Budgeting With Confidence | God-Led Budgeting, How to Stick to Your Budget for Moms, Save Money, Manage Money, Money Habits and Routines, Money Mindset

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Questions? Email me at mollybenell@gmail.com

152. The #1 Thing You Need to Create a Stable Income and Live In Financial Security.

Tue, 13 Jan 2026 06:00:00 -0600

Hey Friend!

Do you currently live paycheck to paycheck? Are you paying bills first and living off of what is remaining bringing inconsistency to your budget? Does this make it hard to save money and reach your financial goals? Are you ready to live in financial security?

After today, you are going to know what it takes to create a stable income even with inconsistent paychecks and bills causing you to ride the feast or famine rollercoaster.

So go get your drink, open your heart to God and I’ll see you inside!

Much Love

Molly

P.S. I have a BUDGET PLANNER and next week I am revealing what it looks like. Make sure you join the Budgeting With Confidence Facebook Community or become an insider so that you can see what the planner is going to look like, what it will do for you and learn all of the details behind how you can pre-order your planner. Plus take one more step by setting up your Kickstarter account so that you can be one of the first to pre-order and get a special launch day only pricing.

Next Steps:

Set Up Your Kickstarter Account

Questions? Email me at mollybenell@gmail.com

Resources:

151. Why Financial Goals Fail and How to Start Achieving Them.

Tue, 06 Jan 2026 06:00:00 -0600

Hey Friend!

How many times have you set a goal only to forget about it, or push it off never actually achieving it? There are many reasons behind why this can happen. Maybe it wasn’t truly important to you, maybe life got in the way and it had to take a backseat, maybe you feel like you don’t make enough money so you don’t even try.

That is why in today’s episode we are going to talk about the 4 main reasons behind why goals fail and 4 steps you can take to change your narrative and start reaching your goals.

So go get your drink, open your heart to God and I’ll see you inside!

Much Love

Molly

P.S. I want to invite you to grab some Budget Coaching. This is where I walk you through setting up your budget and coach you through sticking to it. To learn more, email me at mollybenell@gmail.com and let’s get you out of the overwhelm and into confidence.

Next Steps:

Questions? Email me at mollybenell@gmail.com

Resources:

150. New Year New Goals: Resetting Your Budget With God.

Tue, 30 Dec 2025 06:00:00 -0600

Hey Friend!

I love the beginning of the year. All of the possibilities that could happen. All of the dreaming and goal setting and planning. It just lights me up! I lOVE IT!

But if I’m not careful I can go overboard and it can easily turn into overwhelm. That is why today I want to walk you through 6 steps to help you with your yearly budget planning session. AND to make sure that you are doing it with and for God instead of leaning into your own strength because when you do these things alone, it is so much harder.

So go get your drink, open your heart to God and I’ll see you inside!

Much Love

Molly

Next Steps:

124. Base Budgeting: The #1 Way to Live on Less and Save More

Questions? Email me at mollybenell@gmail.com

Resources:

149. Is Money Stressful? Get Better at Budgeting When You STOP This!

Tue, 23 Dec 2025 06:00:00 -0600

Hey Friend!

Are you sick of feeling like you aren’t good at budgeting? Like no matter what you do you will never be able to stick to your budget. All this does is fuel your stress, worries and anxiety making budgeting hard and a task you don’t ever want to do.

This is a common feeling and something that can be managed with the flip of one little thought. It’s this one thought that is keeping you from sticking to your budget and feeling like a failure every time you attempt to budget. And it’s this one little thought that we are going to be talking about in this episode so that you can start budgeting with less stress!

So go get your drink, open your heart to God and I’ll see you inside!

Much Love

Molly

Next Steps:

Questions? Email me at mollybenell@gmail.com

148. Learn How to Stick to Your Budget and Stop Pushing It Aside.

Tue, 16 Dec 2025 06:00:00 -0600

Hey Friend!

How often do you set up a budget, only to have life happen so you let go of your plans and goals because the thing in the moment feels more pressing? Then you’re upset because you aren’t happy with the choice you made?

That is what this episode is all about! Learning how to stick to your budget so that you can make strong confident decisions in the moment that you won’t regret later.

So go get your drink, open your heart to God and I’ll see you inside!

Much Love

Molly

Next Steps:

Questions? Email me at mollybenell@gmail.com

147. Start Reaching Your Goals by Shifting Your Money Mindset With God.

Tue, 09 Dec 2025 06:00:00 -0600

Hey Friend!

Your mind is a powerful tool. What you and constantly think about and believe are going to be what makes your decision on anything that you do.

Life is unpredictable, but your actions are not. When it comes to making decisions you default to the path you have taken in the past. Your routines and habits are what you revert to whether they were intentional or something you have just fallen into.

In this episode we are going to talk about the 6 areas that can make or break a financial decision. These 6 mindset struggles are what guide your financial decision making and I want to share with you what you can do to shift these mindsets so that you can go from stressed and overwhelmed to confident in your decision making. And how doing it with God will exponentially shift your mindset.

So go get your drink, open your heart to God and I’ll see you inside!

Much Love

Molly

Next Steps:

Questions? Email me at mollybenell@gmail.com

146. 3 Reasons Why You Feel Like You Need More Money and How Your Budget Can Help.

Tue, 02 Dec 2025 06:00:00 -0600

Hey Friend!

Finish this sentence for me.

If only I had more money I could… go on vacation, pay off debt, be financially stable, handle unexpected expenses, buy the thing you really want and more.

This belief can be very dangerous! It can lead to many negative thoughts and cause you to become angry, unhappy, stressed, overwhelmed and so much more. Because you are thinking thoughts that are not life giving, but life taking.

That is why in this episode I wanted to help bring to light 3 of the biggest reasons you believe more money is the answer to your problems and what you can do to let that belief go.

So go get your drink, open your heart to God and I’ll see you inside!

Much Love

Molly

Next Steps:

Questions? Email me at mollybenell@gmail.com

145. How to Organize Your Money So You Can Stick to It.

Tue, 25 Nov 2025 06:00:00 -0600

Hey Friend!

There is more to organizing your money than creating a budget.

That is why in this episode you are going to learn the 3 steps it takes to organize your money. This is how you will be able to easily see what is going on and make solid financial decisions that won’t affect your future. This is how you will be able to track your money without having to do math. This is how you are going to be able to stick to your budget and reach your goals because you have a plan, but not only that you have a way to see how that plan is doing in real time.

So go get your drink, open your heart to God and I’ll see you inside!

Much Love

Molly

Next Steps:

Questions? Email me at mollybenell@gmail.com

144. Feel Like You Don’t Make Enough Money? Learn Why and How to Stop It.

Tue, 18 Nov 2025 06:00:00 -0600

Hey Friend!

Ever feel like you don’t make enough money, have enough money or like you need more money to do the things you want in life?

This is such a common feeling, especially when you are riding the paycheck to paycheck rollercoaster with no true idea what you are doing with your money. It’s hard to make decisions. It’s hard to stay on budget. It’s hard to reach your goals. That is why it can become so easy to push away your budget because it feels pointless. Why should you set goals only to be disappointed because you don’t have the money to achieve them? There is always something getting in the way.

In this episode I am going to open your eyes to why you feel this way and then share what you can do to stop living this way. Make sure you have a pen and paper handy because you are going to need it today.

So go get your drink, open your heart to God and I’ll see you inside!

Much Love

Molly

Next Steps:

Questions? Email me at mollybenell@gmail.com

143. Can’t Stick to Your Budget? How to Know if It’s Your Budget or Mindset That’s the Problem.

Tue, 11 Nov 2025 06:00:00 -0600

Hey Friend!

Do you struggle to stick to your budget? Have you reworked it so many times that you don’t want to do it again? Are you ready for a budget that finally works?

In this episode I am going to challenge that thought. Your physical budget is only 50% of being able to stick to it. The other 50% is your mindset. That’s why in today’s episode I am going to share with you how to know if your budget is the problem or if it’s your mindset and what you can do about it.

So go get your drink, open your heart to God and I’ll see you inside!

Much Love

Molly

Next Steps:

Questions? Email me at mollybenell@gmail.com

142. Feel Like You Need More Money? How to Get Your Money Back by Budgeting.

Tue, 04 Nov 2025 06:00:00 -0600

Hey Friend!

Do you always feel like you need more money? Like you’re able to cover your base expenses, but you have nothing left to put towards your financial goals or those extra expenses that seem to come up every single month?

What if I told you it has little to do with the amount of income you bring in, but rather the way you are, or maybe I should say aren’t, budgeting.

In today’s episode you are going to learn how my budgeting system will keep money in your budget on autopilot. You will learn if you are in fact budgeting, or simply taking care of your needs first and then using what is left over however you feel is necessary in the moment and how you can prepare for unexpected expenses and still have spending freedom all with a budget.

So go get your drink, open your heart to God and I’ll see you inside!

Much Love

Molly

Next Steps:

54. Ready for Financial Stability? How an Emergency Fund Can Get You There Fast.

Questions? Email me at mollybenell@gmail.com

Resources:

103. Do You Spend Your Savings Before It’s Needed? Always Have the Cash You Need With Sinking Funds.

116. My Top 3 Budgeting Systems to Live Stress Free on One Income.

119. Looking for Consistency? My Method to Quit Living Paycheck to Paycheck and Afford Food and Bills at the Same Time.

124. Base Budgeting: The #1 Way to Live on Less and Save More

141. Budget Not Working? 6 Unexpected Things Every Budget Needs to Work.

Tue, 28 Oct 2025 06:00:00 -0500

Hey Friend!

How many times have you sat down to rework your budget? Do you feel like you can never create one that actually works so you redo it every time just to repeat the same cycle.

That’s what this episode is all about. How to set up and create a budget that will actually work for you. No more redoing it for the sake of redoing it. This episode is the key to setting up a budget that you can actually stick to and works for you every single time. Taking the stress off and removing the financial overwhelm.

So go get your drink, open your heart to God and I’ll see you inside!

Much Love

Molly

Next Steps:

Questions? Email me at mollybenell@gmail.com

140. 5 Verses to Pray Over Your Budget and Ask God for Help Sticking to It.

Tue, 21 Oct 2025 06:00:00 -0500

Hey Friend!

When it comes to budgeting and creating a plan around your money. It can be so easy to lean into your own knowledge and understanding first. To take the things that you know and put them into practice before going to God.

But God reminds us in Proverbs 3:5-6 to, “Trust in the Lord with all your heart and lean not on your own understanding; in all your ways submit to him and he will make your paths straight.”

That is why in today’s episode I wanted to share the power of praying bible verses over your budget along with a few verses that you can start praying over your budget today. This will help you know what to say when you don’t know what to pray about and will help you release control and start sticking to your budget by allowing God to give you his knowledge and direct your path instead of you.

So go get your drink, open your heart to God and I’ll see you inside!

Much Love

Molly

Next Steps:

Questions? Email me at mollybenell@gmail.com

139. Ready to Stick to Your Budget? 3 Lies You Are Believing That Are Keeping You Stuck.

Tue, 14 Oct 2025 06:00:00 -0500

Hey Friend!

Sticking to your budget has many parts. This is not a rework your budget thing and your done. You have to look at all of the pieces and some of those pieces are the things that you believe. Things that you are telling yourself on a regular basis that is keeping you stuck right where you are.

That’s why in this episode I want to dig deep into 3 things that you are telling yourself that are keeping you not only from sticking to your budget, but from also having financial peace, financial freedom, financial security and from building wealth.

So go get your drink, open your heart to God and I’ll see you inside!

Much Love

Molly

Next Steps:

135. Don’t Have Anything to Show for Your Money? The Reason You Believe That.

Questions? Email me at mollybenell@gmail.com

Resources

124. Base Budgeting: The #1 Way to Live on Less and Save More

138. Tired of Overspending? 3 Spending Plans You Need to Stay On Budget.

Tue, 07 Oct 2025 06:00:00 -0500

Hey Friend!

How often do you struggle with overspending? Well let me share a little secret with you. Overspending isn’t an impulse buying problem, it's a not having a plan problem.

Plans that turn into systems, that turn into routines, that turn into habits are the key to staying on budget. So in this episode I am going to share with you three areas you should always have a plan for that will help keep you from overspending and on budget.

So go get your drink, open your heart to God and I’ll see you inside!

Much Love

Molly

Next Steps:

Questions? Email me at mollybenell@gmail.com

137. Money Causing You Stress? 6 Ways a Budget Actually Brings You Peace.

Tue, 30 Sep 2025 06:00:00 -0500

Hey Friend!

Does money cause you stress? Like when the topic of money comes up or you have to sit down and budget yet again for another paycheck, does it just feel dreadful?!

In this episode I talk about how a budget can actually reverse that feeling. Instead of feeling dread every time you hear the word money you can actually be at peace and be able to make calm financial decisions that will actually take you places.

So go get your drink, open your heart to God and I’ll see you inside!

Much Love

Molly

P.S. Want to set your budget up in a way you can actually stick to it? Then I want to invite you to get some Budget Coaching and together we will do just that. To learn more, email me at mollybenell@gmail.com and let’s get you out of the overwhelm and into confidence.

Next Steps:

Questions? Email me at mollybenell@gmail.com

136. From Overwhelm to Financial Peace - How God Gives You Confidence in Your Budgeting.

Tue, 23 Sep 2025 06:00:00 -0500

Hey Mama,

Where are you at in your financial journey? Are you sticking to your budget or are you struggling, stressed and overwhelmed?

The world we live in today thrives on independence and because of it we can be so easily swayed to try and achieve anything in our own strength. But God wants us to be dependent on Him to allow Him to work through the struggle with us just as we did when we were little kids. It’s so much easier to do something when you have help vs trying to do it on your own.

That is why today we are going to be walking through how partnering with God gives you confidence and peace in your budgeting and the steps to take so that you can start doing it today.

So go get your drink, open your heart to God and let’s dive in.

Much Love

Molly

Next Steps:

Questions? Email me at mollybenell@gmail.com

135. Don’t Have Anything to Show for Your Money? The Reason You Believe That.

Tue, 16 Sep 2025 06:00:00 -0500

Hey Mama!

How often do you find yourself unhappy with the things you have or even the life you live? It can be so easy to buy into the lie that someone else has it better than you. The lie that you are failing. The lie that you don’t have anything to show for your money.

This is what we are going to be talking about today. Combating the noise in your head telling you that the life you have built is wrong. Telling you that something else is more important than what you dream of. So listen in as I walk you through the reason why you believe this and my 4 steps to remove the lies you have been believing about your life and your money so you can stick to your budget and live the life you want.

So go get your drink, open your heart to God and let’s dive in.

Much Love

Molly

Next Steps:

Questions? Email me at mollybenell@gmail.com

134. Sick of Traditional Budgeting? 3 Steps to a Simpler Tracking System.

Tue, 09 Sep 2025 06:00:00 -0500

Hey Mama!

I know how exhausting it can be to keep up with the tracking of your money. I don’t want to do it and I know you don’t want to do it. You don’t have the time, the desire. You just want something simple and that is exactly what I am giving you today!

In today’s episode we are going to ditch the traditional style of tracking your money and lean into a simpler tracking system. This one takes less time and allows you to see what is going on in the moment without carrying around a huge tracking planner or relying on apps.

So go get your drink, open your heart to God and let’s dive in.

Much Love

Molly

Next Steps:

40. My Number One Rule That Keeps You From Spending Money You Don’t Have!

Questions? Email me at mollybenell@gmail.com

Resources:

87. Want an Easy Way to Save Money? Split Up Your Income Into These 8 Accounts.

116. My Top 3 Budgeting Systems to Live Stress Free on One Income.

127. Ready to Reach Your Goals? Create Categories You Will Actually Stick To.

133. Welcome to Budgeting With Confidence for Moms! 3 Ways to Stick to Your Budget and It’s Not What You Think!

Tue, 02 Sep 2025 08:18:00 -0500

Hey Mama!

Welcome to the new and improved budgeting with confidence podcast!

I am so glad you are here as today we are going to be going over what’s been going on with my life, what’s going on with the podcast and what to expect going forward.

There has been a lot going on, but I don’t want the episode to be all about the updates. So, you can also expect to find 3 ways to stick to your budget so that you can become confident in your finances and live in peace instead of overwhelm.

Much Love

Molly

P.S. I want to invite you to grab some Budget Coaching. This is where I walk you through setting up your budget and then coach you through sticking to it. To learn more, email me at mollybenell@gmail.com and let’s get you out of the overwhelm and into confidence.

Next Steps:

Join the Community

Questions? Email me at mollybenell@gmail.com

132. Ready to Build Wealth? 4 Ways to Stop Struggling Financially.

Tue, 03 Jun 2025 06:00:00 -0500

Hey Mama,

Are you struggling financially? Do you dream of a day where you are financially stable so you can start building wealth instead of losing it?

Then this is the episode for you! Today I am sharing 4 ways you can stop struggling financially and start building wealth.

So go cuddle up with a nice warm drink, get comfy with them babies and open your heart to God as we head into today’s episode.

Much Love

Molly

P.S. I am offering free Budget Audits to help you learn what it takes to fix your finances. Go to calendly.com/mollybenell and book your call today.

Next Steps:

Questions? Email me at mollybenell@gmail.com

Resources:

131. The #1 Thing You Must Have to Make It on One Income.

Tue, 27 May 2025 06:00:00 -0500

Hey Mama,

Do you ever wonder how you are supposed to make it on one income? Your bills might be paid and you have food on the table, but that’s simply just surviving.

I want more for you, you want more for you and your family and it is possible no matter how much income you bring in. So today, I am going to share with you 5 ways a budget can give you the life you are dreaming of.

So go cuddle up with a nice warm drink, get comfy with them babies and open your heart to God as we head into today’s episode.

Much Love

Molly

P.S. I am offering free Budget Audits to help you learn what it takes to fix your finances. Go to calendly.com/mollybenell and book your call today.

Next Steps:

Questions? Email me at mollybenell@gmail.com

130. Want to Save Money but Tired of Being Frugal? 7 Non-frugal Money Saving Secrets

Tue, 20 May 2025 06:00:00 -0500

Hey Mama,

How often do you find yourself searching the internet for more savings tips? Do you think the only way to save is by being more frugal? Are you ready for another way to start saving money?

Then you mama are in the right place! Today you are going to learn 7 non frugal money savings tips that you can easily put in place today.

So go cuddle up with a nice warm drink, get comfy with them babies and open your heart to God as we head into today’s episode.

Much Love

Molly

P.S. I am offering free Budget Audits to help you learn what it takes to fix your finances. Go to calendly.com/mollybenell and book your call today.

Next Steps:

Questions? Email me at mollybenell@gmail.com

Resources:

129. Ready to Thrive? 3 Mindset Shifts to Living Abundantly on a Budget.

Tue, 13 May 2025 06:00:00 -0500

Hey Mama,

Do you wish you had more money for those unexpected problems? Are you ready to stop feeling the pressure from living on one income? Is more actually the answer?

Spoiler alert, the answer is no.

In today’s episode we are going to go over 3 mindset shifts to help you release the overwhelm, the stress and the pressure that comes with living on one income so that you can start living a joyful life no matter the amount in your account.

So go cuddle up with a nice warm drink, get comfy with them babies and open your heart to God as we head into today’s episode.

Much Love

Molly

P.S. I am offering free Budget Audits to help you learn what it takes to fix your finances. Go to calendly.com/mollybenell and book your call today.

Next Steps:

Questions? Email me at mollybenell@gmail.com

128. Tired of Missing Things When You Budget? How a Calendar Can Stop That.

Tue, 06 May 2025 06:00:00 -0500

Hey Mama,

How often do you find that you’ve missed something that needed to be added to the budget after you’ve already budgeted everything? That is so frustrating and sometimes it doesn’t even show itself until days after you’ve already been using the budget the way you planned.

Well today we are going to talk about how using a calendar can prevent you from missing these expenses that can easily be forgotten about when it comes to the budget.

So go cuddle up with a nice warm drink, get comfy with them babies and open your heart to God as we head into today’s episode.

Much Love

Molly

P.S. I am offering free Budget Audits to help you learn what it takes to fix your finances. Go to calendly.com/mollybenell and book your call today.

Next Steps:

Questions? Email me at mollybenell@gmail.com

127. Ready to Reach Your Goals? Create Categories You Will Actually Stick To.

Tue, 29 Apr 2025 06:00:00 -0500

Hey Mama!

Do you have too many categories, or maybe not enough categories for your budget? How many times have you sat down to budget, and feel like you have no money because you have so many categories? $10 here, $20 there and you’ve achieved nothing.

That is what we are going over today. How to decide what categories you need, if you have the right amount and how to pair them with your accounts, so that you can achieve your goals and stick to your budget.

So go cuddle up with a nice warm drink, get comfy with them babies and open your heart to God as we head into today’s episode.

Much Love

Molly

P.S. I am offering free Budget Audits to help you learn what it takes to fix your finances. Go to calendly.com/mollybenell and book your call today.

Next Steps:

Questions? Email me at mollybenell@gmail.com

Resources:

87. Want an Easy Way to Save Money? Split Up Your Income Into These 8

126. Beat the Paycheck to Paycheck Cycle by Splitting up Your Paycheck the Same Each Time.

Tue, 22 Apr 2025 06:00:00 -0500

Hey Mama,

Have you found that after you’ve paid the bills one week you have plenty remaining and the next you have nothing? Do you find it difficult to budget this way? Are you ready for a way to get out of that cycle?

Great, because that is what we are talking about today. I am going to share with you how you can beat the feast and famine cycle from living paycheck to paycheck. I am going to share with you how you can find consistent numbers that NEVER change unless you rework the budget. Sticking to your budget has never been easier because you are working with the same numbers each and every paycheck!

So go cuddle up with a nice warm drink, get comfy with them babies and open your heart to God as we head into today’s episode.

Much Love

Molly

P.S. I am offering free Budget Audits to help you learn what it takes to fix your finances. Go to calendly.com/mollybenell and book your call today.

Next Steps:

Questions? Email me at mollybenell@gmail.com

Resources:

125. Don’t Make Enough Money? 4 Mindset Shifts to Live Abundantly Anyways.

Tue, 15 Apr 2025 06:00:00 -0500

Hey Mama,

Ever wonder how much money you need monthly to live abundantly on one income? Do you feel like you don’t make enough money? Are you ready to be joyful instead of stressed over your income?

These kind of questions are why this episode came to be. I could give you the tactical answer, but the real answer to abundance is not a specific number. It’s your mindset. Which is why I am sharing with you 4 mindset shifts you can start working on today so that you can achieve abundance now rather than later.

So go cuddle up with a nice warm drink, get comfy with them babies and open your heart to God as we head into today’s episode.

Much Love

Molly

P.S. I am offering free Budget Audits to help you learn what it takes to fix your finances. Go to calendly.com/mollybenell and book your call today.

Next Steps:

Questions? Email me at mollybenell@gmail.com

Resources:

124. Base Budgeting: The #1 Way to Live on Less and Save More

Tue, 08 Apr 2025 06:00:00 -0500

Hey Mama!

Are you sick of living paycheck to paycheck? Do you constantly search the internet for a way to dig yourself out of it? Are you ready for some consistency and extra spending dollars?

That’s what you are going to find today. My number one way to budget that allows for consistent numbers in your paycheck and that wiggle room you have long been desiring. It doesn’t matter how much income you bring in this system will bring you some much needed relief.

So go cuddle up with a nice warm drink, get comfy with them babies and open your heart to God as we head into today’s episode.

Much Love

Molly

P.S. I am offering free Budget Audits to help you learn what it takes to fix your finances. Go to calendly.com/mollybenell and book your call today.

Next Steps:

Questions? Email me at mollybenell@gmail.com

Resources:

123. Looking to Get Rid of Debt? Do It Quickly With These 5 Simple Systems.

Tue, 01 Apr 2025 06:00:00 -0500

Hey Mama!

Do you feel restricted from all of the money you have tied up in debt? Are you constantly searching for ways to pay down your debt quickly? Are you ready to be free from your debt?

That’s great, because that is what we are going over today. In today’s episode you are going to learn how to set your budget up to pay down debt quickly without feeling restricted and without accumulating more debt.

So go cuddle up with a nice warm drink, get comfy with them babies and open your heart to God as we head into today’s episode.

Much Love

Molly

P.S. I am offering free Budget Audits to help you learn what it takes to fix your finances. Go to calendly.com/mollybenell and book your call today.

Next Steps:

Questions? Email me at mollybenell@gmail.com

Resources:

122. 3 Ways to Simplify Your Meal Plan and Cut Costs.

Tue, 25 Mar 2025 06:00:00 -0500

Hey Mama!

Are you tired of trying to figure out what to serve morning, noon and night? Do you wish groceries were cheaper and less of a hassle to get? Are you ready for a simpler cost effective way to shop for your groceries?

Me too! That is why I have been researching for some better ways to meal plan, not only because I’m tired of having to sit down and come up with a new meal plan every 2 weeks, but also because I am craving some consistency and searching for ways to cut costs. I finally have found some and tried them out and now I'm going to share them with you!

So go cuddle up with a nice warm drink, get comfy with them babies and open your heart to God as we head into today’s episode.

Much Love

Molly

P.S. I am offering Budget Audits to help you learn what it takes to fix your finances. Go to calendly.com/mollybenell and book your call today.

Next Steps:

Book your Budget Audit

Questions? Email me at mollybenell@gmail.com

Resources:

121. In Financial Survival Mode? 3 Budgeting Tips to Get Out Quickly.

Tue, 18 Mar 2025 06:00:00 -0500

Hey Mama!

Have rising prices put you in survival mode? Do you find yourself stressed whenever you look at your finances? Are you ready to put money back into your budget so you can relax?

That is exactly what I have in store for you today. I am going to share with you 3 ways you can use your budget to get out of survival mode. Your budget is a great tool to use if you know what steps to take.

So go cuddle up with a nice warm drink, get comfy with them babies and open your heart to God as we head into today’s episode.

Much Love

Molly

P.S. I am offering free Budget Audits to help you learn what it takes to fix your finances. Go to calendly.com/mollybenell and book your call today.

Next Steps:

Questions? Email me at mollybenell@gmail.com

Resources:

120. Put Money Back in Your Budget using These 4 Ways to Cut Fixed Expenses.

Tue, 11 Mar 2025 06:00:00 -0500

Hey Mama!

Does living on one income feel tight? Do you feel like you have to be restrictive to make it on one income? Are you ready to release the tension and put some money back into your budget?

Mama you don’t have to be unhappy to live on one income. You can live stress free and comfortably on one income regardless of the amount in your account. Today I am going to share with you 3 ways you can lower your fixed expenses and put some money back into your budget bringing you some well deserved relief.

So go cuddle up with a nice warm drink, get comfy with them babies and open your heart to God as we head into today’s episode.

Much Love

Molly

P.S. I am offering free Budget Audits to help you learn what it takes to fix your finances. Go to calendly.com/mollybenell and book your call today.

Next Steps:

Questions? Email me at mollybenell@gmail.com

Resources:

Do Your Expenses Out Weight Your Income? 3 Things You Can Do to Level the Playing Field.

119. Looking for Consistency? My Method to Quit Living Paycheck to Paycheck and Afford Food and Bills at the Same Time.

Tue, 04 Mar 2025 06:00:00 -0600

Hey Mama, welcome to the one income family podcast!

Are you looking for a way out of the paycheck to paycheck lifestyle you are living? The one where one week you have 50 dollars left to your name and the next you have hundreds? Are you ready for some consistency?

Because today I am going to be sharing with you the method I use that has allowed me to stop living paycheck to paycheck and give me a constant dollar amount to work with each and every time I budget.

So go cuddle up with a nice warm drink, get comfy with them babies and open your heart to God as we head into today’s episode.

Much Love

Molly

P.S. I am offering Budget Audits to help you learn what it takes to fix your finances. Go to calendly.com/mollybenell and book your call today.

Next Steps:

Questions? Email me at mollybenell@gmail.com

Resources:

Living Paycheck to Paycheck? Put Your Bills on Autopilot to Ease the Stress

118. Having Trouble Making Ends Meet? Calculate Your Income for Success

Tue, 25 Feb 2025 06:00:00 -0600

Hey Mama,

Are you having trouble making ends meet? Do you feel like you don’t have enough money to live let alone reach your financial goals? Are you ready to finally get ahead?

Well that my friend is exactly what today is all about! Today you will learn how to calculate your income and set up your budget so that you can live beneath your means and finally reach your goals.

So go cuddle up with a nice warm drink, get comfy with them babies and open your heart to God as we head into today’s episode.

Much Love

Molly

P.S. I am offering Budget Audits to help you learn what it takes to fix your finances. Go to calendly.com/mollybenell and book your call today.

Next Steps:

Book your Budget Audit

Questions? Email me at mollybenell@gmail.com

Resources:

117. Drowning in Financial Overwhelm? 2 Ways to Partner With God and Ease the Stress.

Tue, 18 Feb 2025 06:00:00 -0600

Do you find yourself drowning in financial overwhelm and you’re ready for a way out?

Many of us are on this journey trying to figure out how to do the budgeting thing and follow the bible which tells us to steward God’s money well. There’s parables and verses all over the place guiding and teaching you how to manage the money God has given you. But when you are in the middle of overwhelm the simplest and most powerful verses can be overlooked.

That is why today I am sharing with you 2 of the most powerful ways to help you partner your finances with God.

So go cuddle up with a nice warm drink, get comfy with them babies and open your heart to God as we head into today’s episode.

Much Love

Molly

P.S. Learn what it takes to fix your finances on a Budget Audit. Go to calendly.com/mollybenell and book your call today.

Next Steps:

Questions? Email me at mollybenell@gmail.com

Resources:

116. My Top 3 Budgeting Systems to Live Stress Free on One Income.

Tue, 11 Feb 2025 06:00:00 -0600

Hey Mama,

Are you stressing over not being able to stick to your budget? Do you worry about the inconsistency of living paycheck to paycheck? Are you anxiously waiting for the next ball to drop, the next unexpected expense?

That is what today is all about! These 3 systems that I am going to share with you will put boundaries in place making it impossible to not stick to your budget without doing it on purpose! It will end the paycheck to paycheck lifestyle and the inconsistency, but most importantly it will put things in place to ease the pressure that unexpected expenses bring.

So go cuddle up with a nice warm drink, get comfy with them babies and open your heart to God as we head into today’s episode.

Much Love

Molly

P.S. I am offering free Budget Audits to help you learn what it takes to fix your finances. Go to calendly.com/mollybenell and book your call today.

Next Steps:

55. Living Paycheck to Paycheck? Put Your Bills on Autopilot to Ease the Stress

Questions? Email me at mollybenell@gmail.com

Resources:

59. Don't Want to Track Your Money? My Simple Financial Tracking System That Takes Minutes and Keeps You on Budget

69. Ready for Some Consistency? How to Budget With Irregular Paychecks

72. Tired of Being Frugal Just to Stick To Your Budget? My Budgeting Method That Makes Sticking To Your Budget Easy!

87. Want an Easy Way to Save Money? Split Up Your Income Into These 8 Accounts.

115. Expenses Coming Out of Nowhere? 4 Easy Steps to Budget for Unexpected Expenses.

Tue, 04 Feb 2025 06:00:00 -0600

How often do you find yourself scrambling to pay for yet another unexpected expense? You thought you budgeted for everything, but then something comes your way that you either forgot about like an oil change or didn’t know was part of an activity like sports pictures.

I want you to know that you are not alone and there are many ways to tackle this stress, but today we are going to jump into 4 easy steps to pre plan for these unexpected expenses that are caused from simply forgetting about the expense or not knowing the expense is part of an activity that you or your family are a part of.

So go cuddle up with a nice warm drink, get comfy with them babies and open your heart to God as we head into today’s episode.

Much Love

Molly

P.S. I am offering free Budget Audits to help you learn what it takes to fix your finances. Go to calendly.com/mollybenell and book your call today.

Next Steps:

103. Do You Spend Your Savings Before It’s Needed? Always Have the Cash You Need With Sinking Funds.

Questions? Email me at mollybenell@gmail.com

Resources:

113 Is Budgeting Hard? 3 Steps to a Simple Budget.

114. Sick of Budgeting? 3 Things You Can Do to Stay Motivated.

Tue, 28 Jan 2025 06:00:00 -0600

Hey Friend,

Are you sick of budgeting? Does it feel like you just finished the last budget only to have to do it again?

Yet here we are, it’s that time again. Time to sit down and work your budget for yet another paycheck cycle, but you don’t want to do it. You sit down and stare blankly at your budget and you just feel like you don’t know what you should be doing. It feels foreign. It feels impossible and like it’s going to take forever!

Well don’t worry because you’re not alone, I feel you, and that is why I am going to share with you 3 things that help me keep going when all hope seems lost.

So go cuddle up with a nice warm drink, get comfy with them babies and open your heart to God as we head into today’s episode.

Much Love

Molly

P.S. I am offering free Financial Audits to help you learn what it takes to fix your finances. Go to calendly.com/mollybenell and book your call today.

Next Steps:

Book your free Financial Audit

Book your free Financial Audit

Questions? Email me at mollybenell@gmail.com

113. Is Budgeting Hard? 3 Steps to a Simple Budget.

Tue, 21 Jan 2025 06:00:00 -0600

Hey Friend,

Is budgeting hard? Do you find yourself unable to stick to your budget because it just doesn’t work? Which then leads you to constantly searching the internet for a new way to budget. Wasting your precious time, energy and money from the inability to track your finances properly and falling prey to overspending.

Then you, my friend, are in the right place. Today I am going to share with you why budgeting is hard and three ways you can turn your budget around and create a simple budget that doesn’t take an overwhelming amount of time to complete.

So go cuddle up with a nice warm drink, get comfy with them babies and open your heart to God as we head into today’s episode.

Xo Molly

P.S. I am offering free Financial Audits to help you learn what it takes to fix your finances. Go to calendly.com/mollybenell and book your call today.

Next Steps:

Book your free Financial Audit

Questions? Email me at mollybenell@gmail.com

112. Do You Spend Too Much? 3 Ways to Budget Better and Prevent Overspending.

Tue, 14 Jan 2025 06:00:00 -0600

Hey Friend,

Do you find it difficult to actually stick to your budget? You take the time to sit down and fill out a budget only to find yourself throwing said budget out the window because you’ve overspent and have no idea how to right the wrong. So what do you do, you go on with life as if that budget never existed and try to wing it the rest of the pay cycle hoping it doesn’t affect anything important.

You can now take a deep peaceful breath because I am going to share with you 3 ways you can budget better, preventing the” just wing it and pray it doesn’t affect anything important” budget.

So go cuddle up with a nice warm drink, get comfy with them babies and open your heart to God as we head into today’s episode.

Xo Molly

P.S. I am offering free Financial Audits to help you learn what it takes to fix your finances. Go to calendly.com/mollybenell and book your call today.

Next Steps:

Questions? Email me at mollybenell@gmail.com

111. Tired of Sacrificing Your Goals? Set Goals You Can Reach on a Limited Income.

Tue, 07 Jan 2025 06:00:00 -0600

Hey Friend,

This episode is going to reveal to you what your true financial goals are. Most think of financial goals as saving money, going on vacation, paying off debt, buying big ticket items and creating emergency funds, but there is so much more to it and it’s the little hidden financial goals that you don’t know you have that make you feel restricted.

So go cuddle up with a nice warm drink, get comfy with them babies and open your heart to God as we settle into today’s episode.

Xo Molly

P.S. I want to invite you to grab a Budget Audit and learn what is going on in your budget so that you can stop living paycheck to paycheck and get back your wiggle room. Send an email to mollybenell@gmail.com to book your call now.

Next Steps:

Questions? Email me at mollybenell@gmail.com

110. 2024 Goal Review and How They Impacted My Finances.

Tue, 31 Dec 2024 06:00:00 -0600

Hey Mama,

Welcome to the last episode of 2024 on the one income family podcast. This year has flown by and so much has happened and that is why I decided to do a 2024 goal review. It’s important to know where we’ve been, what we’ve achieved, what has changed and where we want to go this next year. Goal setting is so important in order to stick to your budget to have something that fuels you through, to have an end to what you are doing so that you don’t become burnt out or complacent in the life you are budgeting for. Which is why I wanted to walk you through last year's goals so that you can see the impact they made on my budget and financial journey.

So go cuddle up with a nice warm drink, get comfy with them babies and open your heart to God as we settle into today’s episode.

Xo Molly

Next Steps:

Questions? Email me at mollybenell@gmail.com

109. MERRY CHRISTMAS! Embracing a Joyful Heart This Christmas

Tue, 24 Dec 2024 06:00:00 -0600

Merry Christmas!

Christmas can bring expectations and emotions that cause us to become a Grinch instead of a joyful presence. That is why this in episode I bring you 2 tips to help you embrace a joyful heart this Christmas.

So go cuddle up with a nice warm drink, get comfy with them babies and open your heart to God as we settle into today’s episode.

Xo Molly

Next Steps:

Questions? Email me at mollybenell@gmail.com

108. Out of Christmas Money? 3 Ways to Pay for Last Minute Christmas Items Without Credit Cards

Tue, 17 Dec 2024 06:00:00 -0600

Hey Mama,

I know what it’s like to get to the end of the Christmas season only to find out that you’ve already spent all of your Christmas budget. Which is so EASY to do! Especially if you’re like me and you want to make sure that everyone gets a gift and feels loved by you. Or you want your Children to be involved and so you let them buy Christmas gifts for everyone as well, meaning you're buying two gifts for everyone.

As we head into the last week before Christmas when we tend to start running low on Christmas funds, I wanted to keep your spirits up and bring you a few things you can do so that you can get those last minute items without having to reach for that credit card.

So go cuddle up with a nice warm drink, get comfy with them babies and open your heart to God as we settle into today’s episode.

Xo Molly

Next Steps:

Questions? Email me at mollybenell@gmail.com

107. Have a Small Christmas Budget? 3 Tips to Save Money This Christmas

Tue, 10 Dec 2024 06:00:00 -0600

Hey Mama,

It’s that time of year and Christmas is just around the corner. If you’re anything like me, you dream of doing all the things, giving as much as you can and working to instill the spirit of Christmas into your Children while also teaching them about its true meaning, the birth of Christ.

But you have one dilemma, your budget for all things Christmas is Small. How are you supposed to get them the toys they are asking for, do all of the fun family activities or buy the pretty decorations? Have no fear because that is exactly what we are talking about today!

So go cuddle up with a nice warm drink, get comfy with them babies and open your heart to God as we settle into today’s episode.

Xo Molly

Next Steps:

Questions? Email me at mollybenell@gmail.com

106. Looking for Frugal Fun During Christmas? 7 Fun Family Activities that Cost Little to no Money.

Tue, 03 Dec 2024 06:00:00 -0600

Hey Mama,

I know how difficult it can be to do the fun things on one income. You want to be that mom who creates fun Christmas traditions and memories with your children that they and you remember for a lifetime, but you fear that they will cost too much for you to be able to afford. Let me stop you right there. You can create the best memories on a dime and I am going to show you how right now!

So go cuddle up with a nice warm drink, get comfy with them babies and open your heart to God as we settle into today’s episode.

Xo Molly

Next Steps:

Questions? Email me at mollybenell@gmail.com

105. Ready to Live Wealthy on a Budget? How Gratitude Can Get You There Fast.

Tue, 26 Nov 2024 06:00:00 -0600

Hey Mama,

If you live in the United States, this week is Thanksgiving. It’s all about being grateful for what we have and blessing God for those things. However, the world we live in is all about selfishness, about how you as an individual are going to make it out in the end. A heart posture based on selfishness will never generate abundance. Instead you need to walk away from the world and lean into gratitude, contentment, patience and love to be able to truly embrace a life of joy and wealth.

And that my friend is what this episode is all about. How a heart posture of gratitude can generate wealth and abundance both physically and emotionally, even when you are living on a budget.

So cuddle up with a nice warm drink, get comfy with them babies and open your heart to God as we settle into today’s episode.

Xo Molly

P.S. I am offering free Clarity Calls to help you figure out why you are struggling to stick to your budget and help you create your personal solution to stay on budget. Go to calendly.com/mollybenell and book your call today.

Next Steps:

Questions? Email me at mollybenell@gmail.com

104. Want Your Christmas Money to Stay Christmas Money? Host Thanksgiving Using Only Your Grocery Budget.

Tue, 19 Nov 2024 06:00:00 -0600

Hey Mama!

A couple episodes ago I gave you a way to save some cash fast for Christmas. I gave you a no spend challenge and I got to thinking, if you are saving all of your extra cash for Christmas, (which if you want to learn more about that go check out episode 102) but if you are saving all of your extra cash, how are you supposed to host thanksgiving if you haven’t already saved for the holiday?

That my friend is what today is all about! I am going to share with you how I host thanksgiving using only my monthly grocery budget and nothing extra. So plug in your headphones, grab a pen and paper and let’s get to it.

Xo Molly

Next Steps:

102. Low on Christmas Money? Save Money Quickly Using the No Spend November Challenge.

Questions? Email me at mollybenell@gmail.com

RESOURCES:

103. Do You Spend Your Savings Before It’s Needed? Always Have the Cash You Need With Sinking Funds.

Tue, 12 Nov 2024 06:00:00 -0600

Hey Mama,

Today we are going to be digging a little deeper into saving money. As a beginner the idea is simply to put money into your savings account each and every month. And while this is a great start it’s even more important to make sure each dollar has a job even in the savings account. That's why in this episode you are going to learn about sinking funds and how with their help you will always have the cash you need on hand!

Go plug in your headphones, grab a cup of tea and let’s dive in.

Xo Molly

Next Steps:

96. Is Your Money Spread Thin So You Never Actually Reach Your Goals? How to Budget Your Goals for Success.

Questions? Email me at mollybenell@gmail.com

Resources:

97. Are You Spending Too Much Money? How to Know if Your Spending Money Is Keeping You From Reaching Your Goals.

100. Looking To Save and Pay Debt off Quickly? 3 Ways to Stay on Track With Your Savings and Debt Goals.

102. Low on Christmas Money? Save Money Quickly Using the No Spend November Challenge.

Tue, 05 Nov 2024 06:00:00 -0600

Hey Mama,

As we have just started the month of November I thought it would be a good time to introduce a no spend challenge. Whether you have been saving money all year long and are looking for a little cushion for the holidays or haven’t started saving at all, this is a great way to get some cash for both Thanksgiving and Christmas.

So grab your headphones, a festive drink and let’s dive in.

Xo Molly

Next Steps:

Questions? Email me at mollybenell@gmail.com

101. 3 Ways to Become More Consistent With Your Budgeting

Tue, 29 Oct 2024 08:08:14 -0500

Hey Mama,

Consistency is a goal when it comes to being able to stick to your budget. It’s how you know that you will be able to do the same thing every time it comes to your budgeting, but did you know that there are different ways you can be consistent? Well that is what we are talking about today, the 3 money management systems to work on so that you can be more consistent with your budgeting.

So pop in your headphones, grab yourself a yummy drink and let’s get to it.

Xo Molly

Next Steps:

Questions? Email me at mollybenell@gmail.com

100. Looking To Save and Pay Debt off Quickly? 3 Ways to Stay on Track With Your Savings and Debt Goals.

Tue, 22 Oct 2024 06:00:00 -0500

Hey Mama,

It's time to strengthen your saving muscle, because you didn’t set goals only to watch yourself spend the money needed to reach those goals. You also want to be able to reach those goals in a timely manner, so if you are ready to stay on track with your savings and debt goals then this episode is for you! Today I am giving you 3 ways to reach those financial goals you so badly want to achieve faster.

So go plug in your headphones, grab yourself a fun drink and let’s jump in.

Xo Molly

Next Steps:

Questions? Email me at mollybenell@gmail.com

99. Struggling to Stick to Your Budget? My System for Adapting Your Budget When Your Budget Feels Off.

Tue, 15 Oct 2024 06:00:00 -0500

Hey Mama, have you ever looked at your budget and thought to yourself that something just feels off, but you go ahead and fill out your budget the exact same way you have been doing it and by the end of the paycycle you find that another budget bit the dust because you just couldn’t follow it.

This my friend is normal, and this feeling that something is off is what we are going to be going over today. If something doesn’t feel right then things have to change, so in todays episode you are going to learn what it means to have a budget out of alignment with your life so that you can create a budget that you are excited to follow because it is supporting the life you want to live.

So go grab yourself a nice warm drink and a pair of headphones and let’s get to it.

Xo Molly

Next Steps:

Questions? Email me at mollybenell@gmail.com

98. Is Managing Money Difficult? The #1 Habit Needed to Make It on One Income.

Tue, 08 Oct 2024 06:00:00 -0500

Welcome to the one income family podcast.

Today we are diving into what I believe is the one of the most important things you need to be doing in order to make it financially on one income and that is planning. I know it takes time and unless you’re like me and love to strategize and create a plan it’s not very fun, but it is extremely important. You are going to learn how embracing planning will change your finances, will help you stick to your budget and will get you one step closer to your goals.

So go grab your favorite drink and head outside for some fresh air and let’s head into today’s episode.

Xo Molly

Next Steps:

Questions? Email me at mollybenell@gmail.com

97. Are You Spending Too Much Money? How to Know if Your Spending Money Is Keeping You From Reaching Your Goals.

Tue, 01 Oct 2024 06:00:00 -0500

Hey Mama, welcome to the one income family podcast where we talk all things budging on one income.

Today we are going to jump into what can feel like a losing battle, and that is getting a grip on your spending. Now don’t take this to believe that the reason you are off budget is because of your spending and that it’s a bad thing to have spending money.

On the contrary, I want you to enjoy your life and having a little spending money is not going to hurt you or your budget. In fact it gives you the freedom to spend that money without worrying if you’re going to dip into other more important funds.

But if you’re not careful that little bit of freedom can start burning a hole in your pocket and you find yourself giving into the desire even when you’ve spent all of your budgeted amount for free spending. That is what we are going to talk about today. How to curb that urge so that you’re spending money isn’t the thing keeping you from reaching your goals.

So go grab your favorite drink and head outside as we head into today’s episode.

Xo Molly

Next Steps:

Questions? Email me at mollybenell@gmail.com

96. Is Your Money Spread Thin So You Never Actually Reach Your Goals? How to Budget Your Goals for Success.

Tue, 24 Sep 2024 06:00:00 -0500

Is your money spread thin from trying to reach all of your goals simultaneously? I’ve been there! A little emergency fund here, a little vacation there and never actually reaching your goals. That’s the thing about money and time. There is a set amount and that’s not going to change. The hard part is deciding what is actually important. Have you ever sat down and analyzed what is going on in your budget? More than likely there is something in there that is less important and it’s taking up space for what is truly important. I’ve heard it said many times for time management, but it works well for money management as well. If it’s not in your budget, it’s not truly important to you. That’s why today I am going to guide you through prioritizing your goals.

So go grab that stroller and enjoy some time for you and let’s get to it.

Xo Molly

Next Steps:

Questions? Email me at mollybenell@gmail.com

95. Don’t Know How Much to Put in Your Categories ? Set up Your Budget Using Percentages and Prevent Restriction.

Tue, 17 Sep 2024 06:00:00 -0500

Hey Mama, I talk a lot about figuring out your priorities and creating a budget that tells your story. What you and your family enjoy and the life you want to live. So I figured it was time to give you an episode that talks about how to do that. How do you find balance in a budget? In other words, how do you set up a budget that doesn’t make you feel restricted, but also has safe boundaries in place to keep you from overspending. That’s what we are going to talk about today. How to balance your budget in a way that tells all who see it what is important to you and what brings you joy.

It’s time for you to go make yourself some coffee and grab a seat as we dive into today's episode.

Xo Molly

Next Steps:

Questions? Email me at mollybenell@gmail.com

94. Do You Want to Save Money, but Don’t Know Where to Start? 5 Categories You Should Be Saving Towards to Ease the Pressure on One Income.

Tue, 10 Sep 2024 06:00:00 -0500

Today, we are going to be jumping into the conversation of saving money. Now we all know that we should be saving money, but the big question is what should we be saving for?

I have found there to be 5 constants that each budget should have. How you handle each category and create boundaries and amounts will differ, but by knowing what these categories are, it will take the guesswork out of what you should be saving for?

As we head into fall go grab that stroller so that you can enjoy the last bits of the season and let’s get to it.

Xo Molly

Next Steps:

Questions? Email me at mollybenell@gmail.com

93. Financial Planning With God: Releasing Control So God Can Guide Your Path.

Tue, 03 Sep 2024 06:00:00 -0500

Have you ever wondered how you are supposed to release control when the steps God tells us to take put you right back in the driver's seat? Well that is exactly what this episode is all about. I am going to share with you the thoughts that God has been sharing with me. It’s time to learn how to be in control without being in control.

Go grab your coffee and a seat and let’s dive in.

Xo Molly

Next Steps:

Book a Budget Coaching Session

Questions? Email me at mollybenell@gmail.com

92. How Many Different Budgets Have Failed You? 5 Tips to Create a Successful Budget.

Tue, 27 Aug 2024 06:00:00 -0500

Setting up a budget for success isn’t about the numbers or the categories or even the budget itself. That is why I recorded these 5 tips to help you set up a budget that’s going to bring you success. It’s going to give you the life you and your family want to live instead of feeling restricted and like you “can’t” do anything. It’s time to shift your mindset and start seeing what you can and you get to do.

Go grab yourself an iced coffee and enjoy a moment for yourself as we dive into today’s episode.

Xo Molly

P.S. Learn why you are struggling to stick to your budget and create healthy systems to replace it with when you book a Budget Coaching Session. Go to calendly.com/mollybenell and book your call today.

Next Steps:

Questions? Email me at mollybenell@gmail.com

91. The Hard Truth Behind Why You Are Struggling Financially and the First Step to Freedom.

Tue, 20 Aug 2024 06:00:00 -0500

Hey Mama,

How often do you find yourself struggling financially? Have you ever wondered why? Why do you feel like you are struggling financially when all of your bills are covered, you’re able to feed your family and other needs are met? Well that my friend is what today’s episode is about. God shared with me a truth behind the real reason we are struggling financially and I’m ready to share that with you. To get down in the ugly part of our brains and reveal the ugly truth behind financial struggle on one income.

So go grab yourself a latte and get ready to feel all the feels as I know God is going to do some work in you as He has been doing in me.

Let’s get to it.

Xo Molly

Next Steps:

Book a Budget Coaching Session

Questions? Email me at mollybenell@gmail.com

90. 6 Budgeting Mistakes and How to Remedy Them So That You Can Stop Living Paycheck to Paycheck

Tue, 13 Aug 2024 06:00:00 -0500

Today I am diving into some budgeting mistakes that make your budget feel tight and keep you living paycheck to paycheck. I also share with you what it is you can do to change your habits and give you a budget that brings peace instead of overwhelm.

So go grab that stroller and a yummy drink and let’s get to it.

Xo Molly

Next Steps:

Questions? Email me at mollybenell@gmail.com

RELATED EPISODES:

89. Struggling to Trust God Will Take Care of You? 5 Ways God Provides Financially

Tue, 06 Aug 2024 06:00:00 -0500

It is so easy to overlook the way God provides for us because it’s not usually in the way we want or expect. Plus, in the world's eyes it looks cheap. It looks poor. It looks like we are incapable of taking care of ourselves. It looks vulnerable and reliant upon others and we live in a world that thrives on independence.

Today I wanted to share with you the way God has moved in my life. How He has provided for myself and my family all throughout my life. My hope in sharing these stories with you is that it helps you to open your eyes to how God is working and providing in your life, so that you can start looking for it and get excited the next time it happens.

So go grab yourself a yummy drink and maybe some tissues because I believe God is going to do some work in us today. Let’s get to it.

Xo Molly

88. Struggling to Stick to Your Budget? 5 Signs You Need to Set Boundaries.

Tue, 30 Jul 2024 06:00:00 -0500

Hey Mama,

Sticking to your budget is hard work, but there are things that make it easier on yourself and one of those things is boundaries. Yes I know this is a scary word that brings out all of the feelings, but it’s necessary. So in today’s episode I am going to share with you 5 signs that tell you, it’s time to set some boundaries. Then, I’m going to share with you the next steps to take so that you can create some boundaries that will help you thrive on one income.

So go grab that stroller, pop in your headphones and let’s get to it.

Xo Molly

Next Steps:

Questions? Email me at mollybenell@gmail.com

87. Want an Easy Way to Save Money? Split Up Your Income Into These 8 Accounts.

Tue, 23 Jul 2024 09:30:00 -0500

Today we are deep diving into the digital cash envelope system, specifically the accounts you need for success using this system. Technically you can use as many accounts as you want, but there is a minimum needed inorder for the system to run smoothly and make sure that you are saving money along the way as well as making it easier for yourself to stick to your budget.

So go grab a pen and paper and something to keep yourself hydrated with and let’s get to it.

Xo Molly

Next Steps:

Questions? Email me at mollybenell@gmail.com

86. Do You Have a Goal to Eat Healthy on a Budget? 7 Frugal Habits for Healthy Eating.

Tue, 16 Jul 2024 06:00:00 -0500

Do you have a goal of eating healthy? Do you feel like you’re unable to achieve that goal because you live on one income? I am here to tell you that you can eat healthy on one income.

Today I am going all in on how I feed my family healthy meals on a budget. I could talk about this all day, so I narrowed in on 7 specific habits that help me eat healthy on a budget. So, go grab yourself a pen and paper and let’s get to it.

Xo Molly

Next Steps:

Questions? Email me at mollybenell@gmail.com

85. Release the Pressure to Make More Money by Achieving Abundance God’s Way: 5 Bible Verses to Apply to Your Budget.

Tue, 09 Jul 2024 06:00:00 -0500

How often do you find yourself looking for ways to make more money or to save and become more frugal than you already are? Finances are tight, times are tough and the only answer is to figure out ways to cut more costs or go back to work.

All that those thoughts do is put unimaginable pressure on you! Pressure is not how you are going to enjoy your life or even make a joyful environment for your family and those around you. In this episode I am going to share with you 5 bible verses to help you release the pressure and thought, that more money is the answer.

Go grab that stroller, plug in those headphones and let’s get to it.

Xo Molly

P.S. Want to stick to your budget? Grab a free Clarity call and let’s dive into what is holding you back. Go to calendly.com/mollybenell and book your call today.

Next Steps:

Questions? Email me at mollybenell@gmail.com

84. Real Life Budget: How to Know if You’re off Budget or if It’s Time to Rework Your Categories.

Tue, 02 Jul 2024 06:00:00 -0500

Hey Mama,

Have you ever wondered why you are always off budget and can never seem to get back on budget? Well you are in luck. This week as I take you through my budget for the month of June I realize that it’s time to update my budget. You get to see the things that I planned, how they didn't pan out and what the ultimate decision was that made me realize it was time to update my budget.

There is a big difference between being off budget and needing to rework your categories and that is exactly what you are going to learn. So go grab that stroller, plug in those headphones and let’s get to it!

Xo Molly

P.S. I am offering free Clarity Calls to help you figure out why you are struggling to stick to your budget. Go to calendly.com/mollybenell and book your call today.

Next Steps:

Questions? Email me at mollybenell@gmail.com

83. 5 Truths About a Digital Cash Envelope System and Why a Single Account Doesn’t Work On One Income.

Tue, 25 Jun 2024 06:00:00 -0500

Hey Mama,

Have you ever thought about using a digital cash envelope system? Well today I am going to be sharing with you 5 reasons you should. Maybe you’ve thought that it would be a lot of work, but what I have learned is that it’s just as easy as utilizing a single account but with many more benefits. Especially when it comes to living on one income.

So go grab that stroller, pop in your headphones and let’s dive into what a digital cash envelope system can do for you.

Xo Molly

P.S. Want to stick to your budget? Grab a free Clarity call and let’s dive into what is holding you back. Go to calendly.com/mollybenell and book your call today.

Next Steps:

Questions? Email me at mollybenell@gmail.com

82. 4 Ways to Set Boundaries and Help You Say No to Your Overspending Habits.

Tue, 18 Jun 2024 06:00:00 -0500

One of the hardest things to do, is to tell yourself no. Keeping other people accountable and knowing that you have others to keep you accountable makes the hard decisions so much easier.

However, when you are the only one keeping yourself accountable you easily change your mind or rationalize that you can do something else because it won’t make that much difference if you say yes this one time. This forms loose boundaries and you find yourself going from a one time thing to continuously saying yes. Putting yourself into a financial struggle.

This is what episode 82 is all about. Setting strong boundaries and giving yourself the help to say No when you would normally say yes. This episode is going to give you the ability to set strong boundaries and say no to your overspending habits.

So grab yourself a pen and paper because today's episode is chalk full of information that you are not going to want to forget and let’s dive in!

Xo Molly

P.S. Want to stick to your budget? Grab a free Clarity call and let’s dive into what is holding you back. Go to calendly.com/mollybenell and book your call today.

Next Steps:

Questions? Email me at mollybenell@gmail.com

81. My #1 Tip to Help Ease the Pressure of Increasing Prices.

Tue, 11 Jun 2024 06:00:00 -0500

Hey Mama,

I see your struggle. I see how much you are trying to keep your grocery budget down all while fighting inflation and rising prices. Unfortunately no matter how much you wish you could, you cannot control prices, but what you can control is your budget and that’s what we are going to go over today. How to inflation proof or better said ease the pressure inflation puts on your budget.

So give your kiddos some magnatiles and grab yourself a pen and paper and let’s get to it.

Xo Molly

P.S. Want to stick to your budget? Grab a free Clarity call and let’s dive into what is holding you back. Go to calendly.com/mollybenell and book your call today.

Next Steps:

Questions? Email me at mollybenell@gmail.com

80. Real Life Budget: How I Was Able to Stick To My Budget Even When I Feel Like I’m Failing.

Tue, 04 Jun 2024 06:00:00 -0500

Hey Mama!

It’s the first episode of the month, meaning we are going to dive into what happened in my budget this past month. What I planned, what I didn’t plan, how I handled things and what I could have done differently.

So go grab your headphones and a nice cool drink and let’s dive into what I did so that you can learn from me and make your budget even better.

Xo Molly

P.S. Want to stick to your budget? Grab a free Clarity call and let’s dive into what is holding you back. Go to calendly.com/mollybenell and book your call today.

Next Steps:

Questions? Email me at mollybenell@gmail.com

79. 3 Ways to Live on Less Than You Make and Reach Your Financial Goals Fast.

Tue, 28 May 2024 06:00:00 -0500

Hey Mama,

Today’s episode is all about learning how to live beneath your means. Which essentially means learning how to live on less than the number on your paycheck. When you first start managing your money your focus is on the amount that is left in the account. Meaning you buy what’s most important first and then use the leftover as you please.

This is a good starting point in managing your finances, but it’s not going to help you pay off debt or achieve any financial goal you wish to reach in the future. It’s an in the moment paycheck to paycheck style of budgeting, which again is a great starting point to help you start being mindful about your money,

However, your ultimate goal is to be able to save for your future wishes and desires. And how you start doing that is what this episode is all about. This episode will help you set up your budget so that you are living on less than you make, allowing you to pay off debt and start saving for those living big on a budget dreams that you have.

So go grab that stroller, plug in those headphones and Let’s get to it!

Xo Molly

Next Steps:

Questions? Email me at mollybenell@gmail.com

78. Summer Budgeting: Setting up Your Budget for a Fun and Memorable Summer.

Tue, 21 May 2024 06:00:00 -0500

Hey Mama,

Welcome to the one income family podcast. Today I have a real treat for you. Summer is almost here and I know that you are excited and ready to have some good ole summer fun! I am right there with you dreaming of camping, swimming, gardening and simply just being outside all day long. I, my friend, have been cooped up for far too long. Bom Fires, roasting marshmallows and star gazing are on my mind and bring me so much excitement. Fishing, kayaking, sand volleyball you name it I am ready for it!

Now why am I telling you all of the fun summer activities I am excited for? Well that’s because today’s episode I am going to share with you how to set up your summer budget so that you can go out and have the fun that you are dreaming of for the summer. Whether it’s a large family vacation like going to Disneyland or just a simple backyard campout. Whatever you are dreaming of for the summer, let's set up your budget so that those dreams become reality.

So pop in your headphones, head outside to soak up some sun and let’s get to it.

Xo Molly

Next Steps:

Questions? Email me at mollybenell@gmail.com

77. 4 Unexpected Reasons You Are Stressing Over Staying on Budget and How You Can Overcome Them.

Tue, 14 May 2024 06:00:00 -0500

Today’s episode is going to be all about why you want to budget and stick to it so badly, specifically meaning not throwing the budget to the curb when your numbers go over what you predicted.

Life is unexpected, things are going to happen, you’re going to give into temptation and when all of your energy is going into worrying whether you’re going to stay on budget or not your quality of life falls.

That is why I want to share with you these 4 reasons that get you so wrapped up in having to stay on budget that you forget the purpose of the budget. Your budget isn’t what controls your quality of life, your attitude is. That is why it is so important to know what could be affecting the way you are looking at your life.

So go grab that stroller, pop in your headphones and let’s get to it.

Xo Molly

Next Steps:

Questions? Email me at mollybenell@gmail.com

76. Real Life Budgeting: How I Handled Two Weddings in One Month on One Income.

Tue, 07 May 2024 06:00:00 -0500

On today’s episode we are going to be diving into my real life budget. You’ll see whether I stayed on budget or not, what I had planned and how they changed, how I handled the change and so much more.

As I’ve said many times over, budgeting isn’t about stressing over whether you stayed on budget or not, it’s about how you handle the changes that life or even your temptations bring you.

So let’s dive into today's episode so that you can see how I was able to go to two weddings in one month, so that you can take my thoughts and put them into action with your own budget.

Go grab yourself something nice to sip on, take a breather and let’s get to it.

Xo Molly

P.S. I want to invite you to grab yourself a free Clarity Call so that you can find out what is keeping you from staying on budget. Go to calendly.com/mollybenell and book your call.

Next Steps:

Questions? Email me at mollybenell@gmail.com

75. How the Pursuit of Possessions Is Keeping You From Thriving on One Income.

Tue, 30 Apr 2024 06:00:00 -0500

Today we are going to be talking about the pursuit of possessions and how that is keeping you from living a joyful and abundant life on one income. When you are so hyper focused on things, your priorities start to change in an unhealthy way. Instead of your family and the needs of your family being the focus you are now focused completely on things, on the next new and shiny object that will bring you happiness for about 5 seconds and then you're off looking for the next shiny object.

Life is too short to be hyperfocused on things that will lose your attention in a matter of days, or months. So I want to talk with you today on why this happens and what you can do to overcome it.

So go grab that drink that gets you going in the morning and let's get to it.

Xo Molly

Next Steps:

Questions? Email me at mollybenell@gmail.com

74. 5 Tips to Surviving After Getting off Budget

Tue, 23 Apr 2024 06:00:00 -0500

Hey Mama,

I am so glad to see you back here with me on another episode of the one income family podcast. I am so honored to have you here with me investing in yourself to create a better life on one income. Dreaming for the future, setting goals and putting your money towards the things that you and your family enjoy.

But life is messy. You are human and there will be times when you get off budget. You, me, nobody is perfect and to expect perfection is to expect failure. So instead of only planning for the days where you are productive and on point, let’s also plan for the days where things go south and you get off budget.

Here are 5 steps that I take when I can’t think straight. These are the steps that I take when I don’t feel like budgeting. These are the next right steps to take that will get you through a tight spot.

So go grab that stroller, pop in those headphones and let’s get to it.

Xo Molly

Next Steps:

Questions? Email me at mollybenell@gmail.com

73. Do You Find Yourself Lashing Out Due to the Stresses of Living on One Income? 4 Ways to Find Peace in Financial Overload.

Tue, 16 Apr 2024 06:00:00 -0500

How often do you find yourself riding the emotional rollercoaster of finances? One second everything is fine and dandy, you’re going about your day only thinking of money when you’re working on the budget or are out spending money or even planning that vacation. Nothing too heavy, it’s pretty black and white and things feel simple.

The next second your husband is throwing the idea of a job change at you, or someone gets sick and a doctor's bill shows up and you are having to stretch your money as tight as you can without breaking both financially and emotionally.

You find yourself exhausted, irritable and short with everyone. Then piles on the mom guilt and wife guilt (if that’s even a thing) making you feel like a terrible person all because you’re worried about the possible outcome of the change and only having one income. Always questioning if you will have enough to take care of your family.

And that my friend is what today’s episode is all about. I am going to give you 4 things that you can do to ease the stress of living on one income.

So go grab that stroller, plug in those headphones and, Mama, let’s go get you some peace!

Xo Molly

Next Steps:

Grab Your Budget Check Up

Questions? Email me at mollybenell@gmail.com

72. Tired of Being Frugal Just to Stick To Your Budget? My Budgeting Method That Makes Sticking To Your Budget Easy!

Tue, 09 Apr 2024 06:00:00 -0500

Today we are going to be going over the method that has changed my financial game forever. It’s the reason that my family and I have been able to achieve so much on one budget, like paying off debt, buying houses, renovating those houses, going on vacations, saving for the future and so much more.

The reason we have been able to do so much is because this method makes sticking to your budget easy by eliminating tracking. The one thing that nobody wants to do or has time for, that we end up forgetting and giving up on. The main reason you can’t stick to your budget. It’s not fun, it’s a pain so why not find a way to get rid of it. This method also gives every dollar a job quickly, easily and without worry of it being used on those in the moment splurges.

Xo Molly

Next Steps:

Questions? Email me at mollybenell@gmail.com

71. Ready to Live Big on a Budget? 3 Signs You Are Living With a Poverty Mindset and How It’s Affecting Your Budget.

Tue, 02 Apr 2024 06:06:00 -0500

Living with a Poverty Mindset is a lifestyle that you choose.

It’s a lifestyle full of fear, full of the thought of not having enough. Yes, there are people out there living in poverty, but that’s not you. You are however living with a poverty mindset in one of two ways 1) You're spending everything you have on things that don’t bring you longterm joy or 2) you’re hoarding your money away, saving it with no plan of use or purpose, rather just to have.

Life is full of unknowns and if there is one thing my husband, who loves to just spend money, has taught me is that money is fun and that money can be used to bring us joy and will not harm us in the process. We harm ourselves when we allow fear to control our actions. Taking away what’s important to us and replacing it with uncertainty.

We all want to live abundantly. To thrive and do big things even on a budget, but you have allowed fear to control your actions for so long that it’s become a habit.

And that Mama, is what this episode is all about. You will learn what it means to live with a poverty mindset. The words you say, the actions you take, the way you budget so that you can take action against them and create a life where you are in control of your money living in joy and peace instead of fear and scarcity.

So listen in today as I take you through these three signs and really dig deep to find out what is causing your poverty mindset, so that you can break your habit and live in abundance.

Xo Molly

Next Steps:

Questions? Email me at mollybenell@gmail.com

70. Struggling to Stick To Your Budget? How to Recover When You Get off Budget.

Tue, 26 Mar 2024 06:00:00 -0500

What do you do when things don’t go as planned?

I don’t know about you, but I can’t tell you one time life happened exactly the way I planned it. I am a full out planner and thrive when I know what’s happening. I am constantly rearranging my life to figure out a better routine or schedule that I can thrive in. However, no matter how hard I try, things always seem to get off track, and I’m stuck problem solving my way out of it.

Budgeting is no different. Life happens that we could never plan for. Things change and we have to figure out how to make the most of it. Sometimes we are proactive, but a lot of the time stress keeps us reactive and doing whatever is needed in the moment.

That is what this episode is all about. I want to help you become proactive instead of reactive, because if you have a plan in place for the unexpected then you don’t end up using money that you need inorder to get through the pay cycle. This will prevent the stress and reactionary responses that put you in a negative spiral.

So listen in as I talk you through what happens when I get off budget and how I am able to reset the budget for the next paycycle.

Xo Molly

P.S. I am offering free Clarity Calls to help you figure out why you are struggling to stick to your budget and help you create your personal solution to stay on budget. Go to Calendly.com/mollybenell and book your call today.

Next Steps:

Questions? Email me at mollybenell@gmail.com

69. Ready for Some Consistency? How to Budget With Irregular Paychecks

Tue, 19 Mar 2024 06:00:00 -0500

Have you ever found yourself in a position where no one paycheck was the same amount?

Or have you found yourself in a job where it was seasonal and you were only paid a certain amount of months out of the year?

Well that my friend is exactly what this episode is all about.

It’s one thing to have inconsistent paychecks when there are two incomes coming in because you will have the one to fall back on, but when you are on one income the tables are turned and it’s a totally different story.

In this episode you will learn:

What tools you need to set up a budget that you can follow

How to confidently create a budget that makes irregular paychecks feel peaceful.

Whether you can take a job like this and know if you can make it on one income.

So go grab a pen and paper, settle down in a comfy chair and listen in so that you can take your next step to sticking to your budget creating peace on one income.

Xo Molly

P.S. Hey Mama, Do you want to stick to your budget, but have no idea where to start? Then I want to invite you to hop on a FREE Clarity Call with me. This is a call where we will identify the leaks in your budget and create a list so that you know which leak in the budget to tackle first. Head on over to calendly.com/mollybenell and grab a FREE Clarity Call so you can Stick To Your Budget by First Learning Where to Start.

Next Steps:

Questions? Email me at mollybenell@gmail.com

68. How to Live on One Income: 9 Tips to Get You There Fast [Part 2]

Tue, 12 Mar 2024 06:00:00 -0500

Do you struggle living on one income? Do you wish there was an easier way? Are you ready to take action and make your one income journey one of joy and abundance?

This episode is the second of two episodes that are going to take you through 9 tips on how to live on one income. These two episodes are going to give you the tools, the mindset shifts and communication needed to live a one income life as a stay at home mom.

So, go grab a pen and paper because these two episodes are chalk full of information that is going to up your one income game and get you closer to sticking to that budget.

Let’s get it.

Xo Molly

P.S. I want to invite you to skip the messy middle of trying to figure this one income life out on your own and grab a Free Clarity Call to learn more about how I can help you start sticking to that budget so that you can start building wealth.

Next Steps:

Questions? Email me at mollybenell@gmail.com

67. How to Live on One Income as a Stay at Home Mom: 9 Tips to Get You There Fast [Part 1]

Tue, 05 Mar 2024 06:00:00 -0600

Do you struggle living on one income? Do you wish there was an easier way? Are you ready to take action and make your one income journey one of joy and abundance?

This episode is the first of two episodes that are going to take you through 9 tips on how to live on one income. It’s going to give you the tools, the mindset shifts and communication needed to live a one income life as a stay at home mom.

So, go grab a pen and paper because these two episodes are chalk full of information that is going to up your one income game and get you closer to sticking to that budget.

Let’s get it.

Xo Molly

P.S. I want to invite you to skip the messy middle of trying to figure this one income life out on your own and grab a Free Clarity Call to learn more about how I can help you find money hidden in your budget and get you sticking to that budget so that you can start building wealth. Click here to see if this is what you have been looking for.

Next Steps:

Questions? Email me at mollybenell@gmail.com

66. Why Your One Income Budget Isn’t Working!

Tue, 27 Feb 2024 06:00:00 -0600

Hey Mama, today we are going to be going over why your budget isn’t working for you. A budget is an amazing tool that can get you places you never thought you’d be, but in order to get to that place it has to work for you. It has to be something you and your family can get behind and get excited for, otherwise you’re simply wasting your time creating a plan that you will throw out the window at the first sign of trouble. I know, I’ve been there. That is why today I have chosen 3 specific reasons your budget isn’t working for you and I’m going to give you the next right step to getting your budget on track and something you are excited to follow.

Xo Molly

Next Steps:

Questions? Email me at mollybenell@gmail.com

65. Do Your Expenses Out Weight Your Income? 3 Things You Can Do to Level the Playing Field.

Tue, 20 Feb 2024 06:00:00 -0600

I recently had someone reach out and ask me about what they could do if they had more expenses than income coming in, specifically they were looking for a way to cut monthly bills. I thought this would be a great thing to share with you because I know what it’s like living on a tight income and there are times that you may be living in the red rather than the black, which is fancy talk for your spending more than you bring in. I thought this would be a great topic to share with you so that if you are in this position or ever come to be in this position you can know the steps to take to get you and your family into a better financial position. So go grab them headphones and maybe your budget and let’s walk through what I like to call a Budget Edit.

Xo Molly

Next Steps:

Questions? Email me at mollybenell@gmail.com

64. Do You Struggle to Stick To Your Budget? 6 Money Management Tasks You Should Be Doing Every Month.

Tue, 13 Feb 2024 06:00:00 -0600

I know how difficult it can be when you sit down to do something and you have no idea what it is you should even be doing. Or maybe you do know some of the tasks but wonder if you should be doing more, like something is missing. That is why I decided I would take you through the big picture view of what it is you should be doing every month when it comes to your finances. The best part of this is that not only are these great tasks that will keep your money moving well for you, but they are also the tasks that God tells us to do in the Bible. That means that by doing these 6 tasks you will be bringing Glory to God and stewarding His money well.

Listen in as we walk through these 6 tasks that are going to move mountains for you in so many ways and let’s get you one step closer to sticking to that budget.

Xo Molly

Next Steps:

Questions? Email me at mollybenell@gmail.com

63. Take Away the Stress With These 6 Simple Steps to Financial Decision Making as a Christian Stay at Home Momma

Tue, 06 Feb 2024 06:00:00 -0600

Is decision making difficult for you? Especially the financial ones that are big dollar amounts. Do they bring you stress and interrupted sleep because you don’t know what you should do? That is exactly what we are going to be going over today. It’s time to take back your sleepless nights. It’s time to release that stress and use these 6 steps to decision making that allows you to make difficult decisions in peace knowing that you are doing the right thing.

Xo Molly

Next Steps:

Questions? Email me at mollybenell@gmail.com

62. Is Money Running Your Life? 3 Ways to Know Who’s in Control and What Happens When It’s Money.

Tue, 30 Jan 2024 06:00:00 -0600

Hey Mama,

Have you ever sat down and really thought about the way you look at money? Do you feel like you want to do more for others, but your bank account just won’t let it happen? Are you ready to stop stressing over your finances when tragedy hits? These thoughts have haunted me every single time I see someone in need. I want to help so badly, but my inner alarms go off telling me that I don’t have the income to help them or else I will be in danger and they always win out. As I sat down to write up this episode I got deep into the roots of why I think these thoughts. What is keeping me from giving my money to those who are in need the way Jesus would give his own shirt. Why can’t I be like him? I feel torn between doing what’s right and staying safe. In this episode you will learn who is really in control and whether you have allowed money to become your idol, along with the side effects that come with the idolatry of money.

Xo Molly

Next Steps:

Book a Financial Strategy Session

Questions? Email me at mollybenell@gmail.com

61. Setting Financial Goals So You Can Stick To Your Budget as a Stay at Home Mom

Tue, 23 Jan 2024 06:00:00 -0600

Hello my friend, it’s so good to be here with you today as I’m sitting here thinking about all of the goals my husband and I have set for this coming year. Now who knows if my budget will be able to stand up to all of these dreams and desires, but It's still a rush when I think of all of the things that we would like to accomplish this year. It's that rush that brings the excitement for my budgeting plan. It's that rush that keeps me motivated and accountable when using my budget each month. I know that come the end of the year exhaustion tends to overcome the rush, but it is so important to set these goals and dreams. Have you sat down with your spouse and thought through the things you want your money to do for you? Have you made a game plan on how you are going to achieve them? Well that is what we are going to talk about today! Whether you have 50 dollars left at the end of your paycheck or 2000, you want to make sure that each dollar has a job and the best way to do that is by setting goals!

So head to the kitchen, grab a nice WARM drink because I don't know where you live, but as I’m recording it is currently in the negatives as a high and my warm drinks have been my best friend. But I digress, so go grab that warm drink, pop in them headphones and let’s get to it.

Xo Molly

Next Steps:

Questions? Email me at mollybenell@gmail.com

Related Episodes:

5 Ways to Use Your Faith to Become Better With Your Finances

60. 5 Ways to Use Your Faith to Become Better With Your Finances.

Tue, 16 Jan 2024 06:00:00 -0600

Have you ever wondered how your faith and your finances go together? Do you desire financial security? Are you looking for a way to release the financial burden and stress that is weighing you down? Well today we are going to dive into the word of God and let scripture be our guide to finding Financial Security and Peace so that you can focus less on your finances or worrying about the dollar amount in your bank account, to being able to focus more on God and your family. Money is given to us by God to Steward for His will so by focusing on our faith we can do better with our finances.

Xo Molly

Next Steps:

Questions? Email me at mollybenell@gmail.com

Related Episodes:

59. Don’t Want to Track Your Money? My Simple Financial Tracking System That Takes Minutes and Keeps You on Budget

Tue, 09 Jan 2024 06:00:00 -0600

How often do you find yourself unable to stick to your budget all because you can’t get yourself to fill out a simple ledger or better said track your spending? In today’s episode you are going to get a look at the system I used not only to keep track of my own spending, but that I coach on and you could have as well when you book a Financial Strategy session with me. We are going to dive into what it looks like to track your finances so that you can start sticking to your budget today. Just imagine being able to shed the fear of overspending because that is what this system will do for you!

Xo Molly

P.S. I want to invite you to head over and grab a Financial Strategy Session so that you can start creating habits and setting in place small changes that will get you closer to sticking to your budget and finding yourself able to focus on your family more than your finances. Go see if this is what you’ve been looking for.

Next Steps:

Questions? Email me at mollybenell@gmail.com

58. Budgeting Lessons Learned by a Stay at Home Momma Living on One Income

Tue, 02 Jan 2024 06:00:00 -0600

Hey Mama, it is officially 2024, and it’s the perfect time to start getting your finances in order so that you can confidently walk though the new year. That is why I thought today would be the perfect day to walk you through my journey of becoming a one income family. There are so many great lessons and ah ha moments that have not only changed the way I do budgeting, but have transformed my finances into what they are today. This transformation has given us the tools and ability to make sound financial decisions like changing jobs, buying vehicles, taking unexpected trips all without the stress and overwhelm that comes with it.

Xo Molly

Next Steps:

40. My Number One Rule That Keeps You From Spending Money You Don’t Have!

Questions? Email me at mollybenell@gmail.com

Related Episodes:

55. Living Paycheck to Paycheck? Put Your Bills on Autopilot to Ease the Stress

57. Did You Stick To Your Christmas Budget? How to Handle Change Without Stress!

Tue, 26 Dec 2023 06:00:00 -0600

In today’s episode I’m going to take you through my Christmas Budget. I am going to share my wins and my losses, what I could have done differently and how I can use that information to up my monthly budgeting game. So, whether you are cleaning up from Christmas, of which I hope you had a great Christmas, or if you are finally getting to relax after all of the hustle and bustle, grab a nice warm drink, take 5 with me and let’s dive into how I did with my Christmas Budget so that you can do the same with yours.

XO Molly

Next Steps:

Questions? Email me at mollybenell@gmail.com

56. Don’t Have Time to Be Frugal? Check Out These 3 Time Saving Budgeting Hacks

Tue, 19 Dec 2023 06:00:00 -0600

I think the famous and almost annoying phrase that we hear on the daily is there are only 24 hours in a day and no matter how irritating it may be to hear, we still feel it. When we are trying to cram everything we can into one day, overwhelm and burnout and eventually convince us to quit. That is why in this episode I am going over 3 budgeting Systems that are not only going to save you time, but will save you time, money and help you easily stick to your budget.

Xo Molly

Next Steps:

Questions? Email me at mollybenell@gmail.com

55. Living Paycheck to Paycheck? Put Your Bills on Autopilot to Ease the Stress

Tue, 12 Dec 2023 06:00:00 -0600

How long does it take you to pay your bills? What if you could do it in 5 min? Today’s episode is going to change how you pay your bills forever. It’s going to take away the stress, it’s going to take away the guesswork, it’s going to give you back your time but more importantly it’s going to make sure that all your bills are paid and paid on time! This system will help ease up that mental stress caused by your finances by making it simple and less hands on. The only time you will have to get back into this system is when you add or subtract a payment otherwise it stays the same every single paycheck.

Xo Molly

Next Steps:

Questions? Email me at mollybenell@gmail.com

54. Ready for Financial Stability? How an Emergency Fund Can Get You There Fast.

Tue, 05 Dec 2023 06:00:00 -0600

The one constant that we can come to expect in our financial journey is the unexpected. You work so hard to stick to your budget so that you can save money, hit those goals and so much more. But what you don’t plan for because let’s be real, it’s not fun, are the unexpected events, or better said emergencies.

You don’t want to think about things going wrong. You don’t want to think about losing a loved one. When you sit down to plan, it’s for that perfect life that goes without kinks and twists and turns that make you want to pull your hair out, but that’s life! It’s the unexpected, having to deal with things we never thought we would be worrying about. Whether it’s your vehicle, your house, your health, losing a job, having a plan for the unexpected is paramount for that financial stability and peace you are looking for.

That’s exactly what this episode is all about, emergency funds and how to financially handle the unexpected.

Xo Molly

Next Steps:

Questions? Email me at mollybenell@gmail.com

53. If You Are Sick of Not Knowing Where Your Money Is Going, It’s Time to Do a Financial Audit.

Tue, 28 Nov 2023 16:00:00 -0600

Have you ever asked yourself why they say you should do a Financial Audit? I know how difficult it can be and how painful it can be to bring up all of the emotions that come with spending money, but it’s so important to do.

In today’s episode we are talking about why you should be auditing your expenses. So that you have the tools to set yourself up financially. So that you can make smarter, more concret financial decisions that will take you further on your journey and really start you off on the right foot.

An audit simply opens your eyes to what is going on in your budget. It’s your choice to take it and run with it or not.

Xo Molly

Next Steps:

Book a free Clarity Call

Questions? Email me at mollybenell@gmail.com

52. Which Is More Important, Money or Family? 4 Truths That Say It’s Money.

Tue, 21 Nov 2023 06:00:00 -0600

Hey Mama,

I know how difficult it can be to get lost in the world of money. To see all the income you have leftover that you can play with or feel the stress of not having any extra income to play with at all. All the possibilities and goals you can set or can’t set.

Your focus is flipped from what’s truly important to the things that you can or can’t buy and that becomes the thing that you sit on and brood over and over in your brain. It’s the only thing you can think about and before you know it your life has passed in front of your eyes and the only thing you can remember is how you couldn’t buy something or how long it took to be able to buy that thing.

You’ve lost sight of what’s truly important. God, Your Husband, Your Children. Your family, Your friends. They have become an afterthought. That is why in this episode I want to open your eyes to what God tells you about money and what the world is doing to you. Manipulating you to put your identity in money.

The first step in making a change is to first see the problem. That is why I am talking about 4 truths that are keeping you from being present with your family.

Xo Molly

Next Steps:

Questions? Email me at mollybenell@gmail.com

CHRISTMAS BUDGETING SERIES // Day 5: Take on Those Sales Like a Champ With a Christmas Spending Plan

Fri, 17 Nov 2023 06:00:00 -0600

It’s Day 5 of the Christmas Budgeting Series and it saddens me to think that this is the last day of this amazing series. We started out looking into the past so that you can learn what you did and use that information to create a budget for Christmas. We talked about the true meaning of Christmas and creating your own personal family mission for the season so that you are able to enjoy the season rather than wear yourself out from all the craziness of the holiday. Yesterday we talked about 3 ways you can fund your Christmas budget, and today on the last episode of the series we are going to create your Christmas Spending Plan.

Earlier we created a budget allocating how much money goes into which holiday category, but today we are going to jump into each category so that you know what you plan on buying, where you plan on buying it, if you’re going to use a sale and so much more.

We get off budget when we only have a budget to follow. If you want to be able to stick to your budget, you have to have a spending plan so that you know what you’re looking for and you can easily get it. Think of it like meal planning. When you know what you’re going to eat, it’s so much easier to stay on budget compared to when you go in without a grocery list and end up buying everything that sounds good.

Xo Molly

P.S. Don’t miss out on the Christma Budgeting Sale that is only available from November 13 through Sunday November 19th. In this sale you get 20% off a Financial Strategy Session plus a Clarity Call that’s focused on setting up your Christmas budget based on what you learn in the Christmas Budgeting Series. Head on over and grab your SALE NOW. Let’s create your habits and systems together so that you can focus on your family over your finances.

Next Steps:

Questions? Email me at mollybenell@gmail.com

CHRISTMAS BUDGETING SERIES // Day 4: Do You Know How You’re Going to Fund Your Christmas Budget? 2 Ways You Can Find Money Today.

Thu, 16 Nov 2023 06:00:00 -0600

Welcome to Day 4 of the Christmas Budgeting Series! Can you believe it’s already day 4? We are over half way through this series that has been eye opening and has been helping you to create not just a financially successful Christmas, but also one that is focused more on the true meaning of Christmas.

This series is helping you to set intentions for how you want the month to look like. To help you create a stress free season that brings you and your family joy and cultivates an atmosphere of love and giving instead of what the world wants us to focus on, receiving.

If you have missed out on the last 3 days. Make sure you go back and listen so that you too can set up your Christmas to be financially stress free and go about the month of December the way you want it to be.

It’s officially Day 4 of the Christmas Budgeting Series, probably the day you have been looking forward to the most. The day we dive into all things income and how you are going to fund your Christmas Budget.

Xo Molly

Next Steps:

Questions? Email me at mollybenell@gmail.com

CHRISTMAS BUDGETING SERIES // Day 3: Is Your Christmas Budget Focused on the Wrong Things? 3 Ways to Create a Joyful Christmas.

Wed, 15 Nov 2023 06:00:00 -0600

Welcome to Day 3 of the Christmas Budgeting Series on the One Income Family podcast! The past two days have been so great helping you to open your eyes to the amount you have spent in the past and then using that to set up this year's Christmas budget.

Today in the Christmas Budgeting Series we are going to get a little less practical and a little more emotional. I think it’s so important to remember the meaning of Christmas and to create an atmosphere in the home that’s slower and able to focus on the more meaningful traditions or soon to be traditions that you do as a family.

I want you to mull over todays episode and really think about what you want your Christmas to look like and use that goal or better said mission to tweak your budget, to tweak your schedule and your whole idea of Christmas so that you are focused on the meaning of christmas rather than the marketing of Christmas.

Xo Molly

Next Steps:

Questions? Email me at mollybenell@gmail.com

CHRISTMAS BUDGETING SERIES // Day 2: Setting Up Your Christmas Budget To Keep you On Budget and Out of Your Monthly Living Costs.

Tue, 14 Nov 2023 06:00:00 -0600

Welcome to Day 2 of the Christmas Budgeting Series. Today is all about the Budget. Yesterday we learned what the categories were, what amounts needed to go into those categories and now today we get to plug it all into one comprehensive sheet that allows you to make sound decisions when putting together your Christmas Spending Plan!

It’s the boundaries you need so that you can continue to feed your family during the month of December so that you don’t have to swipe your credit card and make next year difficult because you bought too much. It’s the protection to keep you in the lines of how much to spend on gifts and food and giving.

This episode is going to help you stay on track so that you are able to go through the holiday with less stress and more joy.

Xo Molly

Next Steps:

Questions? Email me at mollybenell@gmail.com

CHRISTMAS BUDGETING SERIES // Day 1: How Much Are You Willing to Spend This Christmas? Find the Answer With These 6 Steps.

Mon, 13 Nov 2023 06:00:00 -0600

Welcome to Day 1 of the Christmas Budgeting Series on the One Income Family Podcast! Are you excited? I know I am!

Day one is all about auditing last year's Christmas spending. Now don’t freak out as auditing is simply a fancy term of looking over what you spent, totaling it up and deciding if you should continue what you are doing or not.

I mean tell it to me straight. How many Christmases have you ended up overspending, overcharging and later regretting it? Well this episode is going to shed some light on your Christmas spending habits so that you can make positive changes that will not only bring joy to your family, but ease the pressure on your pocket book.

Xo Molly

Next Steps:

Questions? Email me at mollybenell@gmail.com

51. Stay on Budget in Less Time With These 4 Budgeting Systems.

Tue, 07 Nov 2023 07:00:00 -0600

Hey Mama, I’m so glad to have you back with me on the One Income Family Podcast. I have more information on the Christmas Budgeting Series which I am super excited about! And today I am jumping into some systems that when plugged into your budgeting routine you don’t have to touch again unless there’s a big financial change obviously but essentially it takes the budgeting out of the budget.

Yes you heard me right. You can create a recurring budget that is simple and hands off. Which is so nice when you are in the nick of things. It helps you to save money by creating less touch points, helping you to essentially set and forget. This gives you back your time so you can start tracking your finances and learn the amount that truly needs to be in each category and you can focus more on learning how to be frugal. It’s a win-win in all areas!

So listen in so that you too can set in place these systems that will give you back your time, but most importantly give you back your peace of mind because sticking to your budget will become less of a chore.

Xo Molly

Next Steps:

Questions? Email me at mollybenell@gmail.com

50. 3 Myths That Will Keep You From Thriving on One Income and What to Do About It.

Tue, 31 Oct 2023 06:00:00 -0500

Is money how you define success? Do you find yourself reaching for the biggest and most expensive things because you don’t want to look poor? Mama, life is so much more than money. The world today tells us that money is power and that money is what defines our success. But today I want to challenge those thoughts. Today I want you to think about the things that life brings you and you can look at to really learn what success you should be focusing on. What does success mean for us without money! I want to separate your feeling of worth, your quality of life from money. What even is money, but the means or tool of trading for something you need or want. People were bartering for things they needed long before money even came into practice the way it has today. This is why I want to take you through each of these three things so that you can start living a joyful life regardless of how much money you bring in.

Xo Molly

Next Steps:

Questions? Email me at mollybenell@gmail.com

49. Stumped on Budgeting? How These 3 Systems Will Create the Ultimate Power Budget

Tue, 24 Oct 2023 07:00:00 -0500

Do you have a budget? Is your budget not working? How great would it be if you had a budget with systems that kept you on budget? Today we are diving into budgets but more importantly the different types of budgets and systems and how you can combine them to make the ultimate power budget. Every dollar will have a job which will reduce overspending due to that extra money just sitting in your account. You will also learn how to split up your income in a way that prevents you from spending too much on things that you only want and allows you to bring in the act of giving. Because when you give to those in need you grow in more ways than just financial wealth. So grab that pen and paper mama because you are about to create some crazy growth in your finances but more importantly in your heart.

Xo Molly

Next Steps:

Questions? Email me at mollybenell@gmail.com

48. Stressing Over Money? 3 Reasons You are Living Paycheck to Paycheck and How to Stop

Tue, 17 Oct 2023 06:00:00 -0500

Do you live paycheck to paycheck? Are you searching for a way to stick to your budget so that you can stop the paycheck to paycheck lifestyle? I am so happy you decided to join me today as we are going to dive into the nitty gritty of living paycheck to paycheck. I know how stressful and depressing it can be living paycheck to paycheck and I want you to know that it doesn't have to be that way. That is why today we are going to be talking about 3 reasons you are probably living paycheck to paycheck and how you can nip it in the butt so that you can start living stress free, from your finances at least, and start living the joyful life you were meant to live.

Xo Molly

Next Steps:

Questions? Email me at mollybenell@gmail.com

47. Struggling to Budget? How Financial Goals Can Improve Your Budget

Tue, 10 Oct 2023 06:00:00 -0500

Do you find it difficult to stick to your budget? Are you looking for a way to make it easier? Then look no further. In this episode we are talking about how setting financial goals can improve your budget. You and I both know how difficult it can be to stick to a budget let alone create a budget. That is how the implementation of setting financial goals for your budget comes into play. It can improve your mindset, your motivation and so much more. So go grab that basket of laundry and let’s dive in.

Xo Molly

Next Steps:

Questions? Email me at mollybenell@gmail.com

46. Keep Down the Overwhelm With This Simple Beginners Meal Planning System

Tue, 03 Oct 2023 07:00:00 -0500

Do you find meal planning overwhelming? Does the way that everyone explains it seem difficult and hard to put in place? Are you ready for a system that is Beginner friendly?

That is exactly what you will find in this episode!

I am diving deep into my simple beginners meal planning system. It helps solve the problem of what to serve when you’ve never made a meal plan before or maybe you’ve never even thought about what kind of meals your children will or won't eat. You will have a way of testing and making simple notes about meals that are a thumbs up or a thumbs down and easily figure out your go to meals.

Meal planning can be so overwhelming and time consuming if you are reinventing the wheel every time and I want you to be able to meal plan, so that you can not only save money, but feed your family healthy meals while keeping it simple and less stressful!

Xo Molly

Next Steps:

Questions? Email me at mollybenell@gmail.com

45. 5 Frugal Tips to Crafting the Perfect Date That Doesn’t Break the Bank!

Mon, 25 Sep 2023 07:00:00 -0500

Hey Mama,

Have you ever sat down and really thought about your ideal date, or your ideal family vacation? And I don’t just mean the overall activity, but the things that bring you closer and build relationships that will last through fights, sickness and heartache? I’m sure if I asked you what a date was you should spout out what the world says is a date, which is going out to eat at a high end restaurant. Now maybe that is something you would enjoy, but does it really build connection? Whenever I go out to eat no matter who it’s with I don’t feel like we really get to talk, or at least about anything deeper than how was your day. Whenever my family says they want to go out to eat I invite them over to my house instead because I feel when you are at home you stay longer than just the meal and dive into more in depth conversations.

Going out to eat is so not my thing, so I never find myself wanting to go on dates, because that is the picture the world has painted it to be.

Now you may be wondering what this has to do with budgeting, but I promise you just like last week when we talked about how important your fundamental needs are for you to be truly capable of diving into your finances. Knowing what you and your family enjoy and consider a true connection covers more than just connecting and building relationships.

By sitting down and discovering what you all enjoy doing and not doing will flow over into your finances and if you already know the activities that bring you joy, you can easily and quickly find a more frugal way of doing them.

So go grab your pen and paper mama because you are not going to want to forget today's juicy tips.

Xo Molly

P.S. Hey Mama, I want to invite you to hop on a FREE 30 min Clarity Call with me. This is a call that will help you decide the direction you should take on your one income journey. I know you are trying to decide if you need more income or not and that is exactly what this call will do for you. So please head on over to www.calendly.com/mollybenell and grab a FREE 30 min call so that you can continue on your one income journey.

Next Steps:

Questions? Email me at mollybenell@gmail.com

44. How Well Do You Take Care of Yourself? The Effects Your Fundamental Needs Have On Your Finances

Tue, 19 Sep 2023 05:00:00 -0500

Hey Mama,

Have you ever felt so exhausted and so burnt out that you couldn’t think straight? You know that time when your kids do the littlest of things and you just blow up. Well this is what we are going to be talking about today! As a Mom it can be too easy to push our needs to the side saying that they are not important as we continue caring for our family, our house, our job. We continue to pour out never to fill ourselves back up. I need you to understand that your fundamental needs should be one of your first focuses in order for you to steward and care for the things God has placed in your care. I also need you to give yourself grace because you are not perfect and times like this will happen, there are many examples all throughout the bible, but one in particular that I want to share with you. It’s the story of Elijah the prophet and the time he was so exhausted in every facet of his life he prayed that God would “Take his life” (1 Kings 19).

Exhaustion and burnout is a real thing that can be crippling. So listen in and learn how you can break the cycle bringing hope in every area in your life including your finances.

Xo Molly

Next Steps:

Questions? Email me at mollybenell@gmail.com

43. The Most Important Thing to Frugal Living.

Tue, 12 Sep 2023 07:00:00 -0500

Hey Mama are you in for a treat on the One Income Family Podcast! Today we are going to be going through the overall look of living a frugal life and I will be breaking it down to a simple system that allows you to take it and run with it in each area of your life that you are trying to be frugal. So grab a pen and paper as we dive head first into how to live a frugal life.

Xo Molly

P.S. Hey Mama, I want to invite you to hop on a FREE 30 min Clarity Call with me. This is a call that will help you decide the direction you should take on your one income journey. I know you are trying to decide if you need more income or not and that is exactly what this call will do for you. So please head on over to calendly.com/mollybenell and grab a FREE 30 min call so that you can continue down this path.

Next Steps:

Questions? Email me at mollybenell@gmail.com

42. Are You Frugal or Are You Cheap? 3 Benefits of Frugal Living.

Tue, 05 Sep 2023 07:00:00 -0500

Do you know the difference between being frugal and being cheap? Does the word frugal give you a bad taste in your mouth? Well my Friend, in this episode I’m going to be explaining to you the difference between being Frugal and being Cheap. People have given the word Frugal a negative connotation because they believe that the word frugal is just a fancy word for cheap, and I am here to tell you that that is not the case. Being Frugal is a way of life and it’s that way of life that I am eager to show you so that you two can live an abundant, joyful and financially healthy lifestyle. So go listen to this juicy episode and learn the benefits of frugal living. Don’t forget a pen and paper as you will want to write these benefits down.

Xo Molly

P.S. Hey Mama, I want to invite you to hop on a FREE 30 min Clarity Call with me. This is a call that will help you decide the direction you should take on your one income journey. I know you are trying to decide if you need more income or not and that is exactly what this call will do for you. So please head on over to calendly.com/mollybenell and grab a FREE 30 min call so that you can continue down this path.

Next Steps:

Questions? Email me at mollybenell@gmail.com

41. How Defining Your Why Will Keep You on Budget.

Tue, 29 Aug 2023 07:00:00 -0500

Hey Mama!

Just a heads up, today's episode is going to make you think a little bit, but I know you are ready for this challenge and that you are serious about sticking to that budget. So this, my friend, is where you want to start.

Today we are going to be talking about your why, and what I mean is the deep down reason as to why you are budgeting in the first place. Because trust me, there is no way you will ever stick to your budget if you don’t have a reason. It becomes just a piece of paper that you fill out but holds no weight when it comes to eating out again or buying just one more gift that you think needs to be added to the bottom of your closet.

Without knowing why you are truly doing this then I hate to break it to you, but you will never stick to your budget because there is no emotional connection that makes you do a double take on whether you should or shouldn’t buy the thing.

Xo Molly

P.S. Hey Mama, I want to invite you to hop on a FREE 30 min Clarity Call with me. This is a call that will help you decide the direction you should take on your one income journey. I know you are trying to decide if you need more income or not and that is exactly what this call will do for you. So please head on over to calendly.com/mollybenell and grab a FREE 30 min call so that you can continue down this path.

Next Steps:

Questions? Email me at mollybenell@gmail.com

40. My Number One Rule That Keeps You From Spending Money You Don’t Have!

Tue, 22 Aug 2023 07:10:00 -0500

Do you find yourself at the gas station unable to get gas because you’ve already spent your paycheck? Are you tired of only getting half of your groceries because you bought those yoga pants that you really wanted?

Hey Mama! You are not alone! Today on The One Income Family Podcast, we are going to be talking about my number one rule when it comes to the first purchases from your paycheck. This will help keep you from spending the money you need to get those groceries and gas and all of the other important things that are a necessity for you to get through your week, no matter how you get paid.

Xo Molly

P.S. Hey Mama, I want to invite you to hop on a FREE 30 min Clarity Call with me. This is a call that will help you decide the direction you should take on your one income journey. I know you are trying to decide if you need more income or not and that is exactly what this call will do for you. So please head on over to calendly.com/mollybenell and grab a FREE 30 min call so that you can continue down this path.

Next Steps:

Questions? Email me at mollybenell@gmail.com

39. Is Your Grocery Budget Getting the Best of You? 4 Ways to Simple Living in the Kitchen That Also Saves You Money

Tue, 15 Aug 2023 07:00:00 -0500

Hey Mama,

I am here with you today scratching the surface of creating a simple and frugal kitchen. There are so many stages in the kitchen so don’t leave me just yet because you think this episode is going to be all about baking bread and preserving your garden! This is just the first step towards that goal, if that’s even a goal you have. If level 1 is all the deeper into a simple kitchen that you wish to go, then you do you girl!

With that said, I have 4 key ways to create your level 1 simple kitchen that gives you a simple entry towards a frugal kitchen. They are only as difficult as you wish them to be and can be a complete game changer towards your grocery budget.

So take a moment, go grab your coffee and let's figure out how you can eat good while on a budget.

Xo Molly

P.S. Hey Mama, I want to invite you to hop on a FREE 30 min Clarity Call with me. This is a call that will help you decide the direction you should take on your one income journey. I know you are trying to decide if you need more income or not and that is exactly what this call will do for you. So please head on over to calendly.com/mollybenell and grab a FREE 30 min call so that you can continue down this path.

Next Steps:

34. Looking to Cut Costs? The Benefits of a Bi-Weekly Grocery System

Questions? Email me at mollybenell@gmail.com

Related Episodes:

36. 4 Reasons You Can’t Stick to Your Grocery Budget and What to Do So That You Can

38. Have No Time to Budget? 4 Tips to Build a Budget That Takes Less Time.

Tue, 08 Aug 2023 07:01:00 -0500

How long does it take you to budget? Do you want a system that takes 20 min or less? Well you are in for a treat, as I am sharing 4 tips of my extremely simple almost no budget budgeting system that will have you spending no more than 20 min a paycheck to complete! These are four things you need to set in place so that you too can have a budgeting system that gives you back your time. Between babies, work, homeschooling, your garden and all the things you do, you don’t have time to reinvent the wheel every time you get a paycheck. So plug in them headphones and get this episode rolling so that you too can have a no budget budgeting system that gives you back your time!

Xo Molly

P.S. Hey Mama, I want to invite you to hop on a FREE 30 min Clarity Call with me. This is a call that will help you decide the direction you should take on your one income journey. I know you are trying to decide if you need more income or not and that is exactly what this call will do for you. So please head on over to calendly.com/mollybenell and grab a FREE 30 min call so that you can continue down this path.

Next Steps:

Questions? Email me at mollybenell@gmail.com

37. Do Your Finances Give You a Heart of Fear, Worry and Anxiety? How a Small Amount of Faith Can Calm the Storm

Tue, 01 Aug 2023 07:42:00 -0500

Settling into the storm is so easy to do, but not what God calls us to do. This week has been a rough one for me. My daughter is teething and running 104 degree fevers. I have went to the doctor and called the office more times in one week than I have ever done before, and needless to say, I am riding one heck of a storm. I am fearful that something bad could happen yet, there is nothing more that I can physically do. I tell you this not for sympathy or to make you feel bad, but rather to open up what God has placed on my heart to share with you.

During this time of fear, worry and anxiety He has placed on my heart a passage from the bible that has helped me through this storm. It is Matthew 8: 23-27. This is a pretty popular passage where Jesus Calms the Storm, and man are there storms raging inside of me.

One of them includes our finances as we have yet to settle into this new job and now have medical expenses to worry about and unfortunately my finances have been impacting the choices I have made concerning my daughter's care.

And I’m 100% certain I am not alone here! You may not be in this season right now, but I know that you have probably made some decisions that you might not have made if finances had not been an issue. And it’s this belief or shall I say unbelief that God is sharing with us today.

So Grab a pen and paper friend, because God has really been speaking some truth to me and I want to share it with you!

Xo Molly

P.S. Hey Mama, I want to invite you to hop on a FREE 30 min Clarity Call with me. This is a call that will help you decide the direction you should take on your one income journey. I know you are trying to decide if you need more income or not and that is exactly what this call will do for you. So please head on over to calendly.com/mollybenell and grab a FREE 30 min call so that you can continue down this path.

Next Steps:

Questions? Email me at mollybenell@gmail.com

36. 4 Reasons You Can’t Stick to Your Grocery Budget and What to Do So That You Can

Tue, 25 Jul 2023 07:30:00 -0500

Do you find it difficult to stick to your grocery budget? Are you overwhelmed everytime you go into the store and just give up halfway through shopping? Do your emotions soar every time you think about groceries?

Well you my friend are in luck! In today’s episode we are diving into the grocery budget. Now, depending on how you feel when you enter the store the budget can easily be pushed to the side!

And when you’re not tracking how much is currently in your cart your emotions get the best of you at check out after finding out how much you went over. It can be so embarrassing to put things back so you find yourself buying it all anyway.

That is why I put this episode together to help you see the top 4 reasons you struggle to stick to your grocery budget along with how to get you sticking to your grocery budget like a pro.

Xo Molly

P.S. Hey Mama, I want to invite you to hop on a FREE 30 min Clarity Call with me. This is a call that will help you decide the direction you should take on your one income journey. I know you are trying to decide if you need more income or not and that is exactly what this call will do for you. So please head on over to calendly.com/mollybenell and grab a FREE 30 min call so that you can continue down this path.

Next Steps:

Questions? Email me at mollybenell@gmail.com

35. Seeking God First to Fight the Worries of Living on One Income

Tue, 18 Jul 2023 06:31:00 -0500

I know how overwhelming it can feel living on one income. The overarching worry of do we have “the money” to buy food or maybe have some fun?

The bible tells us that that our lives are more than food or clothes (Matthew 6:25), and I believe that includes the number in our bank account.

This week we are getting a little off of our regular course to talk about something God has just been laying on my heart and opening my eyes up to this past week. I didn’t even see what it was until I sat down to record this episode and He revealed to me some hardships that are about to take course. So being the all powerful amazing God that He is. He intervened before the stress and the anxiety that would normally come could take place.

He sent me a message to stop the worry from taking over and prepare my heart of the things that could possibly take place in the near future, and giving me a strategy to help keep my heart at peace during this time.

It’s this message that He wants me to share with you today. How to not only go through life in peace because yes this message can be used anywhere in your life, but specifically with our finances and how overwhelming and overtaking they can be on our hearts and minds.

Xo Molly

P.S. Hey Mama, I want to invite you to hop on a FREE 30 min Clarity Call with me. This is a call that will help you decide the direction you should take on your one income journey. I know you are trying to decide if you need more income or not and that is exactly what this call will do for you. So please head on over to calendly.com/mollybenell and grab a FREE 30 min call so that you can continue down this path.

Next Steps:

Questions? Email me at mollybenell@gmail.com

34. Looking to Cut Costs? The Benefits of a Bi-Weekly Grocery System

Tue, 11 Jul 2023 07:00:00 -0500

Are groceries getting the best of your budget? Do you find yourself googling ways to stick to the grocery budget? Are you ready to finally take control and make your money work for you?

Hey friend! I am so glad to see you here on another One Income Family episode. Today we are looking into a system of mine that helps me not only stick to the budget, but cut costs as well. You’re getting a two for one this episode, where I am going to be telling you the benefits of my bi-weekly grocery system so that you can take advantage and get your grocery budget working for you rather than against you!

Xo Molly

P.S. Hey Mama, I want to invite you to hop on a FREE 30 min Clarity Call with me. This is a call that will help you decide the direction you should take on your one income journey. I know you are trying to decide if you need more income or not and that is exactly what this call will do for you. So please head on over to calendly.com/mollybenell and grab a FREE 30 min call so that you can continue down this path.

Next Steps:

Questions? Email me at mollybenell@gmail.com

33. Do You Know Where Your Money is Going? 4 Reasons to Start Tracking Your Finances Today

Tue, 04 Jul 2023 08:00:00 -0500

Does tracking your finances sound like a bore? Do you feel like your time could be better spent elsewhere? But you want to stick to your budget like a pro. In today’s episode I am talking all about tracking your finances. I am going to tell you 4 reasons you should track your finances and help you to change your mindset around doing it. You feel like you don’t have the time for it and that it’s unnecessary, but I am going to open your eyes to why it is important, what it can do for you if you just try it and how it can transform your finances especially when you live on one income.

Are you finally ready to stick to that budget? Are you sick of slipping back into bad spending habits that keep you from doing the things that your family enjoys? Are you tired of googling your answers and just want some help that doesn’t require a lot of reading?

Well you my Friend are in luck! I am a Personal Finance and Budget Coach looking for 5 lovely mamas who are willing to work with me in the beginning stages of my program to help me tweak and refine it to hit all of your needs. And wait for it, the first 5 mamas to sign up for a call with me will get a free financial audit + a 30 min strategy call to help you create a plan to stick to that budget like a pro.

So go book your free Financial Audit and Strategy Call now before they are all gone.

Xo Molly

P.S. Hey Mama, I want to invite you to hop on a FREE 30 min Clarity Call with me. This is a call that will help you decide the direction you should take on your one income journey. I know you are trying to decide if you need more income or not and that is exactly what this call will do for you. So please head on over to calendly.com/mollybenell and grab a FREE 30 min call so that you can continue down this path.

Next Steps:

Questions? Email me at mollybenell@gmail.com

32. Struggle With Budgeting On the Go? Try This Simple NO STRESS Budget

Tue, 27 Jun 2023 06:00:00 -0500

When it comes to your budget does it feel like when it’s out of sight it’s out of mind, making it impossible to follow out in the real world? Does your budget feel like a great idea in the moment, but when put to the test fails every time? We all know how difficult it can be to stick to the budget. Especially when you’re not looking at it. You go to make a purchase and last you checked you had enough money, but when you go take a look you find that you didn’t have the money for it and it stings! In today’s episode I’m going to introduce to you a simple budgeting system that you put in your wallet allowing you to be able to make purchases confidently and prevent the stress of overspending.

Xo Molly

Next Steps:

Questions? Email me at mollybenell@gmail.com

31. Do you Want to Stick to Your Budget? 3 Ways to Put Emotion Back into Your Spending Habits!

Tue, 20 Jun 2023 06:06:00 -0500

Are you looking for a simple solution to stick to your budget? Do you find overspending easy and stopping it hard? Well, then this is the episode for you. Today I laid out how putting your emotions back into your spending is the quickest and simplest way to make sure you stick to your budget. Now I know that you might be asking, how will my emotions keep me true to my budget? and I am going to keep that with the short answer of, your emotions control everything you do. Think on that! We stress eat, we spend money to not feel left behind and that’s just to name a few. And sadly, the world has found a way to make spending easy and emotionless, and that is what this episode breaks down for you so that you can start sticking to your budget today!

Xo Molly

Next Steps:

Questions? Email me at mollybenell@gmail.com

30. Need More Money? 4 Unique Ways to Cut Costs

Tue, 13 Jun 2023 06:00:00 -0500

Hey Friend!

Welcome to another One Income Family Podcast Episode. Do you dream of going on vacation, but never seem to be able to save up the money? Is your grocery budget so tight you can barely breath? Well my friend you are in luck! In today’s training we are going to look at 4 ways you can cut costs in the overall budget and keep more money in your bank account rather than on the expense tracker. These four things are simple enough, but I suggest only tackling one thing at a time so as not to overwhelm yourself. I myself am still in the process of embracing each one of these ideas and they have been an absolute game changer in the way I make financial decisions.

Xo Molly

Next Steps:

Questions? Email me at mollybenell@gmail.com

29. Do You ALWAYS Feel Broke? 2 Mindset Shifts to Find Freedom and Live Abundantly

Tue, 06 Jun 2023 06:00:00 -0500

Hey Friend! Welcome back to another episode on the One INcome Family Podcast! I am so honored to have you here with me as we tackle the uncomfortable feeling of being broke that comes with living paycheck to paycheck on one income. I have for you today 2 lies that you have tied yourself to that gives you your definition of abundance, and today we are going to challenge these lies and find you your true definition of abundance so that you can find freedom and live abundantly on one income! So go grab that load of laundry and maybe even a pen and paper because today you might want to take some notes and let's get started!

Xo Molly

Next Steps:

Questions? Email me at mollybenell@gmail.com

28. Fighting About Money? 3 Reasons It Happens and How to Stop It Before It Starts

Tue, 30 May 2023 06:00:00 -0500

Hey friend, welcome! I’m super excited to hang out with you today as we work on creating a money system that prevents those terrible and uncomfortable money fights between you and your husband. Today I have 3 reasons that these unfortunate fights break out and a solution for each as to how to prevent them before they happen! Are you excited? You know I am! So let’s not waste any time go get that laundry and let's dive in!

Xo Molly

Next Steps:

Questions? Email me at mollybenell@gmail.com

27. Should I fix it, buy it or DIY it? The step by step plan to help you decide.

Tue, 23 May 2023 06:00:00 -0500

Do you always throw things away when they break? Have you ever wondered if fixing the thing is a better option? Do you only look at your budget to see if you can afford to buy the thing new?

Well you are in luck my friend!

In today’s episode we are diving head first into making that decision. When something breaks we look at if it’s worth fixing. We look at the value of the product. We look at if we want to buy it, fix it ourselves, or have someone else fix it for us. And how we know which decision to make.

Listen in so that when the next situation arises you can confidently make your decision without a blink.

Xo Molly

Next Steps:

Questions? Email me at mollybenell@gmail.com

26. Why You Can’t Seem to Stick To Your Budget, and How Tracking Your Money Will Turn Things Around

Tue, 16 May 2023 06:00:00 -0500

Do you struggle with sticking to your budget? Do you find yourself spending money when you know you shouldn’t? Does your budget feel restricting?

In today’s episode we are going to uncover 3 big reasons behind why you can’t stick to your budget and then explain how just doing the simple action of tracking your money can transform your budget and your mind and bring you closer to a budget that you can easily follow.

So as always, go listen to the show, then jump on over and shoot me an email so you can ask your questions about all things frugal living and personal finance.

Xo Molly

Next Steps:

Questions? Email me at mollybenell@gmail.com

BONUS: 3 Truths About Living on One Income and Why Your Budget Isn’t Helping.

Fri, 12 May 2023 06:00:00 -0500

Do you struggle to decide if you should buy the thing? Does talking about Money with your husband end in yelling and tears? Do you feel like you don’t have enough money for fun family activities?

Well you’re in luck, because that is exactly what we are tackling today. I focus on three things that tend to get WAY too much credit than they deserve. I break them down and help you know if your budget is the culprit behind your struggle and how to fix it!

Listen to the episode, then jump on over and shoot me an email so you can ask your questions about all things frugal living and personal finance.

Xo Molly

Next Steps:

Questions? Email me at mollybenell@gmail.com

25.WELCOME TO THE ONE INCOME FAMILY!

Thu, 11 May 2023 16:45:21 -0500

Is your growing family putting pressure on your already tight budget? Are grocery costs cutting into your savings? Does sticking to the budget sound like an unmovable mountain? And even the thought of going on vacation is but a distant dream?

I am so excited you found me!

In today’s episode we will be talking all about the juicy things you will learn in this podcast. How it came to be, how it will help you and what you can expect from it.

So hold tight as we start down this new and exciting path.

Then jump on over and shoot me an email so you can ask your questions about all things frugal living and personal finance.

Xo Molly

Next Steps: