Get a crystal clear picture into where your money is going and how to make realistic changes to achieve your goals.


Confused and frustrated by monthly budgets on paper that never happen in real life?


The Debt Free Mom Custom Budget provides you with a one-time service for seeing your real numbers come to life inside an accurate, realistic pay period budget. The entire Custom Budget process happens over email.

This service does not focus on teaching you how to put the budget into practice. Instead, a Custom Budget gives you a crystal clear picture into where your money has been going, why you may feel like you live paycheck to paycheck, and a suggested path forward to achieve your goals.

With a Custom Budget, you will



Start by filling out a simple worksheet with all of your income, expenses, debts, frustrations, and goals. We'll build your custom budget based on your real-life numbers.


Your Custom Budget will show you exactly how your unique pay schedules maps onto your spending, giving you a crystal clear picture of both how & when your money goes in and out.


You'll also receive a Suggested Budget that gives you an expert perspective on how to prioritize your income and expenses to reach your money goals.

 + Add-on a Standard or Premium package to get even more insight into your personal finances!


We'll gather all your real numbers, your frustrations, and your goals into a plan for your next 8-12 weeks worth of pay periods no matter how many income streams you have.


Here's What You Get with Every Custom Budget from Debt Free Mom

  • 2 versions of your budget for the next 8-12 weeks:¬†
    • an Original Budget¬†showing how your money will play out if you don't change anything and,
    • a Suggested Budget¬†showing what can happen with your money with a few changes. These suggested changes might include:¬†decreased spending, focusing extra income on one goal instead of a bunch, avoiding a deficit where you spend more than you make, adding personal spending cash, etc.
  • An action plan for¬†your top 3 money priorities¬†that¬†we suggest focusing on & the order in which you should accomplish them.
  • A Custom Budget Guide:¬†a PDF guidebook about your new budget to help you understand how your budget was set up and what any colors or notes in your budget mean.

AND If your budget falls into one of these categories, you'll also get some additional suggestions: 

  • If you have multiple debts, you'll get a suggested order for paying them off one at a time that will balance your debt payoff timeline with any interest rates or high payments. For example, if you have a debt with a low interest rate but very high monthly payment, we may suggest paying that off earlier in the order of debts in order to free up all that cash in your monthly budget! Or if you have a 0% interest debt we'll recommend paying that off after your high interest debts.
  • If you currently spend more than you make, you'll get an example of the kind of changes that are necessary to close that deficit. First trying to close the deficit by reducing expenses, but if that doesn't seem feasible we will give you an exact amount we recommend for increased income in order to close the deficit and have money for your goals.

Choose Your Custom Budget Package

Show Me the Numbers

Great for the spreadsheet-savvy, DIY budgeter

Send in your numbers, and we'll create your unique Custom Budget with:

  • Your¬†Original Budget showing how your current income and expenses play out by pay period,
  • A¬†Suggested Budget with changes that will give you flexibility in your finances while pursuing your goals, and
  • Three brief goals in an order specific to your situation¬†to bring stability to your finances.


Get the Essentials Budget Package

Give Me a Plan

Perfect if you're looking for an individualized plan on how to reach your money goals

Get the same Custom Budget from the Show Me the Numbers package, PLUS a 5-8 page Personalized Budget Plan: 

  • View¬†the full picture¬†of your current income & expenses - an overview of your pay schedule, your surplus or deficit overall, and how it works out per pay period,
  • See¬†a detailed breakdown¬†of why we choose the suggested changes in your budget - both what we reduced and what we added,
  • Get an in-depth description of¬†your next 3 money goals, in the right order, and¬†an explanation of why these goals can help you establish long term stability,
  • Find a curated catalog of resources and additional suggestions specific to your situation (like "how to negotiate a lower interest rate" or "where to look for student loan repayment options")
Get the Standard Budget Package

Teach Me How

The ultimate budget building package for jumpstarting your home finances!

Schedule a one-on-one live call where we build your Custom Budget for you.

  • Watch¬†as we build¬†your budget for you on a live call¬†while explaining the process,
  • Ask¬†your¬†questions in real time about your current and suggested budgets,
  • Get personalized coaching on how to reach your money goals.¬†

Includes your Custom Budget, a Personalized Budget Plan, and a 1 hour call with a recorded replay for you to watch later. 

Very Limited Availability! First Come, First Serve.

Get the Premium Budget + Coaching Package

Compare the Custom Budget Packages

Comparison of the Debt Free Mom Custom Budget features
Show Me the Numbers - Essentials Budget
Give Me A Plan - Standard Budget
Teach Me How - Premium Budget + Coaching
Original Budget
Original Budget Feature is included. Feature is included. Feature is included.
Suggested Budget
Suggested Budget Feature is included. Feature is included. Feature is included.
3 basic budget goals
3 basic budget goals Feature is included. Feature is included. Feature is included.
Personalized Budget Plan
Personalized Budget Plan Feature is not included. Feature is included. Feature is included.
In-depth Description of Budget Goals
In-depth Description of Budget Goals Feature is not included. Feature is included. Feature is included.
Curated Resource Catalog
Curated Resource Catalog Feature is not included. Feature is included. Feature is included.
1-on-1 Live Call
1-on-1 Live Call Feature is not included. Feature is not included. Feature is included.
Q+A with a DFM Budget Expert
Q+A with a DFM Budget Expert Feature is not included. Feature is not included. Feature is included.
Individualized Coaching
Individualized Coaching Feature is not included. Feature is not included. Feature is included.


After purchasing, you'll choose a date and time you'd like to submit your Finance Snapshot worksheet with details about your income, pay schedule, and expenses. Your Custom Budget will be uploaded to your portal on within 48 hours after the date/time for which you booked your session. 

If you purchase the Teach Me How premium budget + coaching package, we'll also send you a link to schedule your one-on-one call.

Your Custom Budget Also Includes these FREE Bonuses

In addition to everything listed above, you will also receive two free bonuses:

  1. The Debt Free Mom Budget Template + Mini Course ($9 value) - a quick start guide to using the pay period budget, and
  2. The DFM Tracking Templates Bundle ($15 value) which includes 3 supplemental personal finance templates that can be added to your pay period budget for more in depth tracking. 

That's $24 in extra value included for free with every budget package!


*PLUS*  All Standard & Premium budget packages get a 30 day free trial membership to the Care Creates Community, the community for women who manage their home finances to learn from and support each other so you can actually stick to your budget! That's an extra $9.00 of free bonus content included with your purchase!

Get Your Custom Budget today!

Click on the card below to purchase your package.

You can also split your premium budget + coaching package into 2 monthly payments.

Whether you join with a payment plan or pay in full, you get the same insight into your numbers with a personalized Custom Budget!

Join the Custom Budget Waitlist!

Custom Budget spots are opened on a monthly basis. If there are no spots currently available, use the form below to sign up for the waitlist. You'll be the first to know when Custom Budgets are available again before they open to the public.



You've wasted enough of your time, sanity, and money wondering where your money went each month. Don't let confusion sabotage your financial progress any more! Get a crystal clear picture of where your money is going and learn how to make realistic changes to achieve your goals.