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!

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

The best way to connect with Katy online is in the Debt Payoff for Women Community!

www.facebook.com/groups/debtpayoffforwomen

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

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

The best way to connect with Katy online is in the Debt Payoff for Women Community!

www.facebook.com/groups/debtpayoffforwomen

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!

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

The best way to connect with Katy online is in the Debt Payoff for Women Community!

www.facebook.com/groups/debtpayoffforwomen

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.

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

The best way to connect with Katy online is in the Debt Payoff for Women Community!

www.facebook.com/groups/debtpayoffforwomen

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!

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

The best way to connect with Katy online is in the Debt Payoff for Women Community!

www.facebook.com/groups/debtpayoffforwomen

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”

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

The best way to connect with Katy online is in the Debt Payoff for Women Community!

www.facebook.com/groups/debtpayoffforwomen

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!

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

The best way to connect with Katy online is in the Debt Payoff for Women Community!

www.facebook.com/groups/debtpayoffforwomen

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. 

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

The best way to connect with Katy online is in the Debt Payoff for Women Community!

www.facebook.com/groups/debtpayoffforwomen

In this engaging episode of the Messy to Magnetic podcast, Katy welcomes Aslynn, a psych nurse practitioner with a unique perspective on neurodivergent challenges and money management. Join their candid conversation as Aslynn shares her journey juggling a successful career, motherhood, and financial obstacles. Discover how she transformed from DIY financial plans to adopting a powerful new mindset about debt and savings. With insights into overcoming financial guilt and the long-term vision needed for stability, this episode is a must-listen for anyone looking to flip their financial script and embrace a brighter future.

Aslynn is an AuDHD psychiatric nurse practitioner who works with neurodivergent clients to evaluate and treat mental health conditions as well as provide neuro-affirming diagnostic services to those who suspect they may be Autistic. She enjoys sharing research, personal anecdotes, and others' stories about autism and Autistic culture on her social media pages and is looking forward to launching a podcast, "Infodumps & Oversharing" in the near future. Financial coaching with Katy has been transformative for Aslynn and her family and she's excited to tell anyone who will listen: You CAN take control of your finances and it's okay to need support to learn how to do it.

Connect with Aslynn:
https://www.linkedin.com/in/aslynnnp/

https://www.facebook.com/aslynn.audhd/

https://www.tiktok.com/@infodumpsandoversharing

www.balancementalhealth.com

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

The best way to connect with Katy online is in the Debt Payoff for Women Community!

www.facebook.com/groups/debtpayoffforwomen

In this episode of "Messy to Magnetic," Katy and Janita delve into strategies for managing impulsive spending and setting boundaries. They highlight the importance of self-compassion and avoiding self-judgment. Both speakers stress the necessity for support and coaching across various life aspects, while also discussing Janita's entrepreneurship journey and the potential for future collaboration. Janita shares insights on how to connect with her through her website and Facebook groups, and notes plans to narrow her online presence in the future.

Katy underscores the significance of attracting the right clients to succeed in business, advising consumers to think thoughtfully about their purchases. Janita suggests strategies like tracking spending to remain accountable and adopting a CEO mindset to make objective decisions. Both hosts emphasize identifying triggers for impulsive behavior and practicing self-compassion. Katy mentions that financial challenges are common, reassuring listeners to accept themselves without judgment.

In their discussion on tools to tackle impulsive spending and ADHD-related challenges, Janita highlights the importance of recognizing and being aware of impulsive habits. She advises changing the inner monologue to seek help without using ADHD as an excuse to overspend, setting spending limits, and delaying purchases to break impulsive behaviors into manageable steps. Future episodes will address debt freedom and no-spend months to offer further financial guidance.

Katy believes that individuals with ADHD or impulsive spending habits can still achieve financial success by setting small goals and being aware of their financial activities. She introduces Janita as a business coach and strategist dedicated to helping entrepreneurs build sustainable online businesses. Janita, who navigates ADHD and money herself, runs the Business Mama's community and the ADHD Entrepreneurs Society. She explains that common client challenges include impulsivity in spending, fear of missing out (FOMO), and feeling judged or making excuses for their behaviors. These impulsive buying behaviors often lead to regret, creating a cycle of overspending and feeling stuck. Janita emphasizes the importance of taking a step back and thinking things through to avoid impulsive buying, focusing the conversation on how these challenges impact business and money management for individuals with ADHD.

Connect with Janita: 
https://www.facebook.com/groups/businessmamascommunity/?ref=share_group_link

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

The best way to connect with Katy online is in the Debt Payoff for Women Community!

www.facebook.com/groups/debtpayoffforwomen