The Debt Free Mom Podcast

Hosted by Carly Hill

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About the show

On the Debt Free Mom Podcast, we answer the everyday questions that keep you from experiencing progress and contentment in your home finances. Host Carly Hill (aka Debt Free Mom) sits down with a guest and dives into a specific roadblock in their money management. Each episode uncovers the reality of where your money is going, builds a realistic plan for reaching your goals, and establishes the healthy money mindsets needed to make that plan stick. Want to join Carly as a guest on the show to get answers to your money questions? Visit DFMpodcast.com for more info. Connect with Carly on Instagram @debtfree.mom , and check out the best-selling pay period budget template at debtfreemom.co/template .

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60 recent

38 min

85. Personal Budgeting Is Hard (Even for Accountants!)

For today's episode, I sit down with Lauree for a budget coaching call to help her set up a pay period budget. Lauree is an accountant who manages numbers for a living but has struggled to feel in control of her own finances. If you’ve ever felt embarrassed that money management should be easier for you than it is, you’ll resonate with Lauree's story.If you'd like to watch the full coaching call and see me build Lauree's budget, check out the extended video call of this episode on the Debt Free Mom YouTube Channel.Together, we walk through:Why personal budgeting feels different (and harder) than professional accountingHow to map out income and expenses by pay period for a clearer picture of cash flowSetting realistic goals for an emergency fund before tackling debtThe role of buffers and sinking funds to make your budget sustainableWhy deficits in certain pay periods don’t mean you’re “bad with money”By the end of the call, Lauree has a customized spreadsheet budget that aligns with her income schedule, covers her family’s needs, and sets her on the path toward building a starter $4,000 emergency fund and paying down high-interest debt.If you’ve ever downloaded an app, felt overwhelmed, and thought, “Why is this so hard for me?”, this episode will encourage you that you’re not alone, and you’ll walk away with practical steps to make your budget work in real life.Want to have a budget by pay period built for you (either by email or on a coaching call like this video!), use code YOUTUBE20 for $20 off any custom budget! www.debtfreemom.co/custom Advertising Inquiries: https://redcircle.com/brandsPrivacy & Opt-Out: https://redcircle.com/privacy

47 min

84. Realistic Mealtimes & Family Dinners with Madison from Cook at Home Mom

In this encouraging episode, Carly is joined by Madison, founder of Cook at Home Mom, to talk all things realistic mealtimes for busy families. Madison shares her journey from frozen pizza queen to home-cooking advocate and offers practical advice for making dinnertime less stressful and more meaningful.They dive into topics like:How to simplify meal planning (even if you're Type B)What to do when the 5 PM chaos hitsCreating a family rhythm around shared mealsInvolving kids of all ages in meal prep (without losing your mind)Letting go of unrealistic expectations (spoiler: your 4-year-old won’t sit for 30 minutes)Building appreciation and connection through shared responsibilityWhether you're a brand-new mom wondering how to get food on the table, or you're in the thick of dinnertime with multiple kids and mounting stress, this episode is packed with relatable stories, helpful strategies, and a whole lot of grace.Mentioned in this episode:The “hands!” method for serving dinnerKid-safe knives and stools to help little ones join inThe power of planning just a few meals a weekWhy it’s okay if your mealtime doesn’t look like a Norman Rockwell paintingTune in for realistic encouragement and ideas you can try tonight — even if your kitchen is already a mess.Connect with Madison:Instagram: @cookathomemomWebsite: www.cookathomemom.comPodcast: The Vine The Balanced Dinner Club - coming soon!Follow Debt Free Mom for more realistic money and motherhood conversations:Instagram: @debtfree.momWebsite: debtfreemom.coAdvertising Inquiries: https://redcircle.com/brandsPrivacy & Opt-Out: https://redcircle.com/privacy

35 min

83. Feeding the Family on the Road with Natalie Johnson

Today's guest is Natalie Johnson: A mom of 5 in Ohio who shares her tips for feeding the family both at home and on the road on Instagram at www.instagram.com/homebeginswithloveIn today's episode we cover:food on travel daysin hotelsin rentalsin other people's homeshow to make food easier even if it's not from a restaurant.Check out her instagram account and subscribe to the Debt Free Mom Podcast!Advertising Inquiries: https://redcircle.com/brandsPrivacy & Opt-Out: https://redcircle.com/privacy

38 min

82. Virtual Assistant as a Side Hustle or Career

Laura Jennings began virtual assisting as a small supplemental income and quickly worked her way up to a clientelle that replaced her 9-5 job, allowing her to work from home, control her schedule, and earn more for her family.She now offers coaching services to help women discover the skills they already have that are sought after as a virtual assistant and land that first client!Whether you want a couple hundred dollars a month extra to speed up your financial goals OR you're looking to switch careers and intrigued by the idea of being a virtual assistant, today's episode and Laura's story can help you see if this is something that you can do too!Download Laura's Career Switch Cheat Sheet: https://www.laurajtraining.com/career-switch-guest-podcastFree workshop about becoming a virtual assistant: https://www.laurajtraining.com/masterclass-registration-guest-podcastYour Virtual Assistant Coach Podcast: https://www.laurajtraining.com/your-virtual-assistant-coach-podcastLaura's Social Media: @hey.lauranicoleAdvertising Inquiries: https://redcircle.com/brandsPrivacy & Opt-Out: https://redcircle.com/privacy

40 min

81. We Bought a House - Again!

After a whirlwind move out of homeownership and back into renting in the summer of 2023, followed by several months of house hunting with failed offers and almost no inventory, we are currently under contract on a home in Illinois.It will mean lots of change for our family and we dive into how this house is different (but also better!) than the wishlist we had for our family.Subscribe to follow along with our process here as well as on Instagram: www.instagram.com/debtfree.momNeed a budget by pay period to organize your income and expenses into a plan that matches your bank account? Get the bestseller $9 Debt Free Mom budget template here!Advertising Inquiries: https://redcircle.com/brandsPrivacy & Opt-Out: https://redcircle.com/privacy

45 min

80. Wealth is a Mindset with Shang Saavedra

Today's guest is Shang Saavedra. She comes on the show to discuss her new book Wealth is a Mindset. Shang is an author, coach, and the Founder and CEO of Save My Cents.Shang's Website: www.savemycents.comFollow Shang on InstagramPurchase the book Wealth is a Mindset---------------------Interested in the magical Little Green Machine mentioned in the episode? Check it out here!Stay in touch with Debt Free Mom by joining our newsletter list! We send emails less than 3 times per month and only when we have something we really want to share!Advertising Inquiries: https://redcircle.com/brandsPrivacy & Opt-Out: https://redcircle.com/privacy

17 min

79. Feed the Family: Nothing Bad will Happen

Today's episode kicks off our Feed the Family month! I talk about food spending and realistic meals for families all year long, but I like to take one month per year to narrow in on the mom math and realistic planning of feeding the family well!40 Aprons Butternut Squash ChiliPinch of Yum Kale Peanut Crunch SaladJoin the Care Creates Community as we hold each other accountable to feeding our family well this month! We'll be holding a Bingo challenge for creative ways to feed the family on a budget and there will be a drawing for 2 $100 Gift Cards for anyone who completes a bingo!Advertising Inquiries: https://redcircle.com/brandsPrivacy & Opt-Out: https://redcircle.com/privacy

40 min

78. Smart Car Buying with The Car Mom, Kelly Stumpe

Kelly Stumpe aka the Car Mom takes a cheerleader approach to helping moms and families choose their next car confidently. Her enthusiasm for the car industry combined with her expertise as a car salesperson, mom of 4, and child passenger safety technician all come together to make her the voice I listen to for all things cars!You can find The Car Mom on instagram for daily stories, car tours, and the latest industry infoHer website offers car buying resources as well as consultations to help you choose your next car.The Carpool Podcast with Kelly and Lizz is your mom break from entertaining and lighthearted conversations about everything from movies and recipes to car news and parties.Advertising Inquiries: https://redcircle.com/brandsPrivacy & Opt-Out: https://redcircle.com/privacy

29 min

77. What Kyle is Looking for in a House

A few weeks ago I shared what I'm looking for in a house. I wanted to include Kyle on that episode but he was completely out of commission sick with the flu! So this week he comes on the podcast to share his thoughts: what we are both looking for but also where we have different priorities. If you feel like you're not making the best use of your paycheck, try the Debt Free Mom Budget Template. It's a one time cost of $9, includes space for your whole year in one document, and comes with a couple tutorial videos to get you started. Join over 7,000 other people who have downloaded this template and start budgeting confidently today!I'm 6 months into a commitment to buy 10 items or less on Amazon. Each month I save what I bought to a list and you can see exactly what I've bought here!Advertising Inquiries: https://redcircle.com/brandsPrivacy & Opt-Out: https://redcircle.com/privacy

45 min

76. How We Became Debt Free

When I started the Debt Free Mom instagram account, I had already been debt free for 3 years. But that doesn't mean we didn't have years of struggling to make ends meet, realizing money mistakes we made, or paying off debt while also having 3 sons in 39 months.Today's episode spans from December 2011 when we got married to April 2019 when we bought our first house. Sometimes we met our goals faster than we imagined, other times we grappled with over a year of paying our bills and nothing else. And what was one of the keys to our success? Budgeting by pay period for our biweekly income. This allowed me to maximize every dollar we made and meet our goals even when our income never exceeded $60,000. If you feel like you're not making the best use of your paycheck, try the Debt Free Mom Budget Template. It's a one time cost of $9, includes space for your whole year in one document, and comes with a couple tutorial videos to get you started. Join over 7,000 other people who have downloaded this template and start budgeting confidently today!Advertising Inquiries: https://redcircle.com/brandsPrivacy & Opt-Out: https://redcircle.com/privacy