The Debt Pay Off Podcast for Women

195 Episodes

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194. Why Your Extra Debt Payments Aren't Working (Stop 'Checking the Box' With Your Money)

2026-10-2211:42

Sometimes the things that feel the most responsible with your debt payoff are actually keeping you stuck. In this episode, I'm talking about "checking the box" - small, symbolic financial actions, including scattering extra debt payments across whichever card feels most urgent each month, that feel like progress but aren't connected to any real strategy. I'll walk through three real examples of this pattern (including one straight out of debt payoff), why it happens even to smart, capable peo...

192. How to Build a Monthly Money Plan When Your Income Isn't Monthly

2026-10-1511:19

If your income isn't the same every month, most budgeting advice doesn't work for you - and that can leave you feeling like you just can't plan at all. In this episode, I'm walking through how to build a real, workable money plan even with irregular income: finding your "floor" (your lowest realistic month), building your plan around that number, and deciding in advance where extra money goes when a good month happens. Irregular income doesn't mean no plan. It just means a different kind of p...

191. 5 Things Quietly Wrecking Your Relationship With Money (And Your Debt Payoff).

2026-10-0809:57

These aren’t big dramatic money mistakes. They’re small, quiet habits that feel responsible (or at least harmless) but slowly wreck your relationship with your own money. In this episode, I’m walking through five sneaky patterns I see all the time: letting someone else hold your money so you don’t have to look at it, avoiding your bank balance, only talking about money in crisis mode, comparing your money to everyone else’s without knowing your own numbers, and using shame as motivation. You’...

190. Here's Exactly How I Spent My Fun Money in September

2026-10-0114:08

A few weeks ago, I told you Scott and I each get our own fun money every month, no questions asked. Now I'm putting my money where my mouth is - literally. In this episode, I'm walking through exactly how I spent my fun money in September. Every category, every purchase, no filter. If you've ever been curious what "guilt-free spending" actually looks like in practice (not just in theory), this one's for you. You'll learn: Exactly where my fun money went this SeptemberWhat surprised me when I ...

189. $50,000 in 8 Months: A Real Debt Payoff Story (with Morgan Brophy)

2026-09-2439:06

What would it take to pay off $50,000 in consumer debt in just 8 months? I'm talking with my friend Morgan Brophy - President & CEO of the Upper Valley Business Alliance - about exactly that. Morgan shares her real, honest debt payoff story, including what actually changed to make this kind of progress possible. We get into the "envelope method" Morgan grew up using (and still uses today, just with bank accounts instead of literal envelopes) - including how she pays herself an "allowance....

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