Did you miss this episode last year? It was one of the most downloaded episodes pf 2025 and I want YOU to hear it!

Episode Description:

The journey from money chaos to money confidence isn't a straight line - it happens in stages. And understanding exactly where you are can help you focus on what you actually need next.

Fresh off our 3-Day Money Reset Challenge, I'm sharing the 5 stages every woman moves through on her path to financial confidence:

You'll discover:

• Stage 1: Money Avoidance (and why looking is always better than not looking)
• Stage 2: Money Awareness (when you have information but don't know what to do with it)
• Stage 3: Money Management (systems that work most of the time but you still second-guess decisions)
• Stage 4: Money Confidence (frameworks that work automatically without guilt or stress)
• Stage 5: Money Mastery (using money strategically to build wealth and create impact)

Plus, why these stages aren't linear, why you can't skip the foundation-building that happens early on, and how to identify exactly where you are right now.

Most women get stuck between Stages 2 and 3. They manage their money okay but never feel truly secure about their financial choices.

What if 2025 was the year you moved to Stage 4?

Ready to move beyond money management to true money confidence?

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

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

Summer is almost here - which means camps, vacations, pool passes, weddings, and approximately seven thousand ice cream shop runs. If you're not careful, you'll hit September wondering why your credit card balance went up $2,000. In this episode, I'm walking you through how to plan for summer WITHOUT going into debt. We're brain dumping all the expenses, adding them up, figuring out what you can actually afford, and making choices NOW instead of scrambling later. Summer can be fun. You just need a plan.

You'll learn:

• Why summer spending sneaks up on you every single year
• How to brain dump and price out EVERYTHING summer might cost
• The difference between what summer could cost and what you can afford
• How to make choices now (not in July when you're already over budget)
• Why planning for "summer fun money" matters
• How to have a great summer without credit card debt

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

It's May. Spring cleaning mode is real. But you know what else needs a good spring cleaning? Your money. In this episode, I'm walking you through a financial spring cleaning checklist: canceling forgotten subscriptions, reviewing autopay bills, checking your sinking fund, and planning for summer. Plus, how to declutter your house AND make money doing it. Grab a coffee and let's clean up your money.

You'll learn:

• How to find (and cancel) subscriptions you forgot about
• Why you need to review your autopay bills right now
• What to do with your sinking fund as summer approaches
• How decluttering your house can put money back in your pocket
• Why planning June NOW saves you from summer money stress

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 5 - the final episode - of our 5-part series on breaking up with credit cards and paying off debt. Yes, debt payoff is slow. But it doesn't have to be miserable. In this episode, I'm talking about how to make debt payoff sustainable - including money in your plan for things you actually love, celebrating every win (not just the finish line), and trusting that your system is WORKING even when progress feels slow. This isn't about deprivation. It's about being intentional. And when you do it this way, you actually make it to debt-free.

You'll learn:

• Why slow doesn't mean miserable (and how to make debt payoff sustainable)
• How to include things you LOVE in your monthly plan and sinking fund
• Why celebrating small wins matters more than waiting for the big one
• How to know your plan is working even when the balance moves slowly
• The difference between restriction and intentional spending

This is Part 5 of 5. Go back and listen to Parts 1-4 if you haven't 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 4 of a 5-part series on breaking up with credit cards and paying off debt. You're going to have moments where you want to use your credit card again. The car breaks down. You forgot to plan for something. Your friends want to go out and you don't have the money. In this episode, I'm walking you through the most common obstacles and what to do when they hit - so you have options besides reaching for the card. This ties back to Episode 2's lesson: planning ahead and having a sinking fund removes most obstacles before you face them.

You'll learn:

• The most common moments when you'll be tempted to use your card (and what to do instead)
• How to handle unexpected expenses without credit cards
• What to do when social pressure makes you want to swipe
• Why planning your month ahead prevents most obstacles
• What to do if you use the card (just get back to not using it)

This is Part 4 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 3 of a 5-part series on breaking up with credit cards and paying off debt. You're not making extra debt payments yet - you're still building your sinking fund like we talked about in Episode 2. But you NEED a plan for when you're ready. In this episode, I'm walking you through how to list all your debts, pick your strategy (snowball vs avalanche), and create your debt payoff roadmap. So when your sinking fund is set and you're ready to attack debt, you know exactly which one you're focusing on and why.

You'll learn:

• Why you need a debt payoff plan even though you're not making extra payments yet
• How to pick your strategy: snowball (smallest first) vs avalanche (highest interest first)
• How to number your debts in order so you have a clear roadmap
• How the debt snowball actually works (minimums on everything except your target debt)
• When you'll actually start making extra payments (after your sinking fund is set)

This is Part 3 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 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