Show Notes:

Have you ever wondered what you are paying for with your phone bill? Let's dive into a detailed review of my telephone statement, line by line. Click on one link below to get connected and if you would like to learn more about what Simple Money Systems has in store for you.

Learn more:  www.dianagalas.com 

Apply for Debt-Free-Budgeting Course Now: Click Here

Discover: schedule a Free Call right here: https://calendly.com/dianagalas/coaching-call-booking 

Connect: become an Insider here: https://simple-money-systems.ck.page/ 

Engage: join FB here: https://bit.ly/timeforfacebook or search for Simple Money Systems Facebook Group

Quick chat: DM on my Instagram:https://www.instagram.com/coach_diana_galas?igsh=ZDk4ZG05d2g3MjE4&utm_source=qr

Show Notes:

In this episode, I teach how to recover from a financial crash. 3 Simple steps will help you gain control over your financial life by embracing the cringe, creating the strategy, and getting accountability and support by connecting with me through these links:

Links & Resources:

✔️ DEBT-FREE BUDGETING PROGRAM: apply for 6-week program at https://dianagalas.com/course 

✔️ FREE CALL: book your Clarity Call  https://dianagalas.com/call

✔️ FREE CHAT: send me a quick text via IG messaging https://dianagalas.com/chat 

✔️ FREE PRIVATE COMMUNITY: become a member of a Simple Money Systems Facebook group 

✔️ NEWSLETTER: join Simple Money Systems weekly news https://dianagalas.com/newsletter

✔️ TAKE WEALTHY QUIZ: discover your financial strengths and growth areas https://dianagalas.com/wealthy-quiz 

Show Notes

Today I go deep uncovering the origins of credit card debt. Learn how to use credit cards the way it helps you to spend money worry-free that you might overspend. Contact me if you need help with getting out of the credit card trap. I am looking forward to hearing from you and hope to see you in my debt-free coaching class.

Learn – www.dianagalas.com 

Discover - schedule a Free Call right here https://calendly.com/dianagalas/coaching-call-booking 

Connect - become an Insider here: https://simple-money-systems.ck.page/ 

Engage – join FB here: https://bit.ly/timeforfacebook  or search for Simple Money Systems Facebook Group

Quick chat - DM on my Instagram: https://www.instagram.com/coach_diana_galas?igsh=ZDk4ZG05d2g3MjE4&utm_source=qr

Show Notes

This episode is about how to get out from running low on your spiritual and emotional bank. Dive deep with me and get rejuvenated, refreshed, and reenergized!

Learn – www.dianagalas.com 

Discover - schedule a Free Call right here https://calendly.com/dianagalas/coaching-call-booking 

Connect - become an Insider here: https://simple-money-systems.ck.page/ 

Engage – join FB here: https://bit.ly/timeforfacebook  or search for Simple Money Systems Facebook Group

Quick chat - DM on my Instagram: https://www.instagram.com/coach_diana_galas?igsh=ZDk4ZG05d2g3MjE4&utm_source=qr

Show Notes:

Going on vacation with your special needs child? Have your packing checklist right here! Ensure Happy Fun and Safe travel! Have a happy, fun, and safe travel!

Learn – www.dianagalas.com 

Discover - schedule a Free Call right here https://calendly.com/dianagalas/coaching-call-booking 

Connect - become an Insider here: https://simple-money-systems.ck.page/ 

Engage – join FB here: https://bit.ly/timeforfacebook  or search for Simple Money Systems Facebook Group

Quick chat - DM on my Instagram: https://www.instagram.com/coach_diana_galas?igsh=ZDk4ZG05d2g3MjE4&utm_source=qr

Show Notes

Learn how to set up your daily budget. These 5 steps will guide you on how to live on your current income within your means and maybe find some money for saving or investing to help you start dreaming again. Check it out and share it with your friend!

💛 Happy listening!

Links & Resources:

✔️ JOIN DEBT-FREE MONEY METHOD TO START SAVING NOW: https://dianagalas.com/course 

✔️ JOIN FREE PRIVATE COMMUNITY: become a member of a Simple Money Systems Facebook group 

✔️ NEWSLETTER: join Simple Money Systems weekly news https://dianagalas.com/newsletter

✔️ TAKE WEALTHY QUIZ: discover your financial strengths and growth areas https://dianagalas.com/wealthy-quiz 

Show Notes

In this episode, we learn how to better understand time value that lies in its scarcity and irreplaceability, making it crucial to use it wisely and intentionally. Let this perspective encourage mindful living, focusing on what truly matters, and maximizing the positive impact of your actions and decisions. Don’t waste your time any much longer. Get rid of debt and start enjoying life! I am looking forward to hearing from you and see you in my coaching class.

💛 Happy listening!

Links & Resources:

✔️ JOIN DEBT-FREE MONEY METHOD TO START SAVING NOW: https://dianagalas.com/course 

✔️ JOIN FREE PRIVATE COMMUNITY: become a member of a Simple Money Systems Facebook group 

✔️ NEWSLETTER: join Simple Money Systems weekly news https://dianagalas.com/newsletter

✔️ TAKE WEALTHY QUIZ: discover your financial strengths and growth areas https://dianagalas.com/wealthy-quiz 

Show Notes:

In this episode, I share useful topics about bringing your project to the finish line. You will learn two important aspects of project management and budgeting and how these two main components work together. With my systems in place that are interactive, simple, and fun you want to have them in your home. Check below how to connect with me!

💛 Happy listening!

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 messaging Click Here 

✔️ FREE PRIVATE COMMUNITY: become a member of a Simple Money Systems Facebook group 

✔️ NEWSLETTER: join Simple Money Systems weekly news https://dianagalas.com/newsletter

✔️ TAKE WEALTHY QUIZ: discover your financial strengths and growth areas https://dianagalas.com/wealthy-quiz 

Shown Notes:

Today I am talking about the aftermath of bankruptcy when it already happened and now you are at the point of starting your post-bankruptcy life. Also, bankruptcy can be considered not just a legal procedure with your creditors but other life circumstances such as illness, or other traumatic experiences throwing you in a position to start over. It sounds so traumatic and dramatic and it's not the topic you talk about with all your friends, right? Let me show you how your bankruptcy situation can become your rocket-launching platform, to fire up your financial engine, are you with me?

💛 Happy listening!

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 messaging Click Here 

✔️ FREE PRIVATE COMMUNITY: become a member of a Simple Money Systems Facebook group 

✔️ NEWSLETTER: join Simple Money Systems weekly news https://dianagalas.com/newsletter

✔️ TAKE WEALTHY QUIZ: discover your financial strengths and growth areas https://dianagalas.com/wealthy-quiz 

Show Notes:

In today's episode, I establish 4 principles of effective money strategy about saving and paying off debt. The first and main principle is establishing your why or your driver. I am glad to hear from you by connecting with me at the links below:

💛 Happy listening!

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 messaging Click Here 

✔️ FREE PRIVATE COMMUNITY: become a member of a Simple Money Systems Facebook group 

✔️ NEWSLETTER: join Simple Money Systems weekly news https://dianagalas.com/newsletter

✔️ TAKE WEALTHY QUIZ: discover your financial strengths and growth areas https://dianagalas.com/wealthy-quiz 

Show Notes:

Want to do all these things and stay sane? Learn a step-by-step guide in this episode on how to actually be filled with joy, and peace of heart and feel a productive, happy Mom!

💛 Happy listening!

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 messaging Click Here 

✔️ FREE PRIVATE COMMUNITY: become a member of a Simple Money Systems Facebook group 

✔️ NEWSLETTER: join Simple Money Systems weekly news https://dianagalas.com/newsletter

✔️ TAKE WEALTHY QUIZ: discover your financial strengths and growth areas https://dianagalas.com/wealthy-quiz 

Show Notes:

Learn 5 steps to improve your cash flow and how you can thrive on a small budget. In this step-by-step tutorial, I explain what actions to take, to help you get unstuck from the money rat race. Get in touch with me for a more in-depth look into your cash flow situation. I am here to help:

Learn more:  www.dianagalas.com 

Discover: schedule a Free Call right here: https://calendly.com/dianagalas/coaching-call-booking 

Connect: become an Insider here: https://simple-money-systems.ck.page/ 

Engage: join FB here: https://bit.ly/timeforfacebook or search for Simple Money Systems Facebook Group

Quick chat: DM on my Instagram:https://www.instagram.com/coach_diana_galas?igsh=ZDk4ZG05d2g3MjE4&utm_source=qr

Show Notes:

Welcome to Episode #36 where I teach how to gain back your ground after a shopping spree financial crash. Tune in to this episode and learn basic strategies on how to assess the situation, and create a plan to connect with yourself so you can use your experience for growth and financial stability.

💛 Happy listening!

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 messaging Click Here 

✔️ FREE PRIVATE COMMUNITY: become a member of a Simple Money Systems Facebook group 

✔️ NEWSLETTER: join Simple Money Systems weekly news https://dianagalas.com/newsletter

✔️ TAKE WEALTHY QUIZ: discover your financial strengths and growth areas https://dianagalas.com/wealthy-quiz 

Show Notes:

This episode is about money wasting and about common ways of unintentionally ending up with no money at the end of a month. Whether it’s emotional buying or quick convenience purchases, let me help you get control over your spending in a non-restrictive way, giving you the freedom to put your money where it serves you the best. Check below on how to connect with me!

💛 Happy listening!

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 messaging Click Here 

✔️ FREE PRIVATE COMMUNITY: become a member of a Simple Money Systems Facebook group 

✔️ NEWSLETTER: join Simple Money Systems weekly news https://dianagalas.com/newsletter

✔️ TAKE WEALTHY QUIZ: discover your financial strengths and growth areas https://dianagalas.com/wealthy-quiz 

Show Notes:

In this episode, I am giving you a simple formula to help you optimize your family money system to get you out of debt. Whether you are starting over on your financial journey, starting for the first time, or changing financial directions, this episode will share exact strategies to create money systems in your home so you can sleep better, be less stressed over your finances, and permit you to dream again today!

Check out my info below to get started on your debt-free life right now.

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 messaging Click Here 

✔️ FREE PRIVATE COMMUNITY: become a member of a Simple Money Systems Facebook group 

✔️ NEWSLETTER: join Simple Money Systems weekly news https://dianagalas.com/newsletter

✔️ TAKE WEALTHY QUIZ: discover your financial strengths and growth areas https://dianagalas.com/wealthy-quiz 

Show Notes:

Creating a comprehensive special needs binder for a child can be immensely helpful for parents, caregivers, educators, and healthcare providers. The medical records, charts, immunizations, medications, and doctor's notes - all have to be carefully recorded and kept in one place and easily accessible. Our kids grow differently so, instead of having a typical growth chart, I recommend having a chart reflecting your child’s developmental phases, milestones reached, a plan for learning goals, social activities, etc. In today's episode, I will be talking about how to organize a simple binder DIY for a child with Special needs. 

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 messaging Click Here 

✔️ FREE PRIVATE COMMUNITY: become a member of a Simple Money Systems Facebook group 

✔️ NEWSLETTER: join Simple Money Systems weekly news https://dianagalas.com/newsletter

✔️ TAKE WEALTHY QUIZ: discover your financial strengths and growth areas https://dianagalas.com/wealthy-quiz 

Show Notes:

In this episode, I want to discuss steps on practical steps on how to build your cash flow systems so you can start paying your debt and staying out of it. Welcome to episode #32 on the Simple Money Systems podcast.

1. Create a Bill Pay System
2. Build your Family Purchasing System
3. Have in place a Grocery Shopping Planning System
4. Create a Debt Repayment System
5. Implement your systems!

Episode #31 how to get ready to cash flow

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 messaging Click Here 

✔️ FREE PRIVATE COMMUNITY: become a member of a Simple Money Systems Facebook group 

✔️ NEWSLETTER: join Simple Money Systems weekly news https://dianagalas.com/newsletter

✔️ TAKE WEALTHY QUIZ: discover your financial strengths and growth areas https://dianagalas.com/wealthy-quiz 

Show Notes:

Welcome to Simple Money Systems podcast episode #31. Today I will be talking about the concept of cash flow. There's one common denominator to find that simple strategy for saving money that you can run with. Is there one? And I say yes. To simplify this often confusing money subject I have a simple money system that is custom built for you. Here are 5 tips on How to help you gain your cashback:

1. Evaluate, what value-adding or money-saving habit you need to add to your daily routine. 

2. Create a credit card payoff system. 

3. Pay a one-time fee for all your purchases big or small. Avoid any and all payment plans. 

4. Don’t buy extended warranties on any electronics, cell phones, cars, household items, etcetera. 

5. Decline merchant’s credit card offers. 

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 messaging Click Here 

✔️ FREE PRIVATE COMMUNITY: become a member of a Simple Money Systems Facebook group 

✔️ NEWSLETTER: join Simple Money Systems weekly news https://dianagalas.com/newsletter

✔️ TAKE WEALTHY QUIZ: discover your financial strengths and growth areas https://dianagalas.com/wealthy-quiz 

Show Notes:

Welcome to episode #30 where I discussed the topic of why it is so hard to stick to your Budget and how to be consistent with your spending plan. Are you ready to learn and get back to the money management basics that you enjoy? I am glad to help you! Click the links below to learn, discover, connect, and engage.

Listen to related Episode #7

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 messaging Click Here 

✔️ FREE PRIVATE COMMUNITY: become a member of a Simple Money Systems Facebook group 

✔️ NEWSLETTER: join Simple Money Systems weekly news https://dianagalas.com/newsletter

✔️ TAKE WEALTHY QUIZ: discover your financial strengths and growth areas https://dianagalas.com/wealthy-quiz 

Show Notes:

You are the Mom of special abilities with a special calling that puts you in a place where you serve not only your child but also others. Just imagine when your voice is heard, and your talents are put to work to make not just your life much lighter, easier, more fun, and enjoyable but also the life of your child, your family, and people all around the world today and right now. Would you like to hear more topics on special needs trust? Drop your comments in our Facebook community at the Show Notes link right below this episode or feel free to email me at diana@dianagalas.com

Remember, now your child is on disability and you are the special mama – both of you designers of your beautiful lives with limitless opportunities, with confident debt-free business-making opportunities.

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 messaging Click Here 

✔️ FREE PRIVATE COMMUNITY: become a member of a Simple Money Systems Facebook group 

✔️ NEWSLETTER: join Simple Money Systems weekly news https://dianagalas.com/newsletter

✔️ TAKE WEALTHY QUIZ: discover your financial strengths and growth areas https://dianagalas.com/wealthy-quiz 

Show Notes:

Welcome to the Simple Money Systems podcast, where simple is more and more simple. I am so happy you joined me! In this episode, I will be discussing a hot topic about how to break through the spending cycle and how to gain confidence and peace of mind when it comes to your daily finances.

The first thing you need to know is what is coming in. I mean what we think about, what we allow ourselves to listen, to look at, with whom we associate, and even how we were raised and what beliefs we still keep that isn’t working. This will identify how much money is coming into your budget and also the way this money is coming.

The next important point to get you out of the spending wheel is to know your needs.

And the most important and the most fun point is to know your dreams.

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 messaging Click Here 

✔️ FREE PRIVATE COMMUNITY: become a member of a Simple Money Systems Facebook group 

✔️ NEWSLETTER: join Simple Money Systems weekly news https://dianagalas.com/newsletter

✔️ TAKE WEALTHY QUIZ: discover your financial strengths and growth areas https://dianagalas.com/wealthy-quiz 

Show Notes:

Ok, let's organize and automate your bill pay! Have all your Bills available for one-time set-up only. I like to have paper copies with account numbers, mailing addresses, and telephone numbers for every payee. You may add payees to your bill pay as you go, but I prefer to have them all set up at one time for easier budgeting and money allocation. Enter all your bills one by one, and double-check all the details like account numbers and payee mailing address. And you are ready to make payments! Easy as that! In my simple budgeting coaching, I have a worksheet to help you organize your bill pay where you list all your payees with monthly amounts for easy money allocation and to budget specifically for Bill Pay. Now, you are ready to enter all your bills each with the amount and due date. Now you have a nice list with all upcoming bills to pay and with the available amount right in your online bill pay. So what happens when it's time for the bill to be paid? How the money are paid? Your bank actually does the job: when the bill's due date approaches a bank cuts a paper check, a real professionally looking paper check for you and delivers it to your payee, friends all free of charge! If you are already using online bill pay you can easily agree with me, it's amazing! And if you have bills that are the same amount every month then you can automate them, saving you some time. I recommend using online Bill Pay for all your checking account transactions and all others, I simply use a credit card. Only remember to add your credit card bill to your Bill Pay so every month you can pay off your credit card balance. With the Bill Pay system in place, you can check all your upcoming payments which makes it easy to see if you have enough money in your bank.

If you feel a little bit unsure, let me walk with you and help create a simple budget for your bill pay to ensure you have enough money to cover all your bills. We will come up with a strategy not only to get your bills paid on time but how to pay off your debt, one by one whether it's your outstanding credit card balances, your car loan, or if you like to create a special fund for a specific purpose. We will work on your goals list to ensure your dreams come true. I have easy worksheets to help you step by step with daily homework assignments. Just imagine watching your money work for you – with the simple budgeting tool that you will love.

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 messaging Click Here 

✔️ FREE PRIVATE COMMUNITY: become a member of a Simple Money Systems Facebook group 

✔️ NEWSLETTER: join Simple Money Systems weekly news https://dianagalas.com/newsletter

✔️ TAKE WEALTHY QUIZ: discover your financial strengths and growth areas https://dianagalas.com/wealthy-quiz 

Show Notes:

Have you been curious about your cash flow? In today's episode learn 5 steps on how to create your cash flow.

Learn more:  www.dianagalas.com 

Discover - schedule a Free Call right here: https://calendly.com/dianagalas/coaching-call-booking 

Connect - become an Insider here: https://simple-money-systems.ck.page/ 

Engage – join FB here: https://bit.ly/timeforfacebook or search for Simple Money Systems Facebook Group

Quick chat - DM on my Instagram:https://www.instagram.com/coach_diana_galas?igsh=ZDk4ZG05d2g3MjE4&utm_source=qr

Show Notes:

Friends, try training your brain to practice enough mentality. How much is it really required to live a healthy simple lifestyle? And remember simple is always more: more freedom, more space, more rest, more health, more peace, more happiness in your marriage and relationship with family, and more money in your pocket. Instead of buying more junk food buy less: organic, natural products. And friends, farm-fresh eggs and farm-fresh milk taste much better and our digestive system is created to work better with these products. They are more expensive but you simply eat them less because of so much nourishment that is enough in lesser portions. Ok, let's look into 3 habits you need to start to work on right now. I am recommending starting with one, mastering it for a few days then adding a second one, and then a third.

1. Plan and Do grocery shopping once a week, on the weekend. Have your weekly menu board in a visible location. Remember, money and gas are scarce, so learn to save these resources!
2. Do your closet audit – get rid of useless things! Shelve space costs you time, money, and energy. Get rid of all the clothes that you didn't wear in a year. Schedule on your paper calendar to work on one closet at a time, one day on a certain weekday. I enjoy it very much because I know how much pleasure I will have walking into a neat closet and not much thinking about what to wear.
3. Purge your cleaning supplies – get rid of all harmful chemicals, and keep vinegar, baking soda, and pure liquid. powdered soap for all your cleaning work.

Start with just one thing you are most connected with. Give yourself a few tries, and get yourself in the mood to do that one thing every day. Maybe just practice that new way of thinking every day. Write on a sticky note and put it next to your makeup mirror, set it to your desktop background, and put it on your fridge. Lead your day with confidence, peace of mind, and a grateful heart. Give yourself grace, adjust as you go, and stay consistent. Start small. Learn to take small simple steps.

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 messaging Click Here 

✔️ FREE PRIVATE COMMUNITY: become a member of a Simple Money Systems Facebook group 

✔️ NEWSLETTER: join Simple Money Systems weekly news https://dianagalas.com/newsletter

✔️ TAKE WEALTHY QUIZ: discover your financial strengths and growth areas https://dianagalas.com/wealthy-quiz 

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:

1. 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, ups and downs, keeping my mind at peace. And I love my Time for Gratitude before bedtime. What a blessing to wrap up your day with a grateful heart.
2. Recognize the battle of your mind. The enemy of our souls constantly tries to distort our perception of self-worth. Combat negative thoughts with God's truths from Scripture. Have your praise and worship songs on, get your thanksgiving song to your King!
3. Train yourself to think what is true: be open to identifying your own biases, prejudices, and preconceptions that may influence your thinking. Focus on God's truth rather than negative self-perceptions. Remember that your identity is in Christ – redeemed from self-destruction, loved unconditionally, created with a calling on your life.
4. Always have faith. Know and believe who you truly are – the daughter of the King! And this is how you take yourself; not by your looks, talent, possessions, or even circumstances. Believe that God knows you, you are worthy of all stars in heaven, you are the apple of your heavenly father's eye, you are greatly cherished and loved, you are important and dear – you are that precious treasure worthy of being the daughter of the King!
5. Guard your words: renew your mind by listening and reading encouraging messages, audio bible, sermons, and books. Make a contract with yourself: only words of truth, wisdom, encouragement, and wholesome kindness and compassion to inspire and uplift yourself and others.
6. Surround yourself with people who demonstrate their self-worth based on invisible, inner treasures so you can share your journey of better understanding of self-worth and support each other.

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 messaging Click Here 

✔️ FREE PRIVATE COMMUNITY: become a member of a Simple Money Systems Facebook group 

✔️ NEWSLETTER: join Simple Money Systems weekly news https://dianagalas.com/newsletter

✔️ TAKE WEALTHY QUIZ: discover your financial strengths and growth areas https://dianagalas.com/wealthy-quiz 

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 yourself and your hubby

#4. Have your own personal power hour early in the morning

#5. Have a designated area for your homework

I am glad you joined today Simple Money Systems. You can implement these tips right now, don't wait for better times, change your daily life for the better now. I would love to hear from you about how these strategies helped you or maybe you have yours that help you that may help others. My goal is to simplify your life to save your precious time and hard-earned money.

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 messaging Click Here 

✔️ FREE PRIVATE COMMUNITY: become a member of a Simple Money Systems Facebook group 

✔️ NEWSLETTER: join Simple Money Systems weekly news https://dianagalas.com/newsletter

✔️ TAKE WEALTHY QUIZ: discover your financial strengths and growth areas https://dianagalas.com/wealthy-quiz 

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 with you. Plus managing the envelopes themselves is another level of time and energy that makes this method time-consuming and ineffective. Let’s look at the hybrid budgeting method.

This is a combination of using your online checking account and your credit card. It takes you to devote about an hour of your time preferably on a weekend to get it going. It will require your daily attention for a few minutes to simply jot down your transactions for the day. A credit card is a convenient, secure tool that helps us with our daily lives, and every time you use it you earn cash back, not every credit card offers this though. This is the only credit card I recommend to have, no others just this one and only. Same with a checking account it's just another tool to help us to keep a close eye on what’s coming in and out. You might ask, why just not have a debit card and not even bother credit card?

I prefer working with credit card, my main reason is that it provides very good security over your account. Debit card does not, and secondly, many credit card banks pay you cash back, and thirdly, you can put a credit limit on your credit card. Why it is important to establish your credit card limit? Let’s look at it. Here I would like to make a disclosure. If you are a business owner, please make sure to separate your business bank account from your personal. Right now, I am talking only about regular personal checking and credit card accounts.

To establish your hybrid budget method:

1. List all checking bill pay transactions you pay monthly. Establish a three-month average for every bill. Total all the bills and designate this amount as your Bill Pay budget.
2. List all credit card transaction categories and establish the average of three months. Set the credit card limit to the established budget.
3. Have daily Money Squad time to record daily transactions analyzing for the next month. Get your Monthly Money Time to get your budget ready for the new month.

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 messaging Click Here 

✔️ FREE PRIVATE COMMUNITY: become a member of a Simple Money Systems Facebook group 

✔️ NEWSLETTER: join Simple Money Systems weekly news https://dianagalas.com/newsletter

✔️ TAKE WEALTHY QUIZ: discover your financial strengths and growth areas https://dianagalas.com/wealthy-quiz 

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 your own just to end up with more overwhelm. Today I want to talk about how you can be confident in growing your financial freedom and how Simple Money systems can help you gain needed knowledge, guidance, and financial accountability. I know you’ve been swirling around stuck on how to gain control over your spending. You have basic ideas, you feel like well, you are way too multifaceted to sit down and look at your financials and you keep hitting this wall. Simple Budgeting is a four-week framework that takes you through 4 steps to get you on the financial track with your custom-built budget. You just going to simply go through this method and you going to get clarity, you going to know exactly how much money you are making and where your money is going. You are going to be able to create a spending plan. By week 3 you will know exactly what your budget is.  Maybe you just need a one-hour session with me to get you back on track. If you are so done wasting your time being confused about what spending or what debt to tackle first - a simple budget framework is your answer – it’s super affordable. You can start at $47. And as a bonus this time only for the first 5 candidates who booked a call with me, I offer free of charge all four coaching sessions building your Simple Budget Framework. You heard me right, I give away four weeks of 1 hour coaching a week to the first 5 candidates. My friend, you have nothing to lose but that life of uncertainty and those shackles of debt. Book a coaching call to chat about how working together could be the right fit. I am looking forward to hearing from you!

The main goal of my show and the Simple Budgeting coaching offer is to help you learn about your finances in simple, attainable steps. To show you a simple way how finances can become a fun part of your life. The Simple Money Systems is the place that is designed for you, so you know that you are part of the family and community of like-minded people.

When you join the Simple Money Systems Facebook community you will have access to knowledgebase and connect with other like-minded people. I am also answering questions there that you might very much benefit from. This is an organic group with a great source of accountability to help you through your financial journey.

You are so welcome to join my email insider team as well. Weekly I send emails with insights on the latest podcast topic that is practical with day-to-day experiences. I want you to concentrate on one thing today: meditate on what is the most important thing in your life and share your thoughts in our Facebook community.

If you need more detailed help with figuring out your finances I still have 5 spots available in my 1 hour debt-free budgeting coaching in the month of February. Sign up today because you are exceptional, above the crowd, with endless possibilities to dream and to live a victorious debt-free life with peace and confidence!

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 messaging Click Here 

✔️ FREE PRIVATE COMMUNITY: become a member of a Simple Money Systems Facebook group 

✔️ NEWSLETTER: join Simple Money Systems weekly news https://dianagalas.com/newsletter

✔️ TAKE WEALTHY QUIZ: discover your financial strengths and growth areas https://dianagalas.com/wealthy-quiz 

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 others as an emergency fund but I rather like to call it a special fund. Please take an hour this weekend and look at your bank, and credit card statements. Find your outstanding loan balances and get to your bottom line – find out if your cash flow. And if you do it’s great! Allocate some amount specifically to build your special fund. You will thank yourself when the time comes. If you need help you are welcome to get in touch with me without any pressure or anything to buy from me, to help you start with your budget. Schedule a time to call me! Come and join my Facebook group where you can be heard and connected with other moms like you. Go to the show notes right here and click the link to start.

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 messaging Click Here 

✔️ FREE PRIVATE COMMUNITY: become a member of a Simple Money Systems Facebook group 

✔️ NEWSLETTER: join Simple Money Systems weekly news https://dianagalas.com/newsletter

✔️ TAKE WEALTHY QUIZ: discover your financial strengths and growth areas https://dianagalas.com/wealthy-quiz 

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 money goes. Have your notebook, list some ideas with ways you can bring more money home, come up with a plan, get your budget up, and if you need help with it get in touch with me right below this episode in the Show Notes link right here. If you need to retouch your budget and have a question you are welcome to get into our Facebook group and let us know. Become an insider and receive weekly emails from me with notes of practical advice, get first-hand knowledge about upcoming offers or workshops – sign up right here:

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 messaging Click Here 

✔️ FREE PRIVATE COMMUNITY: become a member of a Simple Money Systems Facebook group 

✔️ NEWSLETTER: join Simple Money Systems weekly news https://dianagalas.com/newsletter

✔️ TAKE WEALTHY QUIZ: discover your financial strengths and growth areas https://dianagalas.com/wealthy-quiz 

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 value may drop but eventually, it will pick up and rise. So it is a very safe investment.

Here is a recap of today's topic in what ways high interest rates can be useful.

1. It helps you to build your home equity
2. It provides tax interest write-offs
3. It prompts you to clean your credit history
4. It points you to invest in real estate
5. It teaches you about the real estate market
6. It urges you to develop a budgeting habit

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 messaging Click Here 

✔️ FREE PRIVATE COMMUNITY: become a member of a Simple Money Systems Facebook group 

✔️ NEWSLETTER: join Simple Money Systems weekly news https://dianagalas.com/newsletter

✔️ TAKE WEALTHY QUIZ: discover your financial strengths and growth areas https://dianagalas.com/wealthy-quiz 

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 standing, unfortunate circumstances, maybe it’s a pang of guilt, procrastination, or anything else. Take this list and acknowledge it line by line by seeking help to overcome one obstacle at a time. Please do it now. Pray about a clear mind, about strength in your daily journey, working on a great mission with your exceptional child. Start your fearless budgeting by scheduling a free 10-15-minute discovery call with me to find out how you can jump-start your budget. Sign up for a free community membership with like-minded Moms just like you on Simple Money Systems Facebook Group. Become an insider and sign up for my weekly emails with encouragement and advice tips.  Contact me with any questions you might have. Home finances can be confusing but are so rewarding once you are on top of them. I would love to make it easier for you by hearing your thoughts and concerns. Take action now. If not now then it might be never – get your financial roadmap today!

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 messaging Click Here 

✔️ FREE PRIVATE COMMUNITY: become a member of a Simple Money Systems Facebook group 

✔️ NEWSLETTER: join Simple Money Systems weekly news https://dianagalas.com/newsletter

✔️ TAKE WEALTHY QUIZ: discover your financial strengths and growth areas https://dianagalas.com/wealthy-quiz 

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 can be? I also eat two snacks. Morning snuck between breakfast and lunch and afternoon snuck between Lunch and Dinner time. For my morning snack, I eat one fruit and for my afternoon snack, I take a closed fist of nuts. And friends, drink at least a gallon or 4 liters of water per day, please! One more very important advice: avoid consuming sugar in all shapes and forms at all costs.

I lost 15 pounds or 6.5 kilograms in 30 days by keeping this simple meal plan system. Use a grocery shopping list to keep your bank intact. Share your meal pictures and meal planning questions in FB private free group for accountability and support. Looking forward to hearing from you!

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 messaging Click Here 

✔️ FREE PRIVATE COMMUNITY: become a member of a Simple Money Systems Facebook group 

✔️ NEWSLETTER: join Simple Money Systems weekly news https://dianagalas.com/newsletter

✔️ TAKE WEALTHY QUIZ: discover your financial strengths and growth areas https://dianagalas.com/wealthy-quiz 

Show Notes:

This episode is about building your budget around your intellectual core needs to enjoy a fulfilling and happy life. 

Learn more:  www.dianagalas.com 

Discover - schedule a Free Call right here: https://calendly.com/dianagalas/coaching-call-booking 

Connect - become an Insider here: https://simple-money-systems.ck.page/ 

Engage – join FB here: https://bit.ly/timeforfacebook  or search for Simple Money Systems Facebook Group

Quick chat - DM on my Instagram: https://www.instagram.com/coach_diana_galas?igsh=ZDk4ZG05d2g3MjE4&utm_source=qr

Show Notes:

You need to take these 3 steps right now to start your budget work for you:

1. 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 accomplished today is sufficient and you gave your best effort.
2. Get your weekend Money Squad Time established – review the week’s expenses and prep for the upcoming week.
3. Close your Month-end and not just books – clean your Apps and files, purge your email inbox, and file your statements. Then review the past month's finances and adjust your budget for the upcoming month.

Incorporate these habits into your life. Make your finances part of your daily, weekly, and monthly routines.

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 messaging Click Here 

✔️ FREE PRIVATE COMMUNITY: become a member of a Simple Money Systems Facebook group 

✔️ NEWSLETTER: join Simple Money Systems weekly news https://dianagalas.com/newsletter

✔️ TAKE WEALTHY QUIZ: discover your financial strengths and growth areas https://dianagalas.com/wealthy-quiz 

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, and a positive mindset. It's not about seeking quick fixes but rather adopting a holistic approach to financial well-being. Commitment and consistency will get you there!

Links & Resources:

✔️ DEBT-FREE BUDGETING PROGRAM: apply for 6-week program at https://dianagalas.com/course 

✔️ FREE CHAT: send me a quick text via IG messaging Click Here 

✔️ FREE PRIVATE COMMUNITY: become a member of a Simple Money Systems Facebook group 

✔️ NEWSLETTER: join Simple Money Systems weekly news https://dianagalas.com/newsletter

✔️ TAKE WEALTHY QUIZ: discover your financial strengths and growth areas https://dianagalas.com/wealthy-quiz 

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.

1. Take good care of yourself
2. Have a structured routine
3. Create an inviting desk area
4. Organize financial paperwork
5. Have a paper planner
6. Know your money in and out
7. Have a financial plan
8. Learn new habits
9. Seek financial counseling

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 messaging Click Here 

✔️ FREE PRIVATE COMMUNITY: become a member of a Simple Money Systems Facebook group 

✔️ NEWSLETTER: join Simple Money Systems weekly news https://dianagalas.com/newsletter

✔️ TAKE WEALTHY QUIZ: discover your financial strengths and growth areas https://dianagalas.com/wealthy-quiz 

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 it be your blessing in disguise. Bring it to the others and those running with no stop missing on the most important, who are broke and lost. To those whose dreams were stolen with no hopes. Bring them a sense of a fresh start, new hope, and endless possibilities. Let them pause, and let them see the sunshine in the clouds. Let them know that their unfavorable circumstances will turn out to be even more beneficial and advantageous than they could ever imagine otherwise. Be that star in the darkest sky, let them find a way to the manger where the Child is born.

“We need to live, we have to live, we should live a life worth living for!” Diana Galas

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 messaging Click Here 

✔️ FREE PRIVATE COMMUNITY: become a member of a Simple Money Systems Facebook group 

✔️ NEWSLETTER: join Simple Money Systems weekly news https://dianagalas.com/newsletter

✔️ TAKE WEALTHY QUIZ: discover your financial strengths and growth areas https://dianagalas.com/wealthy-quiz 

Show Notes:

6 strategies on how to have more money

1. Create a Budget
2. Identify Essential vs. Non-Essential Expenses
3. Prioritize Basic Needs
4. Build an Emergency Fund
5. Save for Goals
6. 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 messaging Click Here 

✔️ FREE PRIVATE COMMUNITY: become a member of a Simple Money Systems Facebook group 

✔️ NEWSLETTER: join Simple Money Systems weekly news https://dianagalas.com/newsletter

✔️ TAKE WEALTHY QUIZ: discover your financial strengths and growth areas https://dianagalas.com/wealthy-quiz 

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 factors in how to do it effectively.

Financial success means achieving one's financial goals and the ability to meet personal or lifestyle needs without significant financial stress. It goes beyond the simple accumulation of wealth and can include various aspects such as financial stability, debt management, investment growth, budgeting skills, special needs planning, and financial freedom. Also, more detailed personal and financial goals can include homeownership, education, or starting a business.

1. Clearly identify short-term and long-term goals
2. Group your goals into categories
3. Categorize your goals based on their urgency and importance
4. Align priorities with your values
5. Evaluate the time and effort required for each task or goal
6. Balance short-term and long-term goals
7. Regularly assess and adjust your priorities
8. Learn to say no – understand your limits
9. Develop a plan to address your priorities systematically
10. Consult with trusted friends, coaches, or advisors to gain different perspectives on your priorities

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 messaging Click Here 

✔️ FREE PRIVATE COMMUNITY: become a member of a Simple Money Systems Facebook group 

✔️ NEWSLETTER: join Simple Money Systems weekly news https://dianagalas.com/newsletter

✔️ TAKE WEALTHY QUIZ: discover your financial strengths and growth areas https://dianagalas.com/wealthy-quiz 

Show Notes:

Episode 10: 3 Steps on How to Systemize Your Bill Pay – Use Online Bill Pay to Save Time and Money

1. 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.
2. Establish your “Money Squad” time, preferably at the end of the day and during your nightly routine.
3. Enter bills to online banking bill pay as they come.

Listen to related topic: Episode 4

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 messaging Click Here 

✔️ FREE PRIVATE COMMUNITY: become a member of a Simple Money Systems Facebook group 

✔️ NEWSLETTER: join Simple Money Systems weekly news https://dianagalas.com/newsletter

✔️ TAKE WEALTHY QUIZ: discover your financial strengths and growth areas https://dianagalas.com/wealthy-quiz 

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 truly celebrating by mindful eating. Do not let special events and festivities interact with your health. And the balance is the key. Happy partying!

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 messaging Click Here 

✔️ FREE PRIVATE COMMUNITY: become a member of a Simple Money Systems Facebook group 

✔️ NEWSLETTER: join Simple Money Systems weekly news https://dianagalas.com/newsletter

✔️ TAKE WEALTHY QUIZ: discover your financial strengths and growth areas https://dianagalas.com/wealthy-quiz 

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 until the borrowed amount is fully repaid.

Paying off debt brings various benefits.

1. Financial Freedom
2. Reduced Stress
3. Enhanced Savings
4. Cost Savings
5. Enhanced Financial Security
6. Increased Borrowing Power
7. Peace of Mind

Ditching debt is a step toward achieving financial independence allowing you to have more control over your financial future. It adds a boost in financial confidence and a belief in one's ability to manage money effectively.

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 messaging Click Here 

✔️ FREE PRIVATE COMMUNITY: become a member of a Simple Money Systems Facebook group 

✔️ NEWSLETTER: join Simple Money Systems weekly news https://dianagalas.com/newsletter

✔️ TAKE WEALTHY QUIZ: discover your financial strengths and growth areas https://dianagalas.com/wealthy-quiz 

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 emergencies and special needs by providing a financial safety net. Having an emergency fund can reduce the need for impulsive spending when unexpected expenses arise. A budget helps you create a structured plan for debt reduction by allocating more money toward debt repayment, reducing financial stress, and freeing up future income. It promotes mindful spending and encourages living within your means.

By providing structure and insights into your financial situation, a household budget serves as a powerful tool for managing money wisely fostering healthier spending habits.

1. Determine your monthly total income. 
2. List monthly expenses. 
3. After you list all your expenses break them down into categories such as housing, utilities, groceries, transportation, special needs, debt repayment, entertainment, and savings.
4. Assign a specific dollar amount to each expense category based on your past spending patterns or estimates.
5. Allocate a portion of your income for savings. This can include emergency funds, retirement savings, or other financial goals.

Periodically update your budget to reflect changes in income, expenses, or financial goals to ensure its continued relevance and effectiveness.

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 messaging Click Here 

✔️ FREE PRIVATE COMMUNITY: become a member of a Simple Money Systems Facebook group 

✔️ NEWSLETTER: join Simple Money Systems weekly news https://dianagalas.com/newsletter

✔️ TAKE WEALTHY QUIZ: discover your financial strengths and growth areas https://dianagalas.com/wealthy-quiz 

Show Notes:

This episode is about the importance of setting financial goals around emotional needs. Enjoy listening and learning important techniques while managing your financial life.

Learn more:  www.dianagalas.com 

Discover - schedule a Free Call right here: https://calendly.com/dianagalas/coaching-call-booking 

Connect - become an Insider here: https://simple-money-systems.ck.page/ 

Engage – join FB here: https://bit.ly/timeforfacebook  or search for Simple Money Systems Facebook Group

Quick chat - DM on my Instagram: https://www.instagram.com/coach_diana_galas?igsh=ZDk4ZG05d2g3MjE4&utm_source=qr

Show Notes:

In this episode, you will find practical solutions to help you right away in any season of your life.

1. 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
2. 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 – walk at least 10,000 steps each day. Drink plenty of water. Eliminate sugar and white flour from your diet. Listen to uplifting music, audiobooks, and podcast.
3. Invest in financial virtues such as home money management, and personal finance. Continuous learning and staying informed are crucial aspects of your financial well-being.
4. Define your priorities and goals, be strategic - this will help to guide you in the decision-making process
5. Assess, Adjust, and Adopt. Revisit your strategies on a weekly, monthly, and yearly basis by adapting to changes in the economic landscape. Remain open to new opportunities.

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 messaging Click Here 

✔️ FREE PRIVATE COMMUNITY: become a member of a Simple Money Systems Facebook group 

✔️ NEWSLETTER: join Simple Money Systems weekly news https://dianagalas.com/newsletter

✔️ TAKE WEALTHY QUIZ: discover your financial strengths and growth areas https://dianagalas.com/wealthy-quiz 

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 expectations, concentrate on what’s important to you and your family, explore cost-effective options, and focus on meaningful experiences. By managing your finances thoughtfully, you can savor Thanksgiving moments with a sense of ease and joy. Make your money be a blessing and let the Thanksgiving week start on the right note!

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 messaging Click Here 

✔️ FREE PRIVATE COMMUNITY: become a member of a Simple Money Systems Facebook group 

✔️ NEWSLETTER: join Simple Money Systems weekly news https://dianagalas.com/newsletter

✔️ TAKE WEALTHY QUIZ: discover your financial strengths and growth areas https://dianagalas.com/wealthy-quiz 

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 your dreams become your reality!

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 shaped me from being hopeless, lost, and confused to a life of contentment, fulfillment, and gratitude. From being broke, poor, and needy to a life of contentment, success, prosperity, and financial freedom.

Next Steps:

👉 Book your 1-hour Financial Clarity Session: dianagalas.com/coaching 👉 Get simple money tips and support: dianagalas.com/newsletter

👉 Join the free Facebook support community for Special needs mothers: https://dianagalas.com/community

👉 Feeling led to support our special needs ministry? Contribute here: dianagalas.com/ministry

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 magic notepad with a pan, find a quiet place with minimal distractions, get your hubby on your side, and let the fun begin! Talk to your husband and discuss your essential needs and priorities together. Prayerfully consider the next steps toward your financial freedom on what non-essential expenses you can agree to cut down.

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 shaped me from being hopeless, lost, and confused to a life of contentment, fulfillment, and gratitude. From being broke, poor, and needy to a life of contentment, success, prosperity, and financial freedom.

Next Steps:

👉 Book your 1-hour Financial Clarity Session: dianagalas.com/coaching 👉 Get simple money tips and support: dianagalas.com/newsletter

👉 Join the free Facebook support community for Special needs mothers: https://dianagalas.com/community

👉 Feeling led to support our special needs ministry? Contribute here: dianagalas.com/ministry