"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 genuinely can't afford help (and why that's okay)
• What "I can't afford it" is actually code for (hint: it's often not about money)
• How to evaluate whether investing in money support makes sense for YOUR specific situation
• When staying stuck costs more than getting help

Plus, the real question isn't "can I afford this?" - it's "is this the right investment for me right now, given where I am and where I want to go?"

Ready to figure out your answer? Book a strategy call to talk about whether Moneywise is right for you. We start October 20th, and I have 3 spots left.

This isn't about convincing you to spend money you don't have. It's about helping you make the right decision for where you are and where you want to go.

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

Apply for Moneywise : katyalmstrom.com/moneywise

Connect with Katy:

IG: www.instagram.com/katy_almstrom
FB Group: www.facebook.com/groups/debtpayoffforwomen

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.

In this episode, you'll discover:

• How to decide your December money story (not a budget - a story about how you want to feel about money on January 1st)
• Why picking ONE financial focus for the next three months creates more progress than trying to do everything at once
• The most important decision: are you doing this alone or getting support?

Plus, why the women who end 2025 feeling confident about money are the ones taking action right now, not waiting for January.

Ready to stop waiting and actually transform your relationship with money? Applications are open for Moneywise Mastermind starting October 20th. Book a strategy call to explore whether it's the right fit for you.

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

Apply for Moneywise : katyalmstrom.com/moneywise

Connect with Katy:

IG: www.instagram.com/katy_almstrom
FB Group: www.facebook.com/groups/debtpayoffforwomen

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? Applications are open NOW for the Moneywise Mastermind.

www.katyalmstrom.com/moneywise

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

Apply for Moneywise : katyalmstrom.com/moneywise

Connect with Katy:

IG: www.instagram.com/katy_almstrom
FB Group: www.facebook.com/groups/debtpayoffforwomen

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 goes every month, this episode is your wake-up call.

You'll discover:

• What a money reset actually is (and why it's not about shame or judgment)
• The Money Chaos Cycle that keeps smart women feeling broke despite good income
• Why the fear of looking at your money is always worse than actually looking
• What happens when you finally get real awareness of your spending patterns

Plus, I'm sharing details about my FREE 3-Day Money Reset Challenge starting September 23rd in The Debt Payoff for Women Community Facebook group.

Three days, pen and paper, and the kind of financial clarity that changes everything.

Ready to break the Money Chaos Cycle? Let's reset together.

Join the 3-Day Money Reset Challenge: Search "The Debt Payoff for Women Community" on Facebook and request to join!

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

Apply for Moneywise : katyalmstrom.com/moneywise

Connect with Katy:

IG: www.instagram.com/katy_almstrom
FB Group: www.facebook.com/groups/debtpayoffforwomen

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 doesn't translate to feeling financially secure, and more importantly, I'm showing you the cycle that keeps you stuck (spoiler: it's not about willpower or being "bad with money").

You'll discover:

• Why checking your bank balance is the worst way to make spending decisions
• How "life expenses" mysteriously expand to eat your entire paycheck
• The Money Chaos Cycle that traps even high earners
• What a healthy money decision-making system actually looks like

Plus, I'm sharing details about my FREE 3-Day Money Reset Challenge happening September 23-25 in my Facebook group. If you've been avoiding looking at where your money really goes, this challenge will help you get clarity without the shame or overwhelm.

Ready to break the cycle? Let's dive in.

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

Apply for Moneywise : katyalmstrom.com/moneywise

Connect with Katy:

IG: www.instagram.com/katy_almstrom
FB Group: www.facebook.com/groups/debtpayoffforwomen

"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.

You'll learn:

• Why "I can't afford it" shuts down creative thinking and keeps you feeling like a victim
• The choice-based language I use with my kids instead (that actually teaches them about money)
• How to find an affordable version of almost anything you want
• The reseller market secret that makes expensive items accessible
• The one question that changes everything about how you approach money decisions
• Why getting clear on your WHY often reveals you don't actually want the thing
• How to reframe from limitation to empowerment in any money conversation

Stop letting this phrase make you feel powerless. You have more options than you think - it's time to start using language that reflects that truth.

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

Apply for Moneywise : katyalmstrom.com/moneywise

Connect with Katy:

IG: www.instagram.com/katy_almstrom
FB Group: www.facebook.com/groups/debtpayoffforwomen

What if your money wasn't your enemy, but your teammate? Most of us have been conditioned to see money as something scary to fight or control, but this mindset keeps us stuck in anxiety and bad decisions. In this Money Mindset Minute, I'm sharing the simple shift that completely transformed how money feels in my life.

You'll discover:

• Why treating money like a supportive friend changes everything
• The mindset shift that turns spending guilt into spending joy
• How I went from urges to spend everything to excitement about building wealth
• The automation strategy that makes money decisions guilt-free
• What to think instead when you look at your bank account
• The simple reframe that makes saving feel like teamwork, not deprivation

This isn't about talking to your money (though you could!). It's about partnering with your money instead of fighting it. When you make this shift, every financial decision becomes easier.

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

Apply for Moneywise : katyalmstrom.com/moneywise

Connect with Katy:

IG: www.instagram.com/katy_almstrom
FB Group: www.facebook.com/groups/debtpayoffforwomen

Summer doesn't have to be a budget buster, but most people fall into the same expensive traps every year. They start with good intentions, say yes to everything without a plan, and then avoid looking at their bank account until fall hits with back-to-school stress. Sound familiar? In this episode, I'm sharing our family's real approach to enjoying summer without going broke - and it's way simpler than you think.

You'll learn:

• The year-long planning strategy that makes summer expenses feel manageable
• How to create the "summer activities list" that keeps costs low and fun high
• Why most summer magic is actually free (and how to lean into that)
• The scheduling trick that spreads out bigger expenses without the guilt
• How to avoid the dangerous summer money avoidance spiral
• What to do right now if you're already feeling behind

Stop thinking you need to spend your way to a good summer. I'll show you how slowing down and being intentional creates better memories than any expensive activity ever could.

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

Apply for Moneywise : katyalmstrom.com/moneywise

Connect with Katy:

IG: www.instagram.com/katy_almstrom
FB Group: www.facebook.com/groups/debtpayoffforwomen