FINANCIAL PLANNING for Busy Working Moms II How To Budget, Save Money, Financial Stability, Debt Relief, Savings, Stewardship

Show Notes: 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,...

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 y...

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 wi...

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...

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 ot...

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 mon...

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 val...

Show Notes: 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 and helped 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 standin...

Show Notes: You can eat 5 times a day, cook once maybe twice a week, do grocery shopping once a week, and kiss your grocery receipt! How does it sound? First, eat your breakfast. It must include lean proteins, some whole grains preferably cooked, and a load of fresh greens and veggies. Similar food ingredients for lunch. And for dinner same ingredients but grains. That’s it! How much simpler it ca...

Show Notes: You need to take these 3 steps right now to start your budget work for you: Track your daily expenses during your nightly routine time in one system like an Excel spreadsheet. Lit up candles, use an essential oils diffuser, and play soft music to establish a serene and peaceful atmosphere when you reflect on the day behind. Leave it there with a grateful heart, knowing that what you ac...

Show Notes: Improving financial confidence is a gradual process that involves both practical actions and a positive mindset. By taking proactive steps and staying committed to your financial goals, you can build confidence in your ability to manage and improve your financial well-being. Remember, attracting money is often a result of a combination of practical financial habits, continuous learning...

Show Notes: Improving financial confidence is a gradual process involving practical actions and a positive mindset. By taking proactive steps and staying committed to your financial goals, you can build confidence in your ability to manage and improve your financial well-being. Take good care of yourself Have a structured routine Create an inviting desk area Organize financial paperwork Have a pap...

Show Notes:   Today I would like to reflect on a very sacred topic about the most valuable treasure of a special child that once was born. You have your gem right in front of you. Take a closer look. Pick it up from the dirt, wash it, gently wrap it in a fine cloth, bring it to the sunlight, and get your magnifying glass out – you will see so many sparkles! Let it shine in you and through you! Let...

Show Notes: 6 strategies on how to have more money Create a Budget Identify Essential vs. Non-Essential Expenses Prioritize Basic Needs Build an Emergency Fund Save for Goals Review and adjust Links & Resources: ✔️ DEBT-FREE BUDGETING PROGRAM: apply for 6-week program at https://dianagalas.com/course   ✔️ FREE CALL: book your Clarity Call  Here ✔️ FREE CHAT: send me a quick text via IG messagi...

Show Notes Success means personal fulfillment, happiness, and a sense of accomplishment. So, to experience such success I have created a roadmap so that by the end of the next year when you look back you will feel more accomplished and successful, right? See God placed us – human beings on this earth as the highest authority to rule over it, cultivate it, and care for it. Money is one of the main...

Show Notes: Episode 10: 3 Steps on How to Systemize Your Bill Pay – Use Online Bill Pay to Save Time and Money Have your Bill Pay folder set up with two dividers: one labeled Bills to pay by Credit Card and the other one Bills to pay with online banking. Have the Bill Pay folder ready for your “Money Squad” time. Establish your “Money Squad” time, preferably at the end of the day and during your n...

Show Notes: Before going to a party plan your day in particular your meals. Be mindful and strategic. Eat a balanced meal before the party to curb excessive hunger.  Concentrate on connecting with people, talk more, laugh a lot, and take tons of pictures with as many people as you can. Photograph the food and the decorations – keep yourself busy other than consuming food. Enjoy your party time by...

Show Notes: Debt is a financial obligation or liability that arises when one party borrows money from another with the agreement to repay the borrowed amount, typically with interest, over a specified period. It can take various forms, including loans, credit card balances, mortgages, or any other arrangement where money is owed. Managing debt involves making scheduled payments to the creditor unt...

Show Notes: A budget allows you to prioritize essential expenses over non-essential ones, helping you allocate funds to what matters most by providing a structured framework to allocate funds based on importance and necessity.  A budget reveals your current financial situation, enabling you to set realistic and achievable goals based on your income and expenses.  Budgeting includes saving for emer...

Show Notes: In this episode, you will find practical solutions to help you right away in any season of your life. Start your day the night before. Revisit your calendar, reflect on your day, put it on paper - get it out of your head, go to bed on time Take care of your spirit, mind, and body. Rise one hour earlier than anybody else in your household. Meditate and plan your day. Start exercising –...

Show Notes: First and foremost, eliminate extra stress from your Thanksgiving day by taking care of your finances in advance. Create a budget, plan your expenses, and prioritize your spending. Create a Thanksgiving meal plan and have your shopping list ready! This proactive approach allows you to enjoy the festive season without the added worry of financial stress. Take the time to set realistic e...

Show Notes: Operate with only two accounts: one is your checking account and the other one is your credit card account. Setting a credit limit to your budgeted expenses will ensure you stay within your limits. It’s important to make sure your budget cash flows after paying off the credit card.  Have Monthly Credit Card revamp time.  Go and free up your money flow for life above abilities where you...

Show Notes: Non-essential expenses include costs that contribute to comfort, entertainment, or luxury rather than meeting basic needs. These are discretionary expenses that can be adjusted based on personal preferences and financial priorities.  Set aside about 1 hour of your and your hubby’s time on a monthly basis, preferably during the weekend. Print your last month's bank statement, get your m...

Show Notes: In this episode, I share 8 tips on planning family parties and events to enjoy and to keep your bank intact. A family is to cherish and to celebrate. With Thanksgiving, Christmas, and New Year quickly approaching, I would like you to enter into the Holiday season with a grateful heart, joyful spirit, and sound mind, ready to give and receive. Let’s walk through it in confidence! Show N...

Show Notes: This episode is about my journey and how I met my special needs son. Being an immigrant with no financial concept of the American dream, and having a child on disability I was able to rise above my abilities to become a successful entrepreneur, business owner, and thriving mother of four grown-up children with my very first grandbaby on the way. Here I share some of the moments that sh...