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.

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

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/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.