108. Out of Christmas Money? 3 Ways to Pay for Last Minute Christmas Items Without Credit Cards
episode
Budgeting With Confidence | God-Led Budgeting, How to Stick to Your Budget for Moms, Save Money, Manage Money, Money Habits and Routines, Money Mindset
29 min
1 speaker
2 chapters
transcribed 1 month ago
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How do I avoid using credit cards when I run out of Christmas money?
Hey friend, welcome to another episode of the One Income Family Podcast. I know what it's like to get to the end of the Christmas season only to find that you've spent all of your Christmas budget, which is so easy to do, right? especially if you're like me and you want to make sure that everyone gets a gift and feels loved by you or you want your children to be involved and so you let them buy christmas gifts for everyone as well meaning you're actually buying two gifts for everyone um yeah that is a lot of money out the window real quick when we're dealing with like 20 to 30 dollar gifts right So as we head into this last week before Christmas, when we tend to start running low on Christmas funds, I wanted to keep your spirits up and bring you a few things that you can do so that you can get those last minute items that you've forgotten without having to reach for your credit card.
So go cuddle up with a nice warm drink, get comfy with them babies, and open up your heart to God as we settle into today's episode.
you find it hard to save or get out of debt are you constantly searching for ways to save money and live on a budget do you have big dreams only to be stopped by not sticking to your budget are you ready for financial freedom then you mama are in the right place welcome to the one income family podcast where you will learn what it looks like to budget on one income how to partner with God in your finances, how to budget in a way that's easy to stick to, and how to cut costs and save money all so that you can start building wealth. It is my mission to equip you with these tools so that you can live in abundance regardless of the amount in your account. Hey, I'm Molly, a budget coach for stay-at-home moms, and I know what it's like to struggle on one income.
I've lived paycheck to paycheck, relied on being frugal, and failed many budgets until I learned how to budget without tracking. This has allowed my family to pay off debt and build wealth all on one income. So if you are ready for financial freedom, then go grab that stroller, plug in those headphones, and let's get to it. Are you living paycheck to paycheck and you're sick of the inconsistency? I, my friend, I was you. We lived the dreaded paycheck to paycheck lifestyle. We paid bills first, you know, which left us with inconsistent amounts each pay period to put towards everything else. You know, the groceries, gas. We never knew how much we had to put towards those things after bills came out.
It was hard to track. It was hard to save. Budgeting was a nightmare. That is what I don't want you to have to deal with any longer. It's time to get out of the paycheck to paycheck lifestyle you are living. It's time to be able to start saving money and working with consistent amounts each time you go to budget. Even now. If your budget is inconsistent, it's time to book a budget audit so that you can achieve the financial piece you are looking for. All you have to do is email me at mollybanel at gmail.com. That's M-O-L-L-Y, B as in boy, E-N-E-L-L at gmail.com. with the subject line budget audit so that we can figure out the steps you need to take to get you from where you are to where you want to be.
Again, email me at mollybanal at gmail.com with the subject line budget audit and let's get this going for you. Alrighty, so when you don't make a budget or follow your budget very well because, well, maybe you created an unrealistic budget because that happens. Trust me, I've been there. I'm sure you have too. Or maybe you forgot someone on the list of the gifts that you were planning to get. Or you upped the price of gifts while you were shopping. The list can go on. But anyways, when all this stuff happens... funds tend to start running low. In categories, they start running together, and the tendencies can be to reach for that credit card or maybe into the savings account to be able to get everything needed or really wanted for Christmas.
It can be such a reflex, really, to reach for things that we have that are easy to get to because Christmas in our brain is more important at the time, and we tend to forget about everything else that is in our budget, all the things that need to stay safe and the boundaries that we have in place to keep us from using that money, right?
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Chapters
2 chaptersSpeakers
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