The Debt Free Mom Podcast

Resources mentioned in this episode:Gifts like the little green machine, leather conditioner, etc.$7 Car Detailing GuideAdvertising Inquiries: https://redcircle.com/brandsPrivacy & Opt-Out: https://redcircle.com/privacy

Click Here to find these gifts that will help you save money in the kitchen!{Amazon List} - most items mentioned in the episode are here!{Walmart List} - Air Fryer, Toaster, Griddles, Containers on the Kitchen Listwww.instagram.com/debtfree.mom[post contains affiliate links]Advertising Inquiries: https://redcircle.com/brandsPrivacy & Opt-Out: https://redcircle.com/privacy

We usually know what goals we want to accomplish in the future, but we also need to look back on what we have already done! Today I fly through a decade of our personal finance progress in less than 30 minutes. "We overestimate what we can accomplish in one year and underestimate what we can accomplish in a decade." -Bill GatesFor a more detailed story of our money including details and numbers, check out Episodes 19, 20, and 22 of the podcast!Advertising Inquiries: https://redcircle.com/brandsPrivacy & Opt-Out: https://redcircle.com/privacy

Join us in this episode of the Debt Free Mom Podcast as Stacie returns to share her journey of switching from monthly to bi-weekly budgeting. We dive into the challenges and benefits of aligning budget schedules with different pay periods, managing increased incomes, and strategies for forecasting expenses accurately. She also talks with me about practical tips for utilizing savings accounts, handling car insurance payments, and setting up effective budgeting templates. Get insights on the psychological impact of budgeting experiments, involving partners in financial planning, and balancing important financial goals while enjoying life's moments. Whether you're dealing with variable incomes, credit card dynamics, or just starting your budgeting journey, this conversation with Stacie offers some valuable advice.You can listen to my previous conversation with Stacie all the way back in episode 9 - Preparing Your Budget for Variable Income with Stacie00:38 Switching to a New Budget Tool00:55 The Learning Curve of Budgeting by Pay Period01:43 Benefits of Budgeting by Pay Period01:50 Managing Multiple Income Streams02:31 Adjusting to Bi-Weekly Budgeting07:29 Handling Variable Expenses12:03 Using Checking Accounts as Waiting Rooms16:08 Collaborative Budgeting with Your Partner20:10 Understanding the Learning Curve20:44 Transitioning to a New Budget Template21:14 Long-Term Financial Planning21:58 Tracking and Adjusting Expenses23:05 Benefits of the Budget Template23:56 Planning for Future Expenses24:57 Achieving Financial Goals32:57 Managing Credit Card Payments37:56 Conclusion and Final ThoughtsGet started with pay period budgeting today for just $9! The Debt Free Mom Mini Course + Template will help you take your first steps toward managing your home finances with confidence. Get it today at debtfreemom.co/templateDo you have a money question that you’d like to talk about with Carly? Do you have a story of navigating a tricky financial situation? We’d love to have you on the Debt Free Mom Podcast! Fill out the guest application at dfmpodcast.com. Advertising Inquiries: https://redcircle.com/brandsPrivacy & Opt-Out: https://redcircle.com/privacy

Are there rules to budgeting? And if there are, do you have to follow them? In this first episode back after my summer break, I have a wonderful conversation with Jessica who shares her personal journey managing finances for her rural Michigan family of five. Jessica dives into the pros and cons she has found in using budgeting tools like EveryDollar and YNAB and why budgeting by pay period has led to more rational spending behaviors without being overwhelmed. We also dive into the importance of teaching kids about financial responsibility and incorporating budgeting as a seamless part of daily life. Get started with pay period budgeting today for just $9! The Debt Free Mom Mini Course + Template will help you take your first steps toward managing your home finances with confidence. Get it today at debtfreemom.co/templateDo you have a money question that you’d like to talk about with Carly? Do you have a story of navigating a tricky financial situation? We’d love to have you on the Debt Free Mom Podcast! Fill out the guest application at dfmpodcast.com.Advertising Inquiries: https://redcircle.com/brandsPrivacy & Opt-Out: https://redcircle.com/privacy

We're going to be taking a break from putting out new episodes for a little bit as we slow down on a few things and enjoy the rest of our family's summer break. You might see a replay of some of my favorite episodes here and there, but we're hitting pause with new episodes until the fall. If you have ideas for what you would like to hear from this show in our next season, send me an email at carly@debtfreemom.co with the subject line "podcast" and let me know what you think. Enjoy your summer, and we'll be back in the fall with more episodes of the Debt Free Mom podcast!Advertising Inquiries: https://redcircle.com/brandsPrivacy & Opt-Out: https://redcircle.com/privacy

In today's episode, Kyle and I share some of the highlights of our annual summer family vacation! We recently returned from a 10 day trip driving from Central Illinois to the beaches of Outer Banks, North Carolina. Our conversation today takes an inside look at our semi-spontaneous detour to Washington D.C. on our way home. We share some tips on planning summer trips with kids, visiting our nation's capital, and leaving room in our budget for fun! For more details on our travel planning, check out the companion blog post at debtfreemom.co.Managing your money shouldn’t be a lonely experience! The Care Creates Community from Debt Free Mom is a safe, private membership community created specifically for women who manage their home’s finances. Together, we find realistic ways to make the most of our home finances & stick with our plans! Get the support you need to reach your financial goals by joining today at www.carecreatescommunity.com.Do you have a money question that you’d like to talk about with Carly? Do you have a story of navigating a tricky financial situation? We’d love to have you on the Debt Free Mom Podcast! Fill out the guest application at dfmpodcast.com. Advertising Inquiries: https://redcircle.com/brandsPrivacy & Opt-Out: https://redcircle.com/privacy

Today's episode is all about something I have never done before, moving across the world for six months and doing it all debt free! Aneisha is a freelance bookkeeper who has always described herself as a saver. She started using the Debt Free Mom Pay Period Budget Template about two years ago and used this tool to help her and her husband spend half of 2023 in Southeast Asia. We chat about how she planned their trip, how they created and stuck to a budget while traveling, and what else is possible when you have a clear & accurate picture of your finances. Get started with pay period budgeting today for just $9! The Debt Free Mom Mini Course + Template will help you take your first steps toward managing your home finances with confidence. Get it today at debtfreemom.co/templateDo you have a money question that you’d like to talk about with Carly? Do you have a story of navigating a tricky financial situation? We’d love to have you on the Debt Free Mom Podcast! Fill out the guest application at dfmpodcast.com. Advertising Inquiries: https://redcircle.com/brandsPrivacy & Opt-Out: https://redcircle.com/privacy

If you've followed Debt Free Mom on Instagram, I've been sharing a lot about my recent side hustles: cleaning houses and detailing cars. There's been a lot of great conversation around that from people interested in everything from "why did you start doing that?" and "how do you get started?" and "what do I need to do in order to start my own side hustle?"In today's episode, Kyle interviews me to get all the details about taking a side hustle from an idea to actually making money from it. I hope it encourages you to get out there and make a little extra money from something you're already great at.Get started with pay period budgeting today for just $9! The Debt Free Mom Mini Course + Template will help you take your first steps toward managing your home finances with confidence. Get it today at debtfreemom.co/templateDo you have a money question that you’d like to talk about with Carly? Do you have a story of navigating a tricky financial situation? We’d love to have you on the Debt Free Mom Podcast! Fill out the guest application at dfmpodcast.com. Advertising Inquiries: https://redcircle.com/brandsPrivacy & Opt-Out: https://redcircle.com/privacy

For our first episode of June, we're kicking off the summer with a replay of one of our favorite episodes of last year. This episode is all about enjoying simple summers with kids, whether you're spending time at home or time on the road. In my efforts to make lasting memories without seeing all of my money disappear by the fourth of July, I have found that simple is best. I'm excited to share what works for our family with you!Managing your money shouldn’t be a lonely experience! The Care Creates Community from Debt Free Mom is a safe, private membership community created specifically for women who manage their home’s finances. Together, we find realistic ways to make the most of our home finances & stick with our plans! Get the support you need to reach your financial goals by joining today at www.carecreatescommunity.com.Do you have a money question that you’d like to talk about with Carly? Do you have a story of navigating a tricky financial situation? We’d love to have you on the Debt Free Mom Podcast! Fill out the guest application at dfmpodcast.com. Advertising Inquiries: https://redcircle.com/brandsPrivacy & Opt-Out: https://redcircle.com/privacy

If you've ever wondered how long it would take to see results if you switched from budgeting by month to budgeting by pay period, today's episode is for you. Kristina is a mom of four, a pastor's wife, a nurse, and a runner. And today she's here to share her story of switching to budgeting by pay period in January, and the amount of transformation she's seen, not only in her finances, but also in her mindset about her money in just three short months.Kristina shares her struggles with traditional monthly budgeting, the financial and mental stress she experienced, and how pay period budgeting has revolutionized her family's finances and mindset in just three months. From overcoming challenges with inconsistent income to establishing emergency funds and tackling high-interest debt, Kristina's story shows the power of accurate, realistic budgeting. We talk about the frequent fresh starts provided by pay period budgeting and how it relieves the stress of managing our home finances. You can get started with pay period budgeting today just like Kristina for just $9! The Debt Free Mom Mini Course + Template will help you take your first steps toward managing your home finances with confidence. Get it today at debtfreemom.co/templateDo you have a money question that you’d like to talk about with Carly? Do you have a story of navigating a tricky financial situation? We’d love to have you on the Debt Free Mom Podcast! Fill out the guest application at dfmpodcast.com. 01:54 Discovering Pay Period Budgeting: A Game Changer03:17 The Practicalities of Pay Period Budgeting06:24 Overcoming Debt and Financial Stress with New Strategies11:22 The Impact of Pay Period Budgeting on Family Finances15:16 Embracing Technology and Mindset Shifts for Financial Freedom16:48 Collaborative Budgeting: A Couple's Journey to Financial Harmony24:57 Budgeting Success: From Credit Card Debt to Planning for the Future25:30 Setting Financial Goals: Trips, Hospital Bills, and Beyond26:29 The Impact of Budgeting on Debt and Savings27:38 Reevaluating Spending: The Shift from Frivolous to Focused28:23 The Power of a Planned Budget: Reducing Uncertainty29:42 Embracing Budget Buffers: A Strategy for Flexible Spending33:57 Celebrating Small Wins: The Importance of Rewarding Progress41:34 Fortune Cookie Finance: The Top 3 Most Common Financial GoalsAdvertising Inquiries: https://redcircle.com/brandsPrivacy & Opt-Out: https://redcircle.com/privacy

Are you in a season of waiting when it comes to your money? Where you know some big change is coming in the near future, but it's not there yet. What do you do in the meantime? What do you do while you're waiting? Should you try to grow the gap between your income and expenses? Or should you just be okay with a different timeline than you maybe thought initially? Alexandrea is a single mom and a teacher's aide getting her teaching degree. In today's episode, we talk about when to be okay with saving and when to be okay with spending.Get started with pay period budgeting today for just $9! The Debt Free Mom Mini Course + Template will help you take your first steps toward managing your home finances with confidence. Get it today at debtfreemom.co/templateDo you have a money question that you’d like to talk about with Carly? Do you have a story of navigating a tricky financial situation? We’d love to have you on the Debt Free Mom Podcast! Fill out the guest application at dfmpodcast.com. Advertising Inquiries: https://redcircle.com/brandsPrivacy & Opt-Out: https://redcircle.com/privacy

Today I'm excited to share my conversation with you from my new friends Stacie & Meghan from Didn't I Just Feed You.Didn’t I Just Feed You is a weekly podcast hosted by long-time food professionals, Stacie Billis and Meghan Splawn, all about feeding our families — even for parents who hate to cook. (Because, man, kids need to eat a lot, and all the time too!) Every week, Stacie and Meghan get real about feeding kids, tweens, and teens. From how to turn nachos into dinner to making tofu delicious, the magic of meatballs to cracking the meal planning code, Stacie and Meghan share their hard-earned kitchen wisdom on everything from cooking techniques to managing the mental load of being the family cook — all while keeping it real, funny, and non-judgemental. Because at the end of the day, it doesn’t matter that they’ve written cookbooks and worked on top TV cooking shows: they’re just two moms trying to get dinner on the table too. Didn’t I Just Feed You is available on iTunes, Spotify, Stitcher, Google Play, or anywhere you get your favorite podcasts. You can learn more on didntijustfeedyou.com/debtfreemom or find them on Instagram as @didntijustfeedyou.Managing your money shouldn’t be a lonely experience! The Care Creates Community from Debt Free Mom is a safe, private membership community created specifically for women who manage their home’s finances. Together, we find realistic ways to make the most of our home finances & stick with our plans! Get the support you need to reach your financial goals by joining today at www.carecreatescommunity.com.Do you have a money question that you’d like to talk about with Carly? Do you have a story of navigating a tricky financial situation? We’d love to have you on the Debt Free Mom Podcast! Fill out the guest application at dfmpodcast.com.Advertising Inquiries: https://redcircle.com/brandsPrivacy & Opt-Out: https://redcircle.com/privacy

As many of you know, I was diagnosed with ADHD in my early thirties. It was a major learning process for me and still is. On today's episode, Shawn comes on to share his experience having ADHD and learning to manage his finances. Shawn's been married for 23 years, has two kids ages 21 and 15, and he works as a computer programmer. Today we talk about his struggles and successes with learning to budget towards the way that his brain is uniquely wired.Managing your money shouldn’t be a lonely experience! The Care Creates Community from Debt Free Mom is a safe, private membership community created specifically for women who manage their home’s finances. Together, we find realistic ways to make the most of our home finances & stick with our plans! Get the support you need to reach your financial goals by joining today at www.carecreatescommunity.comDo you have a money question that you’d like to talk about with Carly? Do you have a story of navigating a tricky financial situation? We’d love to have you on the Debt Free Mom Podcast! Fill out the guest application at dfmpodcast.comAdvertising Inquiries: https://redcircle.com/brandsPrivacy & Opt-Out: https://redcircle.com/privacy

What do you do when you're ready to budget and send money to goals but your spouse isn't? Today's episode is with Rachel Parker who is a wife, a mom of two, and a teacher's assistant. Rachel and her husband realized that they needed to clean up their finances in a big way. Now they're working through building a realistic budget and learning to stick to it. So what can we do when one person is more motivated than the other?Rachel and I chat about:Committing to stay on the same team even when your priorities are differentFinding ways to celebrate your progress as you work toward long term goalsDeciding on incentives that will get both people excited about sticking to your planManaging your money shouldn’t be a lonely experience! The Care Creates Community from Debt Free Mom is a safe, private membership community created specifically for women who manage their home’s finances. Together, we find realistic ways to make the most of our home finances & stick with our plans! Get the support you need to reach your financial goals by joining today at www.carecreatescommunity.com.Do you have a money question that you’d like to talk about with Carly? Do you have a story of navigating a tricky financial situation? We’d love to have you on the Debt Free Mom Podcast! Fill out the guest application at dfmpodcast.com. Advertising Inquiries: https://redcircle.com/brandsPrivacy & Opt-Out: https://redcircle.com/privacy

Do you find yourself building budgets that look great on paper, but then once your pay period starts, you struggle to stay consistent? In this episode of the Debt Free Mom podcast, our guest Ali, a social worker, wife, and mom, delves into her personal challenges with creating budgets that work on paper but fail in practice. She discusses the additional struggles of managing finances with ADHD, offering a unique perspective on staying financially consistent while navigating the complexities of budgeting and money management.Get started with pay period budgeting today for just $9! The Debt Free Mom Mini Course + Template will help you take your first steps toward managing your home finances with confidence. Get it today at debtfreemom.co/templateDo you have a money question that you’d like to talk about with Carly? Do you have a story of navigating a tricky financial situation? We’d love to have you on the Debt Free Mom Podcast! Fill out the guest application at dfmpodcast.com. Advertising Inquiries: https://redcircle.com/brandsPrivacy & Opt-Out: https://redcircle.com/privacy

In today's episode of the Debt Free Mom podcast, we're talking about medical expenses. How do we get ahead with the other goals we have for our money when we constantly feel like we are paying for medical expenses that happened a long time ago? Sarah Gonzalez, a mom of two, comes on to talk about how she is going about paying off past medical expenses and reworking her budget so that she doesn't have to keep going into debt for medical bills. We talk about how to adjust your budget to make room for increased expenses, how you should prioritize paying off medical debt with your other money goals, and some practical ways to reduce the impact of debt payments on your day-to-day life.Then, Kyle joins the show for another segment of Financial Fortune Cookie to talk about what the future might hold for your money. He asks "How could you still be worried about money if you had a $2.3million net worth?"When it seems like there should be more left in your bank account, and your money seems too complicated to keep track of, the Debt Free Mom Custom Budget service takes the guesswork out of your next budget. Send us your real numbers, and you’ll receive two versions of your pay period budget: the original so you can see how your money is currently flowing and a suggested budget with changes we recommend to prioritize your money goals. Sign up for your Custom Budget today at debtfreemom.co/custom Do you have a money question that you’d like to talk about with Carly? Do you have a story like Sarah of navigating a tricky financial situation? We’d love to have you on the Debt Free Mom Podcast! Fill out the guest application at dfmpodcast.com. Advertising Inquiries: https://redcircle.com/brandsPrivacy & Opt-Out: https://redcircle.com/privacy

It is so easy to focus on what makes our own finances the exception to the rule. Why other people can budget, but we can't. Why other people can put money in savings, but we can't. Why other people can eat food from home, but we can't.But what if we started challenging ourselves to find the positive side of our financial picture, whatever that may be? Because it is there. Today's guest has taken the challenges of variable income and learned how to plan wisely for her family, even as they face an unpaid maternity leave. Plus, Kyle joins Carly for a brand new segment we're trying out called Financial Fortune Cookie. If you love it or (if hate it), let us know what you think! Do you have a money question that you’d like to talk about with Carly? Do you have a story of navigating a tricky financial situation? We’d love to have you on the Debt Free Mom Podcast! Fill out the guest application at dfmpodcast.com. Let us build your budget for you! Send in your numbers - spending, income, frustrations, and goals - and we'll send you back a crystal clear picture of your finances with practical advice you can use to improve you money situation and reach your goals. Sign up for your Custom Budget today at debtfreemom.co/customAdvertising Inquiries: https://redcircle.com/brandsPrivacy & Opt-Out: https://redcircle.com/privacy

Since tax season is here, I wanted to answer a very common question I get this time of year: how do I use my tax refund?Everybody has a different response to receiving a tax refund.Some people purely see it as fun money as extra money. They can do whatever they want with it.Other people have been scraping by the past couple of months and feel a sense of relief when they receive a tax refund want to use it to catch up and add a little bit of breathing room back into their finances.Other people sometimes feel paralyzed by receiving a large chunk of cash all at once, because they're trying to figure out what to do with it, and it tends to disappear rather quickly.So on today's episode, I share a few questions to think through as you receive that tax refund so you can make sure it's going to be used to not only feel good in the moment, but also to change the trajectory of your finances longterm.If you want a personalized look at your finances to help you decide the best way to use your tax refund, sign up for a Custom Budget. Send in your income, expenses, and what your tax refund will be, and you’ll get back two versions of your budget: the original budget so you can see how your money is currently flowing, and a suggested budget with changes we recommend to prioritize your money goals. Sign up for your Custom Budget today at debtfreemom.co/customDo you have a money question that you’d like to talk about with Carly? Do you have a story of navigating a tricky financial situation? We’d love to have you on the Debt Free Mom Podcast! Fill out the guest application at dfmpodcast.com. Advertising Inquiries: https://redcircle.com/brandsPrivacy & Opt-Out: https://redcircle.com/privacy

What does a professional chef want us home cooks to know about cooking food at home? Today's guest is Sandy Leibowitz of Plantains & Challah. She's a trained chef with experience in restaurants as a personal chef, and now as an educator teaching people like me how to be more efficient and effective in their kitchens. As a note, we had a few technical issues with audio during this episode, so you'll notice the sound quality is a bit different than our episodes normally are. Sandy's advice is so good that I did not want to skip this episode just for the sake of the audio, so I hope you enjoy.If you want to dive into more of what Sandy has to offer, she's offering a few exclusive discounts for Debt Free Mom Podcast listeners. Check out her courses below, and use the discount codes to save!Cook Without Recipes (self paced cooking skills course) Code: DFMPOD50 for $50 off until 4/3/24 Link: https://tinyurl.com/CookWithoutrecipesChop It Like It's Hot (knife skills foundation class)I'll be having a free onion dice class in April before opening enrollment for this class. Code: DFMPOD19 for $19 off until 4/8/24Waitlist link: https://tinyurl.com/knifeskillswaitlistInstagram: instagram.com/plantainsandchallahFree cooking essentials guide + weekly emails on cooking: https://tinyurl.com/cookingessentialsguideManaging your money shouldn’t be a lonely experience! The Care Creates Community from Debt Free Mom is a safe, private membership community created specifically for women who manage their home’s finances. Together, we find realistic ways to make the most of our home finances & stick with our plans! Get the support you need to reach your financial goals by joining today at www.carecreatescommunity.com.Do you have a money question that you’d like to talk about with Carly? Do you have a story of navigating a tricky financial situation? We’d love to have you on the Debt Free Mom Podcast! Fill out the guest application at dfmpodcast.com.Advertising Inquiries: https://redcircle.com/brandsPrivacy & Opt-Out: https://redcircle.com/privacy