SIMPLE MONEY SYSTEMS II How to Budget, Manage Money, Pay Off Debt, Save Money, Money Tips, Holistic Budget, Spending Plan, Down Syndrome Child, Special Needs Mom
Are you a full-time mom and/or caregiver drowning in debt? Do you feel overwhelmed by paying bills on time, daily grocery shopping, and constantly running low on gas? Are you missing out on your life, continuing to drown in debt? Do you wish you had the step-by-step guidance to attain your desired financial stability? Would you like to invest more and spend less? Are you ready to start living your dream with peace and confidence, and do things that bring you joy while caring for your loved one? Then you are in the right place. My mission is to help special needs moms like you take charge of your money with simple, clear systems - it’s time to show your money who’s in charge! In this podcast, you will find simple financial strategies that will free you from the debt keeping you up at night. You CAN gain confidence and control over your finances. Hi, I’m Diana, a special needs Mom, a wife, and a successful business owner with over 25 years of accounting experience. I tried to pay off my credit cards, car, student loans, and my mortgage. But the more money I earned, the deeper in debt I grew. I finally realized that if I were to find freedom in my finances, I needed a proven solution. So, using my accounting experience and years of research, trial and error, I created a plan that fit ME, a simple strategy that I could stick with, a lifestyle that made finances easy and fun. And now I am ready to share it with you! If you are ready for a step-by-step, simple, budget-based financial plan that is built for special needs moms in mind to get you out of debt, so that you can enjoy peace of mind, quality time with your kids, and more money in your pocket – this podcast is for you! Become an Insider: https://dianagalas.com/newsletter Connect on FB: https://bit.ly/timeforfacebook Work With Me: diana@dianagalas.com Check Debt-Free Budgeting Course: www.dianagalas.com
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Simple Money Systems
Simple Money Systems is the podcast created for moms by who carry extra responsibilities and big dreams—but crave simple, doable ways to run their homes and finances with confidence, clarity, and calm. Hosted by Diana Galas, a mom, coach, and believer in peace over pressure, this podcast teaches simple home money methods that help you step into your role as the Home CFO—without the guilt, burnout, or overwhelm. Every episode offers real-life tools, customizable strategies, and mindset support to help you:
- Manage your money with clarity and grace
- Tackle your next financial goal with confidence
- Build discipline without being demanding
- Care for yourself while caring for your family
- Create peace of mind in your daily routines
This is a nonjudgmental, friendly, and clear space where your efforts are honored, your growth is celebrated, and your systems work for your season of life—not against it. Whether you’re meal planning, folding laundry, or juggling five things at once—Simple Money Systems will meet you where you are and help you move forward
Episodes
Tuesday Jan 09, 2024
Tuesday Jan 09, 2024
Show Notes:
You need to take these 3 steps right now to start your budget work for you:
Track your daily expenses during your nightly routine time in one system like an Excel spreadsheet. Lit up candles, use an essential oils diffuser, and play soft music to establish a serene and peaceful atmosphere when you reflect on the day behind. Leave it there with a grateful heart, knowing that what you accomplished today is sufficient and you gave your best effort.
Get your weekend Money Squad Time established – review the week’s expenses and prep for the upcoming week.
Close your Month-end and not just books – clean your Apps and files, purge your email inbox, and file your statements. Then review the past month's finances and adjust your budget for the upcoming month.
Incorporate these habits into your life. Make your finances part of your daily, weekly, and monthly routines.
Links & Resources:
✔️ DEBT-FREE BUDGETING PROGRAM: apply for 6-week program at https://dianagalas.com/course
✔️ FREE CALL: book your Clarity Call Here
✔️ FREE CHAT: send me a quick text via IG messaging Click Here
✔️ 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
Wednesday Jan 03, 2024
Wednesday Jan 03, 2024
Show Notes:
Improving financial confidence is a gradual process that involves both practical actions and a positive mindset. By taking proactive steps and staying committed to your financial goals, you can build confidence in your ability to manage and improve your financial well-being. Remember, attracting money is often a result of a combination of practical financial habits, continuous learning, and a positive mindset. It's not about seeking quick fixes but rather adopting a holistic approach to financial well-being. Commitment and consistency will get you there!
Links & Resources:
✔️ DEBT-FREE BUDGETING PROGRAM: apply for 6-week program at https://dianagalas.com/course
✔️ FREE CHAT: send me a quick text via IG messaging Click Here
✔️ 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
Monday Dec 25, 2023
Monday Dec 25, 2023
Show Notes:
Improving financial confidence is a gradual process involving practical actions and a positive mindset. By taking proactive steps and staying committed to your financial goals, you can build confidence in your ability to manage and improve your financial well-being.
Take good care of yourself
Have a structured routine
Create an inviting desk area
Organize financial paperwork
Have a paper planner
Know your money in and out
Have a financial plan
Learn new habits
Seek financial counseling
Links & Resources:
✔️ DEBT-FREE BUDGETING PROGRAM: apply for 6-week program at https://dianagalas.com/course
✔️ FREE CALL: book your Clarity Call Here
✔️ FREE CHAT: send me a quick text via IG messaging Click Here
✔️ 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
Friday Dec 22, 2023
Friday Dec 22, 2023
Show Notes:
Today I would like to reflect on a very sacred topic about the most valuable treasure of a special child that once was born. You have your gem right in front of you. Take a closer look. Pick it up from the dirt, wash it, gently wrap it in a fine cloth, bring it to the sunlight, and get your magnifying glass out – you will see so many sparkles! Let it shine in you and through you! Let it be your blessing in disguise. Bring it to the others and those running with no stop missing on the most important, who are broke and lost. To those whose dreams were stolen with no hopes. Bring them a sense of a fresh start, new hope, and endless possibilities. Let them pause, and let them see the sunshine in the clouds. Let them know that their unfavorable circumstances will turn out to be even more beneficial and advantageous than they could ever imagine otherwise. Be that star in the darkest sky, let them find a way to the manger where the Child is born.
“We need to live, we have to live, we should live a life worth living for!” Diana Galas
Links & Resources:
✔️ DEBT-FREE BUDGETING PROGRAM: apply for 6-week program at https://dianagalas.com/course
✔️ FREE CALL: book your Clarity Call Here
✔️ FREE CHAT: send me a quick text via IG messaging Click Here
✔️ 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
Tuesday Dec 19, 2023
Tuesday Dec 19, 2023
Show Notes:
6 strategies on how to have more money
Create a Budget
Identify Essential vs. Non-Essential Expenses
Prioritize Basic Needs
Build an Emergency Fund
Save for Goals
Review and adjust
Links & Resources:
✔️ DEBT-FREE BUDGETING PROGRAM: apply for 6-week program at https://dianagalas.com/course
✔️ FREE CALL: book your Clarity Call Here
✔️ FREE CHAT: send me a quick text via IG messaging Click Here
✔️ 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
Wednesday Dec 13, 2023
Wednesday Dec 13, 2023
Show Notes
Success means personal fulfillment, happiness, and a sense of accomplishment. So, to experience such success I have created a roadmap so that by the end of the next year when you look back you will feel more accomplished and successful, right? See God placed us – human beings on this earth as the highest authority to rule over it, cultivate it, and care for it. Money is one of the main factors in how to do it effectively.
Financial success means achieving one's financial goals and the ability to meet personal or lifestyle needs without significant financial stress. It goes beyond the simple accumulation of wealth and can include various aspects such as financial stability, debt management, investment growth, budgeting skills, special needs planning, and financial freedom. Also, more detailed personal and financial goals can include homeownership, education, or starting a business.
Clearly identify short-term and long-term goals
Group your goals into categories
Categorize your goals based on their urgency and importance
Align priorities with your values
Evaluate the time and effort required for each task or goal
Balance short-term and long-term goals
Regularly assess and adjust your priorities
Learn to say no – understand your limits
Develop a plan to address your priorities systematically
Consult with trusted friends, coaches, or advisors to gain different perspectives on your priorities
Links & Resources:
✔️ DEBT-FREE BUDGETING PROGRAM: apply for 6-week program at https://dianagalas.com/course
✔️ FREE CALL: book your Clarity Call Here
✔️ FREE CHAT: send me a quick text via IG messaging Click Here
✔️ 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
Friday Dec 08, 2023
Friday Dec 08, 2023
Show Notes:
Episode 10: 3 Steps on How to Systemize Your Bill Pay – Use Online Bill Pay to Save Time and Money
Have your Bill Pay folder set up with two dividers: one labeled Bills to pay by Credit Card and the other one Bills to pay with online banking. Have the Bill Pay folder ready for your “Money Squad” time.
Establish your “Money Squad” time, preferably at the end of the day and during your nightly routine.
Enter bills to online banking bill pay as they come.
Listen to related topic: Episode 4
Links & Resources:
✔️ DEBT-FREE BUDGETING PROGRAM: apply for 6-week program at https://dianagalas.com/course
✔️ FREE CALL: book your Clarity Call Here
✔️ FREE CHAT: send me a quick text via IG messaging Click Here
✔️ 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
Sunday Dec 03, 2023
Sunday Dec 03, 2023
Show Notes:
Before going to a party plan your day in particular your meals. Be mindful and strategic. Eat a balanced meal before the party to curb excessive hunger.
Concentrate on connecting with people, talk more, laugh a lot, and take tons of pictures with as many people as you can. Photograph the food and the decorations – keep yourself busy other than consuming food.
Enjoy your party time by truly celebrating by mindful eating. Do not let special events and festivities interact with your health. And the balance is the key. Happy partying!
Links & Resources:
✔️ DEBT-FREE BUDGETING PROGRAM: apply for 6-week program at https://dianagalas.com/course
✔️ FREE CALL: book your Clarity Call Here
✔️ FREE CHAT: send me a quick text via IG messaging Click Here
✔️ 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
Tuesday Nov 28, 2023
Tuesday Nov 28, 2023
Show Notes:
Debt is a financial obligation or liability that arises when one party borrows money from another with the agreement to repay the borrowed amount, typically with interest, over a specified period. It can take various forms, including loans, credit card balances, mortgages, or any other arrangement where money is owed. Managing debt involves making scheduled payments to the creditor until the borrowed amount is fully repaid.
Paying off debt brings various benefits.
Financial Freedom
Reduced Stress
Enhanced Savings
Cost Savings
Enhanced Financial Security
Increased Borrowing Power
Peace of Mind
Ditching debt is a step toward achieving financial independence allowing you to have more control over your financial future. It adds a boost in financial confidence and a belief in one's ability to manage money effectively.
Links & Resources:
✔️ DEBT-FREE BUDGETING PROGRAM: apply for 6-week program at https://dianagalas.com/course
✔️ FREE CALL: book your Clarity Call Here
✔️ FREE CHAT: send me a quick text via IG messaging Click Here
✔️ 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
Friday Nov 24, 2023
Friday Nov 24, 2023
Show Notes:
A budget allows you to prioritize essential expenses over non-essential ones, helping you allocate funds to what matters most by providing a structured framework to allocate funds based on importance and necessity.
A budget reveals your current financial situation, enabling you to set realistic and achievable goals based on your income and expenses. Budgeting includes saving for emergencies and special needs by providing a financial safety net. Having an emergency fund can reduce the need for impulsive spending when unexpected expenses arise. A budget helps you create a structured plan for debt reduction by allocating more money toward debt repayment, reducing financial stress, and freeing up future income. It promotes mindful spending and encourages living within your means.
By providing structure and insights into your financial situation, a household budget serves as a powerful tool for managing money wisely fostering healthier spending habits.
Determine your monthly total income.
List monthly expenses.
After you list all your expenses break them down into categories such as housing, utilities, groceries, transportation, special needs, debt repayment, entertainment, and savings.
Assign a specific dollar amount to each expense category based on your past spending patterns or estimates.
Allocate a portion of your income for savings. This can include emergency funds, retirement savings, or other financial goals.
Periodically update your budget to reflect changes in income, expenses, or financial goals to ensure its continued relevance and effectiveness.
Links & Resources:
✔️ DEBT-FREE BUDGETING PROGRAM: apply for 6-week program at https://dianagalas.com/course
✔️ FREE CALL: book your Clarity Call Here
✔️ FREE CHAT: send me a quick text via IG messaging Click Here
✔️ 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