The Debt Free Mom Podcast Carly Hill

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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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.


Our Sponsors:
* Visit armoire.style/DEBTFREEMOM to get up to 50% off your first month, that’s up to $125 OFF! Never worry about what to wear again—try Armoire today


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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.


Our Sponsors:
* Visit armoire.style/DEBTFREEMOM to get up to 50% off your first month, that’s up to $125 OFF! Never worry about what to wear again—try Armoire today


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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.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


Our Sponsors:
* Visit armoire.style/DEBTFREEMOM to get up to 50% off your first month, that’s up to $125 OFF! Never worry about what to wear again—try Armoire today


Advertising Inquiries: https://redcircle.com/brands

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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 plan
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.


Our Sponsors:
* Visit armoire.style/DEBTFREEMOM to get up to 50% off your first month, that’s up to $125 OFF! Never worry about what to wear again—try Armoire today


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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/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.


Our Sponsors:
* Visit armoire.style/DEBTFREEMOM to get up to 50% off your first month, that’s up to $125 OFF! Never worry about what to wear again—try Armoire today


Advertising Inquiries: https://redcircle.com/brands

Privacy & Opt-Out: https://redcircle.com/privacy