Budgeting doesn’t have to be perfect—it just has to start. In this episode of the Female Finance Collective Podcast, Jen and Sybil dig into the emotional blocks that keep women from budgeting, the myth of doing it “right,” and what to do if you feel embarrassed, overwhelmed, or completely lost with your money. You’ll walk away with simple, empowering first steps (no shame allowed!) and the support you need to keep going.

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Timestamps:

00:00 Welcome to the Female Finance Collective

01:00 Why budgeting feels hard—and what most people get wrong

02:00 Emotional blocks: shame, embarrassment, and self-doubt

03:00 The myth of the “perfect” budget

04:50 Overcomplicating = procrastinating

06:00 Why tracking spending is step one

08:00 How to categorize spending and find patterns

09:00 Wants, needs, and future financial goals

10:30 Budgeting tools: notebook, spreadsheet, app—start where you are

11:00 Keep your budget visible and usable

12:00 No one “right” way—just what works for you

13:00 Find a money accountability partner

13:50 Call to action: Track your spending for one week

*Disclaimer: The Female Finance Collective podcast is for educational purposes only as we share our personal experiences and opinions. To make the best financial decisions for you, research and contact a financial advisor with questions. Remember, all investments involve some form of risk; there is no guarantee that you will be successful in making, saving, or investing money, and there is always a risk of loss when investing.