The One Income Family | Budgeting for Stay at Home Moms, Frugal Living, Saving Money, Manage Money, Money Habits, Biblical Money Mindset

Molly Benell | Budgeting Coach, Personal Finance Coach

**TOP 2.5% FINANCE AND BUDGETING SUPPORT PODCAST** *** TOP 100 IN THE UNITED STATES *** Do you find it hard to save or get out of debt? Are you constantly searching for ways to save money and live on a budget? Do you have big dreams only to be stopped by not sticking to your budget? Are you ready for financial freedom? Then you, Mama, are in the right place! In this podcast you will learn what it looks like to budget on one income, how to partner with God in your finances, how to budget in a way that’s easy to stick to and how to cut costs and save money all so you can start building wealth. It is my mission to equip you with the tools that will help you achieve true abundance, where money isn’t a distraction, and you are able to create a Joy filled life regardless of the amount in your account. Where your focus is not on money, but on God and your family and you are living in Joy instead of Fear. Hey, I’m Molly. A stay at home mom of 2 beautiful baby girls, wife and Daughter of the Lord our God. I am a Podcaster and Budget Coach and I too have tried and failed many budgets. Sticking to them was next to impossible until I finally created a system that doesn’t rely on tracking, the nemesis of sticking to your budget. I have also learned what it means to be frugal instead of cheap, what it feels and looks like when you’ve created financial stability and are no longer living paycheck to paycheck. We’ve paid off loans, bought and renovated houses and are building wealth all on one income. So Mama, If you are ready to finally STOP living paycheck to paycheck… Create a Budget that you can EASILY implement and stick to, become frugal and cut costs like a champ and achieve those financial goals so that you too can live in financial peace creating a home filled with joy - this is the podcast for you! So go grab that stroller, plug in those headphones and let’s get to it! NEXT STEPS: . Book a Call - www.calendly.com/mollybenell . Join the FREE Community - https://www.facebook.com/groups/theoneincomefamily . Become an Insider - bit.ly/oneincomefamilyinsider . Questions? Email me - mollybenell@gmail.com read less

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

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

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 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: . Book a FREE Clarity Call . Join The One Income Family Community . Become a One Income Family Insider . Questions? Email me at mollybenell@gmail.com . Resources: 96. Is Your Money Spread Thin So You Never Actually Reach Your Goals? How to Budget Your Goals for Success. 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.

Episodes

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

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

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 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: . Book a FREE Clarity Call . Join The One Income Family Community . Become a One Income Family Insider . Questions? Email me at mollybenell@gmail.com . Resources: 96. Is Your Money Spread Thin So You Never Actually Reach Your Goals? How to Budget Your Goals for Success. 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.

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

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 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: . Book a FREE Clarity Call . Join The One Income Family Community . Become a One Income Family Insider . Questions? Email me at mollybenell@gmail.com

101. 3 Ways to Become More Consistent With Your Budgeting

101. 3 Ways to Become More Consistent With Your Budgeting

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 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: . Book a FREE Clarity Call . Join The One Income Family Community . Become a One Income Family Insider . 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.

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

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 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: . Book a FREE Clarity Call . Join The One Income Family Community . Become a One Income Family Insider . 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.

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

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 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: . Book a FREE Clarity Call . Join The One Income Family Community . Become a One Income Family Insider . Questions? Email me at mollybenell@gmail.com

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

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

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 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: . Book a FREE Clarity Call . Join The One Income Family Community . Become a One Income Family Insider . 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.

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

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 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: . Book a FREE Clarity Call . Join The One Income Family Community . Become a One Income Family Insider . 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.

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

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 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: . Book a FREE Clarity Call . Join The One Income Family Community . Become a One Income Family Insider . 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.

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

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 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: . Book a FREE Clarity Call . Join The One Income Family Community . Become a One Income Family Insider . 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.

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.

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 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: . Book a FREE Clarity Call . Join The One Income Family Community . Become a One Income Family Insider . Questions? Email me at mollybenell@gmail.com

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

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

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 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: . Book a FREE Clarity Call . Join The One Income Family Community . Become a One Income Family Insider . Questions? Email me at mollybenell@gmail.com

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

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

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: . Book a Budget Coaching Session . Join The One Income Family Community . Become a One Income Family Insider . Questions? Email me at mollybenell@gmail.com

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

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

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 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: . Book a FREE Clarity Call . Join The One Income Family Community . Become a One Income Family Insider . 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

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

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 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: . Book a Budget Coaching Session . Join The One Income Family Community . Become a One Income Family Insider . Questions? Email me at mollybenell@gmail.com . RELATED EPISODES: 40. My Number One Rule That Keeps You From Spending Money You Don’t Have!50. 3 Myths That Will Keep You From Thriving on One Income and What to Do About It.72. Tired of Being Frugal Just to Stick To Your Budget? My Budgeting Method That Makes Sticking To Your Budget Easy!

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

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

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 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.

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

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

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 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: . Book a FREE Clarity Call . Join The One Income Family Community . Become a One Income Family Insider . Questions? Email me at mollybenell@gmail.com

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

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

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 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: . Book a FREE Clarity Call . Join The One Income Family Community . Become a One Income Family Insider . 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.

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

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 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: . Book a FREE Clarity Call . Join The One Income Family Community . Become a One Income Family Insider . 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.

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

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: . Book a FREE Clarity Call . Join The One Income Family Community . Become a One Income Family Insider . 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.

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

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: . Book a FREE Clarity Call . Join The One Income Family Community . Become a One Income Family Insider . Questions? Email me at mollybenell@gmail.com