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

23 II Ditch Cash Envelopes, Learn Hybrid Budgeting Method Stress Free, Get Credit Card Work For You

Show Notes:
You probably heard about the cash envelopes budgeting method. This is when you designate one paper or plastic it doesn’t matter envelope to a specific budget category. There is nothing wrong with it but I find it extremely unpractical and inefficient. It is very unsafe to carry bags of money with you in the store when your hands are tied with many moving parts and when your kids are with you. Plus managing the envelopes themselves is another level of time and energy that makes this method time-consuming and ineffective. Let’s look at the hybrid budgeting method.
This is a combination of using your online checking account and your credit card. It takes you to devote about an hour of your time preferably on a weekend to get it going. It will require your daily attention for a few minutes to simply jot down your transactions for the day. A credit card is a convenient, secure tool that helps us with our daily lives, and every time you use it you earn cash back, not every credit card offers this though. This is the only credit card I recommend to have, no others just this one and only. Same with a checking account it's just another tool to help us to keep a close eye on what’s coming in and out. You might ask, why just not have a debit card and not even bother credit card?
I prefer working with credit card, my main reason is that it provides very good security over your account. Debit card does not, and secondly, many credit card banks pay you cash back, and thirdly, you can put a credit limit on your credit card. Why it is important to establish your credit card limit? Let’s look at it. Here I would like to make a disclosure. If you are a business owner, please make sure to separate your business bank account from your personal. Right now, I am talking only about regular personal checking and credit card accounts.
To establish your hybrid budget method:
List all checking bill pay transactions you pay monthly. Establish a three-month average for every bill. Total all the bills and designate this amount as your Bill Pay budget.
List all credit card transaction categories and establish the average of three months. Set the credit card limit to the established budget.
Have daily Money Squad time to record daily transactions analyzing for the next month. Get your Monthly Money Time to get your budget ready for the new month.
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 

22 II Simple Money Systems is a Practical Way to Grow in Financial Freedom - Create Simple Budget with Diana Galas

Show Notes:
Welcome back to the Simple Money Systems podcast! What a great time to catch up on some money talk. Maybe you already took several financial courses with other coaches that left you with to-do and not-to-do lists that you were not able to get your hands on to tackle leaving you even more confused and discouraged from paying off your debt. You are tired of figuring out your finances on your own just to end up with more overwhelm. Today I want to talk about how you can be confident in growing your financial freedom and how Simple Money systems can help you gain needed knowledge, guidance, and financial accountability. I know you’ve been swirling around stuck on how to gain control over your spending. You have basic ideas, you feel like well, you are way too multifaceted to sit down and look at your financials and you keep hitting this wall. Simple Budgeting is a four-week framework that takes you through 4 steps to get you on the financial track with your custom-built budget. You just going to simply go through this method and you going to get clarity, you going to know exactly how much money you are making and where your money is going. You are going to be able to create a spending plan. By week 3 you will know exactly what your budget is.  Maybe you just need a one-hour session with me to get you back on track. If you are so done wasting your time being confused about what spending or what debt to tackle first - a simple budget framework is your answer – it’s super affordable. You can start at $47. And as a bonus this time only for the first 5 candidates who booked a call with me, I offer free of charge all four coaching sessions building your Simple Budget Framework. You heard me right, I give away four weeks of 1 hour coaching a week to the first 5 candidates. My friend, you have nothing to lose but that life of uncertainty and those shackles of debt. Book a coaching call to chat about how working together could be the right fit. I am looking forward to hearing from you!
The main goal of my show and the Simple Budgeting coaching offer is to help you learn about your finances in simple, attainable steps. To show you a simple way how finances can become a fun part of your life. The Simple Money Systems is the place that is designed for you, so you know that you are part of the family and community of like-minded people.
When you join the Simple Money Systems Facebook community you will have access to knowledgebase and connect with other like-minded people. I am also answering questions there that you might very much benefit from. This is an organic group with a great source of accountability to help you through your financial journey.
You are so welcome to join my email insider team as well. Weekly I send emails with insights on the latest podcast topic that is practical with day-to-day experiences. I want you to concentrate on one thing today: meditate on what is the most important thing in your life and share your thoughts in our Facebook community.
If you need more detailed help with figuring out your finances I still have 5 spots available in my 1 hour debt-free budgeting coaching in the month of February. Sign up today because you are exceptional, above the crowd, with endless possibilities to dream and to live a victorious debt-free life with peace and confidence!
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 
 

21 II Strategies to Overcome the Overwhelm of Down Syndrome Diagnosis with Effective Budget in Place

Show Notes:
It is easy to lose balance when something unexpected shakes your base. It can be anything. How about you, my friend? What is your story? Do you have one? With me, it was my special child. Now, I feel a responsibility here to make sure you are ready for any kind of storm in your life small or big. Maybe you are going through right now. Have your special fund in place. It is called by others as an emergency fund but I rather like to call it a special fund. Please take an hour this weekend and look at your bank, and credit card statements. Find your outstanding loan balances and get to your bottom line – find out if your cash flow. And if you do it’s great! Allocate some amount specifically to build your special fund. You will thank yourself when the time comes. If you need help you are welcome to get in touch with me without any pressure or anything to buy from me, to help you start with your budget. Schedule a time to call me! Come and join my Facebook group where you can be heard and connected with other moms like you. Go to the show notes right here and click the link to start.
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 

20 II How to Increase Income Now - Ways to Make Money at Home by Having Simple Budget Ready

Show Notes:
You have your budgeting tools under your belt, you know the exact strategy to tackle your debt or to start smart investing. Friend, I urge you about the importance of having your budget in place! If you don’t have it please, right now, hit the stop button and schedule a phone call with me. You need to have your budget to start living with a solid knowledge of where your hard-earned money goes. Have your notebook, list some ideas with ways you can bring more money home, come up with a plan, get your budget up, and if you need help with it get in touch with me right below this episode in the Show Notes link right here. If you need to retouch your budget and have a question you are welcome to get into our Facebook group and let us know. Become an insider and receive weekly emails from me with notes of practical advice, get first-hand knowledge about upcoming offers or workshops – sign up right here:
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 

19 II Stuck With High-Interest Mortgage? Use easy budget to manage high-interest home loan to your advantage

Show Notes:
Welcome to episode 19! Are you stuck with a high-interest-rate home loan? Let’s get deep into how it can serve to your advantage. You might be wondering if it’s even safe to invest in your home like making extra principal payments. In general, housing is an essential need and always will remain in value. Just by looking at the historical housing market it always going up.  The home value may drop but eventually, it will pick up and rise. So it is a very safe investment.
Here is a recap of today's topic in what ways high interest rates can be useful.
It helps you to build your home equity
It provides tax interest write-offs
It prompts you to clean your credit history
It points you to invest in real estate
It teaches you about the real estate market
It urges you to develop a budgeting habit
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 

18 II 7 Budget Myths Blocking You from Productive Money Management

Show Notes:
What are your misconceptions about budgeting? How do you handle your finances? Have you found this information helpful in any way? I hope it stretched you, challenged you and helped you to grow in your financial journey. Write down on a piece of paper everything preventing you from getting to your budget. Whether it is a lack of knowledge and time, fear of facing your financial standing, unfortunate circumstances, maybe it’s a pang of guilt, procrastination, or anything else. Take this list and acknowledge it line by line by seeking help to overcome one obstacle at a time. Please do it now. Pray about a clear mind, about strength in your daily journey, working on a great mission with your exceptional child. Start your fearless budgeting by scheduling a free 10-15-minute discovery call with me to find out how you can jump-start your budget. Sign up for a free community membership with like-minded Moms just like you on Simple Money Systems Facebook Group. Become an insider and sign up for my weekly emails with encouragement and advice tips.  Contact me with any questions you might have. Home finances can be confusing but are so rewarding once you are on top of them. I would love to make it easier for you by hearing your thoughts and concerns. Take action now. If not now then it might be never – get your financial roadmap today!
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 

17 II Loose 15 Lbs in 30 Days on Budget Eating 5 Times a Day

Show Notes:
You can eat 5 times a day, cook once maybe twice a week, do grocery shopping once a week, and kiss your grocery receipt! How does it sound?
First, eat your breakfast. It must include lean proteins, some whole grains preferably cooked, and a load of fresh greens and veggies. Similar food ingredients for lunch. And for dinner same ingredients but grains. That’s it! How much simpler it can be? I also eat two snacks. Morning snuck between breakfast and lunch and afternoon snuck between Lunch and Dinner time. For my morning snack, I eat one fruit and for my afternoon snack, I take a closed fist of nuts. And friends, drink at least a gallon or 4 liters of water per day, please! One more very important advice: avoid consuming sugar in all shapes and forms at all costs.
I lost 15 pounds or 6.5 kilograms in 30 days by keeping this simple meal plan system. Use a grocery shopping list to keep your bank intact. Share your meal pictures and meal planning questions in FB private free group for accountability and support. Looking forward to hearing from you!
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 

16 II Why Your Budget Is Not Working - Do 3 Things Now

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 

15 II Money Making Mindset – 3 strategies for financial growth

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 
 

14 II 9 Steps to Reduce Stress and Improve Financial Confidence - Budget Ready

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