Learn how to become debt-free as a single mom with proven budgeting strategies and financial tips. In this episode, I share my personal debt-free journey from $6,000 in credit card debt to complete financial freedom in 6 months.

What You'll Learn:

• How to create a budget for single moms that actually works

• Debt payoff strategies for working moms on a tight budget

• Living below your means without sacrificing quality of life

• Best budgeting apps and tools (including Ally Bank savings buckets)

• Dave Ramsey Baby Steps explained for single parents

• Christian financial principles and biblical money management

• How tithing 10% can transform your finances

Perfect for: Single moms struggling with credit card debt, working mothers trying to budget on one income, Christian women seeking faith-based financial advice, anyone wanting to break the paycheck-to-paycheck cycle

Topics covered: single mom finances, debt-free living, budget tips, financial freedom, emergency fund, Dave Ramsey method, frugal living tips, Christian budgeting, money management for moms, getting out of debt fast

Resources mentioned:

Ally Bank: https://www.ally.com/bank/checking-and-savings-accounts/

The Ramsey Show: https://podcasts.apple.com/us/podcast/the-ramsey-show/id77001367

*this is not financial advice, but simply education and resource information*

#SingleMomFinances #DebtFree #BudgetingTips #ChristianFinance #MoneyManagement #DebtPayoff #FinancialFreedom #SingleMomLife

https://victoriagharis.com/

It hit me recently that it’s been ten years since I was 17—and the life I imagined at 27 looks very different than what I’m living now.

In this episode, I share three things I’ve learned from walking with Christ over the last decade. These lessons come from seasons of growth, disappointment, obedience, and learning to trust God when the future felt unclear.

If you’ve ever felt behind, questioned your timeline, or wondered what following Jesus actually looks like in everyday life, this episode is for you. My hope is that it encourages you to keep walking, even when the path doesn’t make sense yet.

I may be sharing what I’ve learned about finances and stewardship next week—so make sure you’re subscribed.

👉MONTHLY NEWSLETTER LINK: https://victoria-gharis.kit.com/endofmonth

👉Patreon Link: https://www.patreon.com/c/VictoriaGharis

By week 3 of the new year, most New Year’s resolutions start to fall apart—and that doesn’t mean you’re lazy or undisciplined. It means motivation was never enough to begin with.

In this episode, I’m sharing a real, honest check-in on where I’m at right now and the simple systems I’m using to stay intentional with my time, habits, and energy—even when motivation is gone.

We’re talking practical changes, not perfection.

In this episode, you’ll hear:

• ​Why New Year’s resolutions typically fail by week 3
• ​How reducing screen time is helping me focus, create, and enjoy life more
• ​The exact tools I’m using to stay organized and follow through on tasks
• ​How I’m building habits that actually fit my real life as a mom and working woman
• ​Why systems matter more than goals (and the quote that changed how I think about habits)

If you’re feeling behind, distracted, or frustrated with yourself this January, this episode is your reminder that small, intentional systems can change everything over time.

✨ Links mentioned in this episode:

• ​How to add the Screen Time widget on iPhone
• ​https://asana.com/
• ​Monthly newsletter sign-up for recommendations and resources ( https://victoria-gharis.kit.com/endofmonth)

Don’t forget to subscribe, leave a review, and share this episode with a friend who needs a reset—not another resolution.

See you next week 💛