Some of us have always been in the role of managing our family's finances, but other times a transition in job or relationship or family structure can land you in this role for the first time in your adult life. Cortney comes on the podcast today to talk about becoming the family's budgeter after being married for 13 years. I'm excited for you to hear her story today as she shares all the things she learned about her family's money and managing the family budget.

To start budgeting by pay period today, get the best selling DFM Pay Period Budget Template + Mini Course for only $9. You'll receive four tutorial videos on setting up a budget by pay period, a worksheet to help you gather your numbers into one place, and the signature budget by pay period template with space to plan out your money, no matter what pay schedule you have or how many income streams you're working with.

Click here to get the Debt Free Mom Template + Mini Course for just $9!

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All this budgeting talk sounds great, but what if you're currently spending more than you make? You might be counting yourself out of this budgeting conversation because you know that each month your credit card debt is growing or your savings is shrinking, or both. This is for all the people who are consistently spending more than they make - you are not the only one!

This might not be something people are willing to say online or share with those closest to them, but I want you to know that you are not the only one spending more than you make. There are things we can do to correct it. 

Start your own pay period budget today! Visit debtfreemom.co/store to download the free budget template or purchase the $9 Mini Course + Template to get also some helpful explainer videos.

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Congratulations, you got a raise! Now, what are you going to do with it? Without a plan, these hard-earned dollars can disappear quickly making it feel like you never got a raise in the first place. Hayleah is thinking hard about this question as she's preparing her family's budget for a large raise. We talk about how to prevent lifestyle inflation, enjoy the extra room in the budget while still tackling goals, and how worriers can make the best budgeters.

A custom budget will give you the confidence and insight you need to take action on your money goals. Visit debtfreemom.co/custom to book your custom budget today. 

If you'd like to join Carly as a guest on a future episode and talk through a question about your home finances, fill out the application at dfmpodcast.com.

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How long in advance do you plan out your money? When you sit down to make a budget, are you still making a once a month budget? In this video, I'll share about not only budgeting by pay period, but budgeting by pay period farther in advance than 30 days. This is one of the keys to avoiding budget failure and creating meaningful progress toward your money goals!

If you're tired of the lack of progress in your home finances and feel like you're stuck, you might just need an outside perspective on your budget. Let the Debt Free Mom team build you a custom budget to get a crystal clear picture of where your money is going. Book your spot now at debtfreemom.co/custom

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Chasing after your next money goal can be so exciting and energizing, especially when you're starting to see progress. But when things start to get a little difficult, it can derail all the momentum you've built. Kate is early in her journey of pay period budgeting, but she started to hit a few roadblocks on the way to her goals. We talk about how to pace yourself when the finish line seems far away, avoiding burnout, and staying motivated when you have experienced setbacks.

Get the Debt Free Mom Pay Period Budget template and mini course for just $9.00 at debtfreemom.co/template.

Join Carly as a guest on the show to get answers to your money questions - dfmpodcast.com

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Oftentimes when I talk about budgeting by pay period, people count themselves out from budgeting by pay period simply because their household has more than one income stream. I'm here to tell you that it's even more important to map your finances out by pay period when you have multiple income streams.

In this mini episode, I'll share the reasons it's important to budget by pay period and some practical tips on how you can get started. Visit debtfreemom.co/template to download your free Pay Period Budget Template.

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Do you have an income that's variable and find yourself struggling to make a budget when you don't know how much your check will be? Stacie is a nurse with wildly varying paychecks. She wants to set up her budget and bank accounts for success, even when her pay fluctuates. If you also have unpredictable income, I'm glad you're here for my conversation with Stacie.

Get your money questions answered by joining Carly as a guest on the show! Visit dfmpodcast.com to fill out the guest application.

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Have you ever thought about how your pay schedule might affect your budget? Today on the very first mini episode of the Debt Free Mom podcast, we're gonna dive into the four primary pay schedules, how they interact with a budget, and the disadvantages and advantages of each schedule. Being aware of how our pay schedule impacts our budget and our finances and our cash flow has a huge part in how confident we feel in both looking at our finances and planning ahead.

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There's something that happens when we're in the middle of working towards a big goal. We get so focused on what's right in front of us that we sometimes forget we actually have time to continue working on bigger goals later. As I talk with Kate today, she's focused on using her husband's three yearly bonuses to become debt-free and dream up what the future could look like. when they're able to use these bonuses as true extra, and I know you will get a lot from this conversation.

Get your Custom Budget from Debt Free Mom at debtfreemom.co/custom.

Join Carly as a guest on the show! Fill out the application with your money question at dfmpodcast.com

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When your income is seasonal and hard to plan for, building a budget might not seem possible. That's where Sydney was before starting to use the Debt Free Mom pay period budget template for her personal finances. Sydney admits that she's not a numbers person, but she's looking to grow in her budgeting skills while using those same money principles for her small business. We talk about the temptations of impulse, shopping, finding freedom in a budget instead of restriction, and creating a sustainable plan for her growing business. 

You can become a member of Pay Period Budget Academy at debtfreemom.co/pba, and use the code PODCAST for 20% off your membership.

To apply to be a guest on the show, visit www.dfmpodcast.com

 

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