SIMPLE MONEY SYSTEMS II Pay Off Debt, How to Budget, Down Syndrome, Personal Finance, Save Money, Budgeting, Budget Friendly, Manage Money, Financial Freedom

27 II How to Organize Bill Pay for Simple Spending Plan with Easy Budget Method

Show Notes:
Ok, let's organize and automate your bill pay! Have all your Bills available for one-time set-up only. I like to have paper copies with account numbers, mailing addresses, and telephone numbers for every payee. You may add payees to your bill pay as you go, but I prefer to have them all set up at one time for easier budgeting and money allocation. Enter all your bills one by one, and double-check all the details like account numbers and payee mailing address. And you are ready to make payments! Easy as that! In my simple budgeting coaching, I have a worksheet to help you organize your bill pay where you list all your payees with monthly amounts for easy money allocation and to budget specifically for Bill Pay. Now, you are ready to enter all your bills each with the amount and due date. Now you have a nice list with all upcoming bills to pay and with the available amount right in your online bill pay. So what happens when it's time for the bill to be paid? How the money are paid? Your bank actually does the job: when the bill's due date approaches a bank cuts a paper check, a real professionally looking paper check for you and delivers it to your payee, friends all free of charge! If you are already using online bill pay you can easily agree with me, it's amazing! And if you have bills that are the same amount every month then you can automate them, saving you some time. I recommend using online Bill Pay for all your checking account transactions and all others, I simply use a credit card. Only remember to add your credit card bill to your Bill Pay so every month you can pay off your credit card balance. With the Bill Pay system in place, you can check all your upcoming payments which makes it easy to see if you have enough money in your bank.
If you feel a little bit unsure, let me walk with you and help create a simple budget for your bill pay to ensure you have enough money to cover all your bills. We will come up with a strategy not only to get your bills paid on time but how to pay off your debt, one by one whether it's your outstanding credit card balances, your car loan, or if you like to create a special fund for a specific purpose. We will work on your goals list to ensure your dreams come true. I have easy worksheets to help you step by step with daily homework assignments. Just imagine watching your money work for you – with the simple budgeting tool that you will love.
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26 II 3 Easy Habits to Support Your Spending Plan, Stop Impulsive Buying to Boost Your Cash Flow with Easy Budget

Show Notes:
Friends, try training your brain to practice enough mentality. How much is it really required to live a healthy simple lifestyle? And remember simple is always more: more freedom, more space, more rest, more health, more peace, more happiness in your marriage and relationship with family, and more money in your pocket. Instead of buying more junk food buy less: organic, natural products. And friends, farm-fresh eggs and farm-fresh milk taste much better and our digestive system is created to work better with these products. They are more expensive but you simply eat them less because of so much nourishment that is enough in lesser portions. Ok, let's look into 3 habits you need to start to work on right now. I am recommending starting with one, mastering it for a few days then adding a second one, and then a third.
Plan and Do grocery shopping once a week, on the weekend. Have your weekly menu board in a visible location. Remember, money and gas are scarce, so learn to save these resources!
Do your closet audit – get rid of useless things! Shelve space costs you time, money, and energy. Get rid of all the clothes that you didn't wear in a year. Schedule on your paper calendar to work on one closet at a time, one day on a certain weekday. I enjoy it very much because I know how much pleasure I will have walking into a neat closet and not much thinking about what to wear.
Purge your cleaning supplies – get rid of all harmful chemicals, and keep vinegar, baking soda, and pure liquid. powdered soap for all your cleaning work.
Start with just one thing you are most connected with. Give yourself a few tries, and get yourself in the mood to do that one thing every day. Maybe just practice that new way of thinking every day. Write on a sticky note and put it next to your makeup mirror, set it to your desktop background, and put it on your fridge. Lead your day with confidence, peace of mind, and a grateful heart. Give yourself grace, adjust as you go, and stay consistent. Start small. Learn to take small simple steps.
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25 II How Much Your Self-Worth Image Is? 6 Steps To Your Net Value with Debt-Free Budgeting

Show Notes:
When my son Dave was born with Down Syndrome and being a new mother of a child with intellectual disability it affected my self-worth. Automatically, not even giving much thought or consideration I fell into a trap of a very low self-esteem. I immediately was thinking of how others would look at my son what hardships of cruel societal norms he will face and even more how I will handle all of this. Many other factors can easily throw us to the curb as "unworthy" unless we allow it. So, how to be worthy in an unworthy society? The thing is that our perception of social acceptance is already distorted when it is based on physical appearance or on what is called a low IQ factor. Your value is much more and it is immeasurable and does not fall into acceptable norms or beliefs but rather installed deep in your soul DNA not only live a life of joy, happiness, love, blessing, and forgiveness, but be that joy, be that happiness, be that love, blessing, forgiveness, and acceptance first to yourself and then others. When you freely give these gifts by being the ONE to yourself, to your family, your neighborhood, your church, your school, your co-workers, to your boss, your mom, dad, brother, or sister. And you can become the ONE today, right now, right here. See your state of joy is not externally influenced and you can't buy it with money or gold. It's rooted in your inner identity that is uniquely installed in us by a higher power, by our creator. Let's walk through 6 steps to help you find that self-worth that is more valuable than precious gems or any material possessions:
Create your daily Power Hour and Time for Gratitude. My power hour is early in the morning when I do short exercises and reflect on the scripture verse and prayer. This ignites my day, clears my thoughts, and provides all I need to meet the day's challenges, ups and downs, keeping my mind at peace. And I love my Time for Gratitude before bedtime. What a blessing to wrap up your day with a grateful heart.
Recognize the battle of your mind. The enemy of our souls constantly tries to distort our perception of self-worth. Combat negative thoughts with God's truths from Scripture. Have your praise and worship songs on, get your thanksgiving song to your King!
Train yourself to think what is true: be open to identifying your own biases, prejudices, and preconceptions that may influence your thinking. Focus on God's truth rather than negative self-perceptions. Remember that your identity is in Christ – redeemed from self-destruction, loved unconditionally, created with a calling on your life.
Always have faith. Know and believe who you truly are – the daughter of the King! And this is how you take yourself; not by your looks, talent, possessions, or even circumstances. Believe that God knows you, you are worthy of all stars in heaven, you are the apple of your heavenly father's eye, you are greatly cherished and loved, you are important and dear – you are that precious treasure worthy of being the daughter of the King!
Guard your words: renew your mind by listening and reading encouraging messages, audio bible, sermons, and books. Make a contract with yourself: only words of truth, wisdom, encouragement, and wholesome kindness and compassion to inspire and uplift yourself and others.
Surround yourself with people who demonstrate their self-worth based on invisible, inner treasures so you can share your journey of better understanding of self-worth and support each other.
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24 II Time is Money, 5 Tips on How to Simplify Your Day for Peace of Mind with Easy Budget

Show Notes:
I can relate to you my friend, whether you are a full-time mom or work outside your home, you can have peace of mind by simplifying your day by having some planning tips in place. Let's recap 5 of them. They are not coming in order and you can start from any that you struggle with the most.
#1. Have your evening strategy ready
#2. Plan your weekly menu
#3. Have your nightly time with yourself and your hubby
#4. Have your own personal power hour early in the morning
#5. Have a designated area for your homework
I am glad you joined today Simple Money Systems. You can implement these tips right now, don't wait for better times, change your daily life for the better now. I would love to hear from you about how these strategies helped you or maybe you have yours that help you that may help others. My goal is to simplify your life to save your precious time and hard-earned money.
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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.
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22 II Simple Money Systems is a Safe Place to Grow in Financial Freedom - Get Your Budget Done

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!
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21 II Strategies to Overcome the Overwhelm of Down Syndrome Diagnosis with 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 that link to start.
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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:
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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
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18 II 7 Budget Myths to Unlock Productive Money Management

Show Notes:
My friend, 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 helping 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 line by line by seeking help in overcoming one obstacle at a time. 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 tips of advice.  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!
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