You paid off your credit card last month. This month it's back up to $2,000. Sound familiar? Paying off credit cards isn't the same thing as breaking up with them - and until you change your relationship with credit, you'll keep ending up right back where you started. In this episode, I'm breaking down why credit cards feel so helpful (until they become a trap), and the exact strategy to actually stop using them: a 4-week reset that includes a spending overhaul and decluttering your home to find extra money. If you're tired of the cycle, this episode will show you how to break it.

You'll learn:

• Why credit cards are designed to feel helpful (and why that's the problem)
• When credit cards go from convenient to trap
• Why you can't pay off debt while actively adding to it
• The 4-week credit card breakup plan (stop using, overhaul spending, declutter and sell)
• How to find money you didn't know you had
• What happens when you actually break up with credit cards (instead of just paying them off)

Get 9 Ways to Break Up With Your Credit Cards

www.katyalmstrom.com/9-ways

Book a free consultation call with Katy: calendly.com/almstromcoaching/moneywisechat

Apply for Moneywise : katyalmstrom.com/moneywise

Connect with Katy:

IG: www.instagram.com/katy_almstrom
FB Group: www.facebook.com/groups/debtpayoffforwomen

Your budget keeps failing - and it's not because you're bad with money. It's because you're trying to force your real life into a generic template that doesn't account for what's actually happening. With the holidays coming up (Thanksgiving, Christmas, birthdays, parties, travel), November and December need a PLAN, not a budget. In this episode, I'm walking you through how to create a spending plan based on your actual calendar, your household's real needs, and what matters to YOU - so you can stop feeling like a failure when life doesn't fit the template.

You'll learn:

• Why generic budgets set you up to fail (especially during the holidays)
• The difference between a budget and a spending plan
• How to plan for your actual life by looking at your calendar
• What to consider for November/December specifically (because these months are NOT normal)
• How to make intentional choices about what matters vs. what doesn't
• Why flexibility is key to a plan that actually works

Get 9 Ways to Break Up With Your Credit Cards

www.katyalmstrom.com/9-ways

Book a free consultation call with Katy: calendly.com/almstromcoaching/moneywisechat

Apply for Moneywise : katyalmstrom.com/moneywise

Connect with Katy:

IG: www.instagram.com/katy_almstrom
FB Group: www.facebook.com/groups/debtpayoffforwomen

You say health is a priority, but you feel guilty spending on a gym membership. You say your marriage matters, but there's no room in the budget for date night. Your money is telling a story about your priorities - and it might not match what you're saying out loud. In this episode, I'm breaking down the two ways we contradict ourselves with money: feeling guilty about spending on what matters, and spending on things that don't actually align with our values. If you're tired of the disconnect between what you say matters and where your money actually goes, this episode will help you get aligned.

You'll learn:

• Why guilt around "good" spending keeps you stuck
• How to see what your money ACTUALLY says you prioritize (not what you think it says)
• The difference between restriction and intentional spending
• One simple exercise to identify where you're contradicting yourself
• How to make aligned money choices that support your real priorities
• Why debt payoff fails when your spending contradicts your values

Get 9 Ways to Break Up With Your Credit Cards

www.katyalmstrom.com/9-ways

Book a free consultation call with Katy: calendly.com/almstromcoaching/moneywisechat

Apply for Moneywise : katyalmstrom.com/moneywise

Connect with Katy:

IG: www.instagram.com/katy_almstrom
FB Group: www.facebook.com/groups/debtpayoffforwomen

Haven't checked your bank balance in weeks (or months)? Feel that little flutter of anxiety every time you think about logging in? You're not broken, and you're not alone. In this episode, I'm diving into why we avoid our money - and more importantly, how to move from avoidance to awareness without shame or overwhelm. This is about the emotional side of money that nobody talks about but everyone struggles with.

You'll learn:

• Why money avoidance is actually a form of self-protection (not weakness)
• What financial avoidance is really costing you beyond just late fees
• The "just look" method that breaks the avoidance cycle
• How to move from shame to curiosity with your money
• Why checking daily actually reduces anxiety instead of increasing it
• The simple first step you can take this week (no action required, just awareness)

Get 9 Ways to Break Up With Your Credit Cards

www.katyalmstrom.com/9-ways

Book a free consultation call with Katy: calendly.com/almstromcoaching/moneywisechat

Apply for Moneywise : katyalmstrom.com/moneywise

Connect with Katy:

IG: www.instagram.com/katy_almstrom
FB Group: www.facebook.com/groups/debtpayoffforwomen

Making your minimum payments every month but your debt isn't going down? You're not alone, and you're not doing anything wrong. In this episode, I'm breaking down the real math behind why minimum payments keep you trapped - and the one shift that can cut years off your debt payoff timeline. Spoiler: even an extra $25 per month makes a massive difference. If you're tired of feeling like you're spinning your wheels with debt, this episode will show you exactly how to break the cycle.

You'll learn:

• Why minimum payments are mathematically designed to keep you in debt
• The shocking truth about how long it really takes to pay off debt with minimums
• How even $25 extra per month can save you thousands and cut years off your timeline
• Practical ways to find extra money without huge sacrifices
• Why momentum matters more than perfection when paying off debt

Get 9 Ways to Break Up With Your Credit Cards

www.katyalmstrom.com/9-ways

Book a free consultation call with Katy: calendly.com/almstromcoaching/moneywisechat

Apply for Moneywise : katyalmstrom.com/moneywise

Connect with Katy:

IG: www.instagram.com/katy_almstrom
FB Group: www.facebook.com/groups/debtpayoffforwomen

"I can't afford to get help with my money."

I hear this all the time, and I'm not going to try to convince you that you're wrong. Instead, let's have a real conversation about this decision - because sometimes "I can't afford it" is absolutely true, and sometimes it's the excuse that keeps you stuck.

In this episode, you'll discover:

• When you genuinely can't afford help (and why that's okay)
• What "I can't afford it" is actually code for (hint: it's often not about money)
• How to evaluate whether investing in money support makes sense for YOUR specific situation
• When staying stuck costs more than getting help

Plus, the real question isn't "can I afford this?" - it's "is this the right investment for me right now, given where I am and where I want to go?"

Ready to figure out your answer? Book a strategy call to talk about whether Moneywise is right for you. We start October 20th, and I have 3 spots left.

This isn't about convincing you to spend money you don't have. It's about helping you make the right decision for where you are and where you want to go.

Get 9 Ways to Break Up With Your Credit Cards

www.katyalmstrom.com/9-ways

Book a free consultation call with Katy: calendly.com/almstromcoaching/moneywisechat

Apply for Moneywise : katyalmstrom.com/moneywise

Connect with Katy:

IG: www.instagram.com/katy_almstrom
FB Group: www.facebook.com/groups/debtpayoffforwomen

How many times have you said "I'll get my money together next year"? If you're like most women, you've been saying some version of that for years - and every January, you start feeling behind before you even begin.

We have three months left in 2025. Three months to make real progress instead of waiting for some mythical "perfect time" in January that never comes.

In this episode, you'll discover:

• How to decide your December money story (not a budget - a story about how you want to feel about money on January 1st)
• Why picking ONE financial focus for the next three months creates more progress than trying to do everything at once
• The most important decision: are you doing this alone or getting support?

Plus, why the women who end 2025 feeling confident about money are the ones taking action right now, not waiting for January.

Ready to stop waiting and actually transform your relationship with money? Applications are open for Moneywise Mastermind starting October 20th. Book a strategy call to explore whether it's the right fit for you.

Get 9 Ways to Break Up With Your Credit Cards

www.katyalmstrom.com/9-ways

Book a free consultation call with Katy: calendly.com/almstromcoaching/moneywisechat

Apply for Moneywise : katyalmstrom.com/moneywise

Connect with Katy:

IG: www.instagram.com/katy_almstrom
FB Group: www.facebook.com/groups/debtpayoffforwomen

Episode Description:

The journey from money chaos to money confidence isn't a straight line - it happens in stages. And understanding exactly where you are can help you focus on what you actually need next.

Fresh off our 3-Day Money Reset Challenge, I'm sharing the 5 stages every woman moves through on her path to financial confidence:

You'll discover:

• Stage 1: Money Avoidance (and why looking is always better than not looking)
• Stage 2: Money Awareness (when you have information but don't know what to do with it)
• Stage 3: Money Management (systems that work most of the time but you still second-guess decisions)
• Stage 4: Money Confidence (frameworks that work automatically without guilt or stress)
• Stage 5: Money Mastery (using money strategically to build wealth and create impact)

Plus, why these stages aren't linear, why you can't skip the foundation-building that happens early on, and how to identify exactly where you are right now.

Most women get stuck between Stages 2 and 3. They manage their money okay but never feel truly secure about their financial choices.

What if 2025 was the year you moved to Stage 4?

Ready to move beyond money management to true money confidence? Applications are open NOW for the Moneywise Mastermind.

www.katyalmstrom.com/moneywise 

Get 9 Ways to Break Up With Your Credit Cards

www.katyalmstrom.com/9-ways

Book a free consultation call with Katy: calendly.com/almstromcoaching/moneywisechat

Apply for Moneywise : katyalmstrom.com/moneywise

Connect with Katy:

IG: www.instagram.com/katy_almstrom
FB Group: www.facebook.com/groups/debtpayoffforwomen

When was the last time you actually looked at where your money went last month? Not just glanced at your bank balance, but really examined where every dollar went and why?

Most of us are running on financial autopilot, making money decisions based on how we feel in the moment or what seems urgent. But we never step back to see the bigger picture.

If you're tired of wondering where your money goes every month, this episode is your wake-up call.

You'll discover:

• What a money reset actually is (and why it's not about shame or judgment)
• The Money Chaos Cycle that keeps smart women feeling broke despite good income
• Why the fear of looking at your money is always worse than actually looking
• What happens when you finally get real awareness of your spending patterns

Plus, I'm sharing details about my FREE 3-Day Money Reset Challenge starting September 23rd in The Debt Payoff for Women Community Facebook group.

Three days, pen and paper, and the kind of financial clarity that changes everything.

Ready to break the Money Chaos Cycle? Let's reset together.

Join the 3-Day Money Reset Challenge: Search "The Debt Payoff for Women Community" on Facebook and request to join!

Get 9 Ways to Break Up With Your Credit Cards

www.katyalmstrom.com/9-ways

Book a free consultation call with Katy: calendly.com/almstromcoaching/moneywisechat

Apply for Moneywise : katyalmstrom.com/moneywise

Connect with Katy:

IG: www.instagram.com/katy_almstrom
FB Group: www.facebook.com/groups/debtpayoffforwomen

You make decent money. Your friends might even think you're "doing well" financially. So why do you always feel broke?

If you're constantly wondering where your paycheck went, feeling stressed about money despite earning good income, or questioning why you can't seem to get ahead - this episode is for you.

I'm breaking down the three specific reasons why good income doesn't translate to feeling financially secure, and more importantly, I'm showing you the cycle that keeps you stuck (spoiler: it's not about willpower or being "bad with money").

You'll discover:

• Why checking your bank balance is the worst way to make spending decisions
• How "life expenses" mysteriously expand to eat your entire paycheck
• The Money Chaos Cycle that traps even high earners
• What a healthy money decision-making system actually looks like

Plus, I'm sharing details about my FREE 3-Day Money Reset Challenge happening September 23-25 in my Facebook group. If you've been avoiding looking at where your money really goes, this challenge will help you get clarity without the shame or overwhelm.

Ready to break the cycle? Let's dive in.

Get 9 Ways to Break Up With Your Credit Cards

www.katyalmstrom.com/9-ways

Book a free consultation call with Katy: calendly.com/almstromcoaching/moneywisechat

Apply for Moneywise : katyalmstrom.com/moneywise

Connect with Katy:

IG: www.instagram.com/katy_almstrom
FB Group: www.facebook.com/groups/debtpayoffforwomen