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****TOP 2.5% GLOBALLY-RANKED PODCAST**** Are you waking up exhausted and overwhelmed before the day even begins? Is your mind as disorganized as your house? Is the stress of the clutter, debt, and what to make for dinner…again, wreaking havoc on your health, parenting and marriage? Do you wish you had one authentic Catholic friend who understood your struggles? I am so excited you’re here! This podcast will teach you how to create a clutter-free, organized home that practically runs itself, with dinner on the table every night, enough money to stop living paycheck to paycheck and God at the center of it all! Hi, I’m Gina. A Catholic wife, mom and declutter coach. For twenty years, I made sure my home was organized and running efficiently; we ate healthy, homemade dinners, the laundry was done, and the bills were paid on time, yet, I still felt like something was missing. I thought if my home looked like it belonged in a magazine, my family dined on gourmet meals and I stayed out of debt, life would be peaceful and perfect. I finally realized that I was searching for fulfillment and validation from the outside world. Yes, I needed my home to run efficiently, but I felt a nagging in my heart that I was made for more. If I was going to have a full life with the peace that transcends human understanding, I needed to make God the center. I needed to put Him in charge instead of feeling like it was all up to me. I created a plan that fits ME. Simple routines to incorporate faith into my daily tasks. A lifestyle that’s allowing me to prosper into the woman God is calling me to be. And I’m ready to share it with you! If you are tired of waiting for motivation to strike and you are ready to do the work to declutter your home, plan meals your family will actually eat, break free from living paycheck to paycheck, learn to implement routines for a peaceful home that practically runs itself, AND make a new Catholic BFF who wants to share in your joys and struggles, - this podcast is for you! Grab your garden shears because you’re about to prune away the clutter of life so you can prosper into the woman God has called YOU to be! To schedule your in-person or virtual declutter, budgeting or meal planning session, please email me at: tightshipmama@gmail.com Community: https://www.facebook.com/groups/2099615896871716 Instagram:@pruningtoprosperpodcast Freebie to 100 days of decluttering list: https://mailchi.mp/f81329f110cb/9p8tvygn09 Topics included in this podcast: Catholic homemaking, home management, money, money management, broke, debt, debt free, debt free lifestyle, debt free journey, managing God’s money, stewardship, Bible readings, Catholic money management, baby steps, Dave Ramsey, Ramit Sethi, debt snowball, frugal, frugal homemaking, abundant mindset, credit card debt, student loan debt, overwhelming debt, overwhelm, clutter, cluttered home, cluttered mind, decluttering, declutter coach, tidy home, tidying, clutter free home, accountability, meals, meal planning, budgeting for groceries, grocery budget, monthly budget, gluten free meals, gluten free diet, corn free meals, corn free diet, meals for Rheumatoid Arthritis, Catholic faith, Catholic wife, Catholic mom, Catholic friendships, rosary, womens rosary group, prayer group, organizing, organization, home organization
Episodes

Wednesday Jan 17, 2024
183. Beware of Adding Fixed Costs in 2024
Wednesday Jan 17, 2024
Wednesday Jan 17, 2024
Opening Bible verse: Proverbs 21:5
"The plans of the diligent are sure of profit, but all rash haste leads certainly to poverty."
It is recommended by Remit Sethi that our fixed costs do not exceed 60% of our take home pay. This percentage allows wiggle room in our budgets for saving for retirement, short term savings to cover unexpected expenses and vacations. Keeping fixed costs at or below 60% allows a more relaxed relationship with money. Life is more predictable and surprises don't come with nearly the stress as when there is little wiggle room in the budget. It leaves us room to enjoy our lives and better respond to God's calling.
In today's podcast episode I talk about those obvious fixed costs as well as those sneaky ones that we add without giving them too much thought. Once we add a fixed cost, it's very hard to take it away. Being diligent about adding a fixed cost will allow you to profit. Adding a fixed cost without much thought leads to poverty.
If you would like to work with me 1:1, please email me at: tightshipmama@gmail.com
To be added to the mailing list to receive the zoom link for free monthly budget Q&A, please click here. The next one is scheduled for January 30th at 8am EST. Monthly Budget Q&A sign up
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