Bästa Pay Off Debt podcaster (2024)

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64 II Define Your Why to Thrive on One Income with 2 Line Budget as a Mom with Down Syndrome Child 21:00

1d ago21:00

21:00

Show Notes: Today I want to show how budgeting can become one of your enjoyable activities that delivers results. If you're going to live in financial freedom, and debt-free start working on your Why now. Your why is the main force behind your budget that is your tool for financial freedom instead of another to do on your chore list. Pick your One …

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323 | Living Bougie on a Budget: Enjoy Life While Building Financial Stability 30:37

1d ago30:37

30:37

Snag Our Simplified Budget System! Hey Budget Besties! 🎉 We’re thrilled to share a replay of one of our absolute favorite podcast chats—this time as guests on the Grace-Filled Leader Podcast with the amazing Tanya! In this episode, we dive into what it means to manage finances without losing sight of the bigger picture, like being present with our …

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40// Finally save more money, pay off debt, and stay in your budget with this simple tip 14:47

4d ago14:47

14:47

What is stopping you from saving, investing, or paying off debt? What is keeping you in the paycheck to paycheck cycle? Maybe you don't have this mindset: Can it wait a week? After this episode, you will walk away with a fresh mindset about your future, your goals and your budget! Let your budget EMPOWER you to get what you want. Do you want help g…

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322 | Hidden Savings: How One Call Could Reduce Your Monthly Bills 21:10

3d ago21:10

21:10

Snag Our Simplified Budget System! Welcome back, budget besties! Shana and Vanessa are diving into real-life financial breakthroughs from their latest client coaching sessions, sharing tips and lessons that’ll inspire you to make moves in your own money journey. This episode is all about combining finances, cutting out debt temptations, and negotia…

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321 | November Budget Basics: Wrapping Up October and Planning for the Holidays 19:16

6d ago19:16

19:16

Snag Our Simplified Budget System! Welcome back, budget besties! 🎙️ It's that beautiful time of year – cooler weather, cozier vibes, and (for many of us) packing up Halloween decorations and settling into November! Join Shana and Vanessa as we get ready to give our finances a warm fall reset, making sure every dollar has a place before holiday spen…

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320 | Breaking the Cycle: Getting Ahead When Monthly Budgeting Feels Overwhelming 29:35

9d ago29:35

29:35

Snag Our Simplified Budget System! In today’s episode, we chat with Selena, a devoted volunteer and financial coordinator for a horse rescue nonprofit. Selena’s got a big heart, but she’s feeling the squeeze—both financially and emotionally. She’s been using her personal funds to fill the gaps when the nonprofit struggles, and it’s starting to take…

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63 II Tactical Plan For Quick November Budget to Enjoy and to Avoid Thanksgiving Blues 20:17

9d ago20:17

20:17

Show Notes: Join me in this episode and learn how to create November's budget! The first thing is to plan, and create your cash flow, join the debt-free budgeting course if you want to learn how to do it step by step then design your budget, get your bills paid, and allocate for your daily regular purchases. I want you to enjoy your money to see th…

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39// 4 Ways Minimize the Cost of Eating Out on Busy Nights 23:30

10d ago23:30

23:30

Is the constant running around and never eating at home killing your food budget? There are 4 steps you can take to minimize this cost - even in the busiest seasons. Let me walk you through what these 4 steps look like for a mom who is empowered by her budget. Listen to this episode to answer these questions: How do I stay in my food budget? How do…

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319 | Transform Your Money Habits: From Living Paycheck to Paycheck to Financial Peace 31:10

11d ago31:10

31:10

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318 | Eliminate Financial Stress: The Power of Automating Your Spending and Savings 21:27

13d ago21:27

21:27

Snag Our Simplified Budget System! In this episode, Shana and Vanessa dive into the magic of automating your budget—because, let’s be real, we’re all way too busy to manage every little detail ourselves! Whether you’re an entrepreneur, a nurse, or juggling a household, automating your finances can be a game-changer. Imagine having your bills, savin…

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62 II Free Yourself from Fear of Financial Insecurity - Create Budget on a Single Income to Save More Money and Pay Off Debt 28:27

14d ago28:27

28:27

Show Notes: In this special edition episode, you are invited to celebrate the Simple Money Systems podcast's 1st anniversary. Enjoy my story of challenging situations and opportunities for growth and how it can help you to expand your opportunities. Apply for Debt-Free-Budgeting Course Waitlist Now: Click Here Learn more: www.dianagalas.com Discove…

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317 | How To Save On Groceries: Budget-Friendly Meal Planning with Plandy Mandy 38:08

16d ago38:08

38:08

Snag Our Simplified Budget System! Use promo code "BUDGETBESTIES" for 20% off at Mandy's Shop! Ready to slash your grocery bill without sacrificing flavor? Today, we’re thrilled to chat with Mandy Clint, aka Plandy Mandy! 🌿 With over 500K Instagram followers and a track record of helping 20,000+ families save big, Mandy is an expert in turning meal…

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38// Holiday spending tips for a holiday that won't break your budget 23:45

16d ago23:45

23:45

Planning in advance for the holidays is going to save you money and mental energy. In this episode, we'll walk through how to get your holiday mindset in check, prepare your budget, and of course strategize ways to save money this holiday while living abundantly. Click here for the free Budget Foundations Jumpstart! Let’s Connect: Instagram @budget…

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61 II Why Budgeting Software App is Another Time and Money Wasting Trap – Dodge the Social Media and Save Money Now 20:12

18d ago20:12

20:12

Show Notes: This episode is about the effects of media and smartphones on our finances, and mental and physical health. Join me to learn about a simple and verified way how to become a mastermind of your finances. Apply for Debt-Free-Budgeting Course Waitlist Now: Click Here Learn more: www.dianagalas.com Discover: schedule a Free Call right here: …

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316 | Rewriting Your Financial Story: How Women Can Win with Money 36:09

18d ago36:09

36:09

Snag Our Simplified Budget System! Hey, Budget Besties! 👋 This week, we're replaying a fantastic conversation we had with our friend Gia from the Your Future Starts Now podcast. It's one of our favorite chats, filled with laughs, insights, and plenty of practical tips to help you live your best financial life! Our Backstory: We share how our friend…

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315 | The Bougie Woman’s Guide to Budgeting Without Feeling Restricted Or Using Credit Cards 18:38

20d ago18:38

18:38

Snag Our Simplified Budget System! In this episode, we dive into the world of being "bougie" without losing control of your budget. If you’ve ever felt like you’re keeping up with the Joneses, but your bank account feels the strain—this one’s for you! We’re here to show you how you can prioritize what’s important to you, own your bougie lifestyle, …

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314 | The Stress-Free Way to Manage Money as a Busy Mom 30:09

23d ago30:09

30:09

Snag Our Simplified Budget System! In this inspiring episode, Shana and Vanessa sit down with Chelsea, a nurse practitioner, business owner, wife, and mother of three, who transformed her chaotic financial situation into one of clarity and control. Chelsea opens up about her long struggle with debt, credit cards, and financial overwhelm, and how a …

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60 II Stop Throwing Money at a Problem - 5 Money Problem Solving Tips to Save Money from Mom with Down Syndrome Child 21:36

23d ago21:36

21:36

Show Notes: Come and join me today on the Simple Money Systems podcast! I am sharing 5 tips about how problems can become our best blessings and save us time and money. Check it out here: Clearly define the problem. Understand the issue fully by identifying the root cause rather than just addressing the symptoms. Break it down. Divide the problem i…

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37// The most important habit to break the paycheck-to-paycheck cycle 17:12

24d ago17:12

17:12

Struggling to Stay on Top of Your Spending? Here's How Weekly Tracking Can Help You Reach Your Goals For many busy moms, staying on top of household finances can feel overwhelming. With bills, groceries, and daily expenses piling up, it's easy to lose track of your budget. In this episode, we dive into a powerful yet often overlooked habit—weekly s…

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313 | Dave Ramsey’s Tough Love vs. Our Practical Approach to Building Wealth and Multigenerational Family Homes 26:29

25d ago26:29

26:29

Snag Our Simplified Budget System! In today’s episode, we react to a call Dusty made on The Ramsey Show, seeking advice about building a home on his family’s land. Dusty was met with some tough love from Dave Ramsey, but we have our own perspective on the situation! We unpack what Dusty’s real question was—how to build the house while staying finan…

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59 II 4 Steps How to Create Monthly Spending Plan to Save More Money as a Mom with Down Syndrome Child 23:11

27d ago23:11

23:11

Show Notes: In this episode, I will be discussing a hot topic how to create a spending plan and how to gain confidence and peace of mind when it comes to your daily finances. 1. Have your bank statements available. 2. Write down your total income for the month, then your total Monthly bills that you paid and all other purchases. Subtract your Bills…

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312 | Creating a Realistic Budget: How to Plan for Unexpected Expenses and Stop The Credit Card Cycle 26:38

27d ago26:38

26:38

Snag Our Simplified Budget System! Hey Budget Besties! 💸 In this episode, we’re diving deep into some real-life coaching moments that we know so many of you can relate to. Vanessa and Shana share stories from their one-on-one calls with clients who are working hard to break free from complicated financial webs. From entrepreneurs with credit card c…

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311 | Stop Living Paycheck to Paycheck: A Fresh Take on Budgeting with Financial Freedom 27:05

30d ago27:05

27:05

Snag Our Simplified Budget System! Hey Budget Besties! 👋 We’re bringing you one of our all-time favorite chats with the amazing Kali Brigam from the Tick Talk podcast. This episode is packed with juicy financial insights on how to finally get a handle on your money without giving up life’s little pleasures (yes, you can keep your pumpkin spice latt…

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36// Be a Fierce Protector of Your Financial Goals 21:23

1M ago21:23

21:23

We are busy moms, taking care of a lot of things. So how can we protect our goals and visions? How can we stick with our goals? Answer: We must become a fierce protector of the goal. 1. Protect your time to have the vision. 2. Protect your time to plan. 3. Protect your plan. 4. Figure out how you will keep up with all your other commitments. And BE…

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310 | You Don't Need Another Budget, You Need A Budget System 18:55

1M ago18:55

18:55

Snag Our Simplified Budget System! Hey Budget Besties! 💸 Let’s get real—most people think the problem with budgeting is them. But we’re here to tell you that it’s not YOU—it’s the budget! In this episode, we break down why so many traditional budgets fail and why you need a system, not just another budget. 🚫📊 They share their journey from using rig…

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309 | How to Stick to a Budget Without Feeling Restricted 16:49

1M ago16:49

16:49

Snag Our Simplified Budget System! Budgeting doesn’t have to feel like a bad B-word! In this episode, Shana and Vanessa break down why budgets are actually freeing—not restricting. Whether you feel like you’re living paycheck to paycheck or just want more clarity, this episode will help you shift your mindset and find joy in managing your money. Th…

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308 | From Paycheck to Paycheck to Paycheck Ahead: Monique’s Story 24:25

1M ago24:25

24:25

Snag Our Simplified Budget System! In this inspiring episode, Shana and Vanessa chat with Monique Dixon, a certified nurse midwife and single mom, about her incredible journey to taking control of her finances. Monique shares the reality of making six figures but still living paycheck to paycheck, and how a mix of debt, stress, and feeling overwhel…

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307 | How to Make Your October Budget In 5 Simple Steps 21:56

1M ago21:56

21:56

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58 II How Debt-Free Affects Your Everyday Life with Simple Money Plan and Effective Money Budgeting System 19:28

1M ago19:28

19:28

Show Notes: Listen to episode #58 to learn how being debt-free can positively affect your everyday life. If you want to increase financial freedom, reduce stress and anxiety, open opportunities for your dreams, and improve your financial stability – you are in the right place! Don't forget to apply for Debt-Free Budgeting course waitlist right here…

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35// One SMALL STEP to Improve in Any Phase of Budgeting 16:59

1M ago16:59

16:59

What phase of budgeting are you in? Procrastination Phase? Beginning Budgeter? Been Budgeting For a While? Lost your Drive? Whichever phase you are in, I bet you can find a small step to take forward in this episode. Click here for the free Budget Foundations Jumpstart! Let’s Connect: Instagram @budgeteffectpodcast Email hello@thebudgeteffect.com L…

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306 | The Secret to Saving Money Consistently When Life Gets Busy 13:07

1M ago13:07

13:07

Snag Our Simplified Budget System! Hey, Budget Besties! We know life is BUSY—whether it’s juggling kids, sports, work, or all of the above. So how do you save consistently when you barely have time to think? In today’s episode, we share their foolproof system for saving money even when your schedule feels out of control. They dive into setting up a…

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305 | The Missing Step: How to Turn Dave Ramsey’s Advice Into a Practical Budget 13:52

1M ago13:52

13:52

Snag Our Simplified Budget System! Hey, Budget Besties! 🎙️ In today’s episode, we’re diving into something we hear all the time — you’ve tried the Dave Ramsey method, but still feel like something’s missing when it comes to the actual budgeting part. We get it! Dave’s method is great, but it doesn’t always answer the real-life, day-to-day money que…

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304 | Pay Off Debt Faster: How One Family Cleared $13K and Reduced Money Anxiety 17:03

2M ago17:03

17:03

Snag Our Simplified Budget System! Welcome back, Budget Besties! We’re diving into Part 2 of a conversation that’s close to our hearts. Today, we’re talking about one of our amazing clients who worked with Shana for a year and paid off $13,000 in credit card debt. 🥳 This client’s journey is so relatable, and we think it’s going to resonate with a l…

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34// The 50/30/20 Budget: Pros, Cons, and Truth Bombs 14:50

2M ago14:50

14:50

You know I talk more about a Values-Based Budget. So come along with me as I break down the pros and cons of a 50/30/20 budget. Click here for the free Budget Foundations Jumpstart! Let’s Connect: Instagram @budgeteffectpodcast Email hello@thebudgeteffect.com Let’s Connect: Instagram @budgeteffectpodcast Email hello@thebudgeteffect.com Want to ask …

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57 II Simple Money Strategy How Good Debt Can Help Pay Down Bad Debt with Effective Financial Budget 18:50

2M ago18:50

18:50

Show Notes: Debt isn’t created equal. In this episode, I want to touch on some important truths about debt. Have you heard anything good about debt? Well, it is typical to look down on debt. Listen to this episode and learn about good debt and how it can benefit you. Don't forget to apply for Debt-Free Budgeting course waitlist right here! Learn mo…

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303 | How She Paid Off $25,000 in 6 Months: Renegotiating Debt, Canceling Subscriptions, and Going Cash-Only 13:17

2M ago13:17

13:17

Snag Our Simplified Budget System! Hey budget besties! 💸 In today’s episode, we’re bringing you the inspiring story of one of our amazing clients who paid off $25,000 in debt—and we’re breaking it down into TWO episodes because there’s just too much to cover in one sitting! This is Part 1, so get comfy! Our client—a mom of three with a family of fo…

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302 | Girl Math No More: Breaking Free from Afterpay, Klarna and Overspending at Target 21:00

2M ago21:00

21:00

Snag Our Simplified Budget System! Hey Budget Besties! This episode is a treat! 🎉 We’re chatting with Brianna, a 26-year-old newlywed, new homeowner, and future RN! She’s ready to tackle her finances and shared her story about how she’s learning to manage her budget and stay on track. You won’t want to miss this one if you’re juggling big life chan…

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56 II Tutorial on Phone Bill Audit and How to Review Charges on Telephone Statement to Manage Money Effectively 16:40

2M ago16:40

16:40

Show Notes: Have you ever wondered what you are paying for with your phone bill? Let's dive into a detailed review of my telephone statement, line by line. Click on one link below to get connected and if you would like to learn more about what Simple Money Systems has in store for you. Learn more: www.dianagalas.com Apply for Debt-Free-Budgeting Co…

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301 | The Simplest Way to Organize Your Finances in Under 10 Minutes 11:32

2M ago11:32

11:32

Snag Our Simplified Budget System! Hey, Budget Besties! Got 10 minutes? That’s all you need for a game-changing approach to organize your finances. In this episode, we break down the easiest and quickest way to take control of your money—without the overwhelm. If you’re ready to feel less stressed and more in charge, we’ve got you covered. Feeling …

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300 | From Scrappy Beginnings to 300 Episodes: Our Wild Ride to Becoming Your Budget Besties 15:46

2M ago15:46

15:46

Snag Our Simplified Budget System! Hey, Budget Besties! 🎉 We’re celebrating a HUGE milestone today—our 300th episode! 🎧 Can you believe it?! We’re taking a little trip down memory lane to reminisce about how this journey started, the ups and downs, and what’s next for us. We’ll keep it short and sweet, but we’re so excited to share this moment with…

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33// Tips for a Low or No Spend Fall | Save Money This Fall 31:39

2M ago31:39

31:39

Fall is a great time to save money! In this episode we cover: 1. Why fall is a great time to cut spending 2. How to set rules for a no-spend or low-spend fall 3. Expenses that are coming up in fall and secondary options 4. Fun and low cost activities in the fall. Click here for the free Budget Foundations Jumpstart! Let’s Connect: Instagram @budget…

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55 II Embrace the Cringe! Why You Have to Start in Deep Debt- Learn 3 Tips How to Get Out of Money Cringe Victoriously 22:04

2M ago22:04

22:04

Show Notes: In this episode, I teach how to recover from a financial crash. 3 Simple steps will help you gain control over your financial life by embracing the cringe, creating the strategy, and getting accountability and support by connecting with me through these links: Learn more: www.dianagalas.com Apply for Debt-Free-Budgeting Course Now: Clic…

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299 | The Power of Habit Loops: Transform Your Health, Mindset, and Finances with Emily Nichols 28:59

2M ago28:59

28:59

Snag Our Simplified Budget System! In this episode, we sit down with the fabulous Emily Nichols, host of the globally ranked Habit Hack Your Health podcast. Emily shared her powerful strategies on building sustainable habits, not just for health but for all areas of life—including our finances! With her practical tips and refreshing perspective, yo…

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298 | Maximizing Your Money: Lessons from Real-Life Budgeting Challenges 15:49

2M ago15:49

15:49

Snag Our Simplified Budget System! In this episode, we’re diving deep into the real-life situations from our coaching sessions. We love coaching our clients, hearing their stories, and guiding them to a better financial path. Today, we're bringing those lessons to you, budget besties, so you can apply them directly to your financial journey.Key Tak…

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32// How to Make Meal Planning Work for You | Meal Planning for Busy Moms on a Budget 18:29

2M ago18:29

18:29

If you want to success with budgeting, then meal planning is something you're probably going to have to stick to. In this final episode of our 3-part meal planning series, we really zoom in on how to make meal planning work for you. Click here to join the Meal Planning Challenge Click here for the free Budget Foundations Jumpstart Let’s Connect: In…

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297 | How We Would Budget $9,500 Income A Month (Build A Budget In 20 Minutes) 20:04

2M ago20:04

20:04

Snag Our Signature Budget Template! Hey Budget Besties! 🚀 In this episode, we are taking on the challenge of building a complete budget in just 20 minutes. With an average income of $9,500 a month, they’ll walk you through their super easy-to-use budget system, showing you exactly where to allocate every dollar. You'll learn how to break down your …

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296 | From Conflict to Collaboration: Overcoming Money Struggles in Marriage with Therapist James Christensen 27:05

2M ago27:05

27:05

Snag Our Signature Budget Template! Hey, Budget Besties! 🤑 In this episode, we’re diving deep into the intersection of love and money with James Christensen, a marriage therapist from California. He’s here to help us navigate the often icky topic of finances in relationships. Trust us, you don’t want to miss these nuggets of wisdom! 💡 What We Cover…

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54 II Improve Cash Flow with 5 Simple Proven Steps to Thrive on Small Money Budget with a Down Syndrome Child 19:11

2M ago19:11

19:11

Show Notes: Learn 5 steps to improve your cash flow and how you can thrive on a small budget. In this step-by-step tutorial, I explain what actions to take, to help you get unstuck from the money rat race. Get in touch with me for a more in-depth look into your cash flow situation. I am here to help: Learn more: www.dianagalas.com Discover: schedul…

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295 | Pumpkin Spice and Everything Budget: Make Your September Budget With Us 🍁 27:49

2M ago27:49

27:49

Snag Our Signature Budget Template! Hey, budget besties! 🍁 September is just around the corner, and it’s time to make sure your budget is ready to handle all the upcoming expenses—pumpkin spice lattes included! In this episode, we guide you through the process of closing out your August budget and setting up a solid plan for September. From managin…

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31// Tips for Meal Planning on a Budget with Plandy.Mandy 34:44

2M ago34:44

34:44

Today we have expert meal planner, Plandy Mandy, to share some of her top tips for how to meal plan, sticking to a meal plan, and how to meal plan on a budget. It's Part 2 of our 3-episode series on Meal Planning! You can find Mandy on her Instagram page @Plandy.Mandy You can join the Meal Planning Challenge by signing up here. If you are ready to …

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