Most budgeting New Year’s resolutions fail—not because you are bad with money, but because you're using the wrong approach.In this episode of The Teacher Money Show, I sit down with Kristin McGlothlin, financial coach at MyBudgetCoach, to talk about the right way for teachers to set a budgeting New Year’s resolution that actually sticks.Instead of rigid rules and guilt-driven budgeting, Kristin and I reframe a budget as a flexible plan for your money—one that adapts to real life, busy schedules, and the emotional side of spending.In this episode, you’ll learn:What a budget really is (and why it’s not about restriction or shame)The most common budgeting mistakes people make in JanuaryWhy being too rigid causes budgets to failHow zero-based budgeting brings clarity and control on a teacher salaryWhy tracking spending first is more important than scorched Earth cutting expensesHow accountability and coaching dramatically increase successWhy teachers must prioritize their own financial well-beingThis conversation is perfect for teachers who:Have tried budgeting before and “fallen off the wagon”Feel overwhelmed and don't know whereto startWant a sustainable system instead of another short-lived resolutionIf your goal this year is to feel confident, calm, and in control of your money, this episode will help you build a budgeting resolution that works with your life—not against it.👉 Subscribe for practical, teacher-focused personal finance👉 Share this episode with a colleague starting over (again) this JanuaryExplore show notes and resources:https://www.teachermoneyshow.com/show 107Become a guest on the show:https://www.teachermoneyshow.com/guestLeave a voicemail question:https://www.speakpipe.com/teachermoneyshowBring Shaun to your school for personal finance PD:https://www.shaunkmorgan.com#TeacherMoneyShow #BudgetingForTeachers #NewYearsResolution #ZeroBasedBudget #MyBudgetCoach #PersonalFinanceForTeachers #MoneyMindset #TeacherLife

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