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 fund
• Why celebrating small wins matters more than waiting for the big one
• How to know your plan is working even when the balance moves slowly
• The difference between restriction and intentional spending

This 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 cards
• What to do when social pressure makes you want to swipe
• Why planning your month ahead prevents most obstacles
• What 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 yet
• How to pick your strategy: snowball (smallest first) vs avalanche (highest interest first)
• How to number your debts in order so you have a clear roadmap
• How 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