How many times have you said "I'll get my money together next year"? If you're like most women, you've been saying some version of that for years - and every January, you start feeling behind before you even begin.

We have three months left in 2025. Three months to make real progress instead of waiting for some mythical "perfect time" in January that never comes.

In this episode, you'll discover:

• How to decide your December money story (not a budget - a story about how you want to feel about money on January 1st)
• Why picking ONE financial focus for the next three months creates more progress than trying to do everything at once
• The most important decision: are you doing this alone or getting support?

Plus, why the women who end 2025 feeling confident about money are the ones taking action right now, not waiting for January.

Ready to stop waiting and actually transform your relationship with money? Applications are open for Moneywise Mastermind starting October 20th. Book a strategy call to explore whether it's the right fit for you.

Book a free consultation call with Katy: calendly.com/almstromcoaching/moneywisechat

Apply for Moneywise : katyalmstrom.com/moneywise

Connect with Katy:

IG: www.instagram.com/katy_almstrom
FB Group: www.facebook.com/groups/debtpayoffforwomen

Episode Description:

The journey from money chaos to money confidence isn't a straight line - it happens in stages. And understanding exactly where you are can help you focus on what you actually need next.

Fresh off our 3-Day Money Reset Challenge, I'm sharing the 5 stages every woman moves through on her path to financial confidence:

You'll discover:

• Stage 1: Money Avoidance (and why looking is always better than not looking)
• Stage 2: Money Awareness (when you have information but don't know what to do with it)
• Stage 3: Money Management (systems that work most of the time but you still second-guess decisions)
• Stage 4: Money Confidence (frameworks that work automatically without guilt or stress)
• Stage 5: Money Mastery (using money strategically to build wealth and create impact)

Plus, why these stages aren't linear, why you can't skip the foundation-building that happens early on, and how to identify exactly where you are right now.

Most women get stuck between Stages 2 and 3. They manage their money okay but never feel truly secure about their financial choices.

What if 2025 was the year you moved to Stage 4?

Ready to move beyond money management to true money confidence? Applications are open NOW for the Moneywise Mastermind.

www.katyalmstrom.com/moneywise

Join the 3-Day Money Reset Challenge here: https://www.katyalmstrom.com/challenge

Connect with Katy:

IG: www.instagram.com/katy_almstrom
FB Group: www.facebook.com/groups/debtpayoffforwomen

When was the last time you actually looked at where your money went last month? Not just glanced at your bank balance, but really examined where every dollar went and why?

Most of us are running on financial autopilot, making money decisions based on how we feel in the moment or what seems urgent. But we never step back to see the bigger picture.

If you're tired of wondering where your money goes every month, this episode is your wake-up call.

You'll discover:

• What a money reset actually is (and why it's not about shame or judgment)
• The Money Chaos Cycle that keeps smart women feeling broke despite good income
• Why the fear of looking at your money is always worse than actually looking
• What happens when you finally get real awareness of your spending patterns

Plus, I'm sharing details about my FREE 3-Day Money Reset Challenge starting September 23rd in The Debt Payoff for Women Community Facebook group.

Three days, pen and paper, and the kind of financial clarity that changes everything.

Ready to break the Money Chaos Cycle? Let's reset together.

Join the 3-Day Money Reset Challenge: Search "The Debt Payoff for Women Community" on Facebook and request to join!

Join the 3-Day Money Reset Challenge here: https://www.katyalmstrom.com/challenge

Connect with Katy:

IG: www.instagram.com/katy_almstrom
FB Group: www.facebook.com/groups/debtpayoffforwomen