The Debt Pay Off Podcast for Women

Hosted by Katy Almstrom

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Episodes

188

Latest episode

Jun 2026

Language

EN-US

About the show

Welcome to The Debt Pay Off Podcast for Women! 👋 The go-to show for women ready to leave the roller coaster of debt behind. I'm here to help you pay off debt, reduce money stress, and tackle 2025 with a fresh financial start. 💳 If "break up with credit cards" is on your to-do list, you're in the right place! Imagine cozy chats, inspiring interviews, and practical tips—everything you need to fuel your journey to financial freedom. Think of this podcast as your trusted guide, especially if debt has been weighing you down. So grab your favorite drink (I'll have coffee!), settle in, and let's dive into the tools for mastering your money. Because your financial future is brighter than ever! 🎁 FREE RESOURCE: Want to pay off your credit cards? Grab the guide that's helped hundreds of women start their debt-free journey: www.katyalmstrom.com/9-Ways 📱 Connect with Katy on Instagram: www.instagram.com/katy_almstrom 👥 Join our supportive FB Community: www.facebook.com/groups/debtpayoffforwomen

Listen to episodes

60 recent

September 10, 202610 min

187. Debt Payoff Doesn't Mean No Fun: Let's Talk About Fun Money

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 plan How Scott and I split fun money equally and keep it separate What I actually spend my fun money on What'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

June 11, 202610 min

Fan Favorite: 166. The 5 Stages of Money Confidence (Where Are You?)

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

May 26, 20269 min

186. How to Plan for Summer Without Going Into Debt

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 year How to brain dump and price out EVERYTHING summer might cost The difference between what summer could cost and what you can afford How to make choices now (not in July when you're already over budget) Why planning for "summer fun money" matters How to have a great summer without credit card debt 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

May 15, 20269 min

185. Spring Clean Your Money: The Financial Reset You Actually Need

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 about Why you need to review your autopay bills right now What to do with your sinking fund as summer approaches How decluttering your house can put money back in your pocket Why planning June NOW saves you from summer money stress 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

April 30, 202611 min

184. Done With Debt Part 5: How to Keep Going When Debt Payoff Feels Slow (Staying Motivated for the Long Game)

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

April 23, 202610 min

183. Done With Debt Part 4: What to Do When You Want to Use Your Credit Card Again (Handling Obstacles)

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

April 16, 202611 min

182. Done With Debt Part 3: Your Debt Snowball Game Plan (Where to Start When You Have Multiple Debts)

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

April 9, 202612 min

181. Done With Debt Part 2: Why You Need to Save Money BEFORE Paying Off Debt (And How Much)

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 for How to build a sinking fund for things you KNOW are coming How to look ahead 2-3 months and actually plan your spending Why this gets you debt-free faster than throwing everything at debt and using cards again This 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

April 2, 202610 min

180. Done With Debt Part 1: How to Actually Stop Using Your Credit Cards (The First 30 Days)

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 cards The small buffer you need in checking to avoid panic-swiping How to plan for your specific temptation moments before they happen This 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

March 26, 20267 min

179. The One Money Goal That Actually Matters in 2026

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 stuck The one goal that actually creates lasting change (and why it works better than specific number goals) How to build momentum that compounds throughout the year 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