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
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
Tuesday Nov 21, 2023
Tuesday Nov 21, 2023
Show Notes:
In this episode, you will find practical solutions to help you right away in any season of your life.
Start your day the night before. Revisit your calendar, reflect on your day, put it on paper - get it out of your head, go to bed on time
Take care of your spirit, mind, and body. Rise one hour earlier than anybody else in your household. Meditate and plan your day. Start exercising – walk at least 10,000 steps each day. Drink plenty of water. Eliminate sugar and white flour from your diet. Listen to uplifting music, audiobooks, and podcast.
Invest in financial virtues such as home money management, and personal finance. Continuous learning and staying informed are crucial aspects of your financial well-being.
Define your priorities and goals, be strategic - this will help to guide you in the decision-making process
Assess, Adjust, and Adopt. Revisit your strategies on a weekly, monthly, and yearly basis by adapting to changes in the economic landscape. Remain open to new opportunities.
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
Saturday Nov 18, 2023
Saturday Nov 18, 2023
Show Notes:
First and foremost, eliminate extra stress from your Thanksgiving day by taking care of your finances in advance. Create a budget, plan your expenses, and prioritize your spending. Create a Thanksgiving meal plan and have your shopping list ready! This proactive approach allows you to enjoy the festive season without the added worry of financial stress. Take the time to set realistic expectations, concentrate on what’s important to you and your family, explore cost-effective options, and focus on meaningful experiences. By managing your finances thoughtfully, you can savor Thanksgiving moments with a sense of ease and joy. Make your money be a blessing and let the Thanksgiving week start on the right note!
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
Thursday Nov 16, 2023
Thursday Nov 16, 2023
Show Notes:
Operate with only two accounts: one is your checking account and the other one is your credit card account.
Setting a credit limit to your budgeted expenses will ensure you stay within your limits. It’s important to make sure your budget cash flows after paying off the credit card.
Have Monthly Credit Card revamp time. Go and free up your money flow for life above abilities where your dreams become your reality!
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
Monday Nov 13, 2023
Monday Nov 13, 2023
Show Notes:
Non-essential expenses include costs that contribute to comfort, entertainment, or luxury rather than meeting basic needs. These are discretionary expenses that can be adjusted based on personal preferences and financial priorities.
Set aside about 1 hour of your and your hubby’s time on a monthly basis, preferably during the weekend. Print your last month's bank statement, get your magic notepad with a pan, find a quiet place with minimal distractions, get your hubby on your side, and let the fun begin! Talk to your husband and discuss your essential needs and priorities together. Prayerfully consider the next steps toward your financial freedom on what non-essential expenses you can agree to cut down.
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
Saturday Oct 28, 2023
Saturday Oct 28, 2023
Show Notes:
In this episode, I share 8 tips on planning family parties and events to enjoy and to keep your bank intact. A family is to cherish and to celebrate. With Thanksgiving, Christmas, and New Year quickly approaching, I would like you to enter into the Holiday season with a grateful heart, joyful spirit, and sound mind, ready to give and receive. Let’s walk through it in 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
Tuesday Oct 24, 2023
Tuesday Oct 24, 2023
Show Notes:
This episode is about my journey and how I met my special needs son. Being an immigrant with no financial concept of the American dream, and having a child on disability I was able to rise above my abilities to become a successful entrepreneur, business owner, and thriving mother of four grown-up children with my very first grandbaby on the way.
Here I share some of the moments that shaped me from being hopeless, lost, and confused to a life of contentment, fulfillment, and gratitude. From being broke, poor, and needy to a life of contentment, success, prosperity, and financial freedom.
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