Practical tips to help guide you from financial stress to peace of mind!
Every Sunday Afternoon, you'll get actionable tips, stories and helpful information to help you take control of your personal finances and start winning with your money. Â
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Previous Issues of Simplify My Money
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    The Truth About Getting Out of Debt
    
      
Here’s a truth that most of us don’t want to admit: paying off debt isn’t really a numbers game. Sure, you need the numbers, but the bigger fight happens in your habits, your mind, and your consistency.
If it were just about math, everyone with a calculator would be debt-free by now. But that’s ...
    
    
      
      Nov 02, 2025
    
    
      
        
          accountability
        
          consistency
        
          get out of debt
        
          pay off debt
        
      
    
  
    How to Stay Ahead When Everything Feels More Expensive
    
      
 
If you’ve noticed your grocery bill creeping higher every week, you’re not imagining it. Prices are up, and for many families, it’s getting harder to make the paycheck stretch.
"I’ve been there. When we were buried in debt, every extra $10 at the store felt like a gut punch."
The good news? ...
    
    
      
      Oct 26, 2025
    
    
      
        
          budgeting tips
        
          cost of living
        
          inflation help
        
          save money
        
      
    
  
    The 7-Day Money Reset Challenge
    
      
 
If you’ve been feeling off track with your money lately, you’re not alone.
We all go through seasons where the budget falls apart, the spending creeps up, and it feels like the numbers aren’t adding up anymore. Maybe you’ve been hit with unexpected bills, or maybe life has just been busy and m...
    
    
      
      Oct 19, 2025
    
    
      
        
          budgeting help
        
          debt free journey
        
          financial freedom
        
          money reset
        
      
    
  
    Cold Weather, Warm Wallet: Energy-Saving Tips That Actually Work
    
      
Fall’s here. The leaves are turning. And pretty soon, that crisp breeze will remind you that your heating bill is about to stalk you.
Before that happens, let’s get ahead of it. Here’s the thing: energy is just another budget category. And just like your groceries, cell phone, or car payment, yo...
    
    
      
      Oct 12, 2025
    
    
      
        
          energy efficiency for beginners
        
          energy saving tips
        
          fall budgeting
        
          home energy audit
        
          how to save on heating bills
        
          lowering utility bills
        
      
    
  
    Don’t Get Spooked by Debt: Staying Strong During Fall Spending
    
      
Pumpkin spice, cozy sweaters, and fall festivals. It’s a season that makes you want to say “yes” to everything. But if you’re not careful, fall spending can sneak up on you like a haunted house jump scare. Between back-to-school bills, Halloween costumes, Thanksgiving prep, and those early Black...
    
    
      
      Oct 05, 2025
    
    
      
        
          budget
        
          fall
        
          spending plan
        
      
    
  
    Are You Tired of Living for the Next Paycheck?
    
      
What if we told you that your mortgage, car payments, and credit card bills could all be a thing of the past? It sounds like a dream, right? But what if it wasn't? This week, we're not just going to talk about the "what ifs." We're going to invite you to learn how to make a life without payments...
    
    
      
      Jul 06, 2025
    
    
      
        
          life without payments
        
          workshop
        
      
    
  
    The Secrets to a Debt-Free Degree
    
      The idea of applying to scholarships can be overwhelming for students and parents alike. Many people have a range of misconceptions about how the scholarship process works, when to apply, where the money goes, and even if it will ever get easier. Luckily, there are answers to all of those concern...
    
    
      
      Jun 29, 2025
    
    
      
        
          college scholarships
        
          debt free degree
        
          student loans
        
      
    
  
    Beyond the "Aww": The Real Cost of Pet Ownership
    
      
It's easy to get swept up in the cuteness and the joy that pets bring, but before you make that emotional leap, let's talk about something that often gets overlooked: the actual cost of bringing a furry friend into your life. We're here to help you understand the financial realities so you can m...
    
    
      
      Jun 22, 2025
    
    
      
        
          cost of pets
        
          pet cost
        
          pet ownership
        
      
    
  
    The Debt Consolidation Trap
    
      
Debt consolidation can be a powerful tool when used correctly. The idea is straightforward: you take out a new, single loan to pay off multiple existing debts. This can simplify your finances by giving you just one monthly payment to manage, and potentially a lower interest rate, which could sav...
    
    
      
      Jun 15, 2025
    
    
      
        
          debt consolidation
        
      
    
  
    The Buy Now, Pay Later Trap
    
      
Is this you? Staring at you online cart, wanting something we know we probably shouldn't buy. And then, like a magic wand, the "Buy Now, Pay Later" option appears. It feels like a guilt-free way to get what we want without feeling the immediate pinch in our wallets.
But as folks who have battled...
    
    
      
      Jun 08, 2025
    
    
      
        
          bnpl
        
          buy now pay later
        
      
    
  
    Why Earning More Might Not Solve Your Money Woes
    
      
Ever thought, "If I just made a little more money, all my financial problems would disappear?" It's a super common thought, but what if the real secret isn't more money, but better habits with the money you already have?
This week, we're talking about a truth that can be a game-changer for your ...
    
    
      
      Jun 01, 2025
    
    
      
        
          habits & choices
        
          keeping up with the jonses
        
      
    
  
    Don't Let Your Feelings Fool Your Finances
    
      
Ever bought something you didn't need just because you were having a bad day? Or maybe felt a rush of panic during a scary market dip and wanted to sell everything? If so, you're not alone! Our emotions are powerful, and they can seriously mess with our money plans if we're not careful.
This...
    
    
      
      May 25, 2025
    
    
      
        
          anxiety
        
          fear
        
          greed