114: Why Budgeting Doesn’t Work (and what to do instead) with Jill Sirianni


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Oct 07 2024 55 mins   254 2 1

I have an honest confession to make. I am a terrible budgeter, but I’m a world-class financial goldfish. In this episode, I’ll explain my “financial goldfish” status and budgeting for our neurodiverse brains. I’m joined by Jill Sirianni, host of the Frugal Friends Podcast. If you’re like me, and budgeting just doesn’t work for you, you’ll learn a lot from our conversation. Join us!

Show Highlights:


  • Characteristics of a financial goldfish

  • Budgets–the diet of the financial landscape (and they don’t work any more than diets do for most people)

  • Top reasons we fall victim to impulse buying

  • The myth of “Wants vs. Needs”

  • The downfalls of typical antiquated budgeting

  • Creativity in meeting needs without spending

  • Jill’s 90-day transaction inventory

  • Helpful online tools

  • A moral problem vs. a systemic problem

  • KC’s helpful hack to be more thoughtful before spending impulsively (like late-night DoorDash)

  • Jill’s tips for creating a pause before spending: keep a list and buy second-hand

  • Understanding the marketing behind sales

  • Making choices about your behavior today that may not align with spending habits held up as the “standard”

  • Understanding values-based spending

  • In finances, one size does NOT fit all.

Resources and Links:

Connect with Jill Sirianni and Frugal Friends: Frugal Friends Podcast and Buy What You Love Without Going Broke book by Jen Smith and Jill Sirianni (pre-order now!)

Connect with KC: Website, TikTok, Instagram, and Facebook

Get KC’s book, How to Keep House While Drowning

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