Budgeting expert and Centsei Financial co-founder Mikayla Ockey joins Courtney and Carley to discuss the emotional tie between behaviors and budgeting. Budgeting trends and pitfalls are discussed and personal experiences swapped in this episode all about putting data over drama. Tune in for this emotion-based Math class; part of the Hey, Sister! Back to School series, airing August-September 2022.    Call to Action Answer the following 3 questions to increase awareness of personal spending behaviors How did your parents or guardians use money and how did it affect you?  When you left home and you were on your own for the first time, how did you use money? How does money affect you when you’re stressed?   Resources  Listen to the Hey, Sister! Back to School Music Class Episode   Listen to the Hey, Sister! Back to School Science Class Episode     Connect with Mikayla/Centsei Financial  https://www.centseifinance.com (free budgeting course + weekly emails with tips)   https://www.instagram.com/centseifinancial/     Connect with Hey, Sister! Podcast https://heysisterpodcast.org   https://www.instagram.com/theheysisterpodcast/   https://www.facebook.com/heysisterpodcast     Show Timeline 0:00 Introduction to Mikayla, founding Centsei Financial, money/marriage problems    7:00 Comparison is the thief of joy, get clear on priorities, getting out of debt, preliminary emergency fund, understand emotional aspects of spending   9:45 The most important lesson: breaking the misconception that only math-lovers can budget, 80/20 rule of budgeting (80% behavior, 20% number crunching)    11:45 3 questions that will bleed into all aspects of financial planning (see call to action); goals tied to emotions   15:00 Budgeting goals (feeling peace and confidence is the goal—not just “having $1000 in the bank”), first budgeting talks in marriage, timing is everything   18:15 Data over drama; avoid blame game   23:00 When one partner spends money outside of planned budget; re-evaluating goals, timeline, his/her fund   27:15 Budgeting roadmaps are personalized for your journey; destinations and timelines are different    28:45 Inflation and avoiding budgeting   31:45 Call to action, concluding thoughts, outtakes 

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