Katy Almstrom

The Debt Pay Off Podcast for Women

Business EN ↓ 188 episodes

Welcome to The Debt Pay Off Podcast for Women! 👋 The go-to show for women ready to leave the roller coaster of debt behind. I'm here to help you pay off debt, reduce money stress, and tackle 2025 with a fresh financial start. 💳 If "break up with credit cards" is on your to-do list, you're in the right place! Imagine cozy chats, inspiring interviews, and practical tips—everything you need to fuel your journey to financial freedom. Think of this podcast as your trusted guide, especially if debt has been weighing you down. So grab your favorite drink (I'll have coffee!), settle in, and let's di...

Author

Katy Almstrom

Category

Business

Podcast website

www.buzzsprout.com

Latest episode

Jun 11, 2026

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Episodes

Fan Favorite: 166. The 5 Stages of Money Confidence (Where Are You?) 11.06.2026

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...

186. How to Plan for Summer Without Going Into Debt 26.05.2026

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, figurin...

185. Spring Clean Your Money: The Financial Reset You Actually Need 15.05.2026

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 clea...

184. Done With Debt Part 5: How to Keep Going When Debt Payoff Feels Slow (Staying Motivated for the Long Game) 30.04.2026

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...

183. Done With Debt Part 4: What to Do When You Want to Use Your Credit Card Again (Handling Obstacles) 23.04.2026

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...

182. Done With Debt Part 3: Your Debt Snowball Game Plan (Where to Start When You Have Multiple Debts) 16.04.2026

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 d...

181. Done With Debt Part 2: Why You Need to Save Money BEFORE Paying Off Debt (And How Much) 09.04.2026

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 ep...

180. Done With Debt Part 1: How to Actually Stop Using Your Credit Cards (The First 30 Days) 02.04.2026

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...

179. The One Money Goal That Actually Matters in 2026 26.03.2026

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 ai...

178. What If This Is The Year Everything Changes With Your Money? 12.03.2026

We're almost through Q1 of 2026. What if this is the year everything changes with your money? Not in a dramatic overnight transformation way, but in a real, sustainable, "I finally figured this out" way. In this episode, I'm talking about what breakthrough years actually look like, the three things that make them different from every other year, and why this could be YOUR year...

177. The Fastest Way to Get Started Paying Off Debt (Without Feeling Overwhelmed) 26.02.2026

You have multiple debts and you have NO idea where to start. Every time you think about it, you feel overwhelmed and end up doing nothing. Sound familiar? In this episode, I'm cutting through all the noise and giving you the only three things you need to start paying off debt this week. No perfect plan required. No endless research. Just three simple steps that break the paralysis and create...

176. How to Go From Knowing What to Do to Actually Doing It 12.02.2026

You've read the books. You've listened to the podcasts. You KNOW what you're supposed to do with your money. But you're not doing it. If you've been stuck in "learning mode" for months (or years), this episode is for you. I'm breaking down the real reasons you're not implementing - it's not about needing more information - and giving you the tactic...

175. Forget Resolutions - Do This Instead 29.01.2026

New Year's resolutions fail 80% of the time - and it's not your fault. The whole structure of resolutions is broken. In this episode, I'm breaking down the three reasons resolutions don't work (they're annual in a monthly world, they're fixed when life is changing, and they're all-or-nothing). Then I'm giving you what to do instead: Monthly Money Focus. This...

174. New Year, Same You (And Why That's Actually Perfect) 15.01.2026

New year, same you - and that's actually perfect. If you're already feeling the pressure of New Year's resolutions (or you didn't make any because you know they don't stick), this episode is for you. I'm breaking down why trying to transform into a completely different person doesn't work - and what does. Sustainable money progress comes from working WITH who you...

173. Why You Keep Going Back to Your Credit Cards (And How to Stop) 20.11.2025

You paid off your credit card last month. This month it's back up to $2,000. Sound familiar? Paying off credit cards isn't the same thing as breaking up with them - and until you change your relationship with credit, you'll keep ending up right back where you started. In this episode, I'm breaking down why credit cards feel so helpful (until they become a trap), and the exact s...

172. The Real Reason You Can't Stick to Your Budget 13.11.2025

Your budget keeps failing - and it's not because you're bad with money. It's because you're trying to force your real life into a generic template that doesn't account for what's actually happening. With the holidays coming up (Thanksgiving, Christmas, birthdays, parties, travel), November and December need a PLAN, not a budget. In this episode, I'm walking you t...

171. Your Money Is Telling the Truth (Even When You're Not) 06.11.2025

You say health is a priority, but you feel guilty spending on a gym membership. You say your marriage matters, but there's no room in the budget for date night. Your money is telling a story about your priorities - and it might not match what you're saying out loud. In this episode, I'm breaking down the two ways we contradict ourselves with money: feeling guilty about spending on w...

170. What to Do When You're Avoiding Your Bank Account 30.10.2025

Haven't checked your bank balance in weeks (or months)? Feel that little flutter of anxiety every time you think about logging in? You're not broken, and you're not alone. In this episode, I'm diving into why we avoid our money - and more importantly, how to move from avoidance to awareness without shame or overwhelm. This is about the emotional side of money that nobody talks...

169. The Real Reason Your Debt Isn't Going Down (And How to Fix It) 23.10.2025

Making your minimum payments every month but your debt isn't going down? You're not alone, and you're not doing anything wrong. In this episode, I'm breaking down the real math behind why minimum payments keep you trapped - and the one shift that can cut years off your debt payoff timeline. Spoiler: even an extra $25 per month makes a massive difference. If you're tired of...

168. "I Can't Afford Help With Money" - Let's Talk About That 09.10.2025

"I can't afford to get help with my money." I hear this all the time, and I'm not going to try to convince you that you're wrong. Instead, let's have a real conversation about this decision - because sometimes "I can't afford it" is absolutely true, and sometimes it's the excuse that keeps you stuck. In this episode, you'll discover: When you...

167. 3 Money Decisions to Make Before the Year Ends 02.10.2025

How many times have you said "I'll get my money together next year"? If you're like most women, you've been saying some version of that for years - and every January, you start feeling behind before you even begin. We have three months left in 2025. Three months to make real progress instead of waiting for some mythical "perfect time" in January that never comes....

166. The 5 Stages of Money Confidence (Where Are You?) 25.09.2025

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...

165. The Power of a Money Reset (And Why You Need One) 18.09.2025

When was the last time you actually looked at where your money went last month? Not just glanced at your bank balance, but really examined where every dollar went and why? Most of us are running on financial autopilot, making money decisions based on how we feel in the moment or what seems urgent. But we never step back to see the bigger picture. If you're tired of wondering where your money...

164. 3 Reasons You Always Feel Broke (Even with Good Income) 11.09.2025

You make decent money. Your friends might even think you're "doing well" financially. So why do you always feel broke? If you're constantly wondering where your paycheck went, feeling stressed about money despite earning good income, or questioning why you can't seem to get ahead - this episode is for you. I'm breaking down the three specific reasons why good income d...

163. How to Stop Saying 'I Can't Afford It' (And What to Say Instead) 14.08.2025

"I can't afford it." If you catch yourself saying this phrase a lot, you're accidentally keeping yourself stuck in scarcity thinking. For years, I said this constantly while simultaneously putting things on credit cards anyway. The problem isn't your bank account - it's the language that makes you feel powerless. In this episode, I'm sharing what to say instead....

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