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It's not always easy to take on a second job in order to improve your financial situation and, most the time, it's not necessary. Each Thursday, join Sarah Brumley, an ordinary wife and mom, as she details practical ways to use the income you already have to achieve your greatest goals. If you are struggling to make your family finances work for you, or just want some down-to-earth inspiration to increase your financial success, this is the podcast for you.
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Frugal Living is a podcast for smart consumers. How do you spend less and get more? The show, sponsored by Brad's Deals, features interviews, stories, tips, and tricks. Looking for the Frugal Living show notes and episode transcripts? Check out Frugal.fm for everything you need.
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The One Income Family | Budgeting, Frugal Living, Savings, Financial Planning

Molly Benell | Christian Life Coach, Personal Finance Coach, Budgeting Coach

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Does living on one income feel impossible? I mean cutting costs takes too much time. Saving money is all but nonexistent, all because you can’t stick to the budget and bringing in more income while you’re taking care of the kids just feels like you’re adding to the juggling act… Mama, am I glad that you found me! In this podcast you will learn how to live abundantly WITHOUT bringing in more income (unless you want to 😜)! You will learn how to cut costs without using up all of your time, how ...
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Hey Mom! * Is your heart nudging you to be a stay-at-home mom, but it feels impossible to make it work as a single-income family? * Does your debt keep piling up and you just can’t seem to get ahead, no matter how hard you try? * Do you have loved ones that desperately need more of your time and care, but you feel the pressure of having to earn an income? * Are you crushed by the mom guilt of not being able to provide everything your family needs (time, money, etc.) in this season? Hi, my na ...
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Welcome to Frugal and Simple Living! My prayer is that you find the glimpse into my frugal and simple living inspiring, encouraging and helpful! You will find simple, inexpensive recipes as well as freezer cooking ideas and meals plans.
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Not sure how you’ll pay the bills this month? Worried you’ll get evicted or there won’t be enough money to put food on the table? Well then, today’s episode is for you. I’m chatting about five steps to take to help you cope when your income doesn’t cover your necessities. So, grab a pen and paper and let’s get started. Next Steps Creating a budget …
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What do you do when things don’t go as planned? I don’t know about you, but I can’t tell you one time life happened exactly the way I planned it. I am a full out planner and thrive when I know what’s happening. I am constantly rearranging my life to figure out a better routine or schedule that I can thrive in. However, no matter how hard I try, thi…
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Hey Mom! Do you have multiple sources of debt you are working to pay off? Do you feel overwhelmed with figuring out the right strategy to use? Do your debt balances feel like they aren't getting any lower? Don't stress; I'm here to help you! In this episode I break down the definitions of both the debt snowball payoff method and the debt avalanche …
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Want to create the ideal budget for your family but aren’t sure where to start? Well you’re in the right place. Today we’re chatting about three steps to take to ensure budgeting success - no matter how bad your financial situation looks right now. Sound like something you need? Well then, let’s get started. Next Steps Creating a budget shouldn't b…
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When you’ve hit rock bottom and are absolutely certain your financial situation can’t get any worse, what should you do next? Today I’m chatting about five lessons, blessings you might call them, that we learned through our rock bottom financial situation. So, if that’s the type of encouragement you need to stay the course, well then, you’re in the…
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Welcome to this first episode of the Financial Fix Up Podcast. Today I'm sharing what financial freedom actually means to me. This phrase is thrown around a lot in the financial world, and everyone has a slightly different take on it, but if you’re going to embrace this podcast and know for sure it’s for you, then it’s probably a good idea that you…
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Have you ever found yourself in a position where no one paycheck was the same amount? Or have you found yourself in a job where it was seasonal and you were only paid a certain amount of months out of the year? Well that my friend is exactly what this episode is all about. It’s one thing to have inconsistent paychecks when there are two incomes com…
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Hey Mom! Easter is just around the corner! Are you ready? Even with large family dinners and Easter baskets for the kiddos, you can spend little to nothing this year! In this episode, I share eight tips to help you reduce and/or eliminate many of the costs that come with celebrating Easter. So, enjoy your Easter holiday, and tell the Easter Bunny I…
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Hey and welcome to the Financial Fix Up Podcast. Are you ready to get control of your finances without taking on that second job? Do you find yourself searching for how to get out of debt, increase your savings, or set up a budget that actually works? Do you worry that you’ll fail or give up when the kids need new shoes... again? awkward laugh Hey,…
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Do you struggle living on one income? Do you wish there was an easier way? Are you ready to take action and make your one income journey one of joy and abundance? This episode is the second of two episodes that are going to take you through 9 tips on how to live on one income. These two episodes are going to give you the tools, the mindset shifts a…
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Hey Mom! If you are struggling to make ends meet, living paycheck-to-paycheck, and wondering how you can keep up with rising prices at the grocery store, then this episode is for you! I'm going over the MANY items I consistently see marked down on clearance, so you can learn what to never pay full price for again. Instead of blowing your grocery bu…
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Do you struggle living on one income? Do you wish there was an easier way? Are you ready to take action and make your one income journey one of joy and abundance? This episode is the first of two episodes that are going to take you through 9 tips on how to live on one income. It’s going to give you the tools, the mindset shifts and communication ne…
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Hey Mom! Do you feel defeated at the grocery store when fresh produce doesn't fit into your budget? Do you often feel guilty having to opt for less-healthy meals in order to afford feeding your family? And, do you desire to be more self-sufficient in providing for your family's needs? I know how you feel! See, I have felt these same hardships in my…
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Hey Mama, today we are going to be going over why your budget isn’t working for you. A budget is an amazing tool that can get you places you never thought you’d be, but in order to get to that place it has to work for you. It has to be something you and your family can get behind and get excited for, otherwise you’re simply wasting your time creati…
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Hey Mom! Have you created a budget, but it's not working for you? Is your progress toward your financial goals slower than you'd like? Do you feel like turning your finances around is taking FOREVER?? I completely understand how that feels, and I'm here to help! In this episode, I am going over the most common budgeting mistakes people make that ke…
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I recently had someone reach out and ask me about what they could do if they had more expenses than income coming in, specifically they were looking for a way to cut monthly bills. I thought this would be a great thing to share with you because I know what it’s like living on a tight income and there are times that you may be living in the red rath…
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Hey Mom! If you have debt, chances are you feel: ~ overwhelmed ~ stressed out ~ like there's a weight on your shoulders Am I close? I know, because I've been there (and still there!). I understand the pressure of feeling like your balances are barely shrinking at all. And, the guilt knowing all of the interest that feels so wasteful. But, there's h…
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I know how difficult it can be when you sit down to do something and you have no idea what it is you should even be doing. Or maybe you do know some of the tasks but wonder if you should be doing more, like something is missing. That is why I decided I would take you through the big picture view of what it is you should be doing every month when it…
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Hey Mom! It's the week of love! And, if you are looking to demonstrate your love to your spouse or kiddos this week (without spending a fortune), I'm here for ya! In this episode I provide 13 no or low cost gift ideas for celebrating this Valentine's Day. Tell me your favorite in the comments, or share your own idea! Blessings to your family, Mandy…
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Is decision making difficult for you? Especially the financial ones that are big dollar amounts. Do they bring you stress and interrupted sleep because you don’t know what you should do? That is exactly what we are going to be going over today. It’s time to take back your sleepless nights. It’s time to release that stress and use these 6 steps to d…
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Hey Mom! Does your goal of becoming a stay at home mom feel like it's so far away? Are you just ready to be home NOW?? Do you sometimes feel the struggle of staying motivated for the long-haul? I know what that's like, and I'm here to help! In today's episode, I cover six tips to help you stay motivated (or to find your mojo once again!) Your goal …
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Hey Mama, Have you ever sat down and really thought about the way you look at money? Do you feel like you want to do more for others, but your bank account just won’t let it happen? Are you ready to stop stressing over your finances when tragedy hits? These thoughts have haunted me every single time I see someone in need. I want to help so badly, b…
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Hey Mom! This episode is part two in our stay-at-home mom series! In it I cover the actual steps you need to take to make your dream of being home a reality. Throughout this episode, you'll build out your custom roadmap to help you accomplish your goal! So, grab a notebook and pen, and be ready to take notes. You've got some work to do, but it's to…
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Hello my friend, it’s so good to be here with you today as I’m sitting here thinking about all of the goals my husband and I have set for this coming year. Now who knows if my budget will be able to stand up to all of these dreams and desires, but It's still a rush when I think of all of the things that we would like to accomplish this year. It's t…
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Hey Mom! Do you dream of being a stay-at-home mom? Do you wish you could be home with your kids, and maybe even homeschool them? Maybe you even have a desperate need to be home to care for loved ones, but you aren't able to afford to give up your income? I see you, and I have been you! In this episode, I debunk the number one myth and complaint I h…
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Have you ever wondered how your faith and your finances go together? Do you desire financial security? Are you looking for a way to release the financial burden and stress that is weighing you down? Well today we are going to dive into the word of God and let scripture be our guide to finding Financial Security and Peace so that you can focus less …
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Hey Mom! Is eating healthier one of your goals this year? I know it's one of my goals! Do you ever feel like eating healthy costs more money? I often feel like I can get the best coupon and rebate app deals on the highly processed junk food. Ugg, why is that?? Well, I'm here to help you out my friend! In this episode, I am giving you 31 tips (plus …
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How often do you find yourself unable to stick to your budget all because you can’t get yourself to fill out a simple ledger or better said track your spending? In today’s episode you are going to get a look at the system I used not only to keep track of my own spending, but that I coach on and you could have as well when you book a Financial Strat…
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Hey Mom! Are finances an area of focus for your family in 2024? Are you confused or overwhelmed with where to start? Do several goals, like eliminating debt, saving money, building an emergency savings, etc. all feel equally important to tackle? If you answered yes to any (or all!) of these questions, this episode is for you! Grab paper and a pen, …
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Hey Mama, it is officially 2024, and it’s the perfect time to start getting your finances in order so that you can confidently walk though the new year. That is why I thought today would be the perfect day to walk you through my journey of becoming a one income family. There are so many great lessons and ah ha moments that have not only changed the…
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Hey Mom! Do you ever feel like you're missing out on life by living frugally? Do you feel like you have to go without when others seem to be doing all the fun things in life? Does life ever feel boring or stifling? When we choose to embrace a frugal lifestyle to achieve our financial goals (or to get us out of a financial mess), we can sometimes fe…
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In today’s episode I’m going to take you through my Christmas Budget. I am going to share my wins and my losses, what I could have done differently and how I can use that information to up my monthly budgeting game. So, whether you are cleaning up from Christmas, of which I hope you had a great Christmas, or if you are finally getting to relax afte…
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Hey Mom! Have you ever heard of a zero-based budget? Is this the type of budget you use to manage your family finances? Does your family budget include those super important goals like eliminating debt, building up savings, and more? If not, make sure to listen in! In this episode, I explain what a zero based budget is, and how you can set one up. …
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I think the famous and almost annoying phrase that we hear on the daily is there are only 24 hours in a day and no matter how irritating it may be to hear, we still feel it. When we are trying to cram everything we can into one day, overwhelm and burnout and eventually convince us to quit. That is why in this episode I am going over 3 budgeting Sys…
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Hey Mom! It's that time of year when our heating bill typically goes up...WAY UP! I tend to be on the colder side, which means I want to crank up the thermostat to warm myself up. Of course, that ends up costing me way too much money! If you are like me, you have probably faced some steep increases in your winter heating bills, too. But this year, …
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How long does it take you to pay your bills? What if you could do it in 5 min? Today’s episode is going to change how you pay your bills forever. It’s going to take away the stress, it’s going to take away the guesswork, it’s going to give you back your time but more importantly it’s going to make sure that all your bills are paid and paid on time!…
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Hey Mom! This is part 3 in my saving money on groceries series, and this one has the most tips, yet! If you missed the first two, go back and listen now: Part 1: https://podcasts.apple.com/us/podcast/5-12-easy-ways-to-save-money-on-groceries-cutting-costs/id1707711637?i=1000629946600 Part 2: https://podcasts.apple.com/us/podcast/9-10-more-ways-to-s…
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The one constant that we can come to expect in our financial journey is the unexpected. You work so hard to stick to your budget so that you can save money, hit those goals and so much more. But what you don’t plan for because let’s be real, it’s not fun, are the unexpected events, or better said emergencies. You don’t want to think about things go…
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Hey Mom! Did you finally get around to creating a family budget? How is it working for you? Do you even know if it's working for you? In this episode, I'm covering the most IMPORTANT step you need to take with your budget to ensure you stay on track to improve your finances. Truly, missing this one element can make or break your financial outlook! …
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Have you ever asked yourself why they say you should do a Financial Audit? I know how difficult it can be and how painful it can be to bring up all of the emotions that come with spending money, but it’s so important to do. In today’s episode we are talking about why you should be auditing your expenses. So that you have the tools to set yourself u…
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Hey Mom! Is the stress of spending extra money over the holidays weighing on you? Are you overwhelmed with coming up with gift ideas that your family will love without blowing your budget? Maybe Christmas didn't even make it onto your budget?? No worries! This episode is all about fun new traditions you can start with your family instead of giving …
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Hey Mama, I know how difficult it can be to get lost in the world of money. To see all the income you have leftover that you can play with or feel the stress of not having any extra income to play with at all. All the possibilities and goals you can set or can’t set. Your focus is flipped from what’s truly important to the things that you can or ca…
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Hey Mom! Does your family have mountains of debt? Do you feel like you've tried to tackle your debt, but your balances never seem to go any lower? Are they going up, instead of down? If you have any debt at all, this episode is for you! I personally know the stress, worry, and anxiety that debt brings. I also know the peace of mind that comes once …
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It’s Day 5 of the Christmas Budgeting Series and it saddens me to think that this is the last day of this amazing series. We started out looking into the past so that you can learn what you did and use that information to create a budget for Christmas. We talked about the true meaning of Christmas and creating your own personal family mission for t…
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Welcome to Day 4 of the Christmas Budgeting Series! Can you believe it’s already day 4? We are over half way through this series that has been eye opening and has been helping you to create not just a financially successful Christmas, but also one that is focused more on the true meaning of Christmas. This series is helping you to set intentions fo…
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Welcome to Day 3 of the Christmas Budgeting Series on the One Income Family podcast! The past two days have been so great helping you to open your eyes to the amount you have spent in the past and then using that to set up this year's Christmas budget. Today in the Christmas Budgeting Series we are going to get a little less practical and a little …
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Welcome to Day 2 of the Christmas Budgeting Series. Today is all about the Budget. Yesterday we learned what the categories were, what amounts needed to go into those categories and now today we get to plug it all into one comprehensive sheet that allows you to make sound decisions when putting together your Christmas Spending Plan! It’s the bounda…
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Hey Mom! It's that time of year when colds and flu rear their ugly heads! If you find yourself (or your family members) feeling a bit under the weather, make sure to check out today's episode. I'm covering some great easy, natural, and THRIFTY ways to help you feel better (most are FREE!). I pray you heal fast so you can get back to being your awes…
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Welcome to Day 1 of the Christmas Budgeting Series on the One Income Family Podcast! Are you excited? I know I am! Day one is all about auditing last year's Christmas spending. Now don’t freak out as auditing is simply a fancy term of looking over what you spent, totaling it up and deciding if you should continue what you are doing or not. I mean t…
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Hey Mama, I’m so glad to have you back with me on the One Income Family Podcast. I have more information on the Christmas Budgeting Series which I am super excited about! And today I am jumping into some systems that when plugged into your budgeting routine you don’t have to touch again unless there’s a big financial change obviously but essentiall…
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