You paid off your credit card last month. This month it's back up to $2,000. Sound familiar? Paying off credit cards isn't the same thing as breaking up with them - and until you change your relationship with credit, you'll keep ending up right back where you started. In this episode, I'm breaking down why credit cards feel so helpful (until they become a trap), and the exact strategy to actually stop using them: a 4-week reset that includes a spending overhaul and decluttering your home to find extra money. If you're tired of the cycle, this episode will show you how to break it.

You'll learn:

• Why credit cards are designed to feel helpful (and why that's the problem)
• When credit cards go from convenient to trap
• Why you can't pay off debt while actively adding to it
• The 4-week credit card breakup plan (stop using, overhaul spending, declutter and sell)
• How to find money you didn't know you had
• What happens when you actually break up with credit cards (instead of just paying them off)

Get 9 Ways to Break Up With Your Credit Cards

www.katyalmstrom.com/9-ways

Book a free consultation call with Katy: calendly.com/almstromcoaching/moneywisechat

Apply for Moneywise : katyalmstrom.com/moneywise

Connect with Katy:

IG: www.instagram.com/katy_almstrom
FB Group: www.facebook.com/groups/debtpayoffforwomen

Your budget keeps failing - and it's not because you're bad with money. It's because you're trying to force your real life into a generic template that doesn't account for what's actually happening. With the holidays coming up (Thanksgiving, Christmas, birthdays, parties, travel), November and December need a PLAN, not a budget. In this episode, I'm walking you through how to create a spending plan based on your actual calendar, your household's real needs, and what matters to YOU - so you can stop feeling like a failure when life doesn't fit the template.

You'll learn:

• Why generic budgets set you up to fail (especially during the holidays)
• The difference between a budget and a spending plan
• How to plan for your actual life by looking at your calendar
• What to consider for November/December specifically (because these months are NOT normal)
• How to make intentional choices about what matters vs. what doesn't
• Why flexibility is key to a plan that actually works

Get 9 Ways to Break Up With Your Credit Cards

www.katyalmstrom.com/9-ways

Book a free consultation call with Katy: calendly.com/almstromcoaching/moneywisechat

Apply for Moneywise : katyalmstrom.com/moneywise

Connect with Katy:

IG: www.instagram.com/katy_almstrom
FB Group: www.facebook.com/groups/debtpayoffforwomen

You say health is a priority, but you feel guilty spending on a gym membership. You say your marriage matters, but there's no room in the budget for date night. Your money is telling a story about your priorities - and it might not match what you're saying out loud. In this episode, I'm breaking down the two ways we contradict ourselves with money: feeling guilty about spending on what matters, and spending on things that don't actually align with our values. If you're tired of the disconnect between what you say matters and where your money actually goes, this episode will help you get aligned.

You'll learn:

• Why guilt around "good" spending keeps you stuck
• How to see what your money ACTUALLY says you prioritize (not what you think it says)
• The difference between restriction and intentional spending
• One simple exercise to identify where you're contradicting yourself
• How to make aligned money choices that support your real priorities
• Why debt payoff fails when your spending contradicts your values

Get 9 Ways to Break Up With Your Credit Cards

www.katyalmstrom.com/9-ways

Book a free consultation call with Katy: calendly.com/almstromcoaching/moneywisechat

Apply for Moneywise : katyalmstrom.com/moneywise

Connect with Katy:

IG: www.instagram.com/katy_almstrom
FB Group: www.facebook.com/groups/debtpayoffforwomen