SIMPLE MONEY SYSTEMS for Special Needs Mom II Save Money, Budgeting, Debt, Financial Plan, Wealth, Down’s Syndrome

152 II Struggling With Overspending? 3 Simple Budgeting Tips to Stay on Track (Step by Step)

In this episode, Diana Galas shares three simple, mindset-shifting budgeting tips designed for busy moms who feel overwhelmed, stressed, or boxed in by traditional budgeting. Instead of rigid categories, she introduces a dream-first approach to money, daily clarity check-ins rooted in gratitude, and a powerful reframe of spending as investing in your life and family. This episode is perfect for moms living paycheck-to-paycheck, managing debt, or craving financial peace and confidence—especially those carrying extra caregiving responsibilities. Learn how to create a simple money system that supports your dreams, reduces money stress, and builds real-life wealth with clarity and intention.
Sign up for the Simple Money Method workshop at dianagalas.com/workshop
Leave your voice message for Diana here: https://www.speakpipe.com/DianaGalas
💛 Happy listening!
NEXT STEPS:
1. Get instant access to a FREE 1-hour Simple Money Method training and start building a money system that actually works for your life: https://dianagalas.com/workshop
2. Apply for your FREE consultation to talk to Diana 1:1. Find out the exact path forward to feeling better and greatly increasing your chances of getting your finances back on track - and learn how money breakthrough coaching can get you there:  https://dianagalas.com/application3. Take a quick check to identify where your finances may be at risk: https://go.dianagalas.com/CashLeak4. Join the free Facebook support community for Special needs mothers: https://dianagalas.com/community
Client Reviews...
⭐⭐⭐⭐⭐
„I absolutely recommend Diana! I’m currently going through her course, and honestly, I’m a bit shocked at how my husband and I had been handling our finances. We grew up without credit cards—so we didn’t know better, and we ended up deep in debt. This course has been a game-changer. It’s opened my eyes and completely shifted the way I think about money. It’s not just about getting out of debt—it’s about learning how to stay out for good. I’m so grateful there’s finally practical guidance like this available, and I truly hope our kids won’t repeat the same financial mistakes we made.”
- Masha B.
⭐⭐⭐⭐⭐
„Great news! I just paid off $1,863 in debt — woo hoo!Thank you so much for your support. Your teaching was incredibly helpful, and I truly appreciate all the guidance you’ve given me. I couldn’t have done it without you!!”
- DeeAnn G.

151 II Sick of Credit Card Debt? Organize Finances to Stay Debt-Free Step by Step

Feeling sick of credit card debt and overwhelmed by money? In this episode, Diana shares her honest journey from fearing credit cards to organizing her finances with a simple 2-Line Budget that tracks only monthly bills and daily purchases. Learn how small daily habits create clarity, why debt doesn’t need drama, and how to stay debt-free with systems that fit real life—especially for moms with extra responsibilities.
Sign up for the weekly Savings Planner Here or send me an email to diana@dianagalas.com
Have questions for Diana? Leave your voice message here: https://www.speakpipe.com/DianaGalas
💛 Happy listening!
NEXT STEPS:
1. Get instant access to a FREE 1-hour Simple Money Method training and start building a money system that actually works for your life: https://dianagalas.com/workshop
2. Apply for your FREE consultation to talk to Diana 1:1. Find out the exact path forward to feeling better and greatly increasing your chances of getting your finances back on track - and learn how money breakthrough coaching can get you there:  https://dianagalas.com/application3. Take a quick check to identify where your finances may be at risk: https://go.dianagalas.com/CashLeak4. Join the free Facebook support community for Special needs mothers: https://go.dianagalas.com/fbgroup
Client Reviews...
⭐⭐⭐⭐⭐
„I absolutely recommend Diana! I’m currently going through her course, and honestly, I’m a bit shocked at how my husband and I had been handling our finances. We grew up without credit cards—so we didn’t know better, and we ended up deep in debt. This course has been a game-changer. It’s opened my eyes and completely shifted the way I think about money. It’s not just about getting out of debt—it’s about learning how to stay out for good. I’m so grateful there’s finally practical guidance like this available, and I truly hope our kids won’t repeat the same financial mistakes we made.”
- Masha B.
⭐⭐⭐⭐⭐
„Great news! I just paid off $1,863 in debt — woo hoo!Thank you so much for your support. Your teaching was incredibly helpful, and I truly appreciate all the guidance you’ve given me. I couldn’t have done it without you!!”
- DeeAnn G.
 

150 II Living Paycheck to Paycheck? Try This ONE Simple Budgeting Method to Save More Money

Feeling frustrated living paycheck to paycheck and wondering where your money keeps going? In this episode, Diana shares the one simple method that helped her stop chasing more income and start gaining clarity—without sacrificing family time or joy. She walks you through the Cash Leak Audit, a free 5–7 minute quiz designed to uncover hidden spending leaks in your monthly bills, daily expenses, emergencies, debt, and savings. This episode is a reminder that saving more money isn’t always about earning more—it’s about seeing clearly. Take the first step toward peace, progress, and an intentional financial life by completing the free Cash Leak Audit at dianagalas.com/cashleak
Have questions for Diana? Leave your voice message here: https://www.speakpipe.com/DianaGalas
💛 Happy listening!
NEXT STEPS:
1. Get instant access to a FREE 1-hour Simple Money Method training and start building a money system that actually works for your life: https://dianagalas.com/workshop
2. Apply for your FREE consultation to talk to Diana 1:1. Find out the exact path forward to feeling better and greatly increasing your chances of getting your finances back on track - and learn how money breakthrough coaching can get you there:  https://dianagalas.com/application3. Take a quick check to identify where your finances may be at risk: https://go.dianagalas.com/CashLeak4. Join the free Facebook support community for Special needs mothers: https://go.dianagalas.com/fbgroup
Client Reviews...
⭐⭐⭐⭐⭐
„I absolutely recommend Diana! I’m currently going through her course, and honestly, I’m a bit shocked at how my husband and I had been handling our finances. We grew up without credit cards—so we didn’t know better, and we ended up deep in debt. This course has been a game-changer. It’s opened my eyes and completely shifted the way I think about money. It’s not just about getting out of debt—it’s about learning how to stay out for good. I’m so grateful there’s finally practical guidance like this available, and I truly hope our kids won’t repeat the same financial mistakes we made.”
- Masha B.
⭐⭐⭐⭐⭐
„Great news! I just paid off $1,863 in debt — woo hoo!Thank you so much for your support. Your teaching was incredibly helpful, and I truly appreciate all the guidance you’ve given me. I couldn’t have done it without you!!”
- DeeAnn G.

149 II How to Make Finances Simple: 3-Step Simple Money Audit to Financial Peace

SHOW NOTES:
In this episode, I break down the 3-Step Simple Money Audit and show you how to finally understand the difference between your real needs, your value-add wants, and those no-value wants that quietly drain your energy and your bank account. I also walk you through the power of the 2-Line Budgeting System—the simple framework that brings peace, stability, and clarity to your monthly finances. We talk about why the word audit used to make me cringe from my accounting days, and how this new kind of audit is the complete opposite: it’s guilt-free, empowering, and designed to help you dream bigger than ever. You’ll learn why doing these audits periodically—especially before the new year, before big purchases, or as part of your long-term dream planning—can transform not just your money, but your confidence and your future. Tune in to step into more clarity, more alignment, and more freedom.
✔️ TAKE WEALTHY QUIZ: discover your financial strengths and growth areas https://dianagalas.com/wealthy-quiz 
Do you have a question for Diana? Leave your voice message here: https://www.speakpipe.com/DianaGalas
💛 Happy listening!
NEXT STEPS:
1. Get instant access to a FREE 1-hour Simple Money Method training and start building a money system that actually works for your life: https://dianagalas.com/workshop
2. Apply for your FREE consultation to talk to Diana 1:1. Find out the exact path forward to feeling better and greatly increasing your chances of getting your finances back on track - and learn how money breakthrough coaching can get you there:  https://dianagalas.com/application3. Take a quick check to identify where your finances may be at risk: https://go.dianagalas.com/CashLeak4. Join the free Facebook support community for Special needs mothers: https://go.dianagalas.com/fbgroup
Client Reviews...
⭐⭐⭐⭐⭐
„I absolutely recommend Diana! I’m currently going through her course, and honestly, I’m a bit shocked at how my husband and I had been handling our finances. We grew up without credit cards—so we didn’t know better, and we ended up deep in debt. This course has been a game-changer. It’s opened my eyes and completely shifted the way I think about money. It’s not just about getting out of debt—it’s about learning how to stay out for good. I’m so grateful there’s finally practical guidance like this available, and I truly hope our kids won’t repeat the same financial mistakes we made.”
- Masha B.
⭐⭐⭐⭐⭐
„Great news! I just paid off $1,863 in debt — woo hoo!Thank you so much for your support. Your teaching was incredibly helpful, and I truly appreciate all the guidance you’ve given me. I couldn’t have done it without you!!”
- DeeAnn G.

148 II How to Plan Financial Goals This Year (Step by Step): 4 Areas Every Mom with Down Syndrome Child Should Check First

SHOW NOTES:
In this episode, we begin the new year by slowing down and looking inward—at the four parts of you that shape how you live, decide, and manage money: your spiritual, emotional, physical, and intellectual well-being. Before planning goals or budgets, I invite you to dream again—boldly, freely, and without limits—and then gently turn those dreams into intentional goals using a paper planner and the 2-Line Budget. You’ll learn why caring for your 4 “I Am’s” brings clarity, calm, and confidence not only to your finances, but to your entire life. This episode is a loving reminder for busy, high-need life moms that when you are supported and aligned, everything else—including money—becomes lighter and more manageable.
💛 Happy listening!
NEXT STEPS:
1. Get instant access to a FREE 1-hour Simple Money Method training and start building a money system that actually works for your life: https://dianagalas.com/workshop
2. Apply for your FREE consultation to talk to Diana 1:1. Find out the exact path forward to feeling better and greatly increasing your chances of getting your finances back on track - and learn how money breakthrough coaching can get you there:  https://dianagalas.com/application3. Take a quick check to identify where your finances may be at risk: https://go.dianagalas.com/CashLeak4. Join the free Facebook support community for Special needs mothers: https://go.dianagalas.com/fbgroup
Client Reviews...
⭐⭐⭐⭐⭐
„I absolutely recommend Diana! I’m currently going through her course, and honestly, I’m a bit shocked at how my husband and I had been handling our finances. We grew up without credit cards—so we didn’t know better, and we ended up deep in debt. This course has been a game-changer. It’s opened my eyes and completely shifted the way I think about money. It’s not just about getting out of debt—it’s about learning how to stay out for good. I’m so grateful there’s finally practical guidance like this available, and I truly hope our kids won’t repeat the same financial mistakes we made.”
- Masha B.
⭐⭐⭐⭐⭐
„Great news! I just paid off $1,863 in debt — woo hoo!Thank you so much for your support. Your teaching was incredibly helpful, and I truly appreciate all the guidance you’ve given me. I couldn’t have done it without you!!”
- DeeAnn G.

147 II How the 2-Line Budget and My Daily Systems Built Best Year Yet with My Down Syndrome Child

SHOW NOTES:
Simple budgeting didn’t add more to my plate, it gave me peace in the middle of a full, demanding life. In this episode, I share how creating a gentle money rhythm through simple daily check-ins, weekly planning, and a flexible 2-line budget helped me move from financial noise to clarity, consistency, and confidence. From my Money Funnel that removed guilt and second-guessing, to my Morning Power Hour and nightly Honor Hour, you’ll hear how small, intentional habits transformed not just our finances, but our family life, marriage, and sense of purpose. If you’re a busy mom especially one navigating special needs parenting, this episode is an encouraging reminder that money can support your life instead of controlling it.
Mentioned episodes:
100 II 6 Steps to Organize Messy Money and Mindset with Debt-Free Budgeting Course
101 II How Debt-Free Budgeting Transformed Me Into a Better Mom, Wife, Professional, and Person
127 II How Simple Money Method Can Make Your Dream Come True With 2 Line Budget – Live Workshop with Diana Galas
💛 Happy listening!
NEXT STEPS:
1. Get instant access to a FREE 1-hour Simple Money Method training and start building a money system that actually works for your life: https://dianagalas.com/workshop
2. Apply for your FREE consultation to talk to Diana 1:1. Find out the exact path forward to feeling better and greatly increasing your chances of getting your finances back on track - and learn how money breakthrough coaching can get you there:  https://dianagalas.com/application3. Take a quick check to identify where your finances may be at risk: https://go.dianagalas.com/CashLeak4. Join the free Facebook support community for Special needs mothers: https://go.dianagalas.com/fbgroup
Client Reviews...
⭐⭐⭐⭐⭐
„I absolutely recommend Diana! I’m currently going through her course, and honestly, I’m a bit shocked at how my husband and I had been handling our finances. We grew up without credit cards—so we didn’t know better, and we ended up deep in debt. This course has been a game-changer. It’s opened my eyes and completely shifted the way I think about money. It’s not just about getting out of debt—it’s about learning how to stay out for good. I’m so grateful there’s finally practical guidance like this available, and I truly hope our kids won’t repeat the same financial mistakes we made.”
- Masha B.
⭐⭐⭐⭐⭐
„Great news! I just paid off $1,863 in debt — woo hoo!Thank you so much for your support. Your teaching was incredibly helpful, and I truly appreciate all the guidance you’ve given me. I couldn’t have done it without you!!”
- DeeAnn G.
 
 

146 II The Step-by-Step Guide to Saving Money and Paying Off Credit Card Debt FAST

SHOW NOTES:
In this episode, I break down The Simple System to Finally Pay Off Credit Card Debt Fast—a realistic, mom-friendly approach that cuts through overwhelm and gets straight to the steps that work. We explore why credit card debt is so common, how it silently affects your financial stability, and the exact three things you can do today to take back control: the One-Card Rule, a visual credit card list, and the 2-Line Budget that transforms your payoff plan into a true essential. By the end, you’ll understand your debt with clarity, feel empowered instead of embarrassed, and walk away with a simple, actionable system you can start right after this episode.
💛 Happy listening!
✔️ FREE MEAL PLAN WORKBOOK: download now at  https://dianagalas.com/mealplan
✔️ FREE "FIND YOUR MONEY METHOD" WORKSHOP: go to now at  https://dianagalas.com/workshop

145 II 3 Steps How to Afford Christmas Using the 2-Line Budget With Down Syndrome Child

SHOW NOTES:
In this episode, we dive into how to afford what matters this Christmas using the 2-Line Budget — especially for busy moms raising special-needs children. You’ll learn what’s really eating up your budget, why traditional systems fail families with high-needs schedules, and how to take control in just 10 minutes. I’ll walk you through my personal 2-Line Reset for the holiday season and share how this simple system helped me stabilize my finances, pay off debt, and create more joy in my life with my son. If you’re ready to step into clarity and financial peace, join our next round of the Debt-Free Budgeting Program https://dianagalas.com/course
💛 Happy listening!

144 II Simple Money Systems: 2-Line Budget That Finally Works for Families with Down Syndrome Child

SHOW NOTES:
In this episode of Simple Money Systems, we tackle the challenge of budgeting for busy families — the struggles, the frustrations, and the feeling that no system ever works for you. I share relatable stories of failed budgets, guide you step-by-step to review your bank statements, uncover the story behind your spending, and introduce the 2-line budget — a simple, practical approach designed to fit your life, not overwhelm it. You’ll discover how to take control of your finances, dream big, and finally implement a budgeting system that actually works, giving clarity, confidence, and a path toward financial freedom. Tune in for practical strategies, encouragement, and actionable steps to make your money work for you, not against you.
💛 Happy listening!
Links & Resources:
✔️ DEBT-FREE BUDGETING PROGRAM: apply for 12-week coaching program at https://dianagalas.com/course
✔️ NEWSLETTER: join Simple Money Systems weekly news https://dianagalas.com/newsletter

143 II How Marbles and Gems Taught Me the Secret to Wealth: 3 Steps to Build a Confident Money Mindset

SHOW NOTES:
Ever feel like chasing money or shiny things doesn’t bring joy? In this episode, I share a personal childhood story about marbles and gems that stole my peace of mind and blocked my ability to grow wealth — and how it taught me a lesson about clarity, confident steps, and intentional money choices. I break down 3 simple steps to create a wealth mindset that anyone can start today, even if you feel like you don’t have what it takes. Tune in to learn how to focus on what matters, align your spending with your goals, and take confident action toward financial freedom and legacy-building.
💛 Happy listening!
Links & Resources:
✔️ DEBT-FREE BUDGETING COURSE: apply for 6-week program at https://dianagalas.com/course
✔️ FREE MEAL PLAN WORKBOOK: download now at  https://dianagalas.com/mealplan
✔️ FREE PRIVATE COMMUNITY: become a member of a Simple Money Systems Facebook group 
✔️ NEWSLETTER: join Simple Money Systems weekly news https://dianagalas.com/newsletter
✔️ TAKE WEALTHY QUIZ: discover your financial strengths and growth areas https://dianagalas.com/wealthy-quiz 
👉 Leave for Diana your short voicemail with a question, note, or how this episode helped you: https://www.speakpipe.com/DianaGalas