If your income isn't the same every month, most budgeting advice doesn't work for you - and that can leave you feeling like you just can't plan at all. In this episode, I'm walking through how to build a real, workable money plan even with irregular income: finding your "floor" (your lowest realistic month), building your plan around that number, and deciding in advance where extra money goes when a good month happens. Irregular income doesn't mean no plan. It just means a different kind of plan.

You'll learn:

• Why traditional monthly budgeting breaks down with irregular income
• How to find your income "floor" and why it matters more than your average
• How to build a spending plan that works even in your worst month
• Why deciding where overflow goes in advance changes everything
• How your sinking fund becomes an even bigger safety net with unpredictable income

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

These aren’t big dramatic money mistakes. They’re small, quiet habits that feel responsible (or at least harmless) but slowly wreck your relationship with your own money. In this episode, I’m walking through five sneaky patterns I see all the time: letting someone else hold your money so you don’t have to look at it, avoiding your bank balance, only talking about money in crisis mode, comparing your money to everyone else’s without knowing your own numbers, and using shame as motivation. You’ll probably recognize yourself in at least one.

You’ll learn:

• Why avoidance often disguises itself as practicality or privacy
• How outsourcing awareness (not just tasks) hurts your relationship with money
• Why regular, boring money conversations matter more than crisis conversations
• Why comparison without your own numbers is always unfair to you
• Why shame doesn’t build sustainable money habits

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

A few weeks ago, I told you Scott and I each get our own fun money every month, no questions asked. Now I'm putting my money where my mouth is - literally. In this episode, I'm walking through exactly how I spent my fun money in September. Every category, every purchase, no filter. If you've ever been curious what "guilt-free spending" actually looks like in practice (not just in theory), this one's for you.

You'll learn:

• Exactly where my fun money went this September
• What surprised me when I added it all up
• What guilt-free spending actually looks like in real life, not just theory
• How this system has actually helped Scott and me communicate better about money

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