The Birth of Fearless Budgeting

Listen to this blog post: “I Can’t Stop Spending!” podcast, Episode 053.

I’ve decided to create a series of spending plan training podcasts because it feels like that is the most important information I can offer you right now. If you want help creating or maintaining a spending plan, this podcast series is for you. Even if you already have a spending plan, the training will be a helpful refresher and will likely provide you a with new perspectives and tips. It’s the exact same process I’ve successfully used with my one-on-one students for seven years. And there’s no charge for this podcast series.

The Birth of Fearless Budgeting

I decided to call my training podcast “Fearless Budgeting.” I wrestled with this name for months. As you may know, I despise the word budget, but I strongly believe in the act of allocating money to categories, which is the definition of budgeting. I’ll go into more detail about spending plans vs. budgets in a later episode. But “Fearless Budgeting” truly encapsulates my overriding approach … to gently take you by the hand and help you overcome your terror around facing the truth of your spending, which is a crucial first step in the process, and to ease you into a practice that will keep you clear around your money and engaged with your spending plan ongoing.

By the end of the series, you will have a spending plan foundation and you will know how to work with your spending plan ongoing. And, you can always arrange a one-on-one session with me if you need additional help. Just go to for details.
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New YNAB Training Video Available – Tracking Cash Spending in YNAB

I just created a new training video to help YNAB users. This is part two about tracking cash in YNAB.

(Sign up here to get 34 days free to test YNAB.)

In this video, I go over how to track spending cash in YNAB as well as how to reconcile the cash account. In part one, I go into depth about receiving cash. In both videos, I demonstrate how to do split transactions as well.

First Spending Plan Training Video Available: Tracking Cash in YNAB

I finally finished my first video to help people with their spending plan! This first video walks you through tracking cash in YNAB. It’s an area that many people find confusing, so I wanted to make a video walking you through the process.

Boy, it was both fun and challenging learning how to animate PowerPoint and getting the video to match the audio. 🙂

It starts off with some discussion about the topic of tracking cash, but you can go right to time stamp 3:13 to see the step-by-step demonstration.

I’d love your feedback on this video. Thanks … and I hope you find it helpful.

What You will Find on This Site

Blog Posts about Recovery from Compulsive Spending and Debting

(Scroll down for most recent posts) This website contains HUNDREDS of articles to help you work a program of recovery around compulsive spending and debting. Topics range from setting up a spending plan to working the steps to dealing with relationships in recovery … and much more! Pick a category from the Sidebar, type a topic in the “Search the Site” box, or just scroll down to read the most recent posts. The articles on this website were written by Susan B., a recovering compulsive spender and debtor. You can read about her recovery journey here.

Recovery Books

The Getting Out from Going Under Daily Reader for Compulsive Debtors and Spenders

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The Five Year Recovery Journal


I’m Back (Sort of)…

Well, that experiment (staying off technology) didn’t work very well, but I’m now working with a Physical Therapist (PT) who is expert in dizziness. During this time, I’ve been chomping at the bit to get back to the blog. I’m not really any better, but the new PT insists that staying off the computer is the worst thing I could do.


So I hope to have a real post shortly.

Stay tuned.

A (Hopefully) Brief Hiatus

For the next 30 days, at least, I’m going to be offline. If you have followed the blog, you know I have been disabled by dizziness/lightheadedness since 2010. Lately, it has really become unbearable and gets much worse on the computer.

In 2013, I had a consult with Dr. Smith, a UK doctor ( who believes that visual/mental processing (computer, reading, TV, writing, phone, etc.) needs to be drastically reduced (i.e., eliminated) to heal issues like mine. I wasn’t willing for two years, but now, I’m desperate because it has gone on for so long and is getting worse.

This is really going to be tough! But I’m so tired of being disabled by dizzines that I need to give this extreme treatment approach a real try. I’m figuring out the logistics, so will probably start Sunday or Monday. I’m keeping my fingers crossed that this is the path to finally finding some relief.

Dr. Smith says that this is just a temporary pause to allow the body to heal. So I’m hoping to be back in weeks, not months!

In the meantime, you’ll find hundreds of posts with information, inspiration, instructions, and guidance to help you work your DA program, the tools, and Steps. Click the Posts by Title tab in the Navigation menu, scan the sidebar for topics by category, or search for your topic.

And check out the Daily Reader for Compulsive Debtors and Spenders and Five Year Recovery Journal for daily inspiration you can carry with you.

In the meantime, my hopes for all of us are to stay committed to living within our means without incurring new unsecured debt one day at a time no matter what challenges we face!