Episodes

  • 67 Using Your Checking Account as Waiting Room, Not a Vault with Stacie
    Oct 28 2024

    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 Stacie


    00:38 Switching to a New Budget Tool

    00:55 The Learning Curve of Budgeting by Pay Period

    01:43 Benefits of Budgeting by Pay Period

    01:50 Managing Multiple Income Streams

    02:31 Adjusting to Bi-Weekly Budgeting

    07:29 Handling Variable Expenses

    12:03 Using Checking Accounts as Waiting Rooms

    16:08 Collaborative Budgeting with Your Partner

    20:10 Understanding the Learning Curve

    20:44 Transitioning to a New Budget Template

    21:14 Long-Term Financial Planning

    21:58 Tracking and Adjusting Expenses

    23:05 Benefits of the Budget Template

    23:56 Planning for Future Expenses

    24:57 Achieving Financial Goals

    32:57 Managing Credit Card Payments

    37:56 Conclusion and Final Thoughts



    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/template


    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.



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    39 mins
  • 66. Making Your Own Rules for Budgeting with Jessica
    Oct 21 2024

    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/template


    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.



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    44 mins
  • Quick Update on the DFM Podcast Summer Schedule
    Jul 8 2024

    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!



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    1 min
  • 65. Breaking Down our Family Vacation - Budgeting, Planning, and Traveling with Kids
    Jun 24 2024

    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.



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    34 mins
  • 64. How Aneisha Traveled to Southeast Asia for 6 Months Debt Free
    Jun 17 2024

    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/template

    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.



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    38 mins
  • 63. How to Start Your Summer Side Hustle
    Jun 10 2024

    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/template

    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.



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    49 mins
  • 62. Enjoying Summer at Home and on the Road
    Jun 3 2024

    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.



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    34 mins
  • 61. Escaping the Trap of Credit Card Payments with Kristina
    May 27 2024

    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/template

    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.


    01:54 Discovering Pay Period Budgeting: A Game Changer

    03:17 The Practicalities of Pay Period Budgeting

    06:24 Overcoming Debt and Financial Stress with New Strategies

    11:22 The Impact of Pay Period Budgeting on Family Finances

    15:16 Embracing Technology and Mindset Shifts for Financial Freedom

    16:48 Collaborative Budgeting: A Couple's Journey to Financial Harmony

    24:57 Budgeting Success: From Credit Card Debt to Planning for the Future

    25:30 Setting Financial Goals: Trips, Hospital Bills, and Beyond

    26:29 The Impact of Budgeting on Debt and Savings

    27:38 Reevaluating Spending: The Shift from Frivolous to Focused

    28:23 The Power of a Planned Budget: Reducing Uncertainty

    29:42 Embracing Budget Buffers: A Strategy for Flexible Spending

    33:57 Celebrating Small Wins: The Importance of Rewarding Progress

    41:34 Fortune Cookie Finance: The Top 3 Most Common Financial Goals




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    58 mins