Money Talk with The Maloneys
Have you dreamed of being debt free and living a financial stable journey? Want to build wealth and your future to come living your best life with faith and mindset? Let us tell you our journey and you can learn from us. We help bring people on a journey of wealth and a future legacy through their faith and mindset.
Believe and Budget is all about believing in yourself!
Believing in doing something good for the greater world! Planning similar to how you plan for vacation, the weekend, or a girl’s or men’s night out on the town. Believe and Budget is also about motivating, teaching, and coaching you so you can enjoy a financially stable journey to share to the next generation of your family and friends!
My name is Kailey. I love to share my passion of believing for the greater good, building positive relationships, budgeting the money we are given, and watching people enjoy the life the good Lord gave us as an outcome.
I became so interested in budgeting, finances, and believing from growing up. I grew up in a household that was well off then well life happened. My parents did teach me about money a little bit. My dad and mom helped me open my first bank account — free checking! My dad taught me to use a credit card only on gas to build up my credit and pay it off 100% every month! My mom bought me my first car — an old grandma car guys don’t get too excited about it!
My parents got a divorce, my family did not talk much about the finances and kept us living a life we were living like when my parents were together. A life where we could not afford – Christmas’s were still big, school activities were still 100% in our lives, and even more I played on a select team traveling from state to state. I did not know any better until my dad started to open up about money when I was in my first year of college. I could not believe what he would tell me. I thought to myself, how could he not afford to send me to a private college and why did I need to get a loan? I was so spoiled with living this way…however, in my mind, I was not going to change my decision… I still went to the private college to play soccer anyways. After my first year, reality hit and I did not want to be living a life that I could not afford and not get myself out of. In one day, I applied to a public college, transferred, and moved in with my older sister and her husband. That year I took a financial class to learn more about finances and paying my debt while I was still in school.
Being taught in college about finances changed my life! I had the debt — I needed to get out of it! I got out of it faster than lighting. Then began wanting to do something more with what I learned. It enhanced me to want to motivate, teach, and coach others to make this game change in their journey too!
Living beyond your means can STOP now in your generation and even change the rest of your families journey too!
Most of my family and friends come to me about these common themes, which is why we have created 5 easy headlines for your access:
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Mint – Started using this in 2013 before I graduated college, and added my spouse to it the year we got married in 2019.
Capital One 360 in 2016 it is FREE for the savings accounts. Multiple savings accounts for easy an online envelop system.
Investing – We set our automatic contributions and forget it with Betterment. Review it 4 times a year and Betterment does all the work for me! Thank goodness – it’s been a lifesaver!!!
Ibotta – Love the deals without cutting coupons! Want to earn money back that we work hard for? It is easy to use especially since you can link up your Kroger card plus use Scan, Bag, Go at Kroger and get to see Ibotta deals, Kroger digital coupons, and save money!
Ever wonder how you are going to afford retirement homes or living care when you are older? Did you know that the cost of retirement homes are an average of $70,000 – $100,000 annual! I know you are thinking what I am thinking, and how are we suppose to afford that at the rate of…
Medical bills can hit anyone unexpectedly especially if someone gets an illness unexpectedly, has a baby and did not plan for it financially, or gets in an accident that wasn’t your fault. However if you have medical bills you are able to get out of the medical bill debt, but how? Let us tell you…
Baby cost are high — we had to learn to save up for Baby Maloney and fast. We had to figure a way to cut cost and quickly to save the $10,000. Instead of buying lunch after lunch, we made bagged lunches cool for both my husband and I to take to work. You can…
We are here to help you live a better life by believing, budgeting, and growing your networth!
We paid off 112k worth of debt in 6.5 years, cash funded our $10k wedding, saved $10k for our baby, paid for 2 cars with cash, and grew our networth to six figures!
We travel the US in our RV and create handmade jewelry!
1:1 Grocery Budget Coaching
Set up a 1:1 grocery budget coaching session to get a personalized plan on how to save at the grocery store!
$159.00
Believe And Budget 
