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Episodes
Tuesday Apr 02, 2024
Tuesday Apr 02, 2024
Show Notes:
In this episode, I want to discuss steps on practical steps on how to build your cash flow systems so you can start paying your debt and staying out of it. Welcome to episode #32 on the Simple Money Systems podcast.
Create a Bill Pay System
Build your Family Purchasing System
Have in place a Grocery Shopping Planning System
Create a Debt Repayment System
Implement your systems!
Learn – www.dianagalas.com
Discover - schedule a Free Call right here https://calendly.com/dianagalas/coaching-call-booking
Connect - become an Insider here: https://simple-money-systems.ck.page/
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Episode #31 how to get ready to cash flow
Tuesday Mar 26, 2024
Tuesday Mar 26, 2024
Show Notes:
Welcome to Simple Money Systems podcast episode #31. Today I will be talking about the concept of cash flow. There's one common denominator to find that simple strategy for saving money that you can run with. Is there one? And I say yes. To simplify this often confusing money subject I have a simple money system that is custom built for you. Here are 5 tips on How to help you gain your cashback:
1. Evaluate, what value-adding or money-saving habit you need to add to your daily routine.
2. Create a credit card payoff system.
3. Pay a one-time fee for all your purchases big or small. Avoid any and all payment plans.
4. Don’t buy extended warranties on any electronics, cell phones, cars, household items, etcetera.
5. Decline merchant’s credit card offers.
Learn – www.dianagalas.com
Discover - schedule a Free Call right here https://calendly.com/dianagalas/coaching-call-booking
Connect - become an Insider here: https://simple-money-systems.ck.page/
Engage – join FB here: https://bit.ly/timeforfacebook or search for Simple Money Systems Facebook Group
Wednesday Mar 20, 2024
Wednesday Mar 20, 2024
Show Notes:
Welcome to episode #30 where I discussed the topic of why it is so hard to stick to your Budget and how to be consistent with your spending plan. Are you ready to learn and get back to the money management basics that you enjoy? I am glad to help you! Click the links below to learn, discover, connect, and engage.
Learn – www.dianagalas.com
Discover - schedule a Free Call right here https://calendly.com/dianagalas/coaching-call-booking
Connect - become an Insider here: https://simple-money-systems.ck.page/
Engage – join FB here: https://bit.ly/timeforfacebook or search for Simple Money Systems Facebook Group
Episode #7: https://podcasts.apple.com/us/podcast/7-ii-5-steps-on-how-to-create-basic-budget-to-enjoy/id1700442353?i=1000636457601
Friday Mar 15, 2024
Friday Mar 15, 2024
Show Notes:
You are the Mom of special abilities with a special calling that puts you in a place where you serve not only your child but also others. Just imagine when your voice is heard, and your talents are put to work to make not just your life much lighter, easier, more fun, and enjoyable but also the life of your child, your family, and people all around the world today and right now. Would you like to hear more topics on special needs trust? Drop your comments in our Facebook community at the Show Notes link right below this episode or feel free to email me at diana@dianagalas.com
Remember, now your child is on disability and you are the special mama – both of you designers of your beautiful lives with limitless opportunities, with confident debt-free business-making opportunities.
Learn – www.dianagalas.com
Discover - schedule a Free Call right here https://calendly.com/dianagalas/coaching-call-booking
Connect - become an Insider here: https://simple-money-systems.ck.page/
Engage – join FB here: https://bit.ly/timeforfacebook or search for Simple Money Systems Facebook Group
Tuesday Mar 12, 2024
Tuesday Mar 12, 2024
Show Notes:
Welcome to the Simple Money Systems podcast, where simple is more and more simple. I am so happy you joined me! In this episode, I will be discussing a hot topic about how to break through the spending cycle and how to gain confidence and peace of mind when it comes to your daily finances.
The first thing you need to know is what is coming in. I mean what we think about, what we allow ourselves to listen, to look at, with whom we associate, and even how we were raised and what beliefs we still keep that isn’t working. This will identify how much money is coming into your budget and also the way this money is coming.
The next important point to get you out of the spending wheel is to know your needs.
And the most important and the most fun point is to know your dreams.
Learn – www.dianagalas.com
Discover - schedule a Free Call right here https://calendly.com/dianagalas/coaching-call-booking
Connect - become an Insider here: https://simple-money-systems.ck.page/
Engage – join FB here: https://bit.ly/timeforfacebook or search for Simple Money Systems Facebook Group
Tuesday Mar 05, 2024
Tuesday Mar 05, 2024
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.
Learn – www.dianagalas.com
Discover - schedule a Free Call right here https://calendly.com/dianagalas/coaching-call-booking
Connect - become an Insider here: https://simple-money-systems.ck.page/
Engage – join FB here: https://bit.ly/timeforfacebook or search for Simple Money Systems Facebook Group
Friday Mar 01, 2024
Friday Mar 01, 2024
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.
Learn – www.dianagalas.com
Discover - schedule a Free Call right here https://calendly.com/dianagalas/coaching-call-booking
Connect - become an Insider here: https://simple-money-systems.ck.page/
Engage – join FB here: https://bit.ly/timeforfacebook or search for Simple Money Systems Facebook Group
Tuesday Feb 27, 2024
Tuesday Feb 27, 2024
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.
Learn – www.dianagalas.com
Discover - schedule a Free Call right here https://calendly.com/dianagalas/coaching-call-booking
Connect - become an Insider here: https://simple-money-systems.ck.page/
Engage – join FB here: https://bit.ly/timeforfacebook or search for Simple Money Systems Facebook Group
Wednesday Feb 21, 2024
Wednesday Feb 21, 2024
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.
Learn – www.dianagalas.com
Discover - schedule a Free Call right here https://calendly.com/dianagalas/coaching-call-booking
Connect - become an Insider here: https://simple-money-systems.ck.page/
Engage – join FB here: https://bit.ly/timeforfacebook or search for Simple Money Systems Facebook Group
Tuesday Feb 13, 2024
Tuesday Feb 13, 2024
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.
Learn – www.dianagalas.com
Connect - become an Insider here: https://simple-money-systems.ck.page/
Engage – join FB here: https://bit.ly/timeforfacebook or search for Simple Money Systems Facebook Group