Number 1 Trick to Stop Worrying About Money

Did you know that financial worries keep 62% of people up at night? According to a survey by, money worries interfere with a good night’s sleep. If you are one of those people, then you know exactly what I’m talking about. But how do you get over money worries? You fix your money problem!

Don’t Wait! Fix Your Money Problems Now!

What? There’s a way to fix money problems? Yes. Money problems start because of mismanagement. When data shows that 50% of Americans live paycheck to paycheck, you know there is a serious money management problem in this country.

person with money worries

What’s the top money problem?

The number 1 problem is that people spend more than they earn. They rack up credit card debt to buy things they want right now, instead of waiting until they can afford it.

The 2nd biggest problem is that most people don’t budget and they have no idea how much money they are wasting on useless things. The issue is that people hate budgeting. It’s super boring! And it’s hard work. And you have to be a math genius to do it. Right? Wrong. Budgeting can be simple and easy, and anyone can do it. You just need a good program to follow.

Fix your money problems right now!

Look no further. I have created The Modern Mom’s EPIC Guide to Easy Budgeting. It’s available to you for free, right here on Momma Money Sense. I have used my years of work experience as an accountant and entrepreneur to come up with the perfect budget for people that hate budgeting. It’s easy. It’s doable. And it will keep you on track so that you stop overspending.

Download Your FREE Copy of The Modern Mom’s EPIC Guide to Easy Budgeting!

28 Page Workbook with 87 ideas to reduce expenses, 14 beautiful worksheets, 7 bonus lessons, and full, easy-to-follow instructions.



Get Your FREE Copy Today!


The Modern Mom’s EPIC Guide to Easy Budgeting! 28 Page Workbook with 87 ideas to reduce expenses, 14 beautiful worksheets, 7 bonus lessons, and full, easy-to-follow instructions. Includes top advice from a professional accountant and university instructor.

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  • Reply
    June 8, 2017 at 12:13 am

    Budgeting is definitely something that comes in handy with children. Because you want to supply their needs, but also manage their and your wants. So, figuring your finances around those is definitely key.

  • Reply
    June 9, 2017 at 2:10 pm

    I can’t wait for the ebook to come in ny inbox! My husband will be thrilled too. He always tries to get me to budget but I tell him it’s so hard to do as a mom (unlike the budgets we stuck to when it was just us)! Thanks for the tips! I already love this blog (especially the printables)!

    • Reply
      June 9, 2017 at 4:58 pm

      Great! I’m so excited for you to make big changes! Glad you like the printables. There will be more soon.

  • Reply
    molli taylor
    June 9, 2017 at 2:30 pm

    thank you, i am definitely checking this out.

    • Reply
      June 9, 2017 at 4:57 pm


  • Reply
    michelle Jacobsen
    June 9, 2017 at 2:35 pm

    I need to get better at this, I am all about impulse shopping.

  • Reply
    June 9, 2017 at 4:06 pm

    great article

    • Reply
      June 9, 2017 at 4:59 pm

      Thanks! So glad you visited.

  • Reply
    June 9, 2017 at 6:35 pm

    Useful info. Thanks!

  • Reply
    Ellie Wright
    June 9, 2017 at 8:20 pm

    We are pretty good at sticking to our budget. Our biggest problem is spending too much eating out.

  • Reply
    June 9, 2017 at 9:09 pm

    I found budgeting for groceries only a few days at a time until we saw how much we’d eat and not overspend on food really helped our budget.

  • Reply
    shannon fowler
    June 9, 2017 at 9:21 pm

    Good article. I don’t do well with this, but luckily both my mom and my fiancé have helped me figure out a better way to balance money

  • Reply
    Dana Matthews
    June 9, 2017 at 10:26 pm

    I believe every word of this. It’s torment to be worried about money and money issues. We can’t beat ourselves up continuously but instead we just need to learn from our mistakes.

  • Reply
    Kim O
    June 9, 2017 at 11:49 pm

    i got money problems. good article

  • Reply
    carol clark
    June 10, 2017 at 12:30 am

    i def want to know more and this im in for any tips id love to hear about it

  • Reply
    Bryan Vice
    June 10, 2017 at 2:24 am

    I am still in debt from my credit card from 10 years ago its ridiculous

  • Reply
    Regina Elliott
    June 10, 2017 at 1:33 pm

    I guess I’m lucky in that I don’t impulse buy I like to research and get different prices

  • Reply
    Maria Lorena Navarro
    June 10, 2017 at 3:05 pm

    great article!

  • Reply
    Anita L
    June 11, 2017 at 7:10 am

    I’ve always done quite well with budgeting, but getting my hubby on the right path is not always so easy!

  • Reply
    Christy Caldwell
    June 11, 2017 at 7:25 am

    Need to take a look at this. Sticking to a budget can be challenging.

  • Reply
    Lupe Torres
    June 11, 2017 at 6:51 pm

    I’m guilty of this myself but I’m on the right road to being debt free!

  • Reply
    June 11, 2017 at 8:52 pm

    Budgeting is one of those things that can take some work to start but definitely pays off in the end.

  • Reply
    June 11, 2017 at 9:50 pm

    This was a great article! Thank you so much for informing me!

  • Reply
    Danielle Lindquist
    June 12, 2017 at 1:43 am

    This is a great article, credit cards seem like the major problem, they are so easy to use!

  • Reply
    Dawn C
    June 12, 2017 at 1:58 am

    I never spend what I dont have. No debt no worries!

  • Reply
    Anita Mitchell
    June 12, 2017 at 2:03 am

    This will be great to check out!

  • Reply
    June 12, 2017 at 3:21 am

    Ready to get myself out of debt. Budgeting advice is always a blessing!

  • Reply
    Mya Murphy
    June 12, 2017 at 3:26 am

    I hate shopping and spending.. no money issues here.

  • Reply
    Amie H
    June 12, 2017 at 4:23 am

    sticjing to a budget is really hard

  • Reply
    Lisa Brown
    June 12, 2017 at 9:05 am

    this I needed help on, I always worry about money.

  • Reply
    June 12, 2017 at 9:07 am

    My budget: If it’s not food or (needed) clothing; I can’t afford it.

  • Reply
    Jackie p
    June 12, 2017 at 9:42 pm

    I Def cld use this info. Budgeting is not my strongest suit!

  • Reply
    Andrew L
    June 12, 2017 at 11:37 pm

    Great article

  • Reply
    Karen (Ringwald) Skinner
    June 12, 2017 at 11:39 pm

    I am excited to make these changes! Thank you

  • Reply
    David M
    June 13, 2017 at 12:30 am

    Great article, I’m a heavy budget enthusiast myself. Well you have to be with school holidays, kids and limited finances. But even so I’m sure there is more than a few tricks I’m not aware of, I’ll be sure to read your e-book; thank you for helping budgeting parents! 🙂

  • Reply
    Rebecca Fauteux
    June 13, 2017 at 3:02 am

    It’s better to live simple, don’t spend what ya don’t have!

  • Reply
    Gena Hudson
    June 13, 2017 at 4:04 am

    This is where I need help!

  • Reply
    June 13, 2017 at 5:34 am

    Very true! I try to save 80% of what I make and use the rest for spending

  • Reply
    Reem Ahmed
    June 13, 2017 at 5:46 am

    I like this, helped a lot!

  • Reply
    Rosalee Jacklin
    June 13, 2017 at 6:53 am

    I once to had this issue! We lived pay check to pay check for 2 years. It was thee most stressful years I have ever lived through. Not knowing when our power would be shut off or water etc. How we would have enough for food! Finally I decided to sit down, and figure out all our bills and how much we spend on food. And I told my girlfriend we cannot buy anything we do not need. Just the basics. Any extra money went in the bank into my savings account! After 1 month of doing this we had save $348. We continued for the whole year not touching that money, pretending that we were broke. Do you know I saved up $4,372! I was amazed. And we still do this 6 years later. This money comes in handy for so many things, if the house needs a repair, washer or dryer break, need the car fixed or the kids need something for school etc.

  • Reply
    Michelle Bartley
    June 13, 2017 at 7:05 am

    I agree! Credit card debt is so bad!

  • Reply
    June 13, 2017 at 9:13 pm

    I agree. Credit card debt is the worst. I got in over my head at one point. Now I’m debt free and credit card free.

  • Reply
    June 13, 2017 at 9:17 pm

    My husband and I are now retired. We have one child in college and one planning a wedding. Budgeting is a big thing for us.

  • Reply
    June 14, 2017 at 2:50 am

    I need to learn to budget. I do buy unnecessary things that I don’t need. This is a great article with great tips. Thank you!

  • Reply
    June 14, 2017 at 1:36 pm

    I had a huge fear of money until I realized it’s all about staying within a budget and saving for the unexpected.

  • Reply
    June 14, 2017 at 2:01 pm

    As my grandfather always said, you can’t have a champagne lifestyle on a beer budget.

  • Reply
    Manuel P.
    June 15, 2017 at 11:10 pm

    I have my bad times too. Those days it helps to have someone to talk to.

  • Reply
    Salman Saheb
    June 17, 2017 at 7:51 am

    These days, at least if someone talk about how to save / earn money then its give peace to my heart. Good Blog. Keep it up

  • Reply
    Linda Szymoniak
    June 22, 2017 at 7:06 am

    I try not to worry about finances, but lately it’s been impossible not to. My mother-in-law is having to go into an assisted living facility and she doesn’t have enough income to cover the monthly costs. Her house has a mortgage and is in really bad shape (she’s a hoarder, to the point where the town got a court order for her to clean it up). I think we finally found a solution without us having to pay the difference (not that either sister-in-law, who are her actual daughters, have done much of anything to help). Let’s just say that the situation has my husband on blood pressure meds, which he’s never needed. Once we’re over this stress, I think I can just relax a bit and not worry about money as much as we have been recently.

    • Reply
      June 25, 2017 at 1:17 am

      I hope things get better for you soon.

  • Reply
    June 22, 2017 at 7:13 am

    It’s very important to stay within one’s means, that’s for sure.

  • Reply
    June 22, 2017 at 10:56 am

    thanks for the tips!

  • Reply
    Janice Dean
    June 22, 2017 at 11:41 am

    Great idea! Thanks for sharing and good luck all!

  • Reply
    Germaine Harrison
    June 22, 2017 at 1:40 pm

    Great advice. Thank you.

  • Reply
    June 22, 2017 at 2:03 pm

    I cannot emphasize the importance of budgeting enough! If people really worked out budgets, I think there would be less debt. Sure we all want things and it’s easy to just pile it on the credit card – but you have to be mindful of what you can afford and when, or you can get waaaay in over your head. Great post!

  • Reply
    June 22, 2017 at 3:24 pm

    Waiting for my free book… need all the help I can get…. my husband is very ill right now and he was the main money person in the house did all the bills and money managing.. it has begun to be on me now …..

    • Reply
      June 25, 2017 at 1:09 am

      It can be tough to take over the money management job. I plan to give some tips on that in the next few weeks.

  • Reply
    Sandra Watts
    June 22, 2017 at 4:34 pm

    Most of my debt is medical unfortunately.

  • Reply
    June 22, 2017 at 5:41 pm

    I really need to learn to start budgeting! It would help me save money and headache!

  • Reply
    Tammy Catterton
    June 22, 2017 at 5:51 pm

    I hope to get out of debt in the near future we are working on it . I hope to save more by staying in budget plus using coupons smart shopping more here

  • Reply
    Karen D
    June 22, 2017 at 8:07 pm

    This is good advice. I really need to write a budget.

  • Reply
    June 22, 2017 at 8:15 pm

    A doable budget is what we can all use at some point. So great this is available from you.

  • Reply
    jenn stapp
    June 22, 2017 at 9:23 pm

    We… (and I mean *I*) have been meaning to sit down and write out a budget plan. I think we can really save up some money if we’d just follow one.

  • Reply
    Jen Ha
    June 22, 2017 at 11:14 pm

    I totally save money thanks for the trick !

  • Reply
    June 23, 2017 at 1:40 am

    I never knew what budgeting to do for your future. Thanks

  • Reply
    June 23, 2017 at 6:56 am

    Good & Correct Article. This is Really manual for actions.

  • Reply
    Kathy bergman
    June 23, 2017 at 3:10 pm

    Thanks, I definitely need help budgeting

  • Reply
    Lisa Bourlier
    June 23, 2017 at 3:15 pm

    My budget could use some help!

  • Reply
    Shelly VanDyne
    June 23, 2017 at 9:15 pm

    So helpful definitely need to do this.

  • Reply
    Kelly Hanley
    June 23, 2017 at 10:58 pm

    so interesting! Love it!

  • Reply
    Jennifer Perales
    June 24, 2017 at 12:25 am

    Thanks for the tips.

  • Reply
    Shakeia Rieux
    June 24, 2017 at 2:35 pm

    This is something I struggle with, and I definitely need to work on it.

  • Reply
    June 24, 2017 at 2:40 pm

    I know I could use some help. this is a great article.

  • Reply
    mary loveland
    June 24, 2017 at 7:02 pm

    I wish I was completely out of debt it would be a load off

    • Reply
      June 25, 2017 at 12:58 am

      I will have some resources on the blog in the next few weeks that can help you work on getting out of debt.

  • Reply
    Tiffany Dayton
    June 24, 2017 at 11:22 pm

    It is very important to have a budget and stick to it. Also when payiny your mortgage and other bills . Pay more than than asked for.

  • Reply
    Cindy Schierl
    June 24, 2017 at 11:52 pm

    credit card debt is awful – we have had an unexpected loss of work due to illness – so hard to get caught up once you fall behind

    • Reply
      June 25, 2017 at 12:57 am

      Yes, it’s definitely difficult to get back on track. Hope you can work toward it in small steps.

  • Reply
    Brittany S
    June 24, 2017 at 11:57 pm

    It’s all about staying on a budget

  • Reply
    Anita Jude
    June 25, 2017 at 1:18 am

    yes I need to make a budget and stick to it

  • Reply
    Cindy Brooks
    June 25, 2017 at 2:08 am

    Budgeting is HARD! We are custodial grandparents and two years ago enrolled our grandson in private school. It’s been especially difficult financially because we live in a very rural area. It was 85 miles one way to school, so it wasn’t feasible to commute. We ended up purchasing a second home in the city where the school is located and moved here for the six years he would be in school. (Yes, after much research we determined it was cheaper to buy than rent and the local market is quickly growing!) We kept our previous home because it’s the home we custom built for ourselves when we retired and we plan to go back when he graduates. It’s become essential for us to budget and save where we can, but it was the best decision we could have made and are happy we did it.

  • Reply
    Susan Smith
    June 25, 2017 at 2:50 am

    Budgeting is very important. I pay myself first so that I always have money in my emergency fund because and emergency will come up at some time. I also pay off my credit cards every month.

  • Reply
    Richard Hicks
    June 25, 2017 at 10:17 am

    This post hit the head on the nail. Have a budget and stick to it

  • Reply
    Cynthia C
    June 25, 2017 at 10:41 am

    It takes a lot of discipline. Most people don’t understand the difference between wants and needs.

  • Reply
    Nadhem Souli
    June 25, 2017 at 3:58 pm

    Awesome !

  • Reply
    Sheila Torres
    June 26, 2017 at 12:44 am

    Great article, I think I waste my money in things that I really don’t need

  • Reply
    Brittany Victery
    June 26, 2017 at 1:02 am

    Oh my gosh! There is so much to look through on here! This is great!

  • Reply
    kelly light
    June 26, 2017 at 10:16 am

    no finance problems here, bills get paid, no money left…….lol

  • Reply
    Shekhynah Curtis
    June 26, 2017 at 11:22 am

    What is the best way you know to track outcome and income?

  • Reply
    Kari Tepovich
    June 26, 2017 at 1:45 pm

    We both had credit cards when we were younger and now we have chosen not to have any. If we want something, we save up for it. It helps that we are thrity. We still have a ta return check that needs to be cashed.

  • Reply
    Judy Schechter
    June 26, 2017 at 4:02 pm

    I’m terrible with money, I’ve never been able to save it! I just downloaded your guide and I’m sure it will be very helpful, thank you!

  • Reply
    Casey Garvey
    June 26, 2017 at 5:23 pm

    Thanks for the great article

  • Reply
    Lauryn R
    June 26, 2017 at 6:39 pm

    This is a great post, thanks for sharing! I have always been really good at budgeting, but unfortunately I am now a stay at home mom and do not have a say in this. My husband has definitely always been terrible at this, I need to get him this book! Thanks for sharing.

  • Reply
    Carrie Conley
    June 26, 2017 at 11:05 pm

    I don’t worry about it anymore, I just do what I can,

  • Reply
    Celeste Herrin
    June 27, 2017 at 1:17 am

    Thank you! I ordered THE MODERN MOM’S EPIC GUIDE TO EASY BUDGETING! Can’t wait to get it! Great article. So many struggle to manage money.

  • Reply
    June 27, 2017 at 2:43 am

    I have no credit cards and I don’t want any. I live on Worker’s Comp that gets harder and harder to live on.

  • Reply
    Christina A.
    June 27, 2017 at 3:42 am

    Budgeting really is so important–it helps us save a lot each year! Meal planning saves me a ton on groceries too!

  • Reply
    Ashley Scott
    June 27, 2017 at 4:04 am

    We don’t buy anything we don’t have the money to buy. If we want something, if it is over $100, it has to be discussed. We always stew over big purchases for at least a week. There is always something else you can spend your money on.

  • Reply
    kathy Persons
    June 27, 2017 at 10:29 am

    My husband is a great money mmanagement guy keeps me in check

  • Reply
    Rhonda Fuller
    June 27, 2017 at 4:48 pm

    Thank you for the tips. I do need to start budgeting my money better.

  • Reply
    denise low
    June 27, 2017 at 11:01 pm

    Thank you for sharing. I am always in it for saving money.

  • Reply
    Sondra Uselton
    June 28, 2017 at 1:14 am

    Great information. Thank you

  • Reply
    Nan Bixby
    June 28, 2017 at 4:12 am

    My husband has just retired so budgeting will be a necessity for us.

  • Reply
    Betsy Barnes
    June 28, 2017 at 4:21 pm

    Budgeting has certainly been a helpful tool for our finances. It really has taught us to save better and also to understand our needs from our wants.

  • Reply
    Virginia H
    June 28, 2017 at 8:17 pm

    I have never did a budget so I am one of those living paycheck to paycheck. I signed up to try it out. Thank you for the info

  • Reply
    Dynal Roberson
    June 29, 2017 at 1:03 am

    I make it a point to live within my means. We have one credit card for emergencies because they happen, but we try to pay it off as soon as possible.

  • Reply
    Alyce Poalillo
    June 29, 2017 at 6:46 pm

    Budgeting can be challenging when you are on a fixed income in a variable expense world.

  • Reply
    Debbie Penney
    June 29, 2017 at 6:58 pm

    There was a lot of great information here! Thank you

  • Reply
    Emery Merriman
    June 29, 2017 at 7:00 pm

    If it doesn’t make money, it doesn’t make cents.

  • Reply
    Amanda R
    June 29, 2017 at 8:29 pm

    Very useful tips!

  • Reply
    Holly Thomas
    June 29, 2017 at 11:32 pm

    I started budgeting years ago, I save up for things I need and pay with cash.

  • Reply
    June 30, 2017 at 2:17 am

    I live on a tight budget and rarely divert from it. This provides emergency money when I need it.

  • Reply
    June 30, 2017 at 4:22 am

    Thanks for the great advice!

  • Reply
    Justin Narvaez
    June 30, 2017 at 6:26 am

    Thanks for the budgeting advice!

  • Reply
    June 30, 2017 at 8:02 am

    We don’t strictly follow a budget, but as an older couple we already have almost everything we need. We only buy what we do need and can afford. We usually use our credits cards for earning points. Scott pays off credit card balances every month.

  • Reply
    June 30, 2017 at 1:23 pm

    Seems like I am always on a budget, always use coupons, and I never use credit cards, If I cant pay cash I dont need it.

  • Reply
    donna porter
    June 30, 2017 at 11:59 pm

    I need to get better at budgeting. This is difficult for me because I love shopping!

  • Reply
    Carolyn Daley
    July 1, 2017 at 3:37 am

    It is good to budget so you do not have to stress as much later on from overspending.

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