Advertise on podcast: The Debt Pay Off Podcast for Women

What would it take to pay off $50,000 in consumer debt in just 8 months? I'm talking with my friend Morgan Brophy - President & CEO of the Upper Valley Business Alliance - about exactly that. Morgan shares her real, honest debt payoff story, including what actually changed to make this kind of progress possible. We get into the "envelope method" Morgan grew up using (and still uses today, just with bank accounts instead of literal envelopes) - including how she pays herself an "allowance." We talk about the financial education she got as a kid, including being handed a small inheritance at 21 and being pushed by her dad to research and understand her own investments before she could touch the money. And we dig into how she and her husband manage money together - full transparency, without micromanaging each other, while both maintaining financial independence. Morgan is refreshingly open about numbers, mindset, and the fact that there's no secret to building wealth - just time, consistency, and starting now. This episode is for you if: You want to hear a real, specific debt payoff story - not just theoryYou're curious how other couples split and manage money togetherYou didn't grow up with much financial education and want to know what actually helpsYou're ready to start thinking beyond debt payoff toward saving and investingYou want practical systems (like the envelope method) you can actually useYou'll learn: How Morgan paid off $50K in consumer debt in 8 monthsThe envelope method and how to "pay yourself an allowance"How financial education early in life shapes money habits for goodHow Morgan and her husband manage money with transparency and independenceWhy consistency - not a secret formula - is what actually builds wealthAbout Morgan: After a 15-year career in the opera and classical music industry, Morgan moved back to the Upper Valley region of NH/VT from Washington, DC. She's now President & CEO of the Upper Valley Business Alliance, supporting nearly 500 local businesses. She's also co-founder of Artist Relief Tree, a mutual aid organization that raised and redistributed nearly $750k to 3,000 artists worldwide during COVID. Morgan lives in Claremont, NH with her husband and their three cats. Get Morgan’s playlist here: https://open.spotify.com/playlist/4dK24QigkhumcyRAqYKGN6 Get 9 Ways to Break Up With Your Credit Cards www.katyalmstrom.com/9-ways Book a free consultation call with Katy: calendly.com/almstromcoaching/moneywisechat The best way to connect with Katy online is in the Debt Payoff for Women Community! www.facebook.com/groups/debtpayoffforwomen

If you've ever sworn you'd meal plan this week and then hit 5pm exhausted and ordered takeout again... or said yes to one more commitment because saying no felt impossible... this episode is for you. I'm talking with my friend Valerie Recore, a productivity coach for moms, about something we don't talk about enough: the connection between overwhelm and overspending. We dig into why "doing it all" - as a mom, in your career, in life - quietly drains your bank account through convenience spending. The takeout you didn't plan for. The subscription you signed up for because you were too tired to figure out another solution. The money that leaks out when you're just trying to survive the day. We also talk about saying yes to the right things and no to everything else - and why that skill matters just as much for your money as it does for your time. This isn't a typical money conversation. It's about the overwhelm underneath the overspending, and how getting a handle on one helps you get a handle on the other. This episode is for you if: You feel like you're always "on" and never catching upYou've noticed you spend more when you're overwhelmed or exhaustedYou say yes to things you don't have room for (and then feel resentful or drained)You want to feel less scattered - in your time AND your moneyYou're a mom trying to do it all and wondering why it feels so hard (and expensive)You'll learn: Why overwhelm leads to convenience spending (and how to catch it before it happens)How to start saying no without the guiltValerie's approach to prioritizing what actually mattersPractical ways to create more breathing room in your day - which creates more breathing room in your bank account tooConnect with Valerie:  https://www.instagram.com/strideproductivity https://strideproductivity.com/ Get 9 Ways to Break Up With Your Credit Cards www.katyalmstrom.com/9-ways Book a free consultation call with Katy: calendly.com/almstromcoaching/moneywisechat The best way to connect with Katy online is in the Debt Payoff for Women Community! www.facebook.com/groups/debtpayoffforwomen

I'm back! After a summer break, I'm easing back into the podcast with one of my favorite topics: fun money and how it fits into debt payoff. A lot of people think paying off debt means cutting out everything fun for years - but that's not how I've done it, and it's not how my clients do it either. In this episode, I'm sharing exactly how Scott and I handle fun money in our marriage - how much, how it's split, and what I actually spend mine on. Plus, I'm giving you a preview of what's coming: two interviews I'm excited to share (with my friends Valerie Recore and Morgan Brophy), and in a few weeks, I'll be back with the real, unfiltered breakdown of exactly how I spent my fun money in September. You'll learn: Why fun money is a key part of a sustainable debt payoff planHow Scott and I split fun money equally and keep it separateWhat I actually spend my fun money onWhat's coming next on the podcast (two interviews + my September fun money breakdown)Get 9 Ways to Break Up With Your Credit Cards www.katyalmstrom.com/9-ways Book a free consultation call with Katy: calendly.com/almstromcoaching/moneywisechat The best way to connect with Katy online is in the Debt Payoff for Women Community! www.facebook.com/groups/debtpayoffforwomen

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 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?  Get 9 Ways to Break Up With Your Credit Cards www.katyalmstrom.com/9-ways Book a free consultation call with Katy: calendly.com/almstromcoaching/moneywisechat The best way to connect with Katy online is in the Debt Payoff for Women Community! www.facebook.com/groups/debtpayoffforwomen Get 9 Ways to Break Up With Your Credit Cards www.katyalmstrom.com/9-ways Book a free consultation call with Katy: calendly.com/almstromcoaching/moneywisechat The best way to connect with Katy online is in the Debt Payoff for Women Community! www.facebook.com/groups/debtpayoffforwomen

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, figuring out what you can actually afford, and making choices NOW instead of scrambling later. Summer can be fun. You just need a plan. You'll learn: Why summer spending sneaks up on you every single yearHow to brain dump and price out EVERYTHING summer might costThe difference between what summer could cost and what you can affordHow to make choices now (not in July when you're already over budget)Why planning for "summer fun money" mattersHow to have a great summer without credit card debtGet 9 Ways to Break Up With Your Credit Cards www.katyalmstrom.com/9-ways Book a free consultation call with Katy: calendly.com/almstromcoaching/moneywisechat The best way to connect with Katy online is in the Debt Payoff for Women Community! www.facebook.com/groups/debtpayoffforwomen

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 clean up your money. You'll learn: How to find (and cancel) subscriptions you forgot aboutWhy you need to review your autopay bills right nowWhat to do with your sinking fund as summer approachesHow decluttering your house can put money back in your pocketWhy planning June NOW saves you from summer money stressGet 9 Ways to Break Up With Your Credit Cards www.katyalmstrom.com/9-ways Book a free consultation call with Katy: calendly.com/almstromcoaching/moneywisechat The best way to connect with Katy online is in the Debt Payoff for Women Community! www.facebook.com/groups/debtpayoffforwomen

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 WORKING even when progress feels slow. This isn't about deprivation. It's about being intentional. And when you do it this way, you actually make it to debt-free. You'll learn: Why slow doesn't mean miserable (and how to make debt payoff sustainable)How to include things you LOVE in your monthly plan and sinking fundWhy celebrating small wins matters more than waiting for the big oneHow to know your plan is working even when the balance moves slowlyThe difference between restriction and intentional spendingThis is Part 5 of 5. Go back and listen to Parts 1-4 if you haven't yet. Get 9 Ways to Break Up With Your Credit Cards www.katyalmstrom.com/9-ways Book a free consultation call with Katy: calendly.com/almstromcoaching/moneywisechat The best way to connect with Katy online is in the Debt Payoff for Women Community! www.facebook.com/groups/debtpayoffforwomen

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 options besides reaching for the card. This ties back to Episode 2's lesson: planning ahead and having a sinking fund removes most obstacles before you face them. You'll learn: The most common moments when you'll be tempted to use your card (and what to do instead)How to handle unexpected expenses without credit cardsWhat to do when social pressure makes you want to swipeWhy planning your month ahead prevents most obstaclesWhat to do if you use the card (just get back to not using it)This is Part 4 of 5. Start with Part 1 if you haven't listened yet. Get 9 Ways to Break Up With Your Credit Cards www.katyalmstrom.com/9-ways Book a free consultation call with Katy: calendly.com/almstromcoaching/moneywisechat The best way to connect with Katy online is in the Debt Payoff for Women Community! www.facebook.com/groups/debtpayoffforwomen

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 debt payoff roadmap. So when your sinking fund is set and you're ready to attack debt, you know exactly which one you're focusing on and why. You'll learn: Why you need a debt payoff plan even though you're not making extra payments yetHow to pick your strategy: snowball (smallest first) vs avalanche (highest interest first)How to number your debts in order so you have a clear roadmapHow the debt snowball actually works (minimums on everything except your target debt)When you'll actually start making extra payments (after your sinking fund is set)This is Part 3 of 5. Start with Part 1 if you haven't listened yet. Get 9 Ways to Break Up With Your Credit Cards www.katyalmstrom.com/9-ways Book a free consultation call with Katy: calendly.com/almstromcoaching/moneywisechat The best way to connect with Katy online is in the Debt Payoff for Women Community! www.facebook.com/groups/debtpayoffforwomen

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 episode, I'm breaking down why you need to build a sinking fund BEFORE aggressively paying off debt, and how to actually plan for the things you know are coming instead of acting surprised every time. You'll learn: Why the debt payoff roller coaster keeps you stuck (it's not bad luck, it's lack of planning)The difference between emergencies and predictable expenses you're not planning forHow to build a sinking fund for things you KNOW are comingHow to look ahead 2-3 months and actually plan your spendingWhy this gets you debt-free faster than throwing everything at debt and using cards againThis is Part 2 of 5. Start with Part 1 if you haven't listened yet. Get 9 Ways to Break Up With Your Credit Cards www.katyalmstrom.com/9-ways Book a free consultation call with Katy: calendly.com/almstromcoaching/moneywisechat The best way to connect with Katy online is in the Debt Payoff for Women Community! www.facebook.com/groups/debtpayoffforwomen

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 theory. Not 'just stop' advice. Real strategies that work when life gets expensive and temptation hits. You'll learn: Why the first 30 days are the hardest (and what's actually happening in your brain)How to create physical and digital distance between you and your cardsThe small buffer you need in checking to avoid panic-swipingHow to plan for your specific temptation moments before they happenThis is Part 1 of 4. Listen to the whole series starting here. Get 9 Ways to Break Up With Your Credit Cards www.katyalmstrom.com/9-ways Book a free consultation call with Katy: calendly.com/almstromcoaching/moneywisechat The best way to connect with Katy online is in the Debt Payoff for Women Community! www.facebook.com/groups/debtpayoffforwomen

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 aim for. You'll learn: Why having too many money goals keeps you stuckThe one goal that actually creates lasting change (and why it works better than specific number goals)How to build momentum that compounds throughout the yearGet 9 Ways to Break Up With Your Credit Cards www.katyalmstrom.com/9-ways Book a free consultation call with Katy: calendly.com/almstromcoaching/moneywisechat The best way to connect with Katy online is in the Debt Payoff for Women Community! www.facebook.com/groups/debtpayoffforwomen

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 - if you decide it is. You'll learn: What "breakthrough years" actually look like (spoiler: not perfection)The three things that make THIS year different from every other yearHow to envision your own breakthrough year and take the first step toward itGet 9 Ways to Break Up With Your Credit Cards www.katyalmstrom.com/9-ways Book a free consultation call with Katy: calendly.com/almstromcoaching/moneywisechat The best way to connect with Katy online is in the Debt Payoff for Women Community! www.facebook.com/groups/debtpayoffforwomen

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 momentum. You'll learn: Why having too many debt payoff options actually keeps you stuckThe only three things you need to do THIS WEEK to start paying off debtWhy the "wrong" strategy you actually do beats the perfect strategy you never start Get 9 Ways to Break Up With Your Credit Cards www.katyalmstrom.com/9-ways Book a free consultation call with Katy: calendly.com/almstromcoaching/moneywisechat The best way to connect with Katy online is in the Debt Payoff for Women Community! www.facebook.com/groups/debtpayoffforwomen

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 tactical steps to actually move from knowing to doing. Because at some point, you have to stop learning and start taking action. You'll learn: The 3 real reasons you're stuck The one thing to do this week to break the paralysisHow to have the money conversation with your partner if you're not on the same pageGet 9 Ways to Break Up With Your Credit Cards www.katyalmstrom.com/9-ways Book a free consultation call with Katy: calendly.com/almstromcoaching/moneywisechat The best way to connect with Katy online is in the Debt Payoff for Women Community! www.facebook.com/groups/debtpayoffforwomen