Hey mama 👋
If you’ve ever looked at your bank account and thought, “Where did all my money go?” — you’re not alone.
I’m Priscilla, the mom behind Mom With a Plan, and today I want to share exactly how we’re paying off debt as a family — without living on ramen noodles or giving up our coffee ☕.
Because I believe you can still live well while getting your finances in order.
Our Debt-Free Journey (Where It All Started)
When we started our debt payoff journey, I felt completely overwhelmed. Between getting paid minimum wage, groceries, everyday bills (Luckily we have been blessed with having a free Nanny. AKA my mother in law) it felt impossible to save anything.
But the first step was simply facing it — writing down every debt, every expense, and setting small, realistic goals.
That one step gave me clarity and control.
Now, we follow a few easy habits that keep us consistent, motivated, and actually making progress month after month.
5 Simple Steps We’re Using to Pay Off Debt as a Family
1. We budget weekly, not monthly
Instead of feeling lost halfway through the month, we check our spending every Sunday morning. It keeps us accountable and helps us adjust quickly if something unexpected comes up.
(Tip: I use this budget planner from Amazon and it’s been a lifesaver.)
2. We use cash for flexible spending
Using cash for groceries and “fun money” helps us visually see what’s left. No surprise swipes, no guilt.
3. We meal plan every week
Planning meals around what we already have saves so much.
We also started using a grocery list pad and buy in bulk when possible.
(Link idea: later connect this to your future post “10 Easy Money-Saving Tips for Busy Moms.”)
4. We choose experiences over stuff
One of the biggest mindset shifts was realizing that our daughter doesn’t need more things — she needs us.
Now we plan park days and cozy movie nights instead of shopping trips.
5. We automate everything
We set up auto-pay for bills and automatic transfers for savings. It removes the temptation to skip.
If it’s out of sight, it’s out of mind — and our progress is steady.
☕ My Daily Ritual That Keeps Me Grounded
Every budgeting morning starts with my Daily Dose coffee — it’s my favorite part of the routine. It gives me calm, focused energy (without the crash) so I can actually enjoy managing money.
You can try it here with my discount code — trust me, it’s mom fuel for your financial goals.
💸 Final Thoughts: You Don’t Have to Do It Perfectly
Our family debt payoff journey isn’t glamorous or perfect. But every small choice matters.
Whether you’re paying off credit cards, student loans, or just trying to stop living paycheck to paycheck — remember:
It’s not about being perfect. It’s about being intentional.
You’ve got this, mama 💕