Summer with kids can be one of the most expensive times of the year. For some reason when they're all home and they're all eating meals at home all the time, it can end up being even harder to stay on budget. In today's first summer episode of the Debt Free Mom podcast, we'll talk through how to manage our finances and our time with kids at home for the summer. First, we'll cover ways to spend money wisely during the summer to boost our enjoyment (and our sanity!). After that, I share my tips on...
Jun 26, 2023•28 min
This is part three of my money story spanning over 11 and a half years of personal finances in our family of growing of learning from our mistakes of finding our way through the advice and rules of other people to what worked for us. In this final installment of our money story, I'm going from March of 2019, which is when Debt Free Mom began up to today in the spring of 2022. Part 1 of my story is available here: https://www.debtfreemom.co/podcasts/the-debt-free-mom-podcast/episodes/2147929723 P...
May 15, 2023•31 min
This is a special bonus episode of the Debt Free Mom Podcast. This episode is from a recording of an Instagram live sharing with my audience why a monthly budget might fall apart even when it looks right on paper. I also share why a pay period budget might be better instead. So the audio might sound a little different than what you’re used to here on the DFM podcast, and you’ll hear me answer a few questions from audience members. So just know that this was originally a live video. You can join ...
May 12, 2023•41 min
How do you pivot your relationship with money when you had one singular goal, you finally accomplished it, and you realize you haven't at all prepared for what life on the other side of that goal might look like? Today's episode is part two of My Money Story, right after we became debt free. What did we do next? Advertising Inquiries: https://redcircle.com/brands Privacy & Opt-Out: https://redcircle.com/privacy...
May 08, 2023•26 min
I started Debt Free Mom in March of 2019. We were debt-free, we had three kids, and we were about to buy our first house. But we had also been married for over seven years, and the way our finances looked over those seven years was nothing like it looked when I started Debt Free Mom. So I thought to close out season one of the Debt Free Mom podcast, I would take three episodes to break down our story, Kyle and my story of money management and learning what we needed to do with our money no matte...
May 01, 2023•26 min
How do we sort through our money goals? When we have big deadlines, like a baby due date, a car that won't fit the whole family, and then just a general desire to be investing more today? Jenny and I talked through a game plan for financially preparing for a new baby and then which goal is to focus on after baby arrives. Do we do the goals that just feel good or should we run the numbers first? The Debt Free Mom Custom Budget provides you with a one-time service for building your pay period budg...
Apr 24, 2023•59 min
Lacey is a full-time accountant who has been married for nine years and they have floated in and out of being debt free, most recently a move in 2021, putting them back into debt. She lives and breathes numbers and spreadsheets professionally, but didn't find a budgeting system that stuck until trying the Debt Free Mom template. Lacey comes on today to talk about sinking funds, saving, setting aside money in advance and organizing bank accounts. If you'd like to be a guest on the show to talk wi...
Apr 17, 2023•42 min
Anytime I do an audience poll about why budgeting is so hard, the number one word that comes up is "overwhelming." It's overwhelming to try and start. It's overwhelming to be in the middle of a budget and have things change. It's overwhelming to choose what goal you should be focusing on. Today on the podcast with Anna, we talk about how to address this feeling of overwhelm so that she can simplify the process and simplify what it takes to track and follow the plan. Click here to join Pay Period...
Apr 10, 2023•45 min
Some of us have always been in the role of managing our family's finances, but other times a transition in job or relationship or family structure can land you in this role for the first time in your adult life. Cortney comes on the podcast today to talk about becoming the family's budgeter after being married for 13 years. I'm excited for you to hear her story today as she shares all the things she learned about her family's money and managing the family budget. To start budgeting by pay period...
Apr 03, 2023•43 min
All this budgeting talk sounds great, but what if you're currently spending more than you make? You might be counting yourself out of this budgeting conversation because you know that each month your credit card debt is growing or your savings is shrinking, or both. This is for all the people who are consistently spending more than they make - you are not the only one! This might not be something people are willing to say online or share with those closest to them, but I want you to know that yo...
Mar 30, 2023•14 min
Congratulations, you got a raise! Now, what are you going to do with it? Without a plan, these hard-earned dollars can disappear quickly making it feel like you never got a raise in the first place. Hayleah is thinking hard about this question as she's preparing her family's budget for a large raise. We talk about how to prevent lifestyle inflation, enjoy the extra room in the budget while still tackling goals, and how worriers can make the best budgeters. A custom budget will give you the confi...
Mar 27, 2023•45 min
How long in advance do you plan out your money? When you sit down to make a budget, are you still making a once a month budget? In this video, I'll share about not only budgeting by pay period, but budgeting by pay period farther in advance than 30 days. This is one of the keys to avoiding budget failure and creating meaningful progress toward your money goals! If you're tired of the lack of progress in your home finances and feel like you're stuck, you might just need an outside perspective on ...
Mar 23, 2023•8 min
Chasing after your next money goal can be so exciting and energizing, especially when you're starting to see progress. But when things start to get a little difficult, it can derail all the momentum you've built. Kate is early in her journey of pay period budgeting, but she started to hit a few roadblocks on the way to her goals. We talk about how to pace yourself when the finish line seems far away, avoiding burnout, and staying motivated when you have experienced setbacks. Get the Debt Free Mo...
Mar 20, 2023•43 min
Oftentimes when I talk about budgeting by pay period, people count themselves out from budgeting by pay period simply because their household has more than one income stream. I'm here to tell you that it's even more important to map your finances out by pay period when you have multiple income streams. In this mini episode, I'll share the reasons it's important to budget by pay period and some practical tips on how you can get started. Visit debtfreemom.co/templ ate to download your free Pay Per...
Mar 16, 2023•12 min
Do you have an income that's variable and find yourself struggling to make a budget when you don't know how much your check will be? Stacie is a nurse with wildly varying paychecks. She wants to set up her budget and bank accounts for success, even when her pay fluctuates. If you also have unpredictable income, I'm glad you're here for my conversation with Stacie. Get your money questions answered by joining Carly as a guest on the show! Visit dfmpodcast.com to fill out the guest application. Ad...
Mar 13, 2023•38 min
Have you ever thought about how your pay schedule might affect your budget? Today on the very first mini episode of the Debt Free Mom podcast, we're gonna dive into the four primary pay schedules, how they interact with a budget, and the disadvantages and advantages of each schedule. Being aware of how our pay schedule impacts our budget and our finances and our cash flow has a huge part in how confident we feel in both looking at our finances and planning ahead. Advertising Inquiries: https://r...
Mar 09, 2023•10 min
There's something that happens when we're in the middle of working towards a big goal. We get so focused on what's right in front of us that we sometimes forget we actually have time to continue working on bigger goals later. As I talk with Kate today, she's focused on using her husband's three yearly bonuses to become debt-free and dream up what the future could look like. when they're able to use these bonuses as true extra, and I know you will get a lot from this conversation. Get your Custom...
Mar 06, 2023•42 min
When your income is seasonal and hard to plan for, building a budget might not seem possible. That's where Sydney was before starting to use the Debt Free Mom pay period budget template for her personal finances. Sydney admits that she's not a numbers person, but she's looking to grow in her budgeting skills while using those same money principles for her small business. We talk about the temptations of impulse, shopping, finding freedom in a budget instead of restriction, and creating a sustain...
Feb 27, 2023•57 min
When your savings takes a hit, how do you bounce back? Today, I'm talking with Jess about how to build back her emergency fund after several big expenses set them back last year. We'll get into the details about navigating saving among all your other good goals, like paying down a van loan, investing for retirement, and still having fun with the family. How can we prioritize our money goals when the right choice isn't obvious? We'll talk about all of that with Jess on this episode. Join Pay Peri...
Feb 20, 2023•47 min
Managing your personal finances is a challenge. We all know that, but now try managing small business finances, knowing that what you do in one will affect the other. My conversation today is with Danielle Hardesty, a photographer who is managing both small business and personal finances. We dive into ways to set up business finances so that you as the business owner, make sure you're covering your expenses without forgetting to pay yourself. Start Budgeting by pay period today with the Debt Fre...
Feb 13, 2023•36 min
How do you stay on track with your budget when unexpected expenses pop up? Today's episode covers a lot of practical ways to prepare for those unplanned charges. If you find yourself stressed out or discouraged when the unexpected happens, I know you'll take away something helpful from my conversation with Kellianne. Become a member of Pay Period Budget Academy at debtfreemom.co/pba . Apply to be a guest on the podcast at dfmpodcast.com . Advertising Inquiries: https://redcircle.com/brands Priva...
Feb 06, 2023•49 min
Could your budget survive giving up your primary income? That's the question that my guest today desperately wanted to answer. Debbie was a registered nurse making six figures, but wanted to switch her focus to taking care of her family at home. Without ever having used a spreadsheet before she dove headfirst into the debt-free mom pay period budget. You'll learn from her experience of untangling the complicated emotions surrounding money and learn that it's never too late to take control of you...
Feb 06, 2023•44 min
Today I’m talking with Kalei as she explores what it will take to adjust the family’s finances around an unpaid maternity leave that’s about 3 months away. Kalei is a military spouse and mom of 1, soon to be 2. Her husband’s role with the Army recently moved their family to Alaska, and they’ve been adjusting to life away from extended family as well as a much higher cost of living than they were used to. Kalei completed a custom budget with me not too long ago, so part of our time together will ...
Feb 06, 2023•47 min
The Debt Free Mom Podcast launches with the first three episodes on Monday, February 6th, 2023. Subscribe today on your favorite podcast platform to get the episodes as soon as they release. If you'd like to apply to be a guest on the show, visit dfmpodcast.com . Advertising Inquiries: https://redcircle.com/brands Privacy & Opt-Out: https://redcircle.com/privacy...
Jan 25, 2023•2 min
