Messy to Magnetic: A Money Coaching Podcast

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 trapWhy you can't pay off debt while actively adding to itThe 4-week credit card breakup plan (stop using, overhaul spending, declutter and sell)How to find money you didn't know you hadWhat 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_almstromFB 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 planHow to plan for your actual life by looking at your calendarWhat to consider for November/December specifically (because these months are NOT normal)How to make intentional choices about what matters vs. what doesn'tWhy flexibility is key to a plan that actually worksGet 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_almstromFB 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 stuckHow to see what your money ACTUALLY says you prioritize (not what you think it says)The difference between restriction and intentional spendingOne simple exercise to identify where you're contradicting yourselfHow to make aligned money choices that support your real prioritiesWhy debt payoff fails when your spending contradicts your valuesGet 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_almstromFB 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 feesThe "just look" method that breaks the avoidance cycleHow to move from shame to curiosity with your moneyWhy checking daily actually reduces anxiety instead of increasing itThe 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_almstromFB 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 debtThe shocking truth about how long it really takes to pay off debt with minimumsHow even $25 extra per month can save you thousands and cut years off your timelinePractical ways to find extra money without huge sacrificesWhy momentum matters more than perfection when paying off debtGet 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_almstromFB 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 situationWhen staying stuck costs more than getting helpPlus, 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.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_almstromFB 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 onceThe 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.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_almstromFB 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 Join the 3-Day Money Reset Challenge here: https://www.katyalmstrom.com/challenge Connect with Katy: IG: www.instagram.com/katy_almstromFB 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 incomeWhy the fear of looking at your money is always worse than actually lookingWhat happens when you finally get real awareness of your spending patternsPlus, 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!Join the 3-Day Money Reset Challenge here: https://www.katyalmstrom.com/challenge Connect with Katy: IG: www.instagram.com/katy_almstromFB 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 decisionsHow "life expenses" mysteriously expand to eat your entire paycheckThe Money Chaos Cycle that traps even high earnersWhat a healthy money decision-making system actually looks likePlus, 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.Join the Moneywise Mastermind Waitlist here: https://www.katyalmstrom.com/mm-waitlist Connect with Katy: IG: www.instagram.com/katy_almstromFB Group: www.facebook.com/groups/debtpayoffforwomen

"I can't afford it." If you catch yourself saying this phrase a lot, you're accidentally keeping yourself stuck in scarcity thinking. For years, I said this constantly while simultaneously putting things on credit cards anyway. The problem isn't your bank account - it's the language that makes you feel powerless. In this episode, I'm sharing what to say instead.You'll learn:Why "I can't afford it" shuts down creative thinking and keeps you feeling like a victimThe choice-based language I use with my kids instead (that actually teaches them about money)How to find an affordable version of almost anything you wantThe reseller market secret that makes expensive items accessibleThe one question that changes everything about how you approach money decisionsWhy getting clear on your WHY often reveals you don't actually want the thingHow to reframe from limitation to empowerment in any money conversationStop letting this phrase make you feel powerless. You have more options than you think - it's time to start using language that reflects that truth.Join the Moneywise Mastermind Waitlist here: https://www.katyalmstrom.com/mm-waitlist Connect with Katy: IG: www.instagram.com/katy_almstromFB Group: www.facebook.com/groups/networthwoman

What if your money wasn't your enemy, but your teammate? Most of us have been conditioned to see money as something scary to fight or control, but this mindset keeps us stuck in anxiety and bad decisions. In this Money Mindset Minute, I'm sharing the simple shift that completely transformed how money feels in my life.You'll discover:Why treating money like a supportive friend changes everythingThe mindset shift that turns spending guilt into spending joyHow I went from urges to spend everything to excitement about building wealthThe automation strategy that makes money decisions guilt-freeWhat to think instead when you look at your bank accountThe simple reframe that makes saving feel like teamwork, not deprivationThis isn't about talking to your money (though you could!). It's about partnering with your money instead of fighting it. When you make this shift, every financial decision becomes easier.Join the Moneywise Mastermind Waitlist here: https://www.katyalmstrom.com/mm-waitlist Connect with Katy: IG: www.instagram.com/katy_almstromFB Group: www.facebook.com/groups/networthwoman

Summer doesn't have to be a budget buster, but most people fall into the same expensive traps every year. They start with good intentions, say yes to everything without a plan, and then avoid looking at their bank account until fall hits with back-to-school stress. Sound familiar? In this episode, I'm sharing our family's real approach to enjoying summer without going broke - and it's way simpler than you think.You'll learn:The year-long planning strategy that makes summer expenses feel manageableHow to create the "summer activities list" that keeps costs low and fun highWhy most summer magic is actually free (and how to lean into that)The scheduling trick that spreads out bigger expenses without the guiltHow to avoid the dangerous summer money avoidance spiralWhat to do right now if you're already feeling behindStop thinking you need to spend your way to a good summer. I'll show you how slowing down and being intentional creates better memories than any expensive activity ever could.Join the Moneywise Mastermind Waitlist here: https://www.katyalmstrom.com/mm-waitlist Connect with Katy: IG: www.instagram.com/katy_almstromFB Group: www.facebook.com/groups/networthwoman

Feeling stuck in the same money patterns you started 2025 with? Like you're going through the motions but not making real progress? You're not alone. This week I ran a special mid-year workshop for my Moneywise clients and waitlist members, and what happened was so powerful I had to bring it to the podcast.You'll learn:How to identify the hidden money pattern that's been secretly running your financial lifeThe December 2025 vision exercise that creates clarity instantlyWhy your money emotions matter more than your budgetThe ONE decision framework that bridges where you are to where you want to beHow to turn "inevitable" financial progress instead of hoping and wishingInstead of typical goal-setting that never sticks, this episode goes deep on rewriting the money stories that have been holding you back. If you've been spinning your wheels financially and want your second half of 2025 to feel completely different, this reset will show you exactly how to make it happen.Join the Moneywise Mastermind Waitlist here: https://www.katyalmstrom.com/mm-waitlist Connect with Katy: IG: www.instagram.com/katy_almstromFB Group: www.facebook.com/groups/networthwoman

Overwhelmed by budgeting apps and complicated money systems that never stick? You're not alone. In this episode, I'm sharing insights from my special mid-year workshop where my clients revealed what's actually working for them - and it's refreshingly simple.You'll learn:Why most money management systems fail (and it's not what you think)The two-part approach my clients swear by that requires zero appsHow to stay connected to your money without obsessive trackingWhy simple beats perfect every single timeThe 15-minute monthly habit that prevents money stressIf you've been struggling to find a sustainable approach to managing your money, this episode will be a breath of fresh air. No complicated spreadsheets, no daily maintenance, just practical strategies that work even when life gets messy.Join the Moneywise Mastermind Waitlist here: https://www.katyalmstrom.com/mm-waitlist Connect with Katy: IG: www.instagram.com/katy_almstromFB Group: www.facebook.com/groups/networthwoman

Stop waiting to feel 'good enough' with money to start making progress. In this reset, I'm sharing my light switch moment when I realized that financial responsibility isn't about perfect systems - it's about actual progress. If you've been organizing and tracking but still feeling trapped by debt, this episode will help you shift from perfection to momentum.Join the Moneywise Mastermind Waitlist here: https://www.katyalmstrom.com/mm-waitlist Connect with Katy: IG: www.instagram.com/katy_almstromFB Group: www.facebook.com/groups/networthwoman

"Just live on rice and beans until your debt is gone." Yeah, right. What if I told you that you can live richly RIGHT NOW while being financially responsible? In this episode, I'm sharing my personal spending hierarchy that lets me thrift for amazing finds, create a beautiful home, and prioritize what actually matters - all while staying on track financially. You'll discover: why I refuse to buy anything new (and love it that way), how to plan your spending around what creates real abundance, and the simple framework for making money decisions that align with your values. Stop waiting for "someday" to live the life you want.Join the Moneywise Mastermind Waitlist here: https://www.katyalmstrom.com/mm-waitlist Connect with Katy: IG: www.instagram.com/katy_almstromFB Group: www.facebook.com/groups/networthwoman

You pay off your debt, celebrate your success, and then BAM - your car needs repairs and you're right back to using credit cards. Sound familiar? There's one simple financial tool that prevents this cycle, but most people have never heard of it. I'm talking about sinking funds, and they're absolutely game-changing for staying debt-free. In this episode, you'll get the exact step-by-step process to set them up, including real numbers, simple systems, and how to make it work even when money is tight. Stop being surprised by 'unexpected' expenses that aren't really unexpected at all.Join the Moneywise Mastermind Waitlist here: https://www.katyalmstrom.com/mm-waitlist Connect with Katy: IG: www.instagram.com/katy_almstromFB Group: www.facebook.com/groups/networthwoman

Feeling stuck in your debt payoff journey? Like no matter how much you cut expenses, progress feels painfully slow? There's a strategy that can completely change your timeline - and it's not what most financial experts talk about. In this episode, I'm sharing the approach that helped me take control when debt felt overwhelming, plus how my clients are using this same strategy to cut years off their payoff plans. You'll discover how to leverage skills you already have, create flexibility that works with your busy life, and turn extra income into serious debt progress without burning yourself out. If you've been wondering whether there's a faster way to get debt-free that doesn't involve living on rice and beans, this episode is for you.Join the Moneywise Mastermind Waitlist here: https://www.katyalmstrom.com/mm-waitlist Connect with Katy: IG: www.instagram.com/katy_almstromFB Group: www.facebook.com/groups/networthwoman

You know that heart-racing panic when you're checking out at the store and the total keeps climbing? Or when you open your bank account and immediately want to close your laptop? I used to let those moments derail my entire day - until I discovered this ridiculously simple 60-second trick that completely stops money panic in its tracks. No breathing exercises, no complicated mantras, just two words that change everything.Join the Moneywise Mastermind Waitlist here: https://www.katyalmstrom.com/mm-waitlist Connect with Katy: IG: www.instagram.com/katy_almstromFB Group: www.facebook.com/groups/networthwoman

In this week's episode, I'm tackling those swirling questions about the economy that have been filling up my DMs lately.If you've been wondering whether you should change your debt payoff plan because of those scary headlines, or if you're feeling that knot in your stomach every time you hear about inflation - I've got you.I'm breaking down what all this economic noise actually means for your everyday money (spoiler: probably less than the news makes it seem), and sharing the simple 3-step framework I use with my clients to create clarity when everything feels uncertain.No complicated jargon, no panic-inducing predictions - just practical guidance for real life. Because sometimes the most powerful money move is creating clarity amid the chaos.Grab the free Economic Uncertainty Action Plan worksheet here to walk through these steps for your specific situation --> https://drive.google.com/file/d/1JM20wgh-Mp_sSYqWmrHVAcKTdRIU7Z9m/view?usp=drive_linkJoin the Done With Debt 30-Day Bootcamp https://www.katyalmstrom.com/donewithdebt Get your free copy of 9 Ways to Break Up With Your Credit Cards: https://www.katyalmstrom.com/9-ways Connect with Katy: IG: www.instagram.com/katy_almstromFB Group: www.facebook.com/groups/networthwoman

"I make good money, so why do I feel sick every time I look at my credit card balance?"⬆ This is the EXACT sentence I hear on repeat from my clients as a money coach. But here's the good news: That knot in your stomach when you check your accounts isn't because you're bad with money. It's likely that living a normal life somehow turned into a cycle of credit card dependency - but it doesn't have to stay that way.I've supported my clients to reduce thousands of dollars of credit card debt on repeat for the last seven years. And I've condensed everything I've learned into my 30-day proven system.Introducing the "Done With Debt 30-Day Bootcamp" - your complete guide to going from monthly payment panic to total financial confidence.Each morning for 30 days, you'll receive a short, powerful video with exactly what to do that day, plus practical tools that make implementation easy.Join the Done With Debt 30-Day Bootcamp https://www.katyalmstrom.com/donewithdebt Get your free copy of 9 Ways to Break Up With Your Credit Cards: https://www.katyalmstrom.com/9-ways Connect with Katy: IG: www.instagram.com/katy_almstromFB Group: www.facebook.com/groups/networthwoman

In this episode, I'm sharing why this year feels like such an important moment to finally tackle credit card debt. I open up about my own journey of paying off $20,000 during the 2008 recession and how those lessons are surprisingly relevant to what we're facing today.This isn't about spreadsheets or strict budgeting - it's about creating financial peace in your own life, regardless of what's happening in the broader economy. I'm sharing the exact freedom plan that not only worked for me during a recession but has now helped hundreds of my clients break free from debt too.If you've ever felt that pit in your stomach when checking your credit card statement or wondered why those minimum payments never seem to make a difference, this episode is for you. Join the Done With Debt 30-Day Bootcamp https://www.katyalmstrom.com/donewithdebt Get your free copy of 9 Ways to Break Up With Your Credit Cards: https://www.katyalmstrom.com/9-ways Connect with Katy: IG: www.instagram.com/katy_almstromFB Group: www.facebook.com/groups/networthwoman

Ever notice how that first warm spring day gives you energy for EVERYTHING? Suddenly you're cleaning closets, planning projects, and yes - maybe even feeling ready to face those credit card statements again. In this episode, I'm chatting about how to use that amazing spring motivation for your debt payoff journey without burning yourself out. I'll share what works and how to take simple steps to make the most of this renewed energy!Whether you've been avoiding your finances all winter or just need some fresh ideas, we'll talk about practical ways to channel this energy into debt freedom. And of course, I'll share a bit about my Done With Debt 30-Day Bootcamp starting April 1st - perfect timing for your financial fresh start! Use code BOOTCAMP20 to save $20 if you're ready to join us.Join the Done With Debt 30-Day Bootcamp https://www.katyalmstrom.com/bootcamp Get your free copy of 9 Ways to Break Up With Your Credit Cards: https://www.katyalmstrom.com/9-ways Connect with Katy: IG: www.instagram.com/katy_almstromFB Group: www.facebook.com/groups/networthwoman

Ever wake up to a credit card statement that made your stomach drop? We've all been there. In this episode, I'm talking about the very real reasons we sometimes end up deep in credit card debt—and no, it's not because you're bad with money or lack willpower.Medical bills, job loss, divorce, or just trying to keep food on the table in this economy... credit cards are often the life raft we grab when the financial waters get rough. I'll walk you through how to face your current situation without shame, create a clear picture of where you stand, and take those crucial first steps toward recovery.This isn't about judgment. It's about moving forward from wherever you are now. If you're feeling stuck in the credit card cycle, this episode is your permission slip to be kind to yourself while taking back control of your financial future.Get your free copy of 9 Ways to Break Up With Your Credit Cards: https://www.katyalmstrom.com/9-ways Connect with Katy: IG: www.instagram.com/katy_almstromFB Group: www.facebook.com/groups/networthwoman

Remember those "free" t-shirts for filling out credit card applications in college? Turns out they might be the most expensive clothing we ever owned. In this episode, we're tackling the uncomfortable truth about credit cards – they're not just financial tools, they're often the biggest obstacle to true debt freedom.Discover why credit cards create a cycle that keeps us stuck, the real psychological cost beyond interest rates, and what actually happens when you break up with them (spoiler: it's better than you think). We'll address those common fears about emergencies, credit scores, and travel, while showing you how life becomes clearer and more intentional without credit card dependency.Perfect for anyone who's tired of the minimum payment trap or feeling like they'll never get ahead. Plus, learn how to get your free guide "9 Ways to Break Up with Your Credit Cards" to start your journey to financial freedom today.Get your free copy of 9 Ways to Break Up With Your Credit Cards: https://www.katyalmstrom.com/9-ways Connect with Katy: IG: www.instagram.com/katy_almstromFB Group: www.facebook.com/groups/networthwoman

The First Step to Debt Freedom: Look at Your NumbersWant to know the real first step to debt freedom? It's not making a budget. It's not cutting up credit cards. It's something much simpler - and scarier: Actually looking at your numbers.If you've been avoiding your accounts, deleting bank notifications, or living in that constant state of "I hope this payment goes through," this episode is your permission slip to start fresh. Discover why the stories we tell ourselves about our numbers are almost always scarier than reality, and how simply looking at your accounts can transform your entire money relationship.Learn exactly how to take that first look in a way that feels safe and manageable, plus why awareness itself is your secret weapon in debt payoff. Perfect for anyone who's been avoiding their numbers or feeling overwhelmed about where to start.Plus: Get my free guide "9 Ways to Break Up with Your Credit Cards" to help you take the next step on your debt-free journey. Get your free copy of 9 Ways to Break Up With Your Credit Cards: https://www.katyalmstrom.com/9-ways Connect with Katy: IG: www.instagram.com/katy_almstromFB Group: www.facebook.com/groups/networthwoman

Ever notice how money is kind of like a child? Give it an inch, and it'll take a mile. Leave it unsupervised, and chaos follows. In this episode, we're talking about why your debt-free journey needs better boundaries - both with your money and in your relationships.Discover how to shift from constantly reacting to your money's "tantrums" to being confidently in charge. Learn the difference between spending time (and money) intentionally with people you love versus defaulting to spending out of habit. Plus, get practical strategies for becoming the boss of your money without stressing about being perfect.Perfect for anyone who's tired of their money running wild or feeling like social situations always lead to spending. It's time to take charge of your money relationship - and this episode shows you exactly how.Get your free copy of 9 Ways to Break Up With Your Credit Cards: https://www.katyalmstrom.com/9-ways Connect with Katy: IG: www.instagram.com/katy_almstromFB Group: www.facebook.com/groups/networthwoman

Want to know why spreading your extra money across all your debts is actually slowing down your progress? In this episode, we're busting the myth that you need to make massive changes to get massive results. Instead, discover how focusing your "small" actions strategically can create powerful momentum in your debt payoff journey.You'll learn why adding $10 extra to each debt feels like nothing's happening (and what to do instead), how to make your small steps actually count, and the simple-but-mighty strategy that turns modest actions into major progress. Perfect for anyone who's been waiting to "really get started" on their debt-free journey because they can't make huge payments yet.Plus: Get practical guidance on where to find that first bit of extra money and exactly how to use it for maximum impact. No extreme budgeting required – just smart strategy that works in real life.Get your free copy of 9 Ways to Break Up With Your Credit Cards: https://www.katyalmstrom.com/9-ways Connect with Katy: IG: www.instagram.com/katy_almstromFB Group: www.facebook.com/groups/networthwoman

Ever notice how emergencies never wait until you're "financially ready"? Your car doesn't care that you're finally making progress on your debt payoff journey. Your refrigerator doesn't check your savings account before it decides to stop working. And don't even get me started on those surprise vet bills or last-minute kid expenses that pop up exactly when you least expect them.Traditional financial advice tells us to "just save 3-6 months of expenses" (while paying off debt, building wealth, and probably discovering unicorns too). But what about real life? What about the space between zero savings and that perfect emergency fund?In this episode, we're talking about:Why traditional emergency fund advice often misses the mark (and what actually works)How to build savings while paying off debt (yes, it's possible!)Smart strategies for handling unexpected expenses without derailing your debt payoff journeyThe real cost difference between using savings vs. credit cardsCreating a realistic emergency fund plan that works in real lifeWhether you're just starting to save, rebuilding after an emergency, or trying to balance saving with debt payoff, this episode will show you exactly how to create a plan that works for your real life.Emergency expenses don't have to mean emergency stress. You can build financial security while paying off debt, handle unexpected costs without panic, and create a savings strategy that actually works - even if you're starting with just $20 per paycheck.Listen now to learn how to handle life's expensive surprises without derailing your debt payoff journey. Trust me - your future self (and your stress levels) will thank you.Get your free copy of 9 Ways to Break Up With Your Credit Cards: https://www.katyalmstrom.com/9-ways Connect with Katy: IG: www.instagram.com/katy_almstromFB Group: www.facebook.com/groups/networthwoman

Getting everyone into the car after basketball practice, dreading the inevitable 'What's for dinner?' question...We've all been there. Because let's be real - between coaching the team and running a business, something had to give. And dinner prep was usually that something.But that nightly takeout habit? It was costing us nearly $200 extra each week during basketball season.In today's episode of The Debt Payoff Podcast (Episode 143), I'm sharing:The difference between regular busy seasons and true emergenciesHow to create simple systems that prevent panic spendingA realistic approach to saving convenience for when you truly need itThe exact system we created for basketball season (and how you can adapt it)Because paying for convenience every day gets expensive fast - but having it as a backup plan for when life gets hard? That's priceless.Get your free copy of 9 Ways to Break Up With Your Credit Cards: https://www.katyalmstrom.com/9-ways Connect with Katy: IG: www.instagram.com/katy_almstromFB Group: www.facebook.com/groups/networthwoman

Join the Done With Debt 30-Day Bootcamp: https://moneywise.thrivecart.com/done-with-debt-bootcamp-copy-2/Free resource: 9 Ways to Break Up With Your Credit Cards:https://www.katyalmstrom.com/9-waysThose sneaky subscription charges are draining your account every month without you even realizing it. Feel like money disappears but can't figure out where it's going? This episode is for you.In this episode, you'll discover:The 30-minute strategy my clients use to find an average of $100 in monthly savingsWhy those "small" charges are more dangerous than the big expensesMy simple 3-question process for deciding what stays and what goesReal examples from clients who found hundreds in hidden chargesNo extreme budgeting required - just practical steps that get real results, fast. By the end of this episode, you'll know exactly how to find and fix the money leaks that are keeping you stuck in the credit card cycle.Get your free copy of 9 Ways to Break Up With Your Credit Cards: https://www.katyalmstrom.com/9-ways Connect with Katy: IG: www.instagram.com/katy_almstromFB Group: www.facebook.com/groups/networthwoman

Join the Done With Debt 30-Day Bootcamp today! We begin January 13th.https://moneywise.thrivecart.com/done-with-debt-bootcamp-copy-2/Transform your relationship with debt in 2025! If you're tired of restrictive budgets and unrealistic advice, this episode is your permission slip to do debt payoff differently. Discover how to create a plan that lets you save money, pay off debt, AND still enjoy your life (yes, really!). Learn the secrets to guilt-free spending while making progress, build your savings safety net, and create a payoff strategy uniquely designed for you. Plus, find out how to potentially save thousands in interest with proven negotiation tactics. Whether you've tried debt payoff before or you're just starting out, this episode shows you exactly how to make the next 30 days your breakthrough moment. Get ready to transform your debt story with strategies that actually work in real life!Get your free copy of 9 Ways to Break Up With Your Credit Cards: https://www.katyalmstrom.com/9-ways Connect with Katy: IG: www.instagram.com/katy_almstromFB Group: www.facebook.com/groups/networthwoman

Join the Done With Debt 30 Day Bootcamp: https://moneywise.thrivecart.com/done-with-debt-bootcamp-copy-2/Transform your debt payoff dreams into real-world success with Part 2 of our special planning series. Discover how to create a month-by-month roadmap that actually works with your life, including practical strategies for building sustainable habits, celebrating milestones, and adapting your plan as life happens. Learn exactly how to track your progress, refine your approach, and maintain momentum throughout 2025. Whether you've already listened to Part 1 or you're just joining us, this episode gives you the concrete steps needed to make 2025 the year you break free from credit card debt.Get your free copy of 9 Ways to Break Up With Your Credit Cards: https://www.katyalmstrom.com/9-ways Connect with Katy: IG: www.instagram.com/katy_almstromFB Group: www.facebook.com/groups/networthwoman

Join the Done With Debt 30-Day Bootcamp: https://moneywise.thrivecart.com/done-with-debt-bootcamp-copy-2/Want to make 2025 the year you finally break free from credit card debt? Skip the typical New Year's resolutions and discover how to create a debt payoff plan that actually works with your real life. In this first episode of a special two-part series, learn how to leverage your past experiences (even the ones you think were failures!), identify your natural money management rhythms, and build a personal success framework that sets you up for lasting results. Perfect for anyone who's tried budgeting and debt payoff before but struggled to make it stick. Join us next week for Part 2, where we'll transform these insights into your concrete month-by-month action plan for 2025.Get your free copy of 9 Ways to Break Up With Your Credit Cards: https://www.katyalmstrom.com/9-ways Connect with Katy: IG: www.instagram.com/katy_almstromFB Group: www.facebook.com/groups/networthwoman

Stop letting money worries keep you up at night! In this episode, discover three practical strategies to free yourself from the emotional weight of debt – without extreme budgeting or major lifestyle changes. Learn the Daily Peace Practice, master the Worry-to-Action Flip, and discover how to maintain meaningful relationships without spending money. Perfect timing for anyone wanting to start 2025 with more peace and confidence around money.Get your free copy of 9 Ways to Break Up With Your Credit Cards: https://www.katyalmstrom.com/9-ways Connect with Katy: IG: www.instagram.com/katy_almstromFB Group: www.facebook.com/groups/networthwoman

Join the Done With Debt Bootcamp now: https://moneywise.thrivecart.com/done-with-debt-bootcamp-copy-2/Ready to get real about your credit card debt? In this quick, practical episode of the Debt Payoff Podcast, we're looking at the only three numbers you actually need to know to start your debt freedom journey. No judgment, no complex spreadsheets - just clarity about where you're starting from. Whether you've been avoiding your statements or trying to tackle debt on your own, these numbers will help you understand exactly where you stand and what to do next. Perfect for anyone feeling overwhelmed by credit card debt and ready for real change.Get your free copy of 9 Ways to Break Up With Your Credit Cards: https://www.katyalmstrom.com/9-ways Connect with Katy: IG: www.instagram.com/katy_almstromFB Group: www.facebook.com/groups/networthwoman

Sign up for the Done with Debt 30-Day Bootcamp : Your Supported Path to Debt Freedom https://moneywise.thrivecart.com/done-with-debt-bootcamp-copy-2/Tired of being told to skip your morning coffee to get out of debt? This episode is for every woman who's feeling frustrated with credit card debt despite making good money and smart choices. We're talking about the real reason credit card balances keep growing (hint: it's not about your spending habits), and what actually works to create lasting financial change. Learn practical strategies for reducing interest rates, breaking the payoff-use-payoff cycle, and building confidence around money without giving up your daily joys.Perfect for: Women who want real solutions for credit card debt, financial wellness tips, money mindset transformation, debt payoff strategies, personal finance guidance, and practical money management advice. Whether you're dealing with debt stress, looking for financial freedom, seeking debt consolidation advice, or ready to transform your relationship with money, this episode offers hope and practical next steps.Get your free copy of 9 Ways to Break Up With Your Credit Cards: https://www.katyalmstrom.com/9-ways Connect with Katy: IG: www.instagram.com/katy_almstromFB Group: www.facebook.com/groups/networthwoman

Want to experience holiday magic without the January credit card hangover? In this episode, I'm sharing my best advice for navigating the holiday season while keeping your financial peace intact. From strategic planning tips to creative gift-giving alternatives, discover how to prioritize what truly matters without the stress of overspending. You'll learn: practical strategies for setting loving boundariesgetting resourceful with your celebrationsand giving yourself grace along the way. Whether you're aiming for a completely debt-free holiday or just want to reduce financial stress this season, this episode will help you create meaningful memories without the post-holiday money regrets.Get your free copy of 9 Ways to Break Up With Your Credit Cards: https://www.katyalmstrom.com/9-ways Connect with Katy: IG: www.instagram.com/katy_almstromFB Group: www.facebook.com/groups/networthwoman

Tired of Feeling Trapped by Credit Card Debt? Let's Get You on the Path to FreedomFriend, I know how it feels when that credit card bill arrives and your heart sinks. You log in, see the staggering balance, and instantly feel that familiar wave of anxiety and guilt. This morning, you had to decline grabbing coffee with a friend because you couldn't justify the $5 expense - it's moments like these that make the burden of debt feel crushing.But what if I told you there are simple, practical steps you can start taking today to break free? In this new podcast episode, you'll discover:Strategies my clients use to pay off debt consistently, even when life gets in the waySavvy ways to reduce your interest rates and get ahead of those pesky credit card feesA spending plan formula that helps you tackle debt without having to give up everything you enjoySimple savings tips to build a cushion for unexpected expensesNo extreme cutbacks or unrealistic sacrifices - just actionable tips you can implement right away to start seeing real progress. Say goodbye to the days of stress and restriction, and instead, imagine the relief, pride, and excitement of finally taking back control of your finances.Hit play now, and next week you could be texting your friend to meet up for that coffee guilt-free! Discover the 4 proven debt-busting secrets that can help you achieve the financial transformation you've been longing for.Get your free copy of 9 Ways to Break Up With Your Credit Cards: https://www.katyalmstrom.com/9-ways Connect with Katy: IG: www.instagram.com/katy_almstromFB Group: www.facebook.com/groups/networthwoman

Get your free copy of 9 Ways to Break Up With Your Credit Cards: https://www.katyalmstrom.com/9-ways Connect with Katy: IG: www.instagram.com/katy_almstromFB Group: www.facebook.com/groups/networthwoman

This week on the podcast I'm sharing the #1 Mistake SO many women are making with their credit cards. We're talking a mistake to the tune of thousands of dollars a year. Paying off your credit cards can feel daunting, especially when the monthly payments seem to keep creeping up and up over time. What gives?If you're tired of sending huge payments to your credit cards each month with seemingly NO change in your balance, you need to listen to this.You don't have to pay off your credit cards for the rest of your life, and I know it can feel that way. I was just like you, and it felt like Everest in front of me. Listen in and let's get you taking action on this big mistake.Get your free copy of 9 Ways to Break Up With Your Credit Cards: https://www.katyalmstrom.com/9-ways Connect with Katy: IG: www.instagram.com/katy_almstromFB Group: www.facebook.com/groups/networthwoman

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!Get your free copy of 9 Ways to Break Up With Your Credit Cards: https://www.katyalmstrom.com/9-ways Connect with Katy: IG: www.instagram.com/katy_almstromFB 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?!Get your free copy of 9 Ways to Break Up With Your Credit Cards: https://www.katyalmstrom.com/9-ways Connect with Katy: IG: www.instagram.com/katy_almstromFB 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 isthe reasons why I think it's a mistakeand what I recommend you use as a strategy insteadThe 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!The Moneywise Mastermind is now open for enrollment: Learn more and apply here:https://www.katyalmstrom.com/moneywise Connect with Katy: IG: www.instagram.com/katy_almstromFB Group: www.facebook.com/groups/networthwoman

Ready to join Moneywise? Send me a DM here: http://m.me/almstromfinancialcoachingOr learn more at https://www.katyalmstrom.com/moneywiseJoin Katy in this episode of Messy to Magnetic, where she dives deep into the transformative journey of financial freedom with the Moneywise program. Moneywise, a six-month group coaching program designed exclusively for women, aims to end the cycle of debt drama, break the chains of credit card dependency, and shift the momentum of your finances in your favor.In this episode, you'll get an inside look at how Moneywise kicks off with an engaging opening ceremony on October 8, packed with introduction and motivation. Discover how participants are added to a supportive Slack channel for accountability, daily coaching support, and exclusive direct messaging with Katy for personalized financial guidance.Learn about Podia, the resource-rich platform where participants access bite-sized money lessons, worksheets, and templates essential for crafting a bespoke personal spending plan and debt payoff strategy. Katy also discusses the importance of setting crystal-clear 90-day financial goals, with a focus on driving progress through personalized one-to-one calls and monthly office hours.If the roller coaster of debt, hovering savings accounts, and impulsive spending haunt your financial life, this episode is for you. Experience how the unique Moneywise program supports women in overcoming these challenges without shame or discomfort, enabling you to harness the power of financial growth and freedom.Don't miss out on this chance to transform your financial outlook. Tune in to hear how adopting the Moneywise method can set you on a path of magnetic money transformation.Keywords: Financial Freedom, Moneywise Program, Debt Relief, Credit Card Debt, Personal Spending Plan, Money Coaching, Financial Transformation, Women Entrepreneurs, Money Management, Debt Payoff Strategy, Financial Growth.The Moneywise Mastermind is now open for enrollment: Learn more and apply here:https://www.katyalmstrom.com/moneywise Connect with Katy: IG: www.instagram.com/katy_almstromFB Group: www.facebook.com/groups/networthwoman

In this enlightening episode of "Messy to Magnetic," host Katy Almstrom sits down with special guest Kailan to delve into her transformative journey towards financial freedom. As a money mentor and financial coach for women entrepreneurs, Katy orchestrates a candid conversation about tackling the messy topic of credit card debt and becoming financially magnetic.Kailan, one of the standout participants in the Moneywise Mastermind, shares in detail how she overcame her long standing struggles with credit card debt. She recounts her initial skepticism about investing in financial coaching, only to find it was one of the best decisions she ever made.Topics Covered:Kailan's initial fears and confusion about personal finance.The tailor-made strategies that helped her manage and reduce her credit card debt.How Money-Wise Mastermind provided a clear, personalized financial path.The emotional and psychological benefits of financial clarity and goal-setting.Practical tips for budgeting, saving for large expenses, and avoiding future debt.The importance of community and accountability in financial programs.Listeners will gain invaluable insights into how they too can transform their financial situations. Whether you're struggling with debt, unsure where to begin with personal finance, or looking for a community to support your financial journey, this episode offers actionable advice and hope for a prosperous future.Tune in and be inspired to turn your messy financial situation into a magnetic, successful life.Keywords:Financial FreedomCredit Card DebtMoney MentorFinancial CoachWomen EntrepreneursMoney-Wise MastermindDebt Payoff Journey#FinancialFreedom #CreditCardDebt #MoneyMentor #FinancialCoach #WomenEntrepreneurs #DebtPayoff #PersonalFinance #MoneyWiseMastermind #BudgetingTips #FinancialClarityThe Moneywise Mastermind is now open for enrollment: Learn more and apply here:https://www.katyalmstrom.com/moneywise Connect with Katy: IG: www.instagram.com/katy_almstromFB Group: www.facebook.com/groups/networthwoman

Doors to The Moneywise Mastermind are OPEN. Learn more and apply here: https://www.katyalmstrom.com/moneywise In this episode of Messy to Magnetic, host Katy Almstrom, a seasoned money mentor and financial coach for women entrepreneurs, delves into an inspiring topic that resonates with many: how her clients have collectively paid off over $1 million in debt. Drawing from over six years of coaching experience and her signature Moneywise program, Katy shares actionable insights and three key takeaways that have proven successful for her clients on their debt-free journeys.Listeners will discover the importance of perfect timing, strategic trade-offs, and maintaining an enthusiastic mindset while tackling debt. Katy also emphasizes how these elements work together to empower women, reduce financial stress, and build a secure financial future. Additionally, Katy invites those experiencing money-related challenges to join the Moneywise program, which offers accessible and result-driven financial coaching.Tune in to gain valuable tips on managing debt, improving financial habits, and setting yourself up for long-term success. Future you will thank you!Keywords: debt reduction, financial coaching, women entrepreneurs, money management, paying off debt, debt-free journey, financial empowerment, Moneywise program, Katy Armstrong, financial stress, money mentor, debt strategy, money tips, financial success, debt payoff strategies.Join the 3-Day Challenge "Break Up With Your Credit Cards"https://www.katyalmstrom.com/creditcards Connect with Katy: IG: www.instagram.com/katy_almstromFB 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 3-Day Challenge "Break Up With Your Credit Cards"https://www.katyalmstrom.com/creditcards Connect with Katy: IG: www.instagram.com/katy_almstromFB Group: www.facebook.com/groups/networthwoman

Join Katy September 11-13 for "Break Up With Your Credit Cards: A FREE 3-Day Challenge"Register here --> www.katyalmstrom.com/creditcardsWelcome to another episode of "Messy to Magnetic", hosted by Katt Almstrom, your dedicated money mentor and financial coach for women entrepreneurs. This episode, “Three Steps to Break Up With Your Credit Cards, delves into Katy's transformative three-step process for breaking up with credit cards and embarking on a sustainable debt-free journey.Katy emphasizes the critical steps to triage your financial situation, simplify and declutter your finances, and prepare for financial obstacles. These strategies are designed to help you end your unhealthy relationship with credit cards and focus on paying off your credit card debt. Whether you are grappling with unexpected expenses or struggling with your savings strategy, this episode provides actionable advice to navigate these challenges.Join Katy as she offers a sneak peek into her upcoming free three-day challenge, "Break Up with Your Credit Cards", happening from September 11 to 13. Engage with tools and strategies that have empowered Katy's clients to collectively pay off over a million dollars in debt since 2018.Tune in to this episode to transform your approach to credit card debt, boost your financial confidence, and establish a strong foundation for lasting debt freedom. Find more resources and details about the challenge at www.katyalmstrom.com/creditcards.Keywords: credit card debt, break up with credit cards, financial coach, money mentor, women entrepreneurs, financial obstacles, savings strategy, debt-free journey, credit card relationship, Katy Almstrong, Messy to Magnetic, financial confidence, financial advice, triage your finances, simplify finances, declutter finances.Join the 3-Day Challenge "Break Up With Your Credit Cards"https://www.katyalmstrom.com/creditcards Connect with Katy: IG: www.instagram.com/katy_almstromFB Group: www.facebook.com/groups/networthwoman

Join "Break Up With Your Credit Cards: A FREE 3-Day Challenge"https://www.katyalmstrom.com/creditcardsIn this compelling episode of Messy to Magnetic, your host Katy Almstrom shares her transformative journey of conquering $20,000 in credit card debt in under two years. Drawing from her personal experiences in early adulthood, Katy opens up about the financial stress caused by her unfiltered spending habits and low income. She vividly illustrates the pivotal moments that led to her financial turnaround, including the wake-up call from a loved one and the life-changing decision to pay off her debt.Listeners will gain insightful strategies on tackling debt, from boosting income with side jobs like nannying and personal training to reducing unnecessary spending and creating a focused plan of action. Katy emphasizes the importance of support and prioritizing essential expenses to manage financial burdens more effectively. This episode not only offers practical tips but also inspires a mindset shift towards financial freedom.Stay tuned until the end, where Katy introduces her upcoming "Break Up with Your Credit Cards" free three-day challenge starting September 11. This challenge aims to help you triage your debt situation, create a sustainable repayment roadmap, and navigate obstacles to maintain a debt-free status. Don't miss out on this opportunity to kickstart your journey to financial independence.Keywords: credit card debt, debt payoff, financial freedom, debt-free journey, money management, budgeting, personal finance, income boost, side jobs, reducing expenses, financial support, financial stress, spending habits, debt repayment strategies, debt management challenge, Katy Almstrom, Messy to Magnetic podcast.Join the 3-Day Challenge "Break Up With Your Credit Cards"https://www.katyalmstrom.com/creditcards Connect with Katy: IG: www.instagram.com/katy_almstromFB Group: www.facebook.com/groups/networthwoman