Budgeting With Confidence | God-Led Budgeting, How to Stick to Your Budget for Moms, Save Money, Manage Money, Money Habits and Routines, Money Mindset

Hey Mama,   I know how difficult it can be to do the fun things  on one income. You want to be that mom who creates fun Christmas traditions and memories with your children that they and you remember for a lifetime, but you fear that they will cost too much for you to be able to afford. Let me stop you right there. You can create the best memories on a dime and I am going to show you how right now...

Hey Mama,    If you live in the United States, this week is Thanksgiving. It’s all about being grateful for what we have and blessing God for those things. However, the world we live in is all about selfishness, about how you as an individual are going to make it out in the end. A heart posture based on selfishness will never generate abundance. Instead you need to walk away from the world and lea...

Hey Mama!    A couple episodes ago I gave you a way to save some cash fast for Christmas. I gave you a no spend challenge and I got to thinking, if you are saving all of your extra cash for Christmas, (which if you want to learn more about that go check out episode 102) but if you are saving all of your extra cash, how are you supposed to host thanksgiving if you haven’t already saved for the holi...

Hey Mama,   Today we are going to be digging a little deeper into saving money. As a beginner the idea is simply to put money into your savings account each and every month. And while this is a great start it’s even more important to make sure each dollar has a job even in the savings account. That's why in this episode you are going to learn about sinking funds and how with their help you will al...

Hey Mama,    As we have just started the month of November I thought it would be a good time to introduce a no spend challenge. Whether you have been saving money all year long and are looking for a little cushion for the holidays or haven’t started saving at all, this is a great way to get some cash for both Thanksgiving and Christmas.    So grab your headphones, a festive drink and let’s dive in...

Hey Mama,    Consistency is a goal when it comes to being able to stick to your budget. It’s how you know that you will be able to do the same thing every time it comes to your budgeting, but did you know that there are different ways you can be consistent? Well that is what we are talking about today, the 3 money management systems to work on so that you can be more consistent with your budgeting...

Hey Mama,    It's time to strengthen your saving muscle, because you didn’t set goals only to watch yourself spend the money needed to reach those goals. You also want to be able to reach those goals in a timely manner, so if you are ready to stay on track with your savings and debt goals then this episode is for you! Today I am giving you 3 ways to reach those financial goals you so badly want to...

Hey Mama, have you ever looked at your budget and thought to yourself that something just feels off, but you go ahead and fill out your budget the exact same way you have been doing it and by the end of the paycycle you find that another budget bit the dust because you just couldn’t follow it.    This my friend is normal, and this feeling that something is off is what we are going to be going over...

Welcome to the one income family podcast.    Today we are diving into what I believe is the one of the most important things you need to be doing in order to make it financially on one income and that is planning. I know it takes time and unless you’re like me and love to strategize and create a plan it’s not very fun, but it is extremely important. You are going to learn how embracing planning wi...

Hey Mama, welcome to the one income family podcast where we talk all things budging on one income.    Today we are going to jump into what can feel like a losing battle, and that is getting a grip on your spending. Now don’t take this to believe that the reason you are off budget is because of your spending and that it’s a bad thing to have spending money.    On the contrary, I want you to enjoy y...

Is your money spread thin from trying to reach all of your goals simultaneously? I’ve been there! A little emergency fund here, a little vacation there and never actually reaching your goals. That’s the thing about money and time. There is a set amount and that’s not going to change. The hard part is deciding what is actually important. Have you ever sat down and analyzed what is going on in your...

Hey Mama, I talk a lot about figuring out your priorities and creating a budget that tells your story. What you and your family enjoy and the life you want to live. So I figured it was time to give you an episode that talks about how to do that. How do you find balance in a budget? In other words, how do you set up a budget that doesn’t make you feel restricted, but also has safe boundaries in pla...

Today, we are going to be jumping into the conversation of saving money. Now we all know that we should be saving money, but the big question is what should we be saving for?    I have found there to be 5 constants that each budget should have. How you handle each category and create boundaries and amounts will differ, but by knowing what these categories are, it will take the guesswork out of wha...

Have you ever wondered how you are supposed to release control when the steps God tells us to take put you right back in the driver's seat? Well that is exactly what this episode is all about. I am going to share with you the thoughts that God has been sharing with me. It’s time to learn how to be in control without being in control.  Go grab your coffee and a seat and let’s dive in.   Xo  Molly ...

Setting up a budget for success isn’t about the numbers or the categories or even the budget itself. That is why I recorded these 5 tips to help you set up a budget that’s going to bring you success. It’s going to give you the life you and your family want to live instead of feeling restricted and like you “can’t” do anything. It’s time to shift your mindset and start seeing what you can and you g...

Hey Mama,    How often do you find yourself struggling financially? Have you ever wondered why? Why do you feel like you are struggling financially when all of your bills are covered, you’re able to feed your family and other needs are met? Well that my friend is what today’s episode is about. God shared with me a truth behind the real reason we are struggling financially and I’m ready to share th...

Today I am diving into some budgeting mistakes that make your budget feel tight and keep you living paycheck to paycheck. I also  share with you what it is you can do to change your habits and give you a budget that brings peace instead of overwhelm.    So go grab that stroller and a yummy drink and let’s get to it.  Xo  Molly    P.S. Learn why you are struggling to stick to your budget and create...

It is so easy to overlook the way God provides for us because it’s not usually in the way we want or expect. Plus, in the world's eyes it looks cheap. It looks poor. It looks like we are incapable of taking care of ourselves. It looks vulnerable and reliant upon others and we live in a world that thrives on independence.    Today I wanted to share with you the way God has moved in my life. How He...

Hey Mama,   Sticking to your budget is hard work, but there are things that make it easier on yourself and one of those things is boundaries. Yes I know this is a scary word that brings out all of the feelings, but it’s necessary. So in today’s episode I am going to share with you 5 signs that tell you, it’s time to set some boundaries. Then, I’m going to share with you the next steps to take so t...

Today we are deep diving into the digital cash envelope system, specifically the accounts you need for success using this system. Technically you can use as many accounts as you want, but there is a minimum needed inorder for the system to run smoothly and make sure that you are saving money along the way as well as making it easier for yourself to stick to your budget.    So go grab a pen and pap...

Do you have a goal of eating healthy? Do you feel like you’re unable to achieve that goal because you live on one income? I am here to tell you that you can eat healthy on one income.    Today I am going all in on how I feed my family healthy meals on a budget. I could talk about this all day, so I narrowed in on 7 specific habits that help me eat healthy on a budget. So, go grab yourself a pen an...

How often do you find yourself looking for ways to make more money or to save and become more frugal than you already are? Finances are tight, times are tough and the only answer is to figure out ways to cut more costs or go back to work.    All that those thoughts do is put unimaginable pressure on you! Pressure is not how you are going to enjoy your life or even make a joyful environment for you...

Hey Mama,    Have you ever wondered why you are always off budget and can never seem to get back on budget? Well you are in luck. This week as I take you through my budget for the month of June I realize that it’s time to update my budget. You get to see the things that I planned, how they didn't pan out and what the ultimate decision was that made me realize it was time to update my budget.    Th...

Hey Mama,    Have you ever thought about using a digital cash envelope system? Well today I am going to be sharing with you 5 reasons you should. Maybe you’ve thought that it would be a lot of work, but what I have learned is that it’s just as easy as utilizing a single account but with many more benefits. Especially when it comes to living on one income.    So go grab that stroller, pop in your h...

One of the hardest things to do, is to tell yourself no. Keeping other people accountable and knowing that you have others to keep you accountable makes the hard decisions so much easier.    However, when you are the only one keeping yourself accountable you easily change your mind or rationalize that you can do something else because it won’t make that much difference if you say yes this one time...