There was a time I couldn’t tell you where our money went — only that it always seemed to go faster than it came in.
Groceries, sports fees, bills, birthdays… it felt like every dollar already had a job before it even hit our account.
And as a mom of five and a wife trying to build something meaningful from home, that pressure sat heavy.
Because we’re the ones who juggle it all — the schedules, the meals, the math, the mood of the whole house — and on top of that, the money.
Some days, I felt like no matter how hard we worked, we were stuck in a cycle of barely catching up.
But something shifted when I realized that money wasn’t the enemy — my lack of clarity was.
I finally started tracking every penny — not because I loved spreadsheets or numbers, but because I was tired of feeling powerless. I needed to see where it was all going.
And the more I tracked, the more control I gained.
Like Alex Hormozi says: “Don’t wait until you’re debt-free to start saving. Save now — and tackle one debt at a time.”
That one truth changed everything for us.
Now, we’re not just managing money — we’re mastering it.
We’re teaching our kids what stewardship looks like.
And we’re building our dreams without letting debt dictate our direction.
This isn’t about perfection or penny-pinching. It’s about peace.
Because when you tell your money where to go, it stops controlling where you’re headed.
The Truth About Money and Motherhood
Let’s be honest — money hits differently when you’re a mom.
It’s not just numbers on a page or a balance in an app. It’s meals, memories, and midnight worries wrapped in dollar signs.
Because when you’re the one managing a big family, every penny has a heartbeat.
You’re thinking about shoes that suddenly don’t fit, the next grocery run, that field trip form you forgot on the counter, and the business you’re trying to grow in the middle of it all.
And while no one really talks about it, most moms carry the invisible mental load of family finances.
We know when bills are due, what the grocery total will be before the cashier even finishes ringing, and how to stretch leftovers into one more meal.
It’s not easy — but it’s sacred work. 💛
What I’ve learned over the years is this:
Money is emotional before it ever becomes mathematical.
If we don’t deal with our feelings around it — the fear, guilt, or even shame — we’ll keep repeating the same patterns.
I used to think budgeting meant restriction.
Now I see it as freedom with boundaries.
A way to tell my money where to go instead of wondering where it went.
That’s why I believe in tracking — not to obsess, but to stay aware.
Awareness brings peace. Peace brings wisdom. And wisdom brings freedom.
So if you’ve ever felt behind or like you’re failing at this “money thing,” take a deep breath.
You’re not failing — you’re learning.
And learning means growth.
How We’re Working Toward Debt Freedom While Building a Business
When people see a big family, a home-based business, and a mom who’s keeping it all together, they assume we’ve got the finances perfectly figured out.
But we don’t.
We’re still learning, still paying things down, still choosing wisdom over impulse every single day.
The difference now? We’re finally aware.
For a long time, I thought the problem was not making enough.
But what I’ve learned is this — the more money we make, the more money we spend unless we learn how to manage it.
Debt used to feel like a dark cloud over us — always there, always heavy.
Now, it’s more like a teacher. It reminds me to slow down, plan ahead, and be intentional.
Here’s what that looks like for us right now:
1. We face our numbers instead of avoiding them.
Even when it’s uncomfortable, I look at our accounts, write down what we owe, and track what’s coming in.
Because pretending the numbers aren’t there doesn’t make them go away — it just keeps me stuck.
2. We save while we pay down.
Like Alex Hormozi says, “Don’t wait until you’re debt-free to start saving.”
We put a little aside even while we’re tackling debt. It might not look like much, but it builds confidence and momentum.
3. We use a zero-based budget.
Every dollar gets a job — groceries, giving, business, bills.
When I tell my money where to go, it doesn’t have a chance to sneak away.
4. We talk about money as a family.
Nathan and I do small weekly check-ins, and we even include the boys in conversations about saving, giving, and earning.
It’s not about perfection; it’s about teaching stewardship.
And honestly?
This process has been so freeing.
Because once you stop running from the numbers and start tracking them, you realize you’re not as far behind as you thought — you just needed clarity.
That’s why I created my Ultimate Budget Planner — because seeing it all laid out changed everything for me.
I could finally understand where our money was going and how to guide it in the right direction.
This planner is for the mom in the middle — the one who’s working toward debt freedom, building a business, feeding a family, and refusing to give up.
Why Tracking Changed Everything
If I’m being honest, I used to avoid looking at our finances altogether.
I’d swipe the card, cross my fingers, and hope we made it to payday.
It wasn’t that I didn’t care — it’s that I didn’t know where to start.
Money made me anxious.
Budgets made me feel boxed in.
And spreadsheets? Forget it.
But here’s what changed everything:
I stopped trying to control every outcome and started tracking every input.
Because when you see where your money is actually going, something powerful happens — the chaos quiets down.
You stop living in guessing mode and start living in clarity mode.
You see where the leaks are. You see what’s working. You see how far you’ve come.
And for a visual learner like me, that’s everything.
When I can see it, I can change it.
That simple shift changed how I handled money, how I approached our debt, and even how I planned for our family’s future.
Now, tracking isn’t about perfection — it’s about progress I can actually see.
Because financial peace doesn’t come from having more — it comes from managing what you already have with intention.
Inside the Ultimate Budget Planner: The Tools That Keep Our Family on Track
I’ve used a lot of budgeting systems over the years — notebooks, apps, sticky notes on the fridge — but none of them fit the way a busy mom’s brain actually works.
That’s why I created the Ultimate Budget Planner, designed for moms who need their money system to make sense at a glance.
Because when you’re managing groceries, bills, side hustles, and little humans — you don’t have time to dig through tabs or fancy dashboards. You need simple, visual, and doable.
Here’s a peek inside and how I use it in real life:
✨ Monthly Budget Tracker — This is where everything starts. I write down our expected income and expenses, then adjust throughout the month. Seeing it in one place keeps me honest (and less surprised by mid-month chaos).
💳 Bill & Subscription Tracker — No more, “Wait… when did that renew?” I use this page to list due dates, amounts, and auto-pay details so I can stay ahead instead of playing catch-up.
💰 Zero-Based Budget Sheet — My personal favorite. Every dollar gets a purpose before the month begins. Groceries, giving, savings, business tools — it all gets assigned, and that structure brings so much peace.
📅 Financial Calendar — I keep this one printed on the fridge. It helps me track bill due dates, paycheck weeks, and family expenses all in one view.
🛒 Spending + Grocery Trackers — I’m a visual spender. When I see where my money is going, it’s easier to make better choices. Plus, it’s kind of fun to color-code categories (nerdy, I know — but it works).
💵 Savings + Debt Trackers — I love the 52-Week Savings Challenge and the Debt Payoff pages. They remind me that progress is progress — even when the numbers feel small. Watching those lines fill up is pure motivation.
📈 Profit & Loss + Tax Pages — For the business side of things, I track every expense and sale here. It’s a lifesaver come tax season — no more digging through old emails or receipts.
What I love most?
It’s not just a planner — it’s a record of growth. Every page tells the story of a family choosing intention over impulse.
Whether you’re managing a household, a side hustle, or both, this planner helps you see the big picture without losing your mind over the details.
Ready to Take Control of Your Family Finances?
If you’ve been craving clarity — not perfection — this planner was made for you.
It’s the same system I use to keep our big family and growing business running without losing track of what matters most.
You don’t need to be great with numbers.
You just need a place to start — a place that helps you see your money clearly so you can finally feel peace about it again.
👉🏽 Grab your copy of the Ultimate Budget Planner here and start writing your family’s freedom story, one page at a time.
Because this isn’t just about budgets — it’s about building a future that feels steady, spacious, and full of purpose.
Final Thoughts
Mama, I know it can feel like you’re spinning plates — family, bills, dreams, and dinner — all while trying to build something that lasts. But you’re not failing. You’re forging forward.
Every time you choose to look at your finances instead of avoiding them…
Every time you track instead of guess…
Every time you decide to plan, even when it feels impossible — you’re rewriting your family’s story.
Financial freedom doesn’t happen in one leap; it happens in a hundred small, faithful steps.
And every one of those steps counts.
You’re not just managing money — you’re modeling stewardship, wisdom, and legacy for the little eyes watching you.
Keep showing up. Keep learning. Keep building.
You’re not behind — you’re building something sacred.
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