Indwelt Women
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Podcast

The Indwelt Women Podcast is for Christian women. Join us for short episodes every Wednesday on Christian living, Christian marriage, prayer, Christian theology. It also provides resources, tips, advice, tools, and encouragement grounded in the Bible.

#009: Tried and True Method to Financial Freedom with Sami Womack

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Maggie: Hey, hey, welcome back to the Indwelt Women Podcast. This is Maggie Baker. I am so excited to have our guest on today. She is a budgeting coach, she is the blogger behind A Sunny Side Up Life, and she is here to inspire you to live abundantly through budgeting, through intentional living and positive thinking. She also has a free 5-day email course to help you jump start into budgeting so be sure to jump on that here.

So Sami has been on such an incredible journey to be intentional with her finances and she's here to share more about her story. I'm gonna leave her to share her story with you so without further ado, let's welcome Sami.

Sami: Hi! Thank you, Maggie, so much. I'm so excited to be a part of your podcast and I just think it's a great thing that you're doing. I love the whole Christian aspect and for moms, I think that's so important and so I just love everything that you're doing with your podcast. I'm really excited to watch your podcast grow. Thank you so much for having me.

Maggie: Aww thank you! :) I'm happy to have you on here! For those of us who may not be familiar with you, could you introduce yourself a little bit more?

Sami: Yeah! I'm Sami Womack, like Maggie said, I blog at A Sunny Side Up Life. I have a really great FB group that's kind of my love. It's A Sunny Side Up Life Community and it's just full of women who are taking steps to live abundant lives and gain financial freedom and really support each other.

I am married. I have 3 kids. We started this financial freedom journey about 3, 4 years ago just trying to get a budget, just trying to get everything under control and get out of a lot of debt.

When we first started, our debt was almost half a million dollars. It was $490K to be exact. 

It was two houses, it was a piece of property, it was credit card, medical bills, taxes; it was pretty much everything you could think of. And we just decided that we were tired of living in this financial survival mode. So we got a handle on it and through God's timing it worked out! I started blogging about it and now I'm coaching other women and other families to learn the lessons that I learned.credit card, medical bills, taxes; it was pretty much everything you could think of. And we just decided that we were tired of living in this financial survival mode. So we got a handle on it and through God's timing it worked out! I started blogging about it and now I'm coaching other women and other families to learn the lessons that I learned.

I recently came out with a full course to teach other women in one nice little place and it's been an amazing journey to get to share our journey and our lessons with all these other women.

Full Disclosure: Some of the links on this site may be affiliated which means I earn a commission at no cost to you should you make a purchase via the link. All opinions are 100% my own.

Maggie: I love it! Can you dive a little bit deeper into what made you come to that decision to be more intentional with your finances? What was happening at the moment? What was going through your mind and your emotions?

Sami: Oh, my gosh. Well, it kind of got to a point where we had no choice. It was kind of like arock bottom situation. I tell this story a lot: my husband actually works offshore. He works out on the east coast and we live in Texas. So he flies back and forth and works on a boat.

We were due to have our second daughter and we had to induce because of his work schedule. It was time for him to fly home, I think, 2 or 3 days before she was born, and we didn't have money for the plane ticket even though she was a planned baby. 

We ended up maxing out the credit card. We had about two, three hundred dollars available and it let us go over that max and buy this $900 flight, I guess it was because it was one transaction.

That was a moment where we were like, what if that transaction wouldn't have went through? We had no other ways for him to get home. To realize that he could have missed our daughter's birth - we planned her and we still weren't financially secured enough to plan to save that money, we had no emergency fund, we had nothing. 

Even so, when we were at such a rock bottom place, she was about 9 months old before I actually even set up a budget. So we lived in that rock bottom for about 9 months. Until, one night, I just felt it on my heart to start googling and start Pinteresting and look up what a budget is, how it even works.

It just kind of grew from there. We started being intentional and we started saying, hey this is really working, we were hitting goals and life got easier and easier and easier as each debt went away. We were like, I think we're on to something. It just kinda grew from there! :)

Maggie: That must have been really stressful! I can't even imagine!

Sami: Oh, yeah! Especially in those postpartum months and adjusting from one baby to two babies, I feel like that's always the hardest. So yeah, it was a very dark year.

Maggie: How did it affect your marriage if you don't mind sharing? 

Sami: Amazingly, in every way possible, at first my husband is more of the spender, the free spirit, he works very very hard to provide for our family. He sacrifices a lot, you know, being away from us for as much as he is. So he very much has this idea of, well I work really hard for this money. And I had the same idea because he does work really hard for this money. And so for the first 6 months he did feel a little bit of a strain, he did feel like I was being his mother saying he couldn't buy these things.

But he started to see what it was doing for our family, he started to seee the bright future, the promises, and so he came around and now he's just as into it as I am. It allowed us to connect, it allowed us to get better at communicating. When you start to share your goals again, when you start to dream again like you did when you were dating, like you did before you had kids... you know, when kids come along and bills and all that, you stop dreaming together. We get so in this survival mode, trying to get all the kids fed and all that, so this really allows us to sit down and dream together. we're achieving goals together and that's amazing. It was hard. It kind of made it harder for a little while but it got better and the payoff is so so great.

Maggie: Totally! And I think when it comes to getting our finances in check, we all have the desire to do that but then we don't really keep working at it. But I think if we choose to go back to God's Word, if we choose to look at finances from His perspective, I think that has more motivation for us to keep working at it. So from a biblical standpoint, why is it important for us Christ followers to manage our resources well? 

Sami: It's kind of like what you said. You know, I feel like God brought my husband and I together. I feel like He blessed us with our three children, I don't feel like He would put our family together to struggle. He blessed us with our children, He gave us them to look after in this life, why would He want our kids not to have a great life? I believe God has called us to live an abundant life, He has blessed us with not only our children but our talents, the things we're good at. He wants us to grow those talents, He wants us to live the best possible life that we can. Not only that, so many people want to help others. They want to be generous. Especially with all these hurricanes, all these things that are going on lately, our hearts just go out to those people that are affected by tragedies, tragedies that are happening every day, and we can't help them if our family isn't taken care of. So when we get to the point when we have a lot enough savings account where we can just make a huge donation and help others, not just taking care of our family but taking care of others, I feel like that's what God wants us to do. Why would He want us to struggle, He wants the best for us, so I feel like He's given us talents to use in our jobs to create a better life for our family,

Maggie: yeah, so what do you see as common weaknesses or even some lies that we believe in about money?

Sami: I've experienced these a lot as we went through these years. People that we know personally have treated us a little differently, they might not even realize that they do it. But they would make little comments. And I think a lot of times people perceive people who desire money as bad, or greedy or all of these words. So it's almost this negative persona if you desire money, if you make money one of your goals. They think you're supposed to make helping others your goal, you're supposed to make getting closer to God as your goal, and so as soon as you put money as your goal, it's like you're automatically perceived as an evil person. I just don't think that's true at all. I think, you know, we have a responsibility to take care of our families and others, and I think a lot of people see having money goals as greedy, and that's just not true. I think that makes us very weak, I think that puts something in between us and I think people perceive money as something distant from God and that's not true at all.

Maggie: yeah, it's something that I struggled with, especially in the beginning as I was building up my business. I wanted to make money not because I wanted to hoard money, I wanted to replace my husband's income so that he doesn't have to do this 12-hour job everyday. I want to pull him home so that he can spend more time with our sons, so that our sons will remember what their dad is like instead of having him work all the time, you know? 

Sami: Exactly. 

Maggie: I struggle with that. It's not like I'm hoarding money, I want to be able to have a little bit more resources so that my husband will be a little more present and also so that we give more abundantly.

Sami: Exactly! And that's kinda how we feel about my husband. He's gone for 3 weeks and home for 3 weeks. So essentially half the year, he's done this for 11 years. He's missed so much - if your work schedule falls on Christmas, he's gone. If it falls on a birthday, you know, you go when it's your time to go! That's kind of how we are. We're not saving money to be greedy, we're saving it to do great things. We're saving it to give our kids an education, and to stay closer as a family, and eventually to be able to help others in a big big way that is in our plans in the future. 

Maggie: Yeah, it reminds me of a verse that says, "the love of money is the root of all evil." (1 Timothy 6:10) It's not just the money itself. Money can be such a great tool to do many things that God wants you to do. So what are some fruits that you've been able to reap since committing to get out of debt, since committing to become more intentional with your finances?

Sami: First of all, like I mentioned, the strength in our marriage. It's probably my number 1 - it's gotten us so much closer as a family. I think the reasons behind us getting closer as a family is because we're gained so much contentment and we've kind of done this journey hand in hand with minimalism. We have purged so much. We have recently downsized our house significantly from 3200 square feet to a little over 600 square feet in order to save more. And not only that but to be closer as a family in this tiny house.

And so, it's gained us so much contentment. Our kids are so appreciative of the things they have because they don't get treats as often as they would have, you know, if we would've been still living our old life. And along with that, it's simplified our life; it's calmed our life down, we're not chasing chasing chasing whatever it is. We've learned to stay home more and find joy more in the simple things. It's kind of a surprising benefit. At first I thought it was gonna be a punishment to never go out to eat, that it was gonna be a punishment to not go on these fancy vacations but it's just not true. You learn so much contentment. You learn to really appreciate the nights in, just watching a movie with popcorn. Things like that. I think those are really underestimated in how precious those are. Because those are the memories we're going to have when you look back and when your kids look back.

Maggie: Totally! It reminds me of this survey or this study that someone did about what kids remember the most about their parents. It's the little things that they remember, not the big vacation fancy things that they remember, but it's the everyday life that they get to share with you.

Sami: Yeah, it's remembering that mom took me outside and we had a picnic. My kids love just going to the park and the park is free! You know, things like that! They love the simple things, they love the time spent and so the more we get all of us together, it seems like we have more free time because we're not spending our free time stressing and arguing over money. There's not a pit in the stomach kind of feeling anytime you buy groceries. You can say, "yeah, you can throw in a packet of cookies," you know, when you're at the grocery store. They love that! That's like Christmas to them.

Maggie: Yeah! Totally! And I think that is such a controversial message to the culture. I think right now everyone is like buy buy buy, purchase purchase purchase, they're always chasing after the next thing and finding that fulfillment but really you just gotta scale back and really be grateful for the simple things you've been blessed with! So, I have a question, it's common for people to think that you have to be making a lot of money in order to successfully get out of debt, that if you're living paycheck to paycheck then you don't have that room in your budget to throw extra money towards your debt. What do you think of this statement?

Sami: Well, I kind of agree in a way that you can't really get ahead when you are living paycheck to paycheck. We weren't even living paycheck to paycheck, it was like 3 or 4 days before payday and our bank account would be negative. We would just hope and pray that the electric bill would just stay pending. So we were totally in that place. The key is to hit pause and take that time to really evaluate what is going on. Find that extra money - I think a lot of times, we think there isn't that extra money when it's there somewhere. I'm not talking about $100, I'm talking $5 or $10. Sometimes that's where you have to start.

Start with your smallest debt. Well, before that, start with a little savings account. And then go to that smaller debt. Sometimes, that is $5 or $10. Like you've cut $5 or $10 in coupons and so you're going to stash that $5 or $10 towards your debt. Sometimes that's where you really start - it's a slow start and people don't really like to hear that - but when you are really really tight, that's where you start.

Some people are fortunate enough to be able to really shake things up like we did - we're selling our house. We actually had 3 pieces of real estate, we had our old house that we were using as rental income, we were able to sell it. That helped so much. That other property that was going to be for our business but we ended up not using it for our business, we were able to sell that. I've seen people sell their cars and do crazy things like we did.

This isn't forever. I'm actually - at the time of recording this interview - I'm finishing up the last lesson of my course. I was saying, guys, this isn't forever. This is a very short season of life and if you have to do without a second vehicle, it's a very short season of life. But also, some people are like, I've literally done everything, we're about to go hungry if we cut back anymore. So that's when I say, remember this is a short season of life, let's see where you can earn extra money. Those are the only 2 things you can do. You can cut back your expenses or you can earn more income. Those are our only choices. 

So if you feel like you've cut back as much as possible, this is the time to work overtime, to pursue a career that will earn you more. Or, a lot of stay at home moms, they have amazing opportunities - the internet is right there, there are so many online jobs. There are blogging opportunities - blogging is huge. There are so many companies you can work with online. You can sell your craft projects on Etsy. There's Facebook classified where you can sell things whenever it's a different holiday. You can babysit, you can do all these things.

You can do what I do: I work a lot when my kids are asleep. I mean, honestly, I have 3 kids and my oldest is 6. My kids are very little. A lot of times I work when they sleep. That's what we do to get to where we're going. There are people who work 2nd jobs. If you feel like you've cut back as much as you can, your only other choice is to make money.

Maggie: Yeah, I definitely agree! I definitely feel the same, I feel stuck because I already cut down a lot of the expenses. We don't have a car payment, our phone plans are really cheap, they're like half of what people pay. And we don't have cable. I've already cut down on these expenses, I don't have any more to cut! So you're right - minimize your expenses and maximize your income. That's how you create that room to throw extra towards your debt. And with the online world, the possibilities are endless. 

Sami: Yes!

Practical Steps to Take Control of Your Money

Maggie: So, what are some practical steps when it comes to getting our finances in check? I feel like this is something that we know we should do but we're never really taught how to do it.

Sami: Exactly! I was the exact same way. I'm pretty much self-taught.

So basically, the first step is to find that extra money. Cut back where you can and find that extra money where you can - do both, ideally.  

Be very intentional when you do find that extra money. People say a lot "once my credit card is paid off, I'll be able to do..." But then they come to that day when their credit card is paid off and they say "well, we're gonna take this little trip to celebrate" And then 2 or 3 months go by and they're like, "where did the money go?!" When you do cut back or when you do earn extra, be specific and be very intentional about where it's gonna go.

Get an emergency fund set up. It can be very little depending on your family's situation, usually about $500-$100, pick a number that you will feel really comfortable with. For some people, $500 is plenty; for some other people, it might be $1000. 

Cut up those credit cards. If you've decided to get out of debt but then your roof leaks and you have to use your credit card or get a loan for it, you're going to be crushed and you'll give up.

So get that emergency fund set up and work on your smallest balance of the debt. Take every single dollar you're able to cut back, every single dollar you're able to earn extra, and anything that happens to be left over, even if it's $5, you take that $5 and make a $5 credit card payment. You'll get your debt gone little by little, starting with the smallest balance one. The reason to start with the smallest one while continuing paying the minimum on the other ones is because we especially moms we often multitask, you think you're being so productive but you're just a hot mess running around trying to do 5 things at once. Focus on one thing at a time, throw all your effort and extra money into that one debt. When it's gone, you're gonna be on cloud 9 and you're gonna be able to go to the next one. You'll be so motivated when you see the first one gone.

Maggie: Yeah! I like what you said about being intentional even if it's as small as a $5 payment. I feel like a lot of times we overlook that and we go, "oh, hey, I'll just get myself a cup of coffee!" But big things become big things because they're a collection of small things, if that makes sense?

Sami: Yes! That little by little progress, it adds up quickly! If you think $5 a week, that's $20 a month! If I passed $20 on the sidewalk, I would pick it up! So, you know, that's nothing to be ashamed of if that's how you start off. That's better than nothing!

Maggie: Totally! What other steps do you have when it comes to getting your finances in check?

Sami: I would start with my free 5-day email course. It is basically about spending, it's called Take Control of Your Spending. Because honestly, I think our spending is the area we have the most control over. It's the most flexible. A lot of times we can't argue what our electric bill is, we can tell our kids to turn the lights off but at the end of the day we have to pay the electric bill.

But with our spending, we have so much more control over it. This is the area that gets abused the most and yet has the most control over. So in the course we work on tracking your expenses. We work on getting your categories organized, we work on where you can cut back after you can see where your money is really going. And then where can we be intentional about this money. We do all of this in the course of this 5-day email course. You might be really surprised if you've never tracked your spending before.

Maggie: Yeah, I think that's step 0 when it comes to getting out of debt or budgeting. A lot of times we don't realize $5 went here, $5 there, and then a month went by and turned out a total of $100 went to Casey's. So how do you keep yourself motivated when you're working towards financial freedom?

Sami: This is honestly my most popular blog post by far because this is the hardest thing: we're really great about getting worked up the first time. It's like making new years resolution in January, talk to us in April and we're like, "what new years resolution?" So staying motivated is the hardest. So I say make it fun! Make it a challenge and remember why you started in the first place.

A lot of us, if we're moms, our reason is our kids or our husbands. We wanna send our kids to college or we wanna go on vacation. I encourage my ladies to write it down somewhere - your fridge, your bathroom mirror - and remember why you started in the first place. 

Then establish a written plan. If you write it down, you're so much more likely to actually accomplish it.

And then work towards your goals every single day. A lot of us if we're stay at home parents, we feel like we're not contributing financially. It feels stuck, like we know we're in this situation but we can't do anything. So work towards your goals every single day - and I'm talking very little things, like staying under your groceries budget, clipping coupons, babysitting, selling extra things you don't need around the house. Doing little things so you feel like you're contributing, this can help motivate you in the long months or even years of paying off this debt.

Plus using visuals can be helpful. You can pin on Pinterest all day long for debt payoff or for savings. There are people who use charts, there are people who use jars where you transfer rocks from one to another. Some people cut paper chains like how kids countdown for Christmas. There are so many awesome visuals. If we're tangible learners, those are the things that will help motivate us.

Also, celebrate the small wins. Like what we were saying, $5. That's nothing to be ashamed of. Remember to be proud of yourself, even for little things like that. Having a little celebratiion, maybe you splurge for steak at the grocery store when you hit a big increment with debt payoff. Say you get $1000 paid off and you celebrate with a steak dinner. Celebrate and be proud of the progress you've made.

Realize that time is going to pass one way or the other. If your debt is paid off in 4 years, that's just 4 years! You're gonna be 4 years older, your kids are gonna be 4 years older. You can spend that time doing nothing about your debt or you can spend that time being productive. Either way, that time is still gonna pass. We can't stop time. Choose the time we have to be productive with it.

Flip that mindset that this is not a punishment, this is simply a journey. We get ourselves in this debt. No one forced our hand to swipe that credit card. No one forced our hand to sign that mortgage or that car loan. We got ourselves into this mess, we're gonna get ourselves out. Nobody is punishing us. We did this.

Surround yourself with some really good motivation. If we don't have good motivation, if we don't have good support - that's the beauty of the internet, there are so many groups you can join - there are things like this, like an uplifting podcast to listen to. There're YouTube videos, there are books, there are blogs, there are people out there doing what you're doing. Find them. Connect with them. Feed off of their energy. That's one of the reasons why I love my FB community. It's just full of women who are doing exactly what we're doing. They are there to uplift you and encourage you. You can share your struggles. You can share your wins. They will be there to support you.

Maggie: I do love your community. I feel less alone when I'm in the group.

Sami: Yes! There are such sweet ladies and we're just growing and growing - I love it! :) So yeah, those are my tips. Staying motivated is important. Pick which of those that speak to you and just go with it.

Maggie: I saw a post that you posted last week and I wanna make sure you talk about (it just came to my mind). I totally resonated with the post. A lot of times, when people want to start budgeting, when they want to get out of debt, they go "okay then I'm just not gonna go to the movies at all, I'm just not gonna have any fun at all" But that doesn't work!

Sami: Right! Yeah! That's a really great blog post which was actually inspired by one of my readers. She was like "I really wanna do this but I feel like if I cut out all my fun I'm going to go crazy"

The truth is you will go crazy! You're a human. You're not supposed to be perfect. So, yes, budget in a little fun. Even if it's free fun, make sure you're having fun along the way. It's probably gonna be a long journey, it's probably gonna be a couple years for most of us if not longer.

What I did was sneaking in little things. Let's say you have your groceries budget, you've clipped $5 worth of coupon. Throw in a little nail polish, throw in a magazine - it doesn't have to be every single week. Or grab some fresh flowers - they are my go-to - I would spend $3-$5 on fresh flowers and I would look at those flowers and I would go, "you're okay, you're gonna get through this week!" We were eating hamburgers again instead of steak, but we'll be okay because we have these flowers. Or doing little free date nights, or really cheap date nights, free things for your family, and just remember to be intentional about these things. You don't have to go to Disney World to have fun with your family. You can go to the park and that's okay! You will go crazy if you don't do anything fun.

Maggie: Yeah, it won't work!

Sami: Yeah, it won't work and you'll give up.

Maggie: You've mentioned in the beginning about your husband being the bigger spender. I'm sure that's not the only case for lots of our listeners. So how do you get your spouse on board especially if they are bigger spenders?

Sami: Right. I actually have a lesson on this in my course. I actually had my husband help me co-write it. I'm like, okay what really worked for you?

So first of all, not pushing. I think that's the ultimate because our goal here is to make our family stronger, not to pull our family apart, not to pick a fight between you and your spouse. Go about it very lovingly and very positively. If he's not on board, you might have to do it alone for a little while, and share the updates with him. Go like "oh my gosh, I came in $20 under budget on this item. Can you believe it, that's so awesome! I can throw it towards our debt!" Or, "look at how fast this balance is going down! Can you believe it?"

So just stay really positive and I think most husbands want what's the best for their families ultimately, even if they are a little stubborn. Ultimately, they want their wives to be happy; they want their kids to have a great life. So I think eventually they will see the benefits. 

One of the best things for us is to sit down and create a shared goals list. For him, he was like, "okay, if I go without for 2 or 3 years, I get this awesome thing once we're out of debt." He saw that on paper, even though it was a few years away, he had a goal, he had a vision. He had the potential of spending a lot of money on something really fun.

So we sat down. We shared our hearts, we shared our dreams of what we wanted for the future. I think letting us both be heard that he knew I was working towards his goals and he was working towards mine. That's one of those things that really strengthened our marriage.

For him, he had always wanted a boat. There's a lake within an hour in any direction you drive, so we have a lot of lakes and fishing in the area. So he said, "when we get out of debt, I would really like to have a boat. It doesn't have to be expensive." Our boat is like 20 years old but it's nice and he loves it. He cannot believe that's his real life! We worked really hard to get to where we are. We sold a lot of things. We moved. We did all these crazy things and here we are he has his boat!

He got to live his dream! So I think if you realize, "oh my gosh, if I get out of debt, I can have a boat! Wow, that's totally worth it!" I think you'll get your husband to come around that way. Show him you have a really bright future. We have a lot of great things to look forward to. Don't you wanna retire when you can still walk? Don't you want all these great things? So yeah, that was really really huge for him.

Maggie: So we've kind of touched on the mistakes people make when people are trying to get out of debt. Do you see any other ones that you wanna mention?

Sami: First of all, like I mentioned, saving that emergency fund of $500-$1000. A lot of times people get really excited about paying off their debt, they get really motivated and they jump straight into paying off their debt and they don't save for that emergency money. But then if you get a flat tire and you have to get your credit card back out, that's gonna hurt. I know people get really excited and they want to get their debt paid off but don't skip over that step of saving an emergency fund. Because when you need it, you're gonna be so glad that you have it.

Not being focused. Being too scattered. Trying to multitask, trying to work on 2 or 3 debts is not going to be productive. So focus on one at a time.

Another thing that I see is people not challenging themselves enough. They're still not cutting back enough. They have this guilty that their family is going to do without; they're going to suffer if they don't go out to eat every single night. They don't challenge themselves enough; they don't take themselves seriously enough to realize that this is their life, they get one chance at this life. We've got to do it well. We have a responsibility. We're called to this life for a reason. Our children are placed in our care for a reason. We have to take it seriously. We have to challenge ourselves. We have to realize that it's a very very short season. We can roll up our sleeves for a few years and it will make worth it.

Maggie: Totally! You've kind of mentioned the free email course to get people's spending under control. Let's say people go through that and they're ready to a better steward of God's resources. So now what? What other resources can they use? 

Sami: Inside this free course, I give free spending worksheets. I also offer free debt worksheets. Or, you can get all those worksheets as a big pack and I sell those for a very cheap price. Those are worksheets that I use personally. If they're ready to get organized, they can do that.

I'm also just launching my full course, it's a go-at-your-own-pace kind of course. It's 30 lessons. The first 10 we work on the why, the mindset, there will be a video of me giving you pep talks through each topic. Like, for couples, what to do if you're married. A lot of the tips I just shared with you are in the lesson. What to do with your kids. What to say to your friends and family. Things like that. 

The next 20 lessons we really work on the how. We'll be rolling up our sleeves and working through the how to do everything. It's very step-by-step. 

It's designed for you to get through it in 30 days. Most of them are 5 to 10 minutes long, the longest is maybe 20 minutes. It's designed for a busy mom to do first thing in the morning, or during nap time or after the kids go to bed. 

You can get through it in 30 days or even faster. Or, if you have a newborn baby and you're not sleeping, and you need to 2 or 3 months to get through it, that's totally fine too!

But they are very short simple lessons. They have very actionable tips. All the worksheets are in there. I help you set up every single worksheet. There is no guess work. It's very simple and designed for the overwhelmed mom. It's what I wish I had 4 years ago when I first started this journey.

I'm very excited about it. I've gotten so many pre-order enrollment students. We're launching now and we're really excited to get some ladies in there.

We're gonna do some live group coaching program in there. Live streaming videos where ladies can ask questions and connect. We're really really excited about it.

It's very affordable. It's honestly worth a lot more but I totally get that this is when you need it the most. This course, I feel like it's worth $100 or $150, but it's way way cheaper than that so it's able to work into everyone's real life.

Maggie: What words of encouragement do you have for wives who are in the pit of drowning in debt?

Sami: First of all, just remember you're not alone. I still remember those days of scrolling Facebook just to not feel alone, looking for people to reach out to. That's why I started my community, to remind these ladies that you're not alone. I feel like God gave you the life He gave you. He helped you find your husband who you're supposed to find. He blessed you with your children. He gave you this life you're given. He didn't give it to you on accident. Also, He didn't give you your struggles on accident. It's all part of a greater plan. When you're in the thick of it, it's very hard to get that aerial view. It's very hard to see why this is happening to you.

That's a prayer I often said. I was angry at God like, "why did you give me this struggle?" And I look back, and I think, if I never had that struggle, I would've never reached these thousands of ladies that I'm now helping.

You don't know why. And sometimes we're not supposed to. So just realizing that God doesn't make mistakes. If He's placed a struggle in your life, He wants to teach you a lesson, He wants to challenge you, He wants to make you better. You will come out of it better and stronger because of it. So don't feel like anything in your life is a mistake. Don't feel like you're wrong for struggling. Stay strong and realize you're not alone. A lot of women have been there and a lot of women have made it through!


Want to hang out with Sami more? Find her on Facebook and Instagram!

Sami has so generously given all Indwelt Women readers and listeners a $10 coupon to her full course, The Sunny Money Method.

If you are ready to tackle your money and get it under control. you have to get this course!

I'm going through it alongside you. You don't have to be afraid to look at your bank accounts anymore. Let's face this giant and be better stewards of God's resources. 

Lock in your $10 off discount today by clicking this link here.


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Podcast music: Sunny Holidays & Summertime by Nicolai Heidlas