Values-based budgeting is the key to approaching personal finances without shame and guilt.  Did you even think that was possible?! 🤯 Money is one of those topics that brings up a lot of emotion - usually negative. Guilt, shame, stress, anxiety, frustration… It’s exhausting! We feel guilt and anxiety if we spend. We feel shame if we’re “too stingy.” We feel frustration at ourselves or our situations. Does this sound at all familiar?  I can imagine you nodding in solidarity.  If you’re struggling with the burden of all of these emotions, you’re going to love what Jen Smith has to say. Jen is a personal finance expert and co-host of the top-rated Frugal Friends Podcast. She is also the best-selling author of The No-Spend Challenge Guide and Pay Off Your Debt for Good. She is legit!  For full show notes, including takeaways, click here. *** Announcement: Values Guide Workbook: Discover your personal values with Rachel’s awesome Values Guide Workbook! Head to the link!  Self-Assured Motherhood Program: If you want to dive even deeper, the doors to SAM will be opening soon!  Related Episodes:  369: How to Teach Your Kids about Money // Abby Chipman 203: 3 Ways to Change your Money Mindset Today // Sara Payne 363: Tips & Tricks for Family Travel // Meesha Slade Episode sponsors: KiwiCo: Use code 3in30 for 50% off your first month on any crate line! Greenlight: Sign up for Greenlight and get your first month free when you go to greenlight.com/3in30. Learn more about your ad choices. Visit megaphone.fm/adchoices