FINANCIAL PLANNING for Working Moms II Budgeting, Debt, Save Money, Financial Stability, Savings, Stewardship

By Diana Galas - Financial Coach, Budgeting Expert, Money MentorEducation Self-Improvement How To Courses

FINANCIAL PLANNING for Working Moms II Budgeting, Debt, Save Money, Financial Stability, Savings, Stewardship episodes

February 09 153 II How to Manage Money With 3 Simple Financial Planning Tips to Save Money as a Working Mom
In this episode, Diana Galas shares 3 practical steps for moms to take care of themselves, their family, and their child’s future while protecting financial stability. Learn how small daily habits, intentional planning, and the right tools—like special needs trusts—can help you manage stress, build clarity, and plan confidently for tomorrow. Perfect for moms of children with extra needs or anyone juggling caregiving responsibilities while wanting to secure a stable future.
Sign up for a weekly Simple Money Systems straight to your inbox: at dianagalas.com/newsletter
Listen to the interview with Inga Lizdenyte, Episode #113
💛 Happy listening!
NEXT STEPS:
1. Get instant access to a FREE 1-hour Simple Money Method training and start building a money system that actually works for your life: https://dianagalas.com/workshop
2. Apply for your FREE consultation to talk to Diana 1:1. Find out the exact path forward to feeling better and greatly increasing your chances of getting your finances back on track - and learn how money breakthrough coaching can get you there: https://dianagalas.com/application
3. Take a quick check to identify where your finances may be at risk: https://go.dianagalas.com/CashLeak
4. Join the free Facebook support community for Special needs mothers: https://dianagalas.com/community
Client Reviews...
⭐⭐⭐⭐⭐
„I absolutely recommend Diana! I’m currently going through her course, and honestly, I’m a bit shocked at how my husband and I had been handling our finances. We grew up without credit cards—so we didn’t know better, and we ended up deep in debt. This course has been a game-changer. It’s opened my eyes and completely shifted the way I think about money. It’s not just about getting out of debt—it’s about learning how to stay out for good. I’m so grateful there’s finally practical guidance like this available, and I truly hope our kids won’t repeat the same financial mistakes we made.”
- Masha B.
⭐⭐⭐⭐⭐
„Great news! I just paid off $1,863 in debt — woo hoo!
Thank you so much for your support. Your teaching was incredibly helpful, and I truly appreciate all the guidance you’ve given me. I couldn’t have done it without you!!”
- DeeAnn G.
18 min
February 02 152 II Struggling With Overspending? 3 Simple Budgeting Tips to Save Money (Step by Step) as a Working Mom
In this episode, Diana Galas shares three simple, mindset-shifting budgeting tips designed for busy moms who feel overwhelmed, stressed, or boxed in by traditional budgeting. Instead of rigid categories, she introduces a dream-first approach to money, daily clarity check-ins rooted in gratitude, and a powerful reframe of spending as investing in your life and family. This episode is perfect for moms living paycheck-to-paycheck, managing debt, or craving financial peace and confidence—especially those carrying extra caregiving responsibilities. Learn how to create a simple money system that supports your dreams, reduces money stress, and builds real-life wealth with clarity and intention.
Sign up for the Simple Money Method workshop at dianagalas.com/workshop
Leave your voice message for Diana here: https://www.speakpipe.com/DianaGalas
💛 Happy listening!
NEXT STEPS:
1. Get instant access to a FREE 1-hour Simple Money Method training and start building a money system that actually works for your life: https://dianagalas.com/workshop
2. Apply for your FREE consultation to talk to Diana 1:1. Find out the exact path forward to feeling better and greatly increasing your chances of getting your finances back on track - and learn how money breakthrough coaching can get you there: https://dianagalas.com/application
3. Take a quick check to identify where your finances may be at risk: https://go.dianagalas.com/CashLeak
4. Join the free Facebook support community for Special needs mothers: https://dianagalas.com/community
Client Reviews...
⭐⭐⭐⭐⭐
„I absolutely recommend Diana! I’m currently going through her course, and honestly, I’m a bit shocked at how my husband and I had been handling our finances. We grew up without credit cards—so we didn’t know better, and we ended up deep in debt. This course has been a game-changer. It’s opened my eyes and completely shifted the way I think about money. It’s not just about getting out of debt—it’s about learning how to stay out for good. I’m so grateful there’s finally practical guidance like this available, and I truly hope our kids won’t repeat the same financial mistakes we made.”
- Masha B.
⭐⭐⭐⭐⭐
„Great news! I just paid off $1,863 in debt — woo hoo!
Thank you so much for your support. Your teaching was incredibly helpful, and I truly appreciate all the guidance you’ve given me. I couldn’t have done it without you!!”
- DeeAnn G.
21 min
January 26 151 II Drowning in credit card debt? 6 Easy ways to organize financial planning to pay off debt as a working mom
Feeling sick of credit card debt and overwhelmed by money? In this episode, Diana shares her honest journey from fearing credit cards to organizing her finances with a simple 2-Line Budget that tracks only monthly bills and daily purchases. Learn how small daily habits create clarity, why debt doesn’t need drama, and how to stay debt-free with systems that fit real life—especially for moms with extra responsibilities.
Sign up for the weekly Savings Planner Here or send me an email to [email protected]
Have questions for Diana? Leave your voice message here: https://www.speakpipe.com/DianaGalas
💛 Happy listening!
NEXT STEPS:
1. Get instant access to a FREE 1-hour Simple Money Method training and start building a money system that actually works for your life: https://dianagalas.com/workshop
2. Apply for your FREE consultation to talk to Diana 1:1. Find out the exact path forward to feeling better and greatly increasing your chances of getting your finances back on track - and learn how money breakthrough coaching can get you there: https://dianagalas.com/application
3. Take a quick check to identify where your finances may be at risk: https://go.dianagalas.com/CashLeak
4. Join the free Facebook support community for Special needs mothers: https://go.dianagalas.com/fbgroup
Client Reviews...
⭐⭐⭐⭐⭐
„I absolutely recommend Diana! I’m currently going through her course, and honestly, I’m a bit shocked at how my husband and I had been handling our finances. We grew up without credit cards—so we didn’t know better, and we ended up deep in debt. This course has been a game-changer. It’s opened my eyes and completely shifted the way I think about money. It’s not just about getting out of debt—it’s about learning how to stay out for good. I’m so grateful there’s finally practical guidance like this available, and I truly hope our kids won’t repeat the same financial mistakes we made.”
- Masha B.
⭐⭐⭐⭐⭐
„Great news! I just paid off $1,863 in debt — woo hoo!
Thank you so much for your support. Your teaching was incredibly helpful, and I truly appreciate all the guidance you’ve given me. I couldn’t have done it without you!!”
- DeeAnn G.

23 min
January 19 150 II Living Paycheck to Paycheck? Try This ONE Simple Budgeting Method to Save More Money as a Working Mom
Feeling frustrated living paycheck to paycheck and wondering where your money keeps going? In this episode, Diana shares the one simple method that helped her stop chasing more income and start gaining clarity—without sacrificing family time or joy. She walks you through the Cash Leak Audit, a free 5–7 minute quiz designed to uncover hidden spending leaks in your monthly bills, daily expenses, emergencies, debt, and savings. This episode is a reminder that saving more money isn’t always about earning more—it’s about seeing clearly. Take the first step toward peace, progress, and an intentional financial life by completing the free Cash Leak Audit at dianagalas.com/cashleak
Have questions for Diana? Leave your voice message here: https://www.speakpipe.com/DianaGalas
💛 Happy listening!
NEXT STEPS:
1. Get instant access to a FREE 1-hour Simple Money Method training and start building a money system that actually works for your life: https://dianagalas.com/workshop
2. Apply for your FREE consultation to talk to Diana 1:1. Find out the exact path forward to feeling better and greatly increasing your chances of getting your finances back on track - and learn how money breakthrough coaching can get you there: https://dianagalas.com/application
3. Take a quick check to identify where your finances may be at risk: https://go.dianagalas.com/CashLeak
4. Join the free Facebook support community for Special needs mothers: https://go.dianagalas.com/fbgroup
Client Reviews...
⭐⭐⭐⭐⭐
„I absolutely recommend Diana! I’m currently going through her course, and honestly, I’m a bit shocked at how my husband and I had been handling our finances. We grew up without credit cards—so we didn’t know better, and we ended up deep in debt. This course has been a game-changer. It’s opened my eyes and completely shifted the way I think about money. It’s not just about getting out of debt—it’s about learning how to stay out for good. I’m so grateful there’s finally practical guidance like this available, and I truly hope our kids won’t repeat the same financial mistakes we made.”
- Masha B.
⭐⭐⭐⭐⭐
„Great news! I just paid off $1,863 in debt — woo hoo!
Thank you so much for your support. Your teaching was incredibly helpful, and I truly appreciate all the guidance you’ve given me. I couldn’t have done it without you!!”
- DeeAnn G.
19 min
January 18 149 II How to Organize Personal Finances: 3-Step Simple Money Check to organize Financial Planning as a Working Mom
SHOW NOTES:
In this episode, I break down the 3-Step Simple Money Audit and show you how to finally understand the difference between your real needs, your value-add wants, and those no-value wants that quietly drain your energy and your bank account. I also walk you through the power of the 2-Line Budgeting System—the simple framework that brings peace, stability, and clarity to your monthly finances. We talk about why the word audit used to make me cringe from my accounting days, and how this new kind of audit is the complete opposite: it’s guilt-free, empowering, and designed to help you dream bigger than ever. You’ll learn why doing these audits periodically—especially before the new year, before big purchases, or as part of your long-term dream planning—can transform not just your money, but your confidence and your future. Tune in to step into more clarity, more alignment, and more freedom.
✔️ TAKE WEALTHY QUIZ: discover your financial strengths and growth areas https://dianagalas.com/wealthy-quiz
Do you have a question for Diana? Leave your voice message here: https://www.speakpipe.com/DianaGalas
💛 Happy listening!
NEXT STEPS:
1. Get instant access to a FREE 1-hour Simple Money Method training and start building a money system that actually works for your life: https://dianagalas.com/workshop
2. Apply for your FREE consultation to talk to Diana 1:1. Find out the exact path forward to feeling better and greatly increasing your chances of getting your finances back on track - and learn how money breakthrough coaching can get you there: https://dianagalas.com/application
3. Take a quick check to identify where your finances may be at risk: https://go.dianagalas.com/CashLeak
4. Join the free Facebook support community for Special needs mothers: https://go.dianagalas.com/fbgroup
Client Reviews...
⭐⭐⭐⭐⭐
„I absolutely recommend Diana! I’m currently going through her course, and honestly, I’m a bit shocked at how my husband and I had been handling our finances. We grew up without credit cards—so we didn’t know better, and we ended up deep in debt. This course has been a game-changer. It’s opened my eyes and completely shifted the way I think about money. It’s not just about getting out of debt—it’s about learning how to stay out for good. I’m so grateful there’s finally practical guidance like this available, and I truly hope our kids won’t repeat the same financial mistakes we made.”
- Masha B.
⭐⭐⭐⭐⭐
„Great news! I just paid off $1,863 in debt — woo hoo!
Thank you so much for your support. Your teaching was incredibly helpful, and I truly appreciate all the guidance you’ve given me. I couldn’t have done it without you!!”
- DeeAnn G.
23 min
January 05 148 II Financial Goals Planning for This Year (Step by Step): 4 Personal Finance Areas Every Working Mom Should Check First
SHOW NOTES:
In this episode, we begin the new year by slowing down and looking inward—at the four parts of you that shape how you live, decide, and manage money: your spiritual, emotional, physical, and intellectual well-being. Before planning goals or budgets, I invite you to dream again—boldly, freely, and without limits—and then gently turn those dreams into intentional goals using a paper planner and the 2-Line Budget. You’ll learn why caring for your 4 “I Am’s” brings clarity, calm, and confidence not only to your finances, but to your entire life. This episode is a loving reminder for busy, high-need life moms that when you are supported and aligned, everything else—including money—becomes lighter and more manageable.
💛 Happy listening!
NEXT STEPS:
1. Get instant access to a FREE 1-hour Simple Money Method training and start building a money system that actually works for your life: https://dianagalas.com/workshop
2. Apply for your FREE consultation to talk to Diana 1:1. Find out the exact path forward to feeling better and greatly increasing your chances of getting your finances back on track - and learn how money breakthrough coaching can get you there: https://dianagalas.com/application
3. Take a quick check to identify where your finances may be at risk: https://go.dianagalas.com/CashLeak
4. Join the free Facebook support community for Special needs mothers: https://go.dianagalas.com/fbgroup
Client Reviews...
⭐⭐⭐⭐⭐
„I absolutely recommend Diana! I’m currently going through her course, and honestly, I’m a bit shocked at how my husband and I had been handling our finances. We grew up without credit cards—so we didn’t know better, and we ended up deep in debt. This course has been a game-changer. It’s opened my eyes and completely shifted the way I think about money. It’s not just about getting out of debt—it’s about learning how to stay out for good. I’m so grateful there’s finally practical guidance like this available, and I truly hope our kids won’t repeat the same financial mistakes we made.”
- Masha B.
⭐⭐⭐⭐⭐
„Great news! I just paid off $1,863 in debt — woo hoo!
Thank you so much for your support. Your teaching was incredibly helpful, and I truly appreciate all the guidance you’ve given me. I couldn’t have done it without you!!”
- DeeAnn G.
30 min
December 29, 2025 147 II How Simple Non Traditional Budget and My Daily Financial Planning Build Productive Year as a Working Mom
SHOW NOTES:
Simple budgeting didn’t add more to my plate, it gave me peace in the middle of a full, demanding life. In this episode, I share how creating a gentle money rhythm through simple daily check-ins, weekly planning, and a flexible 2-line budget helped me move from financial noise to clarity, consistency, and confidence. From my Money Funnel that removed guilt and second-guessing, to my Morning Power Hour and nightly Honor Hour, you’ll hear how small, intentional habits transformed not just our finances, but our family life, marriage, and sense of purpose. If you’re a busy mom especially one navigating special needs parenting, this episode is an encouraging reminder that money can support your life instead of controlling it.
Mentioned episodes:
100 II 6 Steps to Organize Messy Money and Mindset with Debt-Free Budgeting Course
101 II How Debt-Free Budgeting Transformed Me Into a Better Mom, Wife, Professional, and Person
127 II How Simple Money Method Can Make Your Dream Come True With 2 Line Budget – Live Workshop with Diana Galas
💛 Happy listening!
NEXT STEPS:
1. Get instant access to a FREE 1-hour Simple Money Method training and start building a money system that actually works for your life: https://dianagalas.com/workshop
2. Apply for your FREE consultation to talk to Diana 1:1. Find out the exact path forward to feeling better and greatly increasing your chances of getting your finances back on track - and learn how money breakthrough coaching can get you there: https://dianagalas.com/application
3. Take a quick check to identify where your finances may be at risk: https://go.dianagalas.com/CashLeak
4. Join the free Facebook support community for Special needs mothers: https://go.dianagalas.com/fbgroup
Client Reviews...
⭐⭐⭐⭐⭐
„I absolutely recommend Diana! I’m currently going through her course, and honestly, I’m a bit shocked at how my husband and I had been handling our finances. We grew up without credit cards—so we didn’t know better, and we ended up deep in debt. This course has been a game-changer. It’s opened my eyes and completely shifted the way I think about money. It’s not just about getting out of debt—it’s about learning how to stay out for good. I’m so grateful there’s finally practical guidance like this available, and I truly hope our kids won’t repeat the same financial mistakes we made.”
- Masha B.
⭐⭐⭐⭐⭐
„Great news! I just paid off $1,863 in debt — woo hoo!
Thank you so much for your support. Your teaching was incredibly helpful, and I truly appreciate all the guidance you’ve given me. I couldn’t have done it without you!!”
- DeeAnn G.

26 min
December 22, 2025 146 II Step-by-Step Guide to Saving Money and Paying Off Credit Card Debt FAST with Financial Planning
SHOW NOTES:
In this episode, I break down The Simple System to Finally Pay Off Credit Card Debt Fast—a realistic, mom-friendly approach that cuts through overwhelm and gets straight to the steps that work. We explore why credit card debt is so common, how it silently affects your financial stability, and the exact three things you can do today to take back control: the One-Card Rule, a visual credit card list, and the 2-Line Budget that transforms your payoff plan into a true essential. By the end, you’ll understand your debt with clarity, feel empowered instead of embarrassed, and walk away with a simple, actionable system you can start right after this episode.
💛 Happy listening!
✔️ FREE MEAL PLAN WORKBOOK: download now at https://dianagalas.com/mealplan
✔️ FREE "FIND YOUR MONEY METHOD" WORKSHOP: go to now at https://dianagalas.com/workshop
26 min
December 15, 2025 145 II 3 Steps How to Afford Christmas Using Simple Non Traditional Budget as a Working Mom
SHOW NOTES:
In this episode, we dive into how to afford what matters this Christmas using the 2-Line Budget — especially for busy moms raising special-needs children. You’ll learn what’s really eating up your budget, why traditional systems fail families with high-needs schedules, and how to take control in just 10 minutes. I’ll walk you through my personal 2-Line Reset for the holiday season and share how this simple system helped me stabilize my finances, pay off debt, and create more joy in my life with my son. If you’re ready to step into clarity and financial peace, join our next round of the Debt-Free Budgeting Program https://dianagalas.com/course
💛 Happy listening!
20 min
December 08, 2025 144 II How Simple Financial Planning with Non Traditional Budget Finally Works for Working Moms
SHOW NOTES:
In this episode of Simple Money Systems, we tackle the challenge of budgeting for busy families — the struggles, the frustrations, and the feeling that no system ever works for you. I share relatable stories of failed budgets, guide you step-by-step to review your bank statements, uncover the story behind your spending, and introduce the 2-line budget — a simple, practical approach designed to fit your life, not overwhelm it. You’ll discover how to take control of your finances, dream big, and finally implement a budgeting system that actually works, giving clarity, confidence, and a path toward financial freedom. Tune in for practical strategies, encouragement, and actionable steps to make your money work for you, not against you.
💛 Happy listening!
Links & Resources:
✔️ DEBT-FREE BUDGETING PROGRAM: apply for 12-week coaching program at https://dianagalas.com/course
✔️ NEWSLETTER: join Simple Money Systems weekly news https://dianagalas.com/newsletter
18 min

About FINANCIAL PLANNING for Working Moms II Budgeting, Debt, Save Money, Financial Stability, Savings, Stewardship

From the publisher's feed

⭐⭐⭐⭐⭐ 5-STAR RATED Across Every Podcast Platform!

Are you tired of living paycheck to paycheck? Has caring for your family left you physically, mentally, or financially drained? Do you feel like your life has been put on hold, even though you know God still placed dreams on your heart?

Are you tired of debt calling the shots, bills running your day, and groceries eating your paycheck? Do you want to fund your dreams and fully support your family’s needs without guilt, confusion, or constant sacrifice?

If you’re ready to grow your finances so you can protect your family’s future and finally make room for your own, welcome to the Financial Planning for Working Moms Podcast with step-by-step episodes, created by a mom who truly understands this life and is walking it right alongside you.

I’m Diana, a financial coach, budgeting specialist, and a mom to four children. I don’t teach from a quiet or perfect life. I teach from inside the mess: the advocacy, the emotional load, the unpredictable days, and the weight of carrying everything for everyone. Every strategy shared here has been shaped and tested by real life - for real moms with real family needs.

Simple Money Systems was built for moms like you who hold emotional, mental, and financial responsibility every single day. This isn’t about doing more or trying harder. It’s about simplifying money decisions, reducing pressure, and creating a clear structure so your finances stop adding to the load and start supporting the life you’re holding together.

Inside the podcast, you’ll get simple systems, real-life examples, mindset shifts, and weekly encouragement to help you:

⭐ Take control of your paycheck
⭐ Master budgeting without burnout
⭐ Have always enough to plan your dreams
⭐ Grow savings and build financial stability
⭐ Create a life you love

If you want peace over perfection, a simple money system over stress, and progress that actually fits your life - this podcast is for you. You don’t need to be “good at math.” More discipline won’t fix it. Another complicated budget isn’t the answer.

What does matter is a system that understands your life… and maybe a cup of coffee you don’t have to reheat three times.

Welcome to Financial Planning! Press “Play”

NEXT STEP:

1. Book your 1:1 coaching with Diana. Unlock your financial stability to feeling better and to get your finances back on track - and learn how financial coaching can get you there: https://dianagalas.com/coaching

Have questions? Email me: [email protected]

Great Listen For: Financial Planning, Budgeting, Money Management, Personal Finance, Financial Goals, Working Moms, Debt Free Journey, Saving Money, Paycheck To Paycheck, Budgeting Tips, Save Money, Financial Stability, Simple Budget, Budgeting For Beginners, Dream Big, Financial Freedom, Home Finances, Women And Money, Money Mindset, Money Tips, Money Saving Tips, Financial Peace, Money Stress, Debt Payoff, Credit Card Debt, Debt Free, Debt Management, Financial Wellness, Debt Payoff Plan, Working Mom Life, Debt Free Living, Debt Consolidation, Debt Repayment Plan, Debt Free Goals, Working Mom Money, Financial Anxiety, Financial Peace, Stewardsheip, Debt, Savings, Debt Solutions, Debt Relief

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FINANCIAL PLANNING for Working Moms II Budgeting, Debt, Save Money, Financial Stability, Savings, Stewardship

FINANCIAL PLANNING for Working Moms II Budgeting, Debt, Save Money, Financial Stability, Savings, Stewardship episodes

About FINANCIAL PLANNING for Working Moms II Budgeting, Debt, Save Money, Financial Stability, Savings, Stewardship