116. My Top 3 Budgeting Systems to Live Stress Free on One Income.
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
26 min
1 speaker
8 chapters
transcribed 1 month ago
Transcript
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Transcript generated automatically by AI and may contain errors.
Are you living paycheck to paycheck and ready for a change?
Hey mama, welcome to the One Income Family Podcast. Are you stressing over not being able to stick to your budget? Do you maybe worry about the inconsistency of living paycheck to paycheck? Are you anxiously waiting for the next ball to drop, the next unexpected expense to fall from the sky? That is what today is all about. These three systems that I'm going to share with you will put boundaries in place, making it possible to not stick to your budget, right? So you will have to stick to your budget. It will end the paycheck to paycheck lifestyle and the inconsistency. but most importantly, it will put things in place to ease the pressure that unexpected expenses bring. So go cuddle up with a nice warm drink, get comfy with them babies, and open your heart to God as we head into today's episode.
Do 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.
What personal money struggles did Molly share about budgeting on one income?
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 was you. We lived the dreaded paycheck to paycheck lifestyle. We paid bills first, which left us with inconsistent amounts each and every paycheck to put towards everything else. It was hard to track. It was hard to save. Budgeting, just simply put, 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 that you're living. It's time to be able to start saving money and working with consistent amounts each and every time you sit down to budget, even if you have an inconsistent income.
It's time to book a budget audit so that you can achieve the financial piece that you are looking for. And all you have to do is email me at mollybanel at gmail.com with the subject line budget audit so that we can figure out the steps that you need to take to get you from where you are right now to where you want to be. Again, email me at mollybannell 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.
Which budgeting methods did Molly try before finding a reliable system?
So just like you, when I started my one income journey, I was like riding the whole paycheck to paycheck lifestyle that I feel like everybody at some point in time like gets on, right? It's a boat that is just inevitable when you have never really been taught how to manage your finances. And so as I'm sitting down and I'm doing my finances regularly, back then um i was always worried about not being able to pay for things afterwards right and You'd sit down, you take care of your bills, and then whatever's left over is what you get to like use on everything else. All your other expenses that you have, the spending that you need to do, that are needs, the things that you want to do, the fun things that you want to do, not just the have to do's, right?
And I specifically remember this one time. I sat down to budget and And I got everything split up, got the amounts separated that I needed for groceries, got bills paid, got everything that was a need taken care of. And I'm like, oh my gosh, we have like $102 left over this paycheck.
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Chapters
8 chapters
1
Are you living paycheck to paycheck and ready for a change?
0:00–1:13
2
What personal money struggles did Molly share about budgeting on one income?
1:13–3:22
3
Which budgeting methods did Molly try before finding a reliable system?
3:22–5:14
4
How does a digital cash envelope system create boundaries and reduce stress?
5:14–7:34
5
What accounts should you open to set up a digital cash envelope system?
7:34–11:34
6
How does the monthly base budget ensure consistent bill payments with irregular income?
11:34–11:55
7
What is a paycheck plan and how do you condense a monthly budget into each pay period?
11:55–15:06
8
How can listeners get help and next steps to implement these three systems?
15:06–26:40
Speakers
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