In this episode of the YOU + TFCU Podcast, Amanda and Terah are joined by TFCU Financial Educator Kara Robinson to talk about one of the most important — and often misunderstood — personal finance tools: a budget.

Kara shares how budgeting isn’t about restriction, but about giving your money direction. From tracking income and expenses to finding a budgeting style that actually sticks, she walks through practical, real-life strategies anyone can use. The conversation covers common challenges like impulse spending, dining out, and staying consistent, along with creative tips like envelope budgeting, “take a lap” shopping pauses, and tying your budget to meaningful goals.

Whether you’re brand new to budgeting or trying to get back on track, this episode offers encouraging, judgment-free guidance to help you feel more confident and in control of your finances.