SIMPLE MONEY SYSTEMS for Special Needs Mom II Credit Card Debt, Save Money Tips, How to Make Budget, Make Ends Meet, Shopping List
⭐⭐⭐⭐⭐ 5-STAR RATED Across Every Podcast Platform!
Are you tired of debt calling the shots, bills running your day, and groceries eating your paycheck? If you want to unleash your cash flow, a simple way to budget with no confusing spreadsheets, and finally feel in control of your money, that is exactly what this podcast is about.
I’m Diana — Financial Coach, Simple Money Systems Specialist, and a mom to a son with Down syndrome. I don’t teach from a quiet or perfect life. I teach from inside the mess: the responsibilities, the advocacy, the emotional load, the unpredictable days. Every strategy here is shaped and tested by real experience for real moms of special needs kiddos.
I built Simple Money Systems for moms raising children with special needs who carry emotional, mental, and financial responsibility every day. It’s designed to simplify money decisions, reduce pressure, and provide a clear structure - so finances stop adding to the load and start supporting the life you’re holding together. With these systems, your dreams can take shape, and you can build a future that reflects your goals.
Here you’ll get simple systems, real-life examples, mindset shifts, and weekly encouragement to help you:
💰 Stop living paycheck to paycheck and gain a predictable cash flow
💰 Pay off debt even when money feels tight
💰 Pursue your dreams and create a future that reflects your goals.
If you want peace over perfection, simple systems over stress, and progress that actually fits your life, this podcast is for you where being “good at math” isn’t required. Extra discipline won’t fix it. Another complicated budget isn’t the answer. What matters is a system that actually understands your life — and maybe a cup of coffee you didn’t reheat three times. Welcome to Simple Money Systems. Press “Play”.
NEXT STEP:
1. 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/application
Have questions?
Email me: diana@dianagalas.com
Listen on:
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 23, 2024
Tuesday Jan 23, 2024
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
Wednesday Jan 17, 2024
Wednesday Jan 17, 2024
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
Friday Jan 12, 2024
Friday Jan 12, 2024
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
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