletter - which is full of our latest episodes and blog posts, personal updates, community news, and more. Tap on this image at the link in our bio to subscribe today.

Shoutout to our NEW sponsors:
🍳 @caraway_home (10% off gorgeous, non-toxic cookware!)
💪 @futurefitapp (risk-free trial of 1-on-1 personal training!)
🔪 @prepdish (2 weeks free of healthy, prep-ahead meal plans!)
🎨 @minted (design marketplace with art, bags, gifts & more!)
📚 @chatbooks (deals on the easiest photo books ever!)
😍 @fabletics (2 stylish workout bottoms for $24!)

And welcome back . . . 
⭐️ @stitchfix ($20 off your 1st purchase!)
⭐️ @theessentialcalendar (10% off full-season calendars!)
⭐️ @hiyahealth (50% off 1st order!)
⭐️ @kiwico_inc (50% off your 1st mo!)
⭐️ @athleticgreens (1yr of Vit.D + 5 travel packs!)
⭐️ @vionicshoes (free shipping on cute, comfy shoes!)
Braces on, braces off. First phones, driver's ed, Braces on, braces off. First phones, driver's ed, high school registration. As we discussed in this week's episode, we still get all the feels when older kids meet cultural or developmental milestones - even if they cringe when we celebrate and share.

Would love to hear what you're celebrating about your older kids! Everything from learning a new skill to blossoming independence - leave us a comment! 

PS - Listen to the episode in your favorite podcast app, or by clicking this image at the link in our bio!

#parenting #parentingbigkids #parentingteens #parentingtweens #bigkidmilestone #teenagers #tweens #momoftweens #momofteens #momofteenagers
Turns out, when your last baby approaches double-d Turns out, when your last baby approaches double-digits, you find yourself staring a different milestone right in the (puffy) face:

It's been a decade since I was pregnant for the last time. 

This photo was taken the morning of my scheduled c-section, just a few hours before we'd meet our third and last babe. It's hard to remember, but I'm SURE I was ready to be done. Constant braxton-hicks, heartburn I hadn't experienced with the other two, food aversions that lasted the whole 39w5d, and physical exhaustion trying to keep up with a 2- and 4-year old: all part of an otherwise uncomplicated pregnancy, but still nobody's idea of easy.

I don't miss it - being pregnant. Grateful to have had the experience, absolutely. But I've never really pined for another go-around, at least not seriously. Still, a whole decade removed feels as significant a milestone to me as does the notion that that double-dimpled babe will blow out ten candles this weekend.

Time, like, whoa. 

-Sarah
If you're looking at school options for Fall 2023, If you're looking at school options for Fall 2023, you might be feeling overwhelmed by school tours, open houses, registration deadlines, or the all-too-common "red shirting question". That's why today we're revisiting an enormously detailed resource on our site: 

➡️ What Teachers & Educators Wish Parents Knew About Making School Decisions ⬅️

This piece is a collaboration between four educators on our team whose careers span preschool through middle school. They weigh in what what they wish parents knew about things like...

...choosing “the right school” 
...what it means to be “ready for kindergarten” 
...visiting a school for a tour or open house 
...learning to read 
...kids and friendships; playground politics
...making school decisions for a special needs student 
...becoming part of a classroom or school community 
 
Click this image at the link in our bio to get the guide. Bookmark it, send it to your co-parent or mom friends, and use it as a starting place as you wade through this tricky time of year! 

@lisaapayne4 @ashleydawn519 @thepaperdart @cafedumartin
C-e-l-e-b-r-a-t-e good times, come on! Today’s e C-e-l-e-b-r-a-t-e good times, come on! Today’s episode is number 400! We can’t think of a better way to celebrate hitting a big podcast milestone than talking about how we honor birthdays and milestone celebrations in our families – especially as kids get older. Join Meagan and Sarah as we offer insight into making birthdays special for big kids, tweens and teens; how kids getting older hits us differently as moms, too; and how honoring big kid milestones gets tricker, but still gives us all the feels. 

Find the episode wherever you get your podcasts, or click this image at the link in our bio!

#themomhour #motherhood #mompodcast #podcastsformoms #parenting #parentingpodcast #podcastlove #trypod #podcastersofinstagram #shepodcasts
Y'all's reaction to our entire catalog now being a Y'all's reaction to our entire catalog now being available has been so fun! Listeners have told us that they're now able to re-listen to old favorites, or - amazing for us - share them directly with friends.

(If you missed it, previously, podcast apps showed only our most recent 300 episodes – less than half our catalog. The rest were only available on our website.)

Just for fun, we rounded up a few more of our team's favorite episodes from the early days of the podcast. Here are five MORE oldies that have stood the test of time, and that make for great entry-points to our early catalog.

You can listen from our website by clicking this image at the link in our bio – but EVEN BETTER, you can find the episodes in your favorite podcast app - just search by episode title, or keep on scrolling until you find them!

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