Almstrom
I see you, ready for real change.
You're making "enough" money, but between your credit card payments, car loan, and student debt, it never feels like enough.
The credit card shuffle each month - moving money around, deciding which balance to pay down, wondering if you should do another balance transfer - it's exhausting.
Some days you avoid looking at the total number altogether. Other days you obsessively check your accounts, trying different debt payoff calculators and watching YouTube videos about getting out of debt.
But none of them quite fit your situation, and you end up feeling more overwhelmed than when you started.
It's hard not to compare yourself to friends who seem to have it all figured out - the ones posting vacation photos while you're wondering if you should cancel Netflix to put an extra $15 toward your debt.
You carry this weight silently, not wanting anyone to know just how much you're struggling with money. You've tried tracking your spending in apps, following debt snowball methods, even making extra payments when you can.
But without a clear strategy, you wonder if you're just throwing money at the problem without making real progress. Deep down, you know having a real strategy - one that's actually built for your life - would change everything.
You're ready to stop feeling stuck in this cycle of debt stress, ready for the support and structure to make real progress on your debt-free journey.
You want to be able to pay off debt and your life.
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What if instead:
You had a clear, personalized plan that took the guesswork out of which debt to pay first - no more wondering if you're making the right money moves.
Those 2AM anxiety spirals about money were replaced with quiet confidence, knowing exactly how much you can put toward debt each month without feeling deprived.
Instead of stressing about unexpected expenses, you had specific savings buckets built into your plan to handle life's surprises.
You could check your accounts without that knot in your stomach, because you know exactly where every dollar is going and why.
You had a debt payoff timeline you actually believed in, because it was built around your real life, not some cookie-cutter formula.
You could make spending decisions with confidence, knowing they fit into your bigger debt payoff strategy.
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Here's how we'll create your debt freedom strategy together:
Month 1: Your Custom Blueprint
We'll get crystal clear on your numbers, create your personalized debt payoff strategy, and set up the systems to make it all work smoothly.
Month 2: Implementation & Optimization
Put your plan into action with consistent support to troubleshoot challenges and optimize your approach.
Month 3: Momentum & Long-Term Success
Lock in your progress and create your long-term strategy for staying debt-free.
You'll be supported every step of the way with:
✦ Six 1:1 Strategy Sessions Deep-dive coaching calls where we'll craft your personalized debt payoff plan, troubleshoot obstacles, and keep you moving forward with confidence
✦ Custom Debt Freedom Blueprint Your personalized action plan that outlines exactly which debts to tackle when, how to optimize your payments, and where to find extra money for debt payoff
✦ Between-Session Support Direct access to me via Voxer/email when questions come up or you need a quick strategy check
✦ Personal Action Steps Clear, manageable next steps after each session so you always know exactly what to do next
✦ Strategic Tools & Templates Everything you need to track your progress and stay motivated on your debt-free journey
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By now, you probably know I'm not your typical money coach.
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I don't believe in extreme budgets, giving up everything you love, or feeling guilty about past money decisions. My approach is different because I've been exactly where you are.
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Back when I started my own debt-free journey, I was a teacher with $40K in debt, trying to figure it all out. Every "expert" was telling me to stop spending, cut up my credit cards, and basically put my life on hold until I was debt-free.
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But that advice never felt right to me as I started coaching women who had families, busy schedules, and loads of commitments.
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I knew there had to be a way to become debt-free without feeling restricted and judged. So I created one.
The strategies we'll use in Paid Off are the same ones I used to eliminate my debt and STAY out of debt while still enjoying my life.
They're the same strategies that have helped my private clients pay off over $1 million in debt - not through deprivation, but through smart strategy and sustainable changes.
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No overnight success stories here - just real strategies that work in real life.
Because having a in your debt-free journey changes
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everything
What Paid Off clients are saying...
I tend to overthink and over-complicate my processes when it comes to money. Katy puts everything in simple terms. I had so many "aha" moments over the course of the Moneywise Mastermind, because everything she taught us and the actionable steps were very easy to implement.
Another thing I appreciated was that Katy creates a safe environment to be vulnerable without feeling judged or ashamed. It's super difficult to talk about money, but with Katy, everything is easy.
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I can look at my numbers without crying! I paid my first and second quarter taxes for next tax season and am actively saving for the next quarter. I still have credit card debt but it doesn't fill me with dread anymore, because I am confident in my ability to pay it off in the future.
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I am so not bothered by money anymore. I have a clear picture of where I'm going and what I'm doing and how to use my money to achieve my goals. I no longer distrust myself. I am confident in my ability to manage my money for the benefit of myself and my family.
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Katy is a great listener and a great coach. I always felt very seen by her. I could tell her what I was struggling with and she had a magic way of boiling it down and extracting the real issue so that I was clear what to do and how to do it. She's gentle and receptive which makes it safe to open up. And she's also very pragmatic and down-to-earth, so you're not left feeling like your only path to abundance is wishing for it. She gives actionable advice and practical knowledge that puts you in the driver's seat and helps you feel in control of your journey. You're an active participant, rather than a victim of circumstance. I always left the 1:1 calls feeling confident and empowered.
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It turned out to be the best investment I've ever made and I think everyone should do themselves a favor and join Moneywise.
Finances have often felt "above me", and Katy felt so down to earth and her approach was empowering in how she taught and broke down the steps into a manageable process. That felt so good, to feel empowered and supported by Katy the whole time.
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I got my business buckets and finances set-up, and in a steady consistent process. I can now plan ahead for a vacation and feel confident I know how much money I need to save.
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I love feeling empowered as CEO and business owner of my business.
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Less stress about money, better communication with my partner on our finances. We now know what we can and cannot afford, and are living within our means in an intentional way and focusing on what is most important to us.
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Katy is wonderful. Very clear, grounded and supportive.
I believe everyone should have this information and knowledge to feel empowered in their finances.
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What do you receive when you join?
✦ Six 1:1 Strategy Sessions:
Deep-dive coaching calls where we'll craft your personalized debt payoff plan, troubleshoot obstacles, and keep you moving forward with confidence
✦ Custom Debt Freedom Blueprint
Your personalized action plan that outlines exactly which debts to tackle when, how to optimize your payments, and where to find extra money for debt payoff
✦ Between-Session Support
Direct access to me via email when questions come up or you need a quick strategy check
✦ Personal Action Steps
Clear, manageable next steps after each session so you always know exactly what to do next
✦ Strategic Tools & Templates
Everything you need to track your progress and stay motivated on your debt-free journey--customized for you!
Common Questions
How is this different from Done With Debt?
While DWD gives you the foundation and tools for success, Paid Off is where we create your personalized strategy through focused 1:1 support. Instead of general guidance, you get a custom roadmap built specifically for your situation.
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What if I haven't finished Done With Debt yet?
That's perfectly fine! Paid Off complements your DWD experience by taking those concepts and creating your personalized implementation plan.​
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How do I know if I'm ready for this?
If you're craving personalized support and ready to turn general knowledge into a specific strategy for your situation, you're ready for Paid Off.
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You might be thinking, “If I start a debt-free journey, won’t I have to sacrifice enjoying my life?”
It’s easy to feel that way, especially when debt gurus online make paying off debt seem like this massive, terrifying, and entirely self-inflicted burden.
But they’re wrong.
Yes, it’s important to address your debt, but it’s not more important than your health, your family, your friends, and your overall well-being.
Debt is big, but it only holds as much power as you give it. The truth is, debt can be repaid—it’s a common challenge, and with the right strategy and support, it’s entirely manageable.
Is it scary? Maybe the pile of debt itself isn’t what’s daunting, but rather the relentless calls from creditors or the critical voice in your head. That voice—where did she come from, anyway? I’m here to silence that fear and guide you to tackle your debt with confidence and clarity.
And whether or not the debt is your fault doesn’t define your future. I once had $40K in debt, entirely of my own making—and I paid it off.
As adults, we can own our decisions without letting anyone shame us for them.
But here’s the key: You don’t have to live on the bare minimum for two years to become debt-free.
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This journey will be different. I want you to enjoy your life throughout this process.
Together, we’ll make this a joyful, expansive experience as you work towards a debt-free life.
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Final Word…
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