EP. 80 Side Hustles and Earning Extra Income with guest Kelly Smith from Freedom In A Budget

03/05/20 • 37 min

1 Listener

What do you do if you’re not happy with your debt-free timeline? You speed it up with side hustles and earning extra income anywhere you can. But, for many of us, this side hustle world is uncharted territory and seems overwhelming with everything else we have going on.

Thankfully, Kelly from Freedom In A Budget, is sharing her best tips for earning easy extra income. She shares where to start, ideas you can do from home, how to utilize what you already have, and a pep talk that’ll get you into action.

IN THIS EPISODE, SAMI + KELLY CHAT ABOUT:

Kelly’s debt-free journey story
How to use what you already have to earn extra income
Realistic side hustle ideas
Easy to start extra income ideas
Work from home side hustles
Actionable tips you can start using today
Why earning extra income is vital to your debt-free journey
Lots of motivation for getting started

RESOURCES MENTIONED:

[YouTube] Kelly’s Side Hustle Playlist
[Blog] Kelly’s Side Hustle Reports
[Sami’s Affiliate Link] Fetch Rewards use code DKPKV to redeem 2K points (aka $2)!
Podcast Home Page
Leave a Podcast Review

Kelly Smith is the creator of Freedom In A Budget where she helps her 33,000+ YouTube subscribers reach their goals through financial independence, intentional spending and finding joy in the little things.

She has paid off $23k in student loan debt, cash flowed her $30k wedding and her $25k dream car. Her and her husband, Jayme also just bought their first house in South Florida. YouTube | Instagram | Website | Facebook

I'D LOVE TO HEAR FROM YOU...

Reviews are everything on iTunes! Would you take a minute and click here to leave a review?

If you have a question or comment about this episode connect with me over on Facebook or Instagram.

HEY I'M SAMI WOMACK

I'm the wife to my high school sweetheart, Daniel, + homeschooling momma to our 3 girls. I'm the Budgeting Coach + Motivational Speaker behind A Sunny Side Up Life.

My family used to be in $490k of debt + living paycheck-to-paycheck, but after we hit rock bottom everything changed for us!

Now that my family has become debt free + gained financial freedom, I want to help your family do the same! My passion is inspiring women to live abundant lives through budgeting, intentional living, and positive thinking.

I offer a jump start into budgeting with my free 8-day Declutter Your Budget Challenge + full budgeting experience with my course, Your Sunny Money Method.

IN THIS EPISODE, SAMI + KELLY CHAT ABOUT:

Kelly’s debt-free journey story
How to use what you already have to earn extra income
Realistic side hustle ideas
Easy to start extra income ideas
Work from home side hustles
Actionable tips you can start using today
Why earning extra income is vital to your debt-free journey
Lots of motivation for getting started

RESOURCES MENTIONED:

[YouTube] Kelly’s Side Hustle Playlist
[Blog] Kelly’s Side Hustle Reports
[Sami’s Affiliate Link] Fetch Rewards use code DKPKV to redeem 2K points (aka $2)!
Podcast Home Page
Leave a Podcast Review

I'D LOVE TO HEAR FROM YOU...

Reviews are everything on iTunes! Would you take a minute and click here to leave a review?

If you have a question or comment about this episode connect with me over on Facebook or Instagram.

HEY I'M SAMI WOMACK

I'm the wife to my high school sweetheart, Daniel, + homeschooling momma to our 3 girls. I'm the Budgeting Coach + Motivational Speaker behind A Sunny Side Up Life.

My family used to be in $490k of debt + living paycheck-to-paycheck, but after we hit rock bottom everything changed for us!

I offer a jump start into budgeting with my free 8-day Declutter Your Budget Challenge + full budgeting experience with my course, Your Sunny Money Method.

Previous Episode

EP. 79 Our Family's Debt-Free Journey Timeline

In this episode, I’m sharing our family’s debt payoff timeline breakdown and our real numbers along the way. I’m letting you guys inside how long our journey took, the financial ups + downs, the leaps of faith + times of waiting, and everything in between. I’m also passing along lots of encouragement for YOU on your own journey...no matter what your numbers or timeline look like.

IN THIS EPISODE, SAMI SHARES ABOUT:

My family’s real debt numbers
- $2,000 medical (8 debts)
- $14,000 property taxes + IRS
- $14,000 credit cards (3 debts)
- $7,000 Melanie’s birth bills
- $6,000 small misc. debts (owed family, small credit cards that I didn’t track the exact amounts of, etc)
- $68,000 commercial land
- $99,000 rental house
- $280,000 big house **these numbers are estimated + rounded because we didn't keep very detailed records at the beginning of our journey
My family’s debt-free timeline
- Oct 2014 created a budget
- Jan 2015 added up our debt, total $490k
- Feb 2015 found out we were pregnant w/ 3rd daughter
  - Made a timeline, paid off a few more small debts
  - Added $7k to debt with her medical bills
- April 2016 sold land
  - Paid off land’s balance
  - Emergency Fund $20k
  - Bought SUV $13k
- Feb 2017 bought boat $6.8k.
- April 2017 sold rental house...didn’t have a profit
- July 2017 moved into current rent house
- Nov 2017 got offer on big house
- Jan 2018 sold big house...had $5k profit
- Feb 2018 bought truck $25k
- Oct 2018 bought camper $6.9K
- Nov 2019 bought new boat $11k
- Feb 2020 sold old boat for $3.5

RESOURCES MENTIONED:

Digital Budgeting System Worksheets
[Blog + Video] Why We Sold Our House To Become Debt-Free
[Podcast] EP. 09 Why We're Renting Instead of Buying a House
Podcast Home Page
Leave a Podcast Review

I'D LOVE TO HEAR FROM YOU...

Reviews are everything on iTunes! Would you take a minute and click here to leave a review?

If you have a question or comment about this episode connect with me over on Facebook or Instagram.

HEY I'M SAMI WOMACK

I'm the wife to my high school sweetheart, Daniel, + homeschooling momma to our 3 girls. I'm the Budgeting Coach + Motivational Speaker behind A Sunny Side Up Life.

My family used to be in $490k of debt + living paycheck-to-paycheck, but after we hit rock bottom everything changed for us!

I offer a jump start into budgeting with my free 8-day Declutter Your Budget Challenge + full budgeting experien...

Next Episode

EP. 81 Breaking Free From Impulse Shopping + Overspending

Overspending and impulse shopping are two of the most common ways to bust your budget. Even though these two phrases are often used interchangeably, they actually have very different meanings. While overspending is simply going over your allotted budget, impulse shopping is much more emotional and has a heart issue behind it.

In this episode, we’re digging into all of my best tips for breaking free from both overspending, and impulse shopping. I’ll also share how to overcome a shopping addiction, how to create new habits and specific ways to set up your budget.

IN THIS EPISODE, SAMI SHARES ABOUT:

The difference between impulse shopping and overspending
How to overcome a shopping addiction
How to break the scarcity mindset around “never being able to shop again”
How Minimalism can help overcome a shopping addiction
“You’re not wasting the money when you get rid of things, you wasted the money when you bought the things.” -Allie Casazza
How to create a new habit
How to not overspend
How I organize my bank accounts, and how it helps me to not overspend
Spending with a debit card vs. cash
Why you might be setting an unrealistic amount for your spending budget
How to ease your way into a lower spending budget
Why you need more discipline
What to when you’re used to having more spending money
What to do when an unexpected expense comes up
Ideas to replace your expense hobbies
Becoming a home economist
How setting up a budget can cut back your overspending
“Stop lying to yourself about your commitment to hitting your goals.” -Sami Womack

RESOURCES MENTIONED:

[Sami’s Affiliate Link] Fetch Rewards use code DKPKV to redeem 2K points (aka $2)!
[Sami’s Referral Link] Walmart Grocery Pickup to save $10 on your first purchase
[Podcast] EP. 03: How To Organize Your Bank Accounts
[YouTube] How I Organize My Bank Accounts
Digital Budgeting System Worksheets
Podcast Home Page
Leave a Podcast Review

I'D LOVE TO HEAR FROM YOU...

Reviews are everything on iTunes! Would you take a minute and click here to leave a review?

If you have a question or comment about this episode connect with me over on Facebook or Instagram.

HEY I'M SAMI WOMACK

I'm the wife to my high school sweetheart, Daniel, + homeschooling momma to our 3 girls. I'm the Budgeting Coach + Motivational Speaker behind A Sunny Side Up Life.

My family used to be in $490k of debt + living paycheck-to-paycheck, but after we hit rock bottom everything changed for us!

I offer a jump sta...