2479: [Part 2] Build a Budget That Actually Works by Chelsea Brennan of Smart Money Mamas on How to Plan Your Expenses and Not Overspend

Optimal Finance Daily - Financial Independence and Money Advice

Optimal Living Daily LLC

Investing, Self-improvement, Education, Business

4.5 • 1.3K Ratings

🗓️ 12 October 2023

⏱️ 10 minutes

🔗️ Recording | iTunes | RSS

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Summary

Chelsea Brennan of Smart Money Mamas talks about how to build a budget that actually works. This is part 2 of 2. Episode 2479: [Part 2] Build a Budget That Actually Works by Chelsea Brennan of Smart Money Mamas on How to Plan Your Expenses and Not Overspend Chelsea Brennan is a hedge fund investor turned online entrepreneur that helps moms make their money work for them and embrace their ambitions, so they can live their fullest lives. The original post can be found here: https://smartmoneymamas.com/step-1-2-build-that-budget/ Visit Me Online at OLDPodcast.com Interested in advertising on the show? https://www.advertisecast.com/OptimalFinanceDaily Learn more about your ad choices. Visit megaphone.fm/adchoices

Transcript

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0:00.0	Have you ever noticed how a calm mind can really set the stage for a good night's sleep?
0:05.1	That's the idea behind our new podcast, Good Sleep. Greg, our host from Optimal Relationships
0:11.3	Daily, is here to help ease you into a peaceful night's rest with some positive affirmations,
0:17.0	and these affirmations aren't just comforting. They can help ease anxiety and nurture positive
0:22.8	thoughts, setting you up for true good sleep. So press play on Good Sleep tonight because
0:29.4	a good tomorrow starts with a Good Night's sleep. Just search for Good Sleep in your podcast
0:35.2	app and be sure to pick the one from Optimal Living Daily.
0:40.2	This is Optimal Finance Daily, Episode 2479. Build a budget that actually works.
0:46.8	Part 2 by Chelsea Brennan of SmartMoneyMamas.com. And I'm your host and personal finance enthusiast,
0:53.9	Diana Mariam. Today's post is a continuation from yesterday, so if you're new here,
0:59.5	I'd recommend listening to yesterday's episode first. But if you're all caught up,
1:04.3	let's hear Part 2 and continue optimizing your life.
1:12.0	Build a budget that actually works. Part 2 by Chelsea Brennan of SmartMoneyMamas.com.
1:18.8	4. Create budgets for your true expenses.
1:24.7	We all know that in the 21st century, the demands on your spending go far beyond your basic human needs.
1:31.6	You can't function without your cell phone. The kids manage to go through 43 million
1:36.6	rolls of toilet paper, the roof leaks, and the dog needs to eat. True expenses are things that
1:42.8	just need to happen. It doesn't mean you aren't spending too much on those things,
1:47.4	cable and internet and luxury spa haircuts being prime examples, but you have to allocate
1:53.6	some money to it. One note on true expenses. Anything truly discretionary does not belong here.
2:01.5	Jim memberships, eating out budgets, hobbies, and things like it will be addressed in quality of
2:07.9	life. If you own a car or are responsible for the maintenance of your home, car and home repair
	...

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