If you're trying to pay off debt without a spending plan, listen up.

There are SO many reasons a spending plan supports your debt pay off journey. 

The most important reason for me?

It keeps you from feeling restricted. 

You read that right. 

The spending plan makes it EASIER to spend money on things that make you happy.
On things that matter most.

NOT having a spending plan will make you feel restricted. 

If you’re stressed about paying off debt and you don’t know where your money is going, how will that latte EVER feel joyful and like a genuine treat? 

I can’t TELL you how badly I want that latte to stop feeling like a “guilty” pleasure. It should just be straight up pleasure!

And not just the latte. 

Your personal trainer. 

Or therapist. 

The hair appointment you’ve put off for too many months. 

Even your housecleaner.

A spending plan shows you exactly which of these go where. How they fit in the money puzzle.

Believe me, the money for those things is likely available, but it’s going somewhere else without your plan in place. 

This week on the podcast, I’m sharing more about what a spending plan does, how to create one, and WHY WHY WHY I am so persistent in you having one.

Listen in to the episode and let me know what YOU are excited to spend money on next month!

Join the Moneywise Mastermind Waitlist here: https://www.katyalmstrom.com/mm-waitlist

Connect with Katy:

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

This week’s episode is all about the 3 Types of Savings that Help My Clients Pay Off Debt.

Let’s be honest… when you think about paying off debt successfully, you’re likely not going to focus on savings.

And yet, your ability to save, I believe, is the KEY to sustainable debt freedom.

And savings is not just for “after debt” some elusive place out in the future somewhere. 

It’s for now. 

--> Savings now is insurance against new debt.

--> Savings now is a sigh of relief when the next unexpected expense pops up.

--> Savings now allows you to enjoy some of your hard earned money without guilt.

--> Savings now builds new muscles and reshapes your identity with money.

Listen to the episode to hear the 3 types of savings and how they can help YOU on your own unique debt free journey. 

Then let me know, which of these are you most excited about starting today?!

Join the Moneywise Mastermind Waitlist here: https://www.katyalmstrom.com/mm-waitlist

Connect with Katy:

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

When it comes to "mistakes women make while paying off debt," I could do a whole series. Today's episode looks at one mistake I see again and again that's disguised as "a good strategy" to help pay down debt. 

Intrigued? Listen in to the episode to hear: 

• what this mistake/strategy is
• the reasons why I think it's a mistake
• and what I recommend you use as a strategy instead

The strategies I teach my clients to pay off debt have helped them reach over one million dollars paid off over the past several years, and I'm thrilled I get to help you on your journey here as well. 

Want more free stuff from Katy? Send the words "DEBT FREEBIE" in a DM, and you'll get hooked up with something new coming soon!

Join the Moneywise Mastermind Waitlist here: https://www.katyalmstrom.com/mm-waitlist

Connect with Katy:

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

My signature program, The Moneywise Mastermind, helps women get a handle on their credit cards and gain momentum paying off debt once and for all. 

And it kicks off Monday! 

This is the fourth round running this mastermind, and it gets better and better as I work with my clients to determine how to create a program that’s totally supportive and has clear next steps. 

No one wants to join a group or 1:1 program, sign the contract and make the first payment, only to sit around for a week or more waiting for direction, a call schedule, or anything to answer the question: “NOW WHAT?”

So I thought I’d share exactly what the first week of Moneywise looks like beginning Monday next week!

Tune in for this week’s episode of Messy to Magnetic to hear more. 

Ready to join Moneywise?
Send me a DM here: http://m.me/almstromfinancialcoaching

Or learn more at https://www.katyalmstrom.com/moneywise

Join the Moneywise Mastermind Waitlist here: https://www.katyalmstrom.com/mm-waitlist

Connect with Katy:

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

I’m joined this week on the podcast by one of my incredible clients as she shares:

• The stress credit cards caused in her life
• Her skepticism working with a money coach
• Details of what helped her start to pay off debt
• What she recommends for others going on their debt free journey

If you’re working on paying off debt in 2024 [especially those pesky high interest credit cards!!] you don’t want to miss this. 

Listen in as someone in the trenches shares what works and how she’s experienced so much success paying off debt this year!

Join the Moneywise Mastermind Waitlist here: https://www.katyalmstrom.com/mm-waitlist

Connect with Katy:

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

I’ve helped hundreds of women on their debt free journeys and my clients have paid off over one million dollars in debt. 

That doesn’t mean the journey is always smooth sailing!

In this week’s episode of Messy to Magnetic, I’m sharing the 3 most common obstacles that I see come up for everyday women when they’re trying to stop using credit cards, pay off debt, and STAY out of debt. 

You’ll learn:

• Why focusing on debt alone is never the best solution
• What role savings can have on your journey
• How to avoid the off the wagon, back on the wagon tail-chasing pattern that so many women experience with debt

Listen in and let me know where you are on your journey! I’m offering debt strategy calls in September [free!] and would love to help you on your own unique journey.

Join the Moneywise Mastermind Waitlist here: https://www.katyalmstrom.com/mm-waitlist

Connect with Katy:

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

Welcome to the September 13 episode of Messy to Magnetic, hosted by money mentor and financial coach Katy Almstrom. This episode features the insightful and transformative Day 3 session of Katy's "Break Up With Your Credit Cards Challenge," streamed live in her Facebook group. In this enlightening episode, Katy delves deep into the debt-free journey, addressing the most common challenges women face when attempting to break up with credit cards and manage their financial obstacles.

Key takeaways include strategies for handling unexpected life events without resorting to credit cards, the importance of using savings wisely, and the power of maintaining consistency in your spending and saving habits. Katy also provides an in-depth overview of her life-changing Moneywise Mastermind program, designed to help women joyfully pay off their debt, create guilt-free spending plans, develop effective savings strategies, and achieve financial freedom without the constant stress of money worries.

Common Challenges in a Debt-Free Journey:

• Life Happens: Be prepared for unexpected expenses and be willing to pause debt repayment or savings temporarily instead of resorting to credit cards.
• Fear of Using Savings: Don't be afraid to dip into your savings for necessary expenses to avoid accruing more debt.
• Consistency: Maintaining new spending habits and sticking to a spending plan for at least 90 days is crucial for financial progress.

Listeners will gain valuable insights into creating a sustainable spending plan, understanding the nuances of saving while tackling debt, and reprogramming their money mindset for long-term success. Whether you're a woman entrepreneur or anyone looking to improve financial health, this episode is packed with practical advice and actionable steps to transform your relationship with money. Don’t miss out on this opportunity to turn your messy financial situations into magnetic financial success!

Join the Moneywise Mastermind Waitlist here: https://www.katyalmstrom.com/mm-waitlist

Connect with Katy:

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

Do you have a relationship with credit cards that feels unhealthy right now?

In this week’s episode of Messy to Magnetic, I’m sharing the three steps to break up with your credit cards starting today. 

The steps are:

1– Triage Your Situation:

Listen, sometimes your credit cards AREN’T the most important thing to focus on right now. Even when they feel like a lot. Taking the time to look at your situation as a whole and get clear on what needs to be attended to first with your money is critical.

2– Declutter and Simplify:

This may seem obvious, but most of the women that I start working with to clear credit card debt are STILL using their credit cards in random ways. There are unknown balances, unknown autopays set up, unknown expenses coming out. 

3– Prepare for Obstacles:

I’m guessing you fall under one of these two camps: you have ~$0 in savings, OR you are afraid to use your savings because you have no idea how you’ll save another dollar again. And anyhow, you know you shouldn’t touch your savings until a real emergency comes up. Here’s the thing: your ability to save and maturely USE your savings is insurance from staying in debt for the rest of your life, plain and simple. 

→ Tune in for more on these and details for how to start YOUR debt-free journey next week with me (Katy) in a brand new free challenge “Break Up With Your Credit Cards”

Join the Moneywise Mastermind Waitlist here: https://www.katyalmstrom.com/mm-waitlist

Connect with Katy:

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

I’m pretty freaking proud of the fact that my clients have paid off over one million dollars in debt since I started coaching women in early 2018. 

And the only reason I get to do this work is because I had to go through my own journey with credit cards, medical bills, and students loans first. 

Join me for this week’s episode of Messy to Magnetic where I share the behind the scenes details of my debt story. 

You’ll hear:

➡️ the details of how and why I got 35K+ in debt

➡️ the critical moments that got me started *actually* paying it off

➡️ and the specific things I did that made the process work. 

Ready for your own debt free journey? Stay tuned to the end of the episode for info on a FREE event where I’ll help you get started!

Join the Moneywise Mastermind Waitlist here: https://www.katyalmstrom.com/mm-waitlist

Connect with Katy:

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

Being debt-free doesn't necessarily mean not having any debt. It has far more to do with ending your reliance on debt.

At first read, that might not make much sense, but I can tell you: I’ve seen countless examples of women who’ve paid off all their credit cards just to turn around and create tens of thousands more in debt. And the cycle continues for YEARS.

When my clients learn how to live without unwanted debt PERMANENTLY, that’s when they feel free from debt. Even if they’re still paying off an old credit card balance. 

Want to hear more on this and how to start breaking up with your debt for good?

Listen to this week’s brand new episode of Messy to Magnetic. 

Join the Moneywise Mastermind Waitlist here: https://www.katyalmstrom.com/mm-waitlist

Connect with Katy:

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