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If your money management system 
feels like it's complicated and 

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something that you don't even 
want to get into because it's 

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like untangling that necklace 
that's been sitting in your 

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jewelry box, it's already 
broken. 

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So today I want to talk about 
some ways to simplify our money 

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management so that it's easier 
for us to see when things might 

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not be working out, our plan 
might not be working out the way

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we want it to. 
That we can do some things that 

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will allow our brains to just 
take a sigh of relief and make 

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it simple. 
Make it simple, make it simple, 

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make it simple. 
So maybe your money management 

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system, right now you have a ton
of accounts, you're moving money

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from different places just to 
make sure that you have enough 

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in this account and enough in 
that account. 

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So when that auto pay comes 
through and all these things and

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you're just juggling money all 
over the place, or maybe you 

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have two 3-4 different apps that
you're tracking your money in. 

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Or maybe if you look at your app
or your categories, if you use a

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spreadsheet or whatever and you 
have too many, maybe it's best 

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to simplify those. 
When it comes to the categories 

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for myself, I like to have them 
all out there. 

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That part doesn't overwhelm me, 
but you have to do what works 

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for you. 
One of the things that's really 

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easy for that has made things 
easier for us is to have a few 

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accounts set up. 
And I'm not talking about like a

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ton of accounts. 
I'm just talking ones that help 

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us protect our money but also 
protect our money from 

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ourselves. 
So what I mean by that is we 

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have our bill pay account that 
all of our bills come out of and

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that's tied to our debit card 
because our family doesn't use 

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credit cards. 
And then we have our savings 

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account which has that small 
emergency fund. 

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But now that we've paid off all 
of our debt, it is that three to

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six months savings account. 
So we have that set up. 

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And then we have another account
that my husband uses for his 

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stuff. 
And so we have that system set 

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up because it allows everyone to
stay in their lane. 

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It allows us also to make those 
make it so that we don't we have

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access to that money, but not so
it's not so simple that I'm 

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swiping my debit card and I'm 
out and the next thing I know, I

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have, you know, spent our 
mortgage on some new clothes or 

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something like that. 
Like that money is separated 

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because that is for our bills. 
So having, you know, having a 

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very simple account system, 
having multiple accounts is 

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fine, but having maybe if you 
have 567 accounts and it just 

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feels chaotic for you, maybe 
your action step today is to 

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simplify and consolidate some of
those accounts and move that 

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money to a spot where it's going
to be easier for you to manage. 

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Now, another thing that I love 
to do when it comes to 

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simplifying the money is that 
budget is like that's like the 

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right or die. 
Because when I make those 

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decisions at the beginning of 
the month or the month before, 

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as we do in the membership is we
come together and we make those 

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decisions for our family the 
month before. 

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So we're as I'm recording this, 
this is May. 

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So towards the end of May, we're
going to be planning June's 

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budget. 
And so it helps me, I look at 

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our month and I say, hey, what's
coming up that I can pre plan 

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for within our budget. 
And I look at that I'm going to 

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be spending and then I can 
decide ahead of time so that 

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when those requests come up, I 
know, OK, this is part of our 

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plan. 
And if those requests come up 

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and it wasn't planned, then I 
can make that decision between 

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my husband and I. 
We can say, hey, is this going 

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to help us get us closer to our 
goals? 

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And if it's not, then we can say
no. 

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And it allows me to follow 
through better with the budget 

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and the things that I have set 
up for our family so that we can

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say yes to things that we want 
to, but also give us that 

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freedom to say, you know what, 
this is more important to our 

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family this month if you want to
be a part of that. 

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Right now, we are in the middle 
of the summer savings challenge.

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You can find more at 
debtrebelpodcast.com if you want

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to jump in on that. 
And we, if you sign up for the 

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VIP pass, you're going to get an
opportunity to join me for that 

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session where we just plan out 
the money for the following 

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month. 
It's a body doubling type 

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session. 
I talked about a few of the 

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things at the very beginning 
that sometimes we forget for the

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month of June, you know, that's 
Father's Day and then there's 

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graduations and we think through
some of those things that just 

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can pop up. 
So if you want to learn more 

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about that, hop on my website 
debtrebelpodcast.com. 

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The other thing is when we 
simplify our money and we don't 

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have to think about it 
necessarily on a daily basis, 

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then that's going to give us 
some more peace. 

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But it's also going to give us 
that confidence that our bills 

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are paid on time. 
It is allowing us to have a 

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little bit more peace and a 
repeatable system so that we 

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don't feel like we're just 
constantly in the state of 

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anxiety of is there enough in 
there? 

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And so that's why I so love 
teaching budgeting because that 

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is our road map. 
That's your guide for how you're

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going to spend your money for 
the month. 

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And then also helps you have the
confidence to say, Hey, these 

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things align with my goals for 
my family this month. 

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And this is how this is how 
we're going to choose to spend 

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our money. 
So again, if you have lots of 

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accounts set up and things just 
feel kind of chaotic, let's 

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evaluate what you have and see 
if some of those things just 

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need to be consolidated or 
brought into maybe one, one 

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account. 
So if you've got multiple 

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accounts, different places that 
you have, I got a savings 

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account here and I got a savings
account there. 

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What if you put those all 
together and then you had I do 

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highly recommend keeping your 
bills, your account for that you

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pay your bills out of separate 
from from any kind of, you know,

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additional spending so that 
you're not tempted to spend that

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money that's in there that's 
supposed to pay for, you know, 

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water and that kind of stuff to 
keep the lights on for your 

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family. 
And then that's going to allow 

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you to feel confident to spend 
money the way that works best 

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for you. 
So I hope that this episode was 

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helpful for you. 
And absolutely, I would love to 

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see you at the challenge debt 
rebelpodcast.com. 

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You can join us there. 
It's going till the end of May 

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and it's gonna give you some 
quick action steps to take to 

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help set this stuff up for you, 
but also find some money that 

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might be hiding from you. 
So there's some there's some 

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good stuff in there. 
I hope to see you inside the 

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challenge talk soon. 
Thank you for tuning into the 

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Debt Rebel show today. 
Ready to take your family 

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budgeting to the next level? 
Stop that paycheck to paycheck 

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grind and start living debt 
free. 

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Head over to my website, 
debtrebelpodcast.com. 

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That's DEBTRE delpodcast.com to 
grab resources, tools and tips 

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to make it happen. 
And don't forget, subscribe, 

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leave a review. 
And if you know another family 

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that will love hearing today's 
episode, it would be such a gift

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for both of us, your friend and 
me. 

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If you share this episode and 
remember your debt free life 

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starts with one brave step and 
I'm cheering you on every step 

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of the way. 
We'll talk soon. 

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Debt Rebel.