I want you to notice the first couple of things that come to your mind when I hear the words "frugal living." For some reason, these words tend to carry so much baggage. There are so many negative thoughts around the idea of living frugally. Today on the podcast we have Jen Smith, who is personal finance expert and the co host of Frugal Friends podcast. Since paying off $78,000 worth of debt, Jen has been on a mission to help people spend in alignment with their values. She joins the Debt Free Mom podcast to talk about how frugal is not an F word.

You can connect with Jen over at the Frugal Friends podcast:

@frugalfriendspodcast on Instagram 

[email protected]

www.frugalfriendspodcast.com

Get started with pay your 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.

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Join us for the FREE Know Your Numbers Challenge starting Sunday, January 7th. It's 5 days of email prompts to help you gather your real numbers and reflect on your approach to your finances this upcoming year.

Disclaimer: This episode was entirely recorded, edited, and uploaded by Carly while Kyle was sick in bed. This is not the norm. If anything seems off to our tried and true listeners, that would be why. Happy New Year, DFM Family!

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As we close out 2023 on the Debt Free Mom podcast, we are rebroadcasting one of my favorite conversations from this season with Paige Pritchard from Overcoming Overspending. When we aired her episode originally, we had an issue with pushing it out to some of our providers. And so we want to make sure that everybody gets a chance to listen to it because it's so important. Plus, before we replay the episode we have a brand new segment of Not Worth Your Money: Christmas Edition!

Get started with pay your 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.

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As parents, we can feel an immense amount of pressure to create memories & joy for our children at all times of year, but especially around the holidays. As we're in the thick of the holiday season between Thanksgiving and Christmas, we can feel that pressure mounting. Even when we're accomplishing everything on our to-do list, and no matter what we do, we can feel like it's not enough - like there's always one more thing that comes up that we're supposed with our kids.

In this episode, Kyle and I talk about how to create that joyful memories for our family without relying on a massive budget. We can find ways to fully enjoy the holidays, and it doesn't have to be a second rate experience if you need to spend less this year on the holidays. 

Get started with pay your 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.

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What kind of pots and pans does a chef use at home? What medicine does a doctor choose for their own cold? How does an accountant manage their personal budget? In today's episode, I sat down with Nicole, who is a certified public accountant, wife, mom, and the money manager of her household. She's here to tell her story of using YNAB for a few years, but consistently finding it lacking the options and information she was looking for in a budget.

Here's a link to the Planet Money episode about Costco that Carly and Kyle talked about: https://www.npr.org/sections/money/2015/09/25/443519599/episode-653-the-anti-store

Get started with pay your 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.

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Want to know one of the most common budget categories I see with a note that says, "I would love to add this someday!" when I'm building custom budgets? It's giving. Most people want to give to causes and organizations they love, but many struggle to fit it into their budget or think that the amount they can give won't matter. Today, I'm chatting with Nathan Hill from NextAfter about the impact you can make through giving regardless of the dollar amount.

You can find out more about what Nathan's doing with NextAfter at decodinggenerosity.com/

Learn how to confidently move from stuck to stable in your finances with the budget system that's build around your unique pay periods. Pay Period Budget Academy gives you everything that you need to grow your confidence, contentment, and your net worth. Join Pay Period Budget Academy today at debtfreemom.co/pba, and use the code PODCAST at checkout to get 20% off!

You should be a guest on the Debt Free Mom Podcast! Head over to dfmpodcast.com to fill out the guest application and talk with Carly about your money questions, triumphs, and insights.

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YNAB is one of the major players in the world of budgeting apps. For some people, it's features like requiring a plan for each dollar, spreading savings plans evenly over time into sinking funds, or syncing with your bank accounts and credit cards are very helpful. For others, like today's guest, Sarah, it can seem like a great idea, but fall short in execution. Today we'll talk about her shift from YNAB to pay period budgeting.

You can start pay period budgeting today with the best selling $9 Mini Course & Template. Get the signature Debt Free Mom spreadsheet budget template plus some quick lessons on how to get started. Start today at debtfreemom.co/template

If you'd like to be a guest on the show and ask Carly your money questions, fill out the application at dfmpodcast.com

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When two adults with two very different interests, priorities, and stressors come together to manage one budget, it can become contentious and not budgeting at all feels better. Today, my husband, Kyle, and I are going to share about how we each contribute to managing our family's finances in very different ways. Kyle has experience managing a business budget in his previous role as a nonprofit executive. We chat about the three kinds of financial reports every organization and household should understand.

Get started budgeting by pay period today with the best selling template and mini course from Debt Free Mom at debtfreemom.co/template

You can join Carly as a guest on the podcast by filling out the guest application at dfmpodcast.com

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There was big news in the personal finance world this week as Mint budgeting software announced that they are closing as of January 2024 and rolling into their Credit Karma software. The data will not carry over and users have to download their information before the end of this year. I sat down with Alissa Henry and recorded this podcast episode to talk about her experience moving from Mint to the Debt Free Mom pay period budget template. Alissa Henry is a mom, wife, and news anchor who started using the Debt Free Mom template a little over a year ago.  

Follow Alissa @alissahenrytv on Instagram and Facebook.

You can join Carly on the podcast to ask your money question or share your story of navigating a difficult financial issue. Just visit dfmpodcast.com and fill out the guest application.

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If you've been following me for the past four months, you know that we recently chose to sell our home and become renters. This was a confusing choice to many people, and I was told multiple times that we are now throwing our money away. Well, my family isn't the only one who is budgeting well, achieving our financial goals over time, and choosing to rent instead of own. Haley Brown-Woods from Price of Avocado Toast shares her story about also choosing to go from owning to renting. 

Check out the podcast that Haley and her husband Justin host, and find them on all your favorite social channels at @priceofavocadotoast

• Podcast: Price of Avocado Toast (https://priceofavocadotoast.com/podcast/)
• Instagram: https://www.instagram.com/priceofavocadotoast/
• X: https://twitter.com/PriceAvocado
• Tiktok: https://www.tiktok.com/@priceofavocadotoast
• Facebook: https://www.facebook.com/priceofavocadotoast
• YouTube: https://www.youtube.com/@priceofavocadotoast9115

 

Debt Free Mom Custom Budget

When it seems like there should be more left in your bank account, and your money seems too complicated to keep track of, the Debt Free Mom Custom Budget service takes the guesswork out of your next budget. Send us your real numbers and You’ll receive two versions of your pay period budget: the original so you can see how your money is currently flowing and a suggested budget with changes we recommend to prioritize your money goals. Sign up for your Custom Budget today at debtfreemom.co/custom

 

Join Carly on the Debt Free Mom Podcast

• If you have a money question you'd like Carly to answer,
• If you have a story of how you navigated unexpected expenses,

head over to https://dfmpodcast.com and fill out the guest application. We'd love to talk to you!

 

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