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Financial Coaching for Women: How To Budget, Manage Money, Pay Off Debt, Save Money, Paycheck Plans
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319 | Transform Your Money Habits: From Living Paycheck to Paycheck to Financial Peace
Manage episode 446471014 series 3552580
コンテンツは Vanessa and Shana | Budget Besties | Bougie On A Budget | Dave Ramsey Fans and Shana | Budget Besties | Bougie On A Budget | Dave Ramsey Fans によって提供されます。エピソード、グラフィック、ポッドキャストの説明を含むすべてのポッドキャスト コンテンツは、Vanessa and Shana | Budget Besties | Bougie On A Budget | Dave Ramsey Fans and Shana | Budget Besties | Bougie On A Budget | Dave Ramsey Fans またはそのポッドキャスト プラットフォーム パートナーによって直接アップロードされ、提供されます。誰かがあなたの著作物をあなたの許可なく使用していると思われる場合は、ここで概説されているプロセスに従うことができますhttps://ja.player.fm/legal。
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364 つのエピソード
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Financial Coaching for Women: How To Budget, Manage Money, Pay Off Debt, Save Money, Paycheck Plans
319 | Transform Your Money Habits: From Living Paycheck to Paycheck to Financial Peace
Financial Coaching for Women: How To Budget, Manage Money, Pay Off Debt, Save Money, Paycheck Plans
Manage episode 446471014 series 3552580
コンテンツは Vanessa and Shana | Budget Besties | Bougie On A Budget | Dave Ramsey Fans and Shana | Budget Besties | Bougie On A Budget | Dave Ramsey Fans によって提供されます。エピソード、グラフィック、ポッドキャストの説明を含むすべてのポッドキャスト コンテンツは、Vanessa and Shana | Budget Besties | Bougie On A Budget | Dave Ramsey Fans and Shana | Budget Besties | Bougie On A Budget | Dave Ramsey Fans またはそのポッドキャスト プラットフォーム パートナーによって直接アップロードされ、提供されます。誰かがあなたの著作物をあなたの許可なく使用していると思われる場合は、ここで概説されているプロセスに従うことができますhttps://ja.player.fm/legal。
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Financial Coaching for Women: How To Budget, Manage Money, Pay Off Debt, Save Money, Paycheck Plans
1 362 | Financial Coaching Explained: The Personal Trainer for Your Money 20:41
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20:41Snag Our Simplified Budget System! Budget Besties, we see you. You’ve got questions about financial coaching, and we’ve got answers! This episode is your go-to guide for everything you need to know before jumping in. We’re breaking down: ✅ What financial coaching actually is (spoiler: no judgment, just results!) ✅ Who coaching is for (hint: if you make good money but still feel stuck, this is for YOU) ✅ How our coaching works (think: a done-for-you budget system + two 45-minute sessions a month + unlimited text and email support) ✅ Whether you have to give up your pumpkin spice lattes (you don’t) ✅ What if your spouse isn’t on board? (We got you.) ✅ How to fit coaching into your busy schedule ✅ And so much more! Oh, and if you think you're bad at math? Don’t worry, we’re not. 😆 We bring the calculators, the spreadsheets, and the game plan—so you can focus on finally making progress with your money. So grab your coffee (or a glass of wine, like some of our fave clients), hit play, and let’s get your financial questions answered once and for all! 🎧💰 4 Ways To Connect With Us: 1️⃣ FREE CALL : Book your FREE 20-Minute Financial Coaching Call now! Get personalized advice and start your financial journey ➡︎ https://www.budgetbesties.com/freecall 2️⃣ FACEBOOK : Become part of our Supportive Facebook Group. Connect, share, and learn with others mastering their budget skills ➡︎ https://www.budgetbesties.com/facebook 3️⃣ BUDGET : Grab our Signature Budget Template! It's your key to organizing and optimizing your finances effectively ➡︎ https://budgetbesties.com/budget 4️⃣ COACHING : Ready to dive deep into your finances? Sign up for 1-on-1 or Group Financial Coaching. It’s the accountability and guidance you need to make real progress ➡︎ https://budgetbesties.com/coaching "I love Shana & Vanessa and this podcast is amazing!" 👈🏻 If that sounds like you, please consider rating and reviewing our show! It helps us to reach more people – just like you – to help them change their financial future. Don’t forget to follow the show so you don’t miss any episodes! And, if you’re feeling really generous, we’d be SO honored if you would share this podcast with someone. Click here to view our privacy policy. This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase!…
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Financial Coaching for Women: How To Budget, Manage Money, Pay Off Debt, Save Money, Paycheck Plans
1 361 | Setting Up a Budget for February: A Fresh Start! 16:41
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16:41Snag Our Simplified Budget System! Can you believe it's already February? We’re kicking off the second month of 2025 with a reset—because let’s be real, January is often a bit of a recovery month after the holidays. In this episode, Shana and Vanessa guide you through the process of closing out January and setting up a fresh budget for February. They walk you through the steps of reviewing your income, debts, bills, spending, and savings so you can hit the ground running this month. From paying off debt to planning for upcoming expenses like vacations and sports, they share practical tips and systems to keep your finances consistent, clear, and in control. If you’ve been feeling a little “January hangover,” it’s time to reset and get those money goals back on track! What We Cover in This Episode: Closing Out January: Wrap up the month by checking your bills, tracking any changes, and ensuring everything was paid correctly. Adjusting for February: Look ahead to your February income and tweak your budget for any upcoming changes. Debt & Bills: Start by listing out your debt minimums and recurring bills—then check for any price changes or new subscriptions. Cutting Costs: A perfect time to revisit your subscriptions (hello, gym memberships you’re not using!) and find savings where you can. Spending: Make sure your spending categories (groceries, gas, pocket money) are realistic and updated based on the month. Savings Buckets: If you have any leftover funds, consider how to allocate them for future purchases like travel, home repairs, or those bigger expenses that sneak up on us! Setting Transfers: Plan your transfers by paycheck so that everything is automated and consistent throughout the month. Goal Setting: February is the perfect time to revisit your goals—whether you’re saving for a vacation or paying off credit cards, make sure it’s in the budget! 4 Ways To Connect With Us: 1️⃣ FREE CALL : Book your FREE 20-Minute Financial Coaching Call now! Get personalized advice and start your financial journey ➡︎ https://www.budgetbesties.com/freecall 2️⃣ FACEBOOK : Become part of our Supportive Facebook Group. Connect, share, and learn with others mastering their budget skills ➡︎ https://www.budgetbesties.com/facebook 3️⃣ BUDGET : Grab our Signature Budget Template! It's your key to organizing and optimizing your finances effectively ➡︎ https://budgetbesties.com/budget 4️⃣ COACHING : Ready to dive deep into your finances? Sign up for 1-on-1 or Group Financial Coaching. It’s the accountability and guidance you need to make real progress ➡︎ https://budgetbesties.com/coaching "I love Shana & Vanessa and this podcast is amazing!" 👈🏻 If that sounds like you, please consider rating and reviewing our show! It helps us to reach more people – just like you – to help them change their financial future. Don’t forget to follow the show so you don’t miss any episodes! And, if you’re feeling really generous, we’d be SO honored if you would share this podcast with someone. Click here to view our privacy policy. This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase!…
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Financial Coaching for Women: How To Budget, Manage Money, Pay Off Debt, Save Money, Paycheck Plans
1 360 | Getting Your Finances Aligned as a Team: Megan’s Journey to Budget Clarity 24:10
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24:10Snag Our Simplified Budget System! In today’s episode, we welcome Megan, a busy mom, teacher, and wife, navigating the rollercoaster of combining finances with her freelance husband. Like so many of us, Megan and her husband have been managing their finances separately—but now, with a mortgage, two kids, and irregular income to juggle, it’s time to build a system that works together. We walk Megan through actionable steps to create a simple and streamlined budget system that eliminates stress, provides clarity, and empowers her to plan for the unexpected. From setting up baseline budgets to creating holding accounts for irregular income, this episode is packed with practical advice to help couples like Megan and her husband get on the same financial page. We also talk about the emotional side of money—how budgeting together can strengthen communication, reduce financial tension, and even bring a renewed sense of teamwork to a marriage. Whether you're trying to budget with irregular income or looking for a system that keeps finances clear and consistent, this episode has something for you! What We Cover in This Episode: Why managing money separately as a married couple can feel like you're spinning your wheels. How to set up a "holding account" to smooth out irregular income months. The importance of creating a baseline budget to understand what your family truly costs each month. Dividing up spending categories like groceries and personal fun money to keep things simple and stress-free. Tips for starting the budget conversation with your partner in a warm and positive way. Why combining finances doesn’t mean combining credit (and how to ease money fears when credit histories differ). How budgeting as a team can strengthen your marriage and help you dream bigger. 4 Ways To Connect With Us: 1️⃣ FREE CALL : Book your FREE 20-Minute Financial Coaching Call now! Get personalized advice and start your financial journey ➡︎ https://www.budgetbesties.com/freecall 2️⃣ FACEBOOK : Become part of our Supportive Facebook Group. Connect, share, and learn with others mastering their budget skills ➡︎ https://www.budgetbesties.com/facebook 3️⃣ BUDGET : Grab our Signature Budget Template! It's your key to organizing and optimizing your finances effectively ➡︎ https://budgetbesties.com/budget 4️⃣ COACHING : Ready to dive deep into your finances? Sign up for 1-on-1 or Group Financial Coaching. It’s the accountability and guidance you need to make real progress ➡︎ https://budgetbesties.com/coaching "I love Shana & Vanessa and this podcast is amazing!" 👈🏻 If that sounds like you, please consider rating and reviewing our show! It helps us to reach more people – just like you – to help them change their financial future. Don’t forget to follow the show so you don’t miss any episodes! And, if you’re feeling really generous, we’d be SO honored if you would share this podcast with someone. Click here to view our privacy policy. This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase!…
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Financial Coaching for Women: How To Budget, Manage Money, Pay Off Debt, Save Money, Paycheck Plans
1 359 | Turning Money Chaos into Calm: Lessons from Real-Life Financial Wins 23:42
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23:42Snag Our Simplified Budget System! Hey budget besties! 💸✨ We are back with a jam-packed episode full of real-life lessons straight from our coaching sessions. We’re talking about messy money habits, breaking down walls, and building a system that brings peace (and maybe even a little joy) to your finances. Let’s dive in! It’s Not You vs. Them – It’s Us vs. the Problem One couple kept their finances separate for years due to finger-pointing and money shame. Spending accusations, lack of tracking, and no clear goals had them stuck. 💔 Once we explained the power of teamwork and combined resources, they started seeing their money as a tool to build their dream (hello, future house 🏡). Spoiler alert: they’re bringing their money together and creating a shared vision. 🎉 Permission to Spend ≠ Permission to Stress That’s right—when you create a plan for your money, no more blaming each other for what you spend on. Example: She bought a cute hanging chair for her daughter’s room; he spent on golf. Both happy. Both stress-free. Why? Because the bills and savings were already covered. 🙌 Sacrifice Now, Flourish Later One client canceled a beloved annual family trip because it didn’t fit into their savings timeline. Instead of going into debt (again), they chose to skip this year, fund their savings buckets, and be set for next year —all in cash. 🚀 Imagine never stressing about vacations again. That’s long-term peace, y’all! The Power of Saying No From skipping playdates because the spending budget was maxed to packing snacks at volleyball tournaments instead of eating out—these little “no’s” make room for bigger “yes’s” down the line. 💪 Breaking the mold of “normal spending” feels uncomfortable at first, but normal is broke and we’re here to be anything but! Every Dollar Has a Job One couple saw “extra money” in their bills account and spent it—oops! Turns out, it was meant for debt. 🤦♀️ Lesson: The second money lands in your account, give it a purpose. Move it to where it belongs! No loosey-goosey money here. Systems Are the Secret Sauce From clients living paycheck-to-paycheck to those with feast-or-famine incomes (like quarterly bonuses), everyone needs a system. One client described their pre-coaching finances as being inside a Chuck E. Cheese money-grabbing game. 🎟️ Post-coaching? Automatic transfers, clear goals, and finally feeling in control of their finances. 🙌 Breaking the Cycle of “Keeping Up” Whether it’s a friend asking you to go out or family expecting you to live beyond your means, saying “no” can be empowering. By sticking to their budgets, our clients are becoming examples for others—proving you don’t need debt or overspending to live your best life. 🌟 4 Ways To Connect With Us: 1️⃣ FREE CALL : Book your FREE 20-Minute Financial Coaching Call now! Get personalized advice and start your financial journey ➡︎ https://www.budgetbesties.com/freecall 2️⃣ FACEBOOK : Become part of our Supportive Facebook Group. Connect, share, and learn with others mastering their budget skills ➡︎ https://www.budgetbesties.com/facebook 3️⃣ BUDGET : Grab our Signature Budget Template! It's your key to organizing and optimizing your finances effectively ➡︎ https://budgetbesties.com/budget 4️⃣ COACHING : Ready to dive deep into your finances? Sign up for 1-on-1 or Group Financial Coaching. It’s the accountability and guidance you need to make real progress ➡︎ https://budgetbesties.com/coaching "I love Shana & Vanessa and this podcast is amazing!" 👈🏻 If that sounds like you, please consider rating and reviewing our show! It helps us to reach more people – just like you – to help them change their financial future. Don’t forget to follow the show so you don’t miss any episodes! And, if you’re feeling really generous, we’d be SO honored if you would share this podcast with someone. Click here to view our privacy policy. This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase!…
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Financial Coaching for Women: How To Budget, Manage Money, Pay Off Debt, Save Money, Paycheck Plans
1 358 | How to Talk About Money in Your Relationship: Healthy Conversations for Couples 16:17
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16:17Snag Our Simplified Budget System! Good morning, budget besties! 🥳 Today, Shana and Vanessa dive into a topic we all need to address: money and relationships. Whether it’s with your partner, kids, or even yourself, money conversations can feel like stepping into a minefield. But fear not—your budget besties are here to guide you through it! From scheduling money talks to involving the kiddos, we’re covering it all. By the end, you’ll feel ready to ditch the tension and start seeing money as a team tool for success. Key Takeaways💑 Money & Your Partner: Do it on purpose : Schedule intentional time to talk about finances—no more drive-by arguments in the kitchen! Start with just 12 money dates a year . Watch your words : Use "we," "us," and "our" to frame the conversation as a shared mission. Skip “you” or “my” to avoid finger-pointing. Start with the good stuff : Dream big! Revisit the goals you had as a couple—retirement, travel, buying a home—and let that excitement fuel the budgeting process. Pro Tip : Bring data, not drama. Numbers don’t lie and help you stay objective while avoiding unnecessary emotional friction. 👩👧👦 Money & Your Kids: Start young : Kids learn best by doing. Hand them financial responsibility in age-appropriate ways. Set up a “kid budget” : Instead of an allowance, give them control of a set budget to cover their wants and needs (e.g., birthday gifts, field trips). Teach them to allocate their money wisely. Speak positively : Avoid saying, "We can't afford that." Instead, say, "We’re choosing to save for this other awesome thing." This creates a positive mindset around money choices. 💡 Shana & Vanessa’s Three Big Tips: Schedule the Talk : Make it a regular habit. A monthly check-in can help avoid surprises and build financial teamwork. Choose Collaborative Language : “We” are in this together. Always. Dream Big Together : Reconnect with those “why” moments—what’s the vision for your family? Use your goals to guide your spending and saving choices. Why It Matters Money doesn’t have to be a taboo topic—it’s just a tool. When used intentionally, it can strengthen relationships, set your family up for success, and even be a source of joy. The goal isn’t to avoid these conversations; it’s to make them empowering and productive. Ready to tackle 2025 as a team? Let’s dream big and crush those goals, besties! 💪✨ Share Your Wins! What’s the first financial goal you’ll tackle together? Let us know in the comments or DM us your questions! Remember: You’re not alone in this journey. 💕 4 Ways To Connect With Us: 1️⃣ FREE CALL : Book your FREE 20-Minute Financial Coaching Call now! Get personalized advice and start your financial journey ➡︎ https://www.budgetbesties.com/freecall 2️⃣ FACEBOOK : Become part of our Supportive Facebook Group. Connect, share, and learn with others mastering their budget skills ➡︎ https://www.budgetbesties.com/facebook 3️⃣ BUDGET : Grab our Signature Budget Template! It's your key to organizing and optimizing your finances effectively ➡︎ https://budgetbesties.com/budget 4️⃣ COACHING : Ready to dive deep into your finances? Sign up for 1-on-1 or Group Financial Coaching. It’s the accountability and guidance you need to make real progress ➡︎ https://budgetbesties.com/coaching "I love Shana & Vanessa and this podcast is amazing!" 👈🏻 If that sounds like you, please consider rating and reviewing our show! It helps us to reach more people – just like you – to help them change their financial future. Don’t forget to follow the show so you don’t miss any episodes! And, if you’re feeling really generous, we’d be SO honored if you would share this podcast with someone. Click here to view our privacy policy. This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase!…
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Financial Coaching for Women: How To Budget, Manage Money, Pay Off Debt, Save Money, Paycheck Plans
1 357 | Retirement Ready: Why Budgeting Can Be Your Biggest Blessing Yet 19:40
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19:40Snag Our Simplified Budget System! Hey Budget Besties! 👋 This week, we’re thrilled to welcome Lisa to the show as our big finale guest of the day. 🎉 Lisa is transitioning into an exciting new phase of life—selling her home, building a lake house, and gearing up for a financially free retirement. But here’s the twist: Lisa has never followed a budget before. 😲 In this episode, we guide Lisa through the steps to build her first-ever budget. If you’re planning for retirement, navigating a big life transition, or just ready to get intentional with your finances, this conversation is for you. 💰✨ We break down: The 5 sections of a simple budget: Income, debt, bills, spending, and savings. How to plan for future goals (like retirement, travel, or, yes, new shoes! 👠). The power of automating your finances so you can set it and forget it. Why a budget isn’t restrictive—it’s freeing! Lisa shares her inspiring story of living debt-free, selling her home, and preparing for her dream lake house life. We help her set up a system that will give her clarity, peace of mind, and the freedom to enjoy her retirement without stress. What You’ll Learn: How to Start a Budget: The simple, no-stress approach to creating a plan for your money. How to Stay Organized: Using multiple accounts to separate bills, spending, and savings. How to Automate Your Finances: Save for everything you want (from travel to Christmas) without lifting a finger. Living Your Vision: Why your budget should align with your goals, values, and dream life. Key Quotes from the Episode: “A budget isn’t restrictive—it’s permission to spend money without guilt.” “Ask yourself: What am I doing, and what do I want to be doing with my money?” “Once you set up your budget, it’s hands-off. You can wake up every day knowing your money is working for you.” “Nobody ever regretted having money saved for what matters most.” Takeaway: A budget is about clarity, not restriction. Whether you’re prepping for retirement, navigating a life change, or simply want to know where your money is going, this episode will inspire you to get organized and live your best life—financially and otherwise. 4 Ways To Connect With Us: 1️⃣ FREE CALL: Book your FREE 20-Minute Financial Coaching Call now! Get personalized advice and start your financial journey ➡︎ https://www.budgetbesties.com/freecall 2️⃣ FACEBOOK: Become part of our Supportive Facebook Group. Connect, share, and learn with others mastering their budget skills ➡︎ https://www.budgetbesties.com/facebook 3️⃣ BUDGET: Grab our Signature Budget Template! It's your key to organizing and optimizing your finances effectively ➡︎ https://budgetbesties.com/budget 4️⃣ COACHING: Ready to dive deep into your finances? Sign up for 1-on-1 or Group Financial Coaching. It’s the accountability and guidance you need to make real progress ➡︎ https://budgetbesties.com/coaching "I love Shana & Vanessa and this podcast is amazing!" 👈🏻 If that sounds like you, please consider rating and reviewing our show! It helps us to reach more people – just like you – to help them change their financial future. Don’t forget to follow the show so you don’t miss any episodes! And, if you’re feeling really generous, we’d be SO honored if you would share this podcast with someone. Click here to view our privacy policy. This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase!…
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Financial Coaching for Women: How To Budget, Manage Money, Pay Off Debt, Save Money, Paycheck Plans
1 356 | Simplifying Your Money with the Budget Besties: Take Control of Your Finances in 2025 44:40
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44:40Hey, Budget Besties! 👋 This week, we’re replaying one of our favorite interviews with AJ Vaden from the Influential Personal Brand Podcast. This conversation is filled with laughs, real talk, and actionable advice to help you take control of your money in 2025! 💰 If you’ve ever wondered why you’re making good money but still feel like you’re living paycheck to paycheck—or if the word “budget” makes you cringe—this episode is for you. We break down: Why most people feel stuck financially (hint: it’s not just about income!) The emotional baggage of money and how to break free from it 🧠💸 Our proven system for separating your accounts to avoid mental math and financial stress. How to make a budget that actually works and supports your goals! Why financial clarity gives you freedom, not restrictions. This episode is packed with real-life stories, a little humor (hello, roach rescue story 🪳😂), and encouragement to help you reframe the way you see your money. What You’ll Learn: The Mistakes Holding You Back: Why having one checking account is a recipe for confusion. The Power of a System: How separating bills, spending, and savings can simplify your finances. How to Build Your Budget: Our simple, four-column budget system that keeps your money organized and clear. Overcoming Money Shame: How to stop sweeping your finances under the rug and take ownership. Key Quotes from the Episode: “You’re most powerfully positioned to serve the person you once were.” “Nobody becomes a millionaire by accident—it’s intentional.” “Budgets aren’t restrictive; they’re freeing. They let you spend and save for what matters most.” “Money isn’t bad—it’s a tool. Let’s take control of it so it doesn’t control us.” Takeaway: This conversation is your permission slip to ditch the shame around money and start fresh. Let’s simplify your finances, stop living paycheck to paycheck, and build the life you’ve been dreaming of—on your terms!…
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Financial Coaching for Women: How To Budget, Manage Money, Pay Off Debt, Save Money, Paycheck Plans
1 355 | Why You Should Break Up With Your Credit Cards 24:46
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24:46Snag Our Simplified Budget System! Budget besties, today we’re tackling the icky but oh-so-important topic of credit cards! We know breaking up is hard to do, especially when it comes to something you might feel fiercely loyal to. But trust us—your future self will thank you for taking control of your finances. We’re breaking down: Why credit cards are like a toxic relationship 👎 How they encourage overspending and emotional buys 💸 The real cost of interest rates and revolving debt 📈 Why financial freedom starts with cutting the card cord ✂️ And don’t worry—we’re not just leaving you hanging. We’re sharing the 4 actionable steps to break up with your credit cards for good, plus the benefits you’ll gain, like reduced stress, simpler finances, and the joy of being your own bank. This episode will have you feeling empowered and ready to ditch debt, declutter your budget, and finally put yourself in control of your money. What You’ll Learn: The Illusion of Free Money: Why credit cards aren’t the financial “tool” you think they are. How to Simplify Your Finances: A credit-free life makes budgeting (and living) so much easier. The Emotional Side of Debt: How carrying a balance is impacting your mental and financial health. Step-by-Step Plan: Practical advice to stop using debt, set up emergency funds, and finally cancel those cards. 4 Ways To Connect With Us: 1️⃣ FREE CALL : Book your FREE 20-Minute Financial Coaching Call now! Get personalized advice and start your financial journey ➡︎ https://www.budgetbesties.com/freecall 2️⃣ FACEBOOK : Become part of our Supportive Facebook Group. Connect, share, and learn with others mastering their budget skills ➡︎ https://www.budgetbesties.com/facebook 3️⃣ BUDGET : Grab our Signature Budget Template! It's your key to organizing and optimizing your finances effectively ➡︎ https://budgetbesties.com/budget 4️⃣ COACHING : Ready to dive deep into your finances? Sign up for 1-on-1 or Group Financial Coaching. It’s the accountability and guidance you need to make real progress ➡︎ https://budgetbesties.com/coaching "I love Shana & Vanessa and this podcast is amazing!" 👈🏻 If that sounds like you, please consider rating and reviewing our show! It helps us to reach more people – just like you – to help them change their financial future. Don’t forget to follow the show so you don’t miss any episodes! And, if you’re feeling really generous, we’d be SO honored if you would share this podcast with someone. Click here to view our privacy policy. This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase!…
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Financial Coaching for Women: How To Budget, Manage Money, Pay Off Debt, Save Money, Paycheck Plans
1 354 | 10 Ways to Save Money Through Organization with Tracy Hoth 34:07
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34:07Snag Our Simplified Budget System! Hey, budget besties! 💸✨ This week, we sat down with our friend and organization pro Tracy Hoth from The Organized Coach Podcast . Tracy broke down how getting organized can actually save you money—think fewer duplicate purchases, smarter meal planning, and no more random spending. She even shared her go-to method for tackling any mess (hint: it’s all about quick wins and big impact). Want more tips? Check out Tracy’s website at simplysquaredaway.com and listen to her podcast on Apple Podcasts . 4 Ways To Connect With Us: 1️⃣ FREE CALL : Book your FREE 20-Minute Financial Coaching Call now! Get personalized advice and start your financial journey ➡︎ https://www.budgetbesties.com/freecall 2️⃣ FACEBOOK : Become part of our Supportive Facebook Group. Connect, share, and learn with others mastering their budget skills ➡︎ https://www.budgetbesties.com/facebook 3️⃣ BUDGET : Grab our Signature Budget Template! It's your key to organizing and optimizing your finances effectively ➡︎ https://budgetbesties.com/budget 4️⃣ COACHING : Ready to dive deep into your finances? Sign up for 1-on-1 or Group Financial Coaching. It’s the accountability and guidance you need to make real progress ➡︎ https://budgetbesties.com/coaching "I love Shana & Vanessa and this podcast is amazing!" 👈🏻 If that sounds like you, please consider rating and reviewing our show! It helps us to reach more people – just like you – to help them change their financial future. Don’t forget to follow the show so you don’t miss any episodes! And, if you’re feeling really generous, we’d be SO honored if you would share this podcast with someone. Click here to view our privacy policy. This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase!…
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Financial Coaching for Women: How To Budget, Manage Money, Pay Off Debt, Save Money, Paycheck Plans
1 353 | No Shame, Just Solutions: Practical Budget Tips for Women 50:12
50:12
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50:12Snag Our Simplified Budget System! We’re excited to reair this heartfelt and hilarious conversation with our friend and client Michelle, host of the Consider Jesus Podcast ! 💕 In this episode, originally shared on Consider Jesus , we talk about how to take control of your finances with practical systems and a whole lot of grace. From why budgeting doesn’t have to feel overwhelming to how God works in our finances, this episode is packed with encouragement, wisdom, and a few good laughs. If you’ve ever felt like managing money is impossible, this conversation will remind you that you’re not alone—and that it is possible to turn things around. What You’ll Learn: Why most budgets fail and how a budget system makes all the difference. Michelle’s journey from financial chaos to clarity—and how she’s finding freedom through coaching. How to manage money in a way that honors God and brings peace to your family. Practical steps to simplify your finances without sacrificing the things you love. Don’t Miss: Michelle’s laugh-out-loud story of how she “stalked” us to become her coaches! The power of financial coaching to shift your mindset and create lasting habits. Encouragement for women whose partners aren’t quite on board with a new financial plan. Listen to the Original Episode: This conversation first aired on the Consider Jesus Podcast . Listen to it here on Apple Podcasts . Resources Mentioned: Budget Besties’ Budget System – Use code MICHELLE for 10% off to start simplifying your finances today. Follow Michelle: Check out more episodes of Consider Jesus wherever you listen to podcasts, or follow her on Instagram @ConsiderJesusPodcast. 4 Ways To Connect With Us: 1️⃣ FREE CALL : Book your FREE 20-Minute Financial Coaching Call now! Get personalized advice and start your financial journey ➡︎ https://www.budgetbesties.com/freecall 2️⃣ FACEBOOK : Become part of our Supportive Facebook Group. Connect, share, and learn with others mastering their budget skills ➡︎ https://www.budgetbesties.com/facebook 3️⃣ BUDGET : Grab our Signature Budget Template! It's your key to organizing and optimizing your finances effectively ➡︎ https://budgetbesties.com/budget 4️⃣ COACHING : Ready to dive deep into your finances? Sign up for 1-on-1 or Group Financial Coaching. It’s the accountability and guidance you need to make real progress ➡︎ https://budgetbesties.com/coaching "I love Shana & Vanessa and this podcast is amazing!" 👈🏻 If that sounds like you, please consider rating and reviewing our show! It helps us to reach more people – just like you – to help them change their financial future. Don’t forget to follow the show so you don’t miss any episodes! And, if you’re feeling really generous, we’d be SO honored if you would share this podcast with someone. Click here to view our privacy policy. This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase!…
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Financial Coaching for Women: How To Budget, Manage Money, Pay Off Debt, Save Money, Paycheck Plans
1 352 | From Chaos to Clarity: How Separate Bank Accounts Transform Your Finances 15:28
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15:28Snag Our Simplified Budget System! Hey, budget besties! 🎙️ In today’s episode, we’re diving into a topic that’s about to transform your financial life: the magic of multiple bank accounts! ✨ If you’ve ever felt overwhelmed managing all your expenses, unsure about where your money is going, or tired of doing mental math at the grocery store checkout, this is the episode for you. 🙌 What We Covered: Why Multiple Accounts? Think of it as the modern version of grandma’s cash envelopes—except digital, automated, and gorgeous . Each account is like a file folder, giving your money a clear purpose. How to Set It Up: Bills Account : Your main checking account becomes your bills hub—income in, bills and debt payments out. Spending Account : A separate checking account funded on payday for gas, groceries, and day-to-day spending. Swipe without guilt! Savings Buckets : Set up savings accounts for specific goals—think travel, pets, Christmas, giving, and more. Automate funding and watch the magic happen. 💫 The Mental Math Miracle : With your spending and savings pre-organized, you’ll never stress about whether you can afford something. Know what’s covered and enjoy guilt-free spending. The Game-Changer: Family Fun Account : Whether it’s ice cream, mini-golf, or dining out, having a family fun fund simplifies shared expenses and keeps everyone happy. Your Money, Making You Money : Leverage high-yield savings accounts and let your money work for you while you save for big goals. Listener Wins! We celebrated a client who started saving $2,400 a month into her savings buckets—something she never thought possible! 🎉 Key Takeaways: Give your money a job with separate accounts. Automate transfers to make saving and spending easy. Enjoy the clarity and peace of mind that comes with knowing exactly where your money is. 4 Ways To Connect With Us: 1️⃣ FREE CALL : Book your FREE 20-Minute Financial Coaching Call now! Get personalized advice and start your financial journey ➡︎ https://www.budgetbesties.com/freecall 2️⃣ FACEBOOK : Become part of our Supportive Facebook Group. Connect, share, and learn with others mastering their budget skills ➡︎ https://www.budgetbesties.com/facebook 3️⃣ BUDGET : Grab our Signature Budget Template! It's your key to organizing and optimizing your finances effectively ➡︎ https://budgetbesties.com/budget 4️⃣ COACHING : Ready to dive deep into your finances? Sign up for 1-on-1 or Group Financial Coaching. It’s the accountability and guidance you need to make real progress ➡︎ https://budgetbesties.com/coaching "I love Shana & Vanessa and this podcast is amazing!" 👈🏻 If that sounds like you, please consider rating and reviewing our show! It helps us to reach more people – just like you – to help them change their financial future. Don’t forget to follow the show so you don’t miss any episodes! And, if you’re feeling really generous, we’d be SO honored if you would share this podcast with someone. Click here to view our privacy policy. This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase!…
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Financial Coaching for Women: How To Budget, Manage Money, Pay Off Debt, Save Money, Paycheck Plans
1 351 | Bootcamp Day 5: Set It and Forget It: How To Automate Your Budget 58:09
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58:09Snag Our Simplified Budget System! In this episode, Shana and Vanessa take you step by step through building a simplified, automated budgeting system to help you manage your money confidently and stress-free. If you've ever wondered how to stop living paycheck to paycheck, conquer financial overwhelm, or finally make your money work for you, this is the guide you've been waiting for. What We Covered: Why Budgeting Feels Overwhelming: The common mistakes people make and why traditional systems often don’t work. Setting Up a Budget that Works for You: How to create a one-page budget that covers income, bills, spending, and savings in a way that feels manageable and effective. The Magic of Automation: Learn how to set up your bank accounts so that bills get paid, savings grow, and spending is guilt-free—all on autopilot! Overcoming Financial Mind Blocks: From money baggage to miscommunication, we address the mental hurdles and how to clear them. Practical Steps for Setting Up: From opening accounts to automating transfers, we break down the process to make it as easy as possible. Highlights: Why Automation Is a Game-Changer: Picture yourself stress-free, knowing all your bills are paid and your savings goals are on track. Real-Life Wins: Hear about clients who’ve transformed their finances, paid off tens of thousands in debt, and saved for their dreams. Budget Besties’ Simplified Budget System: Shana and Vanessa’s custom tool that’s not just a budget—it's a complete roadmap for your financial success. Tips for Managing Irregular Income: Whether it’s side hustles, Venmo payments, or fluctuating paychecks, we’ve got you covered. Takeaways for Your Financial Journey: It’s not about restriction; it’s about intention. Spend and save purposefully so your money reflects your values. Start where you are. Whether you're living paycheck to paycheck or managing multiple incomes, this system grows with you. Accountability builds confidence. Use automation to stay consistent without having to rely on willpower alone. Want More Support? Explore the Simplified Budget System, complete with 12 monthly budgets, a debt tracker, and savings planning tools. Lifetime access ensures you’re covered year after year. Budget Besties community with monthly coaching calls and access to live office hours. Snag Our Simplified Budget System!…
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Financial Coaching for Women: How To Budget, Manage Money, Pay Off Debt, Save Money, Paycheck Plans
1 350 | Bootcamp Day 4: Achieving Your Financial Goals for 2025: A Step-by-Step Guide 28:26
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28:26Snag Our Simplified Budget System! Hey, Budget Besties! 💸 This episode is all about tying your financial goals to your life dreams—because whether it’s traveling, paying off debt, or planning for retirement, money is at the heart of it all. 💡 Why Financial Goals Matter: Your goals—big or small—depend on financial clarity. 💡 3 Types of Goals: Short-Term (3–12 months): Emergency funds, paying off a credit card. Mid-Term (1–5 years): Saving for a house, paying off loans. Long-Term (5+ years): Retirement, generational wealth. 💡 Smarter Goals Framework: Make them Specific, Measurable, Achievable, Relevant, Time-Bound, Exciting, and Risky. 💡 Breaking It Down: Turn big numbers into monthly or weekly steps to make them manageable. Today’s Homework: Write down 3 financial goals (short, mid, and long-term) using the Smarter Goals Framework. 4 Ways To Connect With Us: 1️⃣ FREE CALL : Book your FREE 20-Minute Financial Coaching Call now! Get personalized advice and start your financial journey ➡︎ https://www.budgetbesties.com/freecall 2️⃣ FACEBOOK : Become part of our Supportive Facebook Group. Connect, share, and learn with others mastering their budget skills ➡︎ https://www.budgetbesties.com/facebook 3️⃣ BUDGET : Grab our Signature Budget Template! It's your key to organizing and optimizing your finances effectively ➡︎ https://budgetbesties.com/budget 4️⃣ COACHING : Ready to dive deep into your finances? Sign up for 1-on-1 or Group Financial Coaching. It’s the accountability and guidance you need to make real progress ➡︎ https://budgetbesties.com/coaching "I love Shana & Vanessa and this podcast is amazing!" 👈🏻 If that sounds like you, please consider rating and reviewing our show! It helps us to reach more people – just like you – to help them change their financial future. Don’t forget to follow the show so you don’t miss any episodes! And, if you’re feeling really generous, we’d be SO honored if you would share this podcast with someone. Click here to view our privacy policy. This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase!…
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Financial Coaching for Women: How To Budget, Manage Money, Pay Off Debt, Save Money, Paycheck Plans
1 349 | Bootcamp Day 3: Why You're Still Living Paycheck to Paycheck (and How to Stop) 35:12
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35:12Hey, Budget Besties! In today’s episode, we’re getting real about that all-too-common struggle: living paycheck-to-paycheck—even when you technically make enough money not to. If you’re raising your hand (yes, we see you!), this episode is for you. We’re unpacking the mindset, habits, and tools you need to ditch that feast-or-famine rollercoaster and set up a system that lets your money work for you. And guess what? This episode is available on YouTube , and it’s a great one to watch because we’re sharing lots of visuals, including how to create a simple, pretty budget (yes, Aaron, it’s pink and teal!). Head over to our YouTube channel to check it out and see the budget magic in action. What We Covered : Think Monthly, Not Paycheckly Why we love made-up words like “paycheckly” (you’re welcome). How to stop planning your life around every paycheck and start thinking in terms of your whole month. The power of a simple, bird’s-eye-view budget that shows you everything at once. Automate Your Bills Account The key to making sure your bills get paid on time without you stressing about them. How to set up a dedicated “bills only” account that works like a fortress for your finances. Fund Spending Consistently Why consistent funding for groceries, gas, and personal spending is a game-changer. How automating your spending accounts can stop you from robbing your piggy bank—or couch cushions. Advanced Tips to Level Up Building a buffer to smooth out those lumpy months. Automating savings for annual expenses like HOAs, insurance, and yes, even bougie boat fees. Living within your spending accounts—because freedom comes from boundaries, not chaos. Listener Homework : Set up your bills account and automate at least one transfer. Bonus points: Start shopping your pantry or brainstorming ways to build a buffer this month. Key Stats : 78% of Americans live paycheck-to-paycheck. But how many need to? You don’t have to guess. A paycheck plan can show you exactly where your money should go. Budget Bestie Wisdom : “Managing money isn’t about restriction—it’s about intention. A budget is just your plan for living the life you want, without the stress of wondering if the bills are covered.” Tune In Next Time : Tomorrow, we’re diving into 2025 financial goal setting! Bring your dreams—big or small—and let’s turn them into actionable, budget-friendly plans. Connect With Us : Have questions or want to share your homework? Email us at hello@budgetbesties.com . 🎉…
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Financial Coaching for Women: How To Budget, Manage Money, Pay Off Debt, Save Money, Paycheck Plans
Hey, Budget Besties! 🎉 Today, we’re diving into the deep end of money baggage. Yes, the beliefs, habits, and emotions about money that we’ve carried with us, often since childhood. These sneaky little patterns shape how we spend, save, and manage our finances as adults—and they’re often hiding in plain sight. In this episode, we’re sharing personal stories (hello, serendipitous YMCA moments and life-changing trips to Portugal), breaking down common types of money baggage (scarcity spending, fear of spending, and cultural/family pressures), and giving you actionable steps to start unpacking it. Because guess what? It’s 2025, and we’re not letting the past dictate our financial future. 💪 What You’ll Learn in This Episode: What is Money Baggage? It’s the emotional and behavioral patterns tied to your financial life—formed from past experiences. Recognizing these patterns is step one in rewriting your money story. Our Personal Stories: Shana shares how her childhood “just don’t ask” money mentality shaped her marriage, and Vanessa reflects on how her parents’ financial struggles inspired her debt-free journey. Common Types of Money Baggage: Scarcity Spending: Spending as soon as you get money because you’re used to having none. Fear of Spending: Holding onto money because you grew up hearing, “We can’t afford it.” Cultural/Family Pressures: Feeling the need to mimic (or rebel against) family money habits. Steps to Unpack Your Money Baggage: Recognize It: Write it down, say it out loud, or journal about the money patterns holding you back. Talk It Out: Have open, honest conversations—whether with a partner, a friend, or even yourself. Decide What’s Next: Create a vision for how you want to handle money and take actionable steps toward it. Listener Takeaways: “You get to decide how your story continues from this point on. Let’s make 2025 the year we ditch the baggage and create financial peace.” Homework: 📝 Download our free Money Baggage Worksheet to dig deeper into your own financial patterns. It’s a tool to help you identify limiting beliefs and map out a path forward. Link in the episode description! Quotes to Remember: "Our money habits aren’t random—they’re a cycle. And you can choose to break it." "Money isn’t his, hers, or theirs. It’s ours. It’s about teamwork." "We want your budget to be steady—not a rollercoaster of feast or famine."…
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