09 : Our Exact Family Budget Breakdown - 6 Steps to Tell Your Money Where to Go
09 : Our Exact Family Budget Breakdown - 6 Steps to Tell Your Money Where to Go  
Podcast: The Daily Penny
Published On: Mon Feb 02 2026
Description: Erik and I are pulling back the curtain on exactly how we manage our family budget - with screenshots! We use a zero-based budgeting system through the EveryDollar app, and today I'm walking you through all 6 steps, from giving and savings to sinking funds and spending categories.But first, I'm sharing a very personal story about the budget panic I experienced just weeks after having Vance - and how sitting down with the actual numbers turned my fear into peace.In this episode we cover:My postpartum budget panic and what snapped me out of itWhy we budget giving and savings FIRSTThe 6 steps of our zero-based budgeting systemHow the EveryDollar app works and why we love it ($79.99/year)Sinking funds - most people ignore this part (big mistake)The true cost of car payments (and what that $532 / month *could become)Why this system brings peace, not restrictionLINKS:EveryDollar App (free first month + $10 off): CLICK HEREBLOG POST with screenshots of our exact budget categories: karleekuykendall.comMY WORKOUT SUBSCRIPTION: HEREOne podcast episode / month will be posted on Youtube: HERE