This is Part 2 of a 5-part series on breaking up with credit cards and paying off debt. Here's the truth: if you throw all your extra money at debt without saving for things you KNOW are coming, you'll end up using the credit cards again. Camp registration. Car insurance. Christmas. These aren't emergencies - they're predictable expenses you're not planning for. In this episode, I'm breaking down why you need to build a sinking fund BEFORE aggressively paying off debt, and how to actually plan for the things you know are coming instead of acting surprised every time.

You'll learn:

• Why the debt payoff roller coaster keeps you stuck (it's not bad luck, it's lack of planning)
• The difference between emergencies and predictable expenses you're not planning for
• How to build a sinking fund for things you KNOW are coming
• How to look ahead 2-3 months and actually plan your spending
• Why this gets you debt-free faster than throwing everything at debt and using cards again

This is Part 2 of 5. Start with Part 1 if you haven't listened yet.

Get 9 Ways to Break Up With Your Credit Cards

www.katyalmstrom.com/9-ways

Book a free consultation call with Katy: calendly.com/almstromcoaching/moneywisechat

The best way to connect with Katy online is in the Debt Payoff for Women Community!

www.facebook.com/groups/debtpayoffforwomen

This is Part 1 of a 4-part series on breaking up with credit cards and starting your debt payoff journey. The first 30 days after you decide to stop using credit cards are the hardest - your brain is breaking a habit and life doesn't stop just because you made a decision. In this episode, I'm giving you the actual tactics to make it through that first month without swiping your card. Not theory. Not 'just stop' advice. Real strategies that work when life gets expensive and temptation hits.

You'll learn:

• Why the first 30 days are the hardest (and what's actually happening in your brain)
• How to create physical and digital distance between you and your cards
• The small buffer you need in checking to avoid panic-swiping
• How to plan for your specific temptation moments before they happen

This is Part 1 of 4. Listen to the whole series starting here.

Get 9 Ways to Break Up With Your Credit Cards

www.katyalmstrom.com/9-ways

Book a free consultation call with Katy: calendly.com/almstromcoaching/moneywisechat

The best way to connect with Katy online is in the Debt Payoff for Women Community!

www.facebook.com/groups/debtpayoffforwomen

If you set multiple money goals in January, you're probably either off track or overwhelmed by now. Here's the truth: you don't need ten money goals for 2026. You need ONE. In this episode, I'm breaking down the one money goal that actually matters - and it's not what you think. This goal is simpler, more sustainable, and more powerful than any specific number you could aim for.

You'll learn:

• Why having too many money goals keeps you stuck
• The one goal that actually creates lasting change (and why it works better than specific number goals)
• How to build momentum that compounds throughout the year

Get 9 Ways to Break Up With Your Credit Cards

www.katyalmstrom.com/9-ways

Book a free consultation call with Katy: calendly.com/almstromcoaching/moneywisechat

The best way to connect with Katy online is in the Debt Payoff for Women Community!

www.facebook.com/groups/debtpayoffforwomen