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Contenuto fornito da Vanessa and Shana | Budget Besties | Bougie On A Budget | Dave Ramsey Fans and Shana | Budget Besties | Bougie On A Budget | Dave Ramsey Fans. Tutti i contenuti dei podcast, inclusi episodi, grafica e descrizioni dei podcast, vengono caricati e forniti direttamente da Vanessa and Shana | Budget Besties | Bougie On A Budget | Dave Ramsey Fans and Shana | Budget Besties | Bougie On A Budget | Dave Ramsey Fans o dal partner della piattaforma podcast. Se ritieni che qualcuno stia utilizzando la tua opera protetta da copyright senza la tua autorizzazione, puoi seguire la procedura descritta qui https://it.player.fm/legal.
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Financial Coaching for Women: How To Budget, Manage Money, Pay Off Debt, Save Money, Paycheck Plans
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340 | Do You Make Good Money but Still Feel Broke? Here's How to Change That.
Manage episode 454946074 series 3552580
Contenuto fornito da Vanessa and Shana | Budget Besties | Bougie On A Budget | Dave Ramsey Fans and Shana | Budget Besties | Bougie On A Budget | Dave Ramsey Fans. Tutti i contenuti dei podcast, inclusi episodi, grafica e descrizioni dei podcast, vengono caricati e forniti direttamente da Vanessa and Shana | Budget Besties | Bougie On A Budget | Dave Ramsey Fans and Shana | Budget Besties | Bougie On A Budget | Dave Ramsey Fans o dal partner della piattaforma podcast. Se ritieni che qualcuno stia utilizzando la tua opera protetta da copyright senza la tua autorizzazione, puoi seguire la procedura descritta qui https://it.player.fm/legal.
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373 episodi
340 | Do You Make Good Money but Still Feel Broke? Here's How to Change That.
Financial Coaching for Women: How To Budget, Manage Money, Pay Off Debt, Save Money, Paycheck Plans
Manage episode 454946074 series 3552580
Contenuto fornito da Vanessa and Shana | Budget Besties | Bougie On A Budget | Dave Ramsey Fans and Shana | Budget Besties | Bougie On A Budget | Dave Ramsey Fans. Tutti i contenuti dei podcast, inclusi episodi, grafica e descrizioni dei podcast, vengono caricati e forniti direttamente da Vanessa and Shana | Budget Besties | Bougie On A Budget | Dave Ramsey Fans and Shana | Budget Besties | Bougie On A Budget | Dave Ramsey Fans o dal partner della piattaforma podcast. Se ritieni che qualcuno stia utilizzando la tua opera protetta da copyright senza la tua autorizzazione, puoi seguire la procedura descritta qui https://it.player.fm/legal.
…
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373 episodi
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×Snag Our Simplified Budget System! Hey, Budget Besties! 💸✨ Ready to talk about the part of budgeting that actually impacts your daily life? We’re diving into spending —how to set up a plan that gives you freedom, confidence, and guilt-free swiping. 🎉 This episode is all about: ✅ Making a plan for your spending (instead of letting your bank account decide for you) ✅ Why budgeting isn’t restrictive—it’s about permission to enjoy your money ✅ How to organize your spending accounts so you never wonder, "Can I afford this?" 🚨 You don’t know exactly how much money you have to spend 🚨 You’re constantly transferring money between accounts (or swiping a credit card) 🚨 You’re left guessing if your bills will clear before payday 🚨 You feel guilty after shopping or eating out ( hello, money regret! ) Sound familiar? You’re not alone. But we’ve got the fix. ⬇️ Step 1: Identify Your Spending Categories 💰 Gas & Groceries ( The essentials—where you spend every week! ) 💰 Personal Spending ( Your judgment-free fun money—yes, Starbucks included! ) 💰 Entertainment/Family Fun ( Restaurants, movie nights, zoo trips—this keeps fun in the budget! ) 💰 Kids ( For all the little surprise expenses—school parties, field trips, activities, etc. ) 💰 This Month’s Expenses ( One-time things like haircuts, gifts, or unexpected doctor visits! ) 👉 Pro Tip: If something happens every month, it’s spending. If it happens only a few times a year, it goes into savings buckets ( which we’ll talk about next episode! ). Step 2: Set a Budget for Each Category Go back 90 days and look at your actual spending. No made-up "I’ll only spend $100 on food" goals. Set realistic numbers based on real spending habits. Step 3: Decide—Cash or Debit? 💳 Use debit cards if you prefer digital tracking (a.k.a. digital cash envelopes) 💵 Use cash if you struggle with overspending and need the hard limit 🛑 No more credit cards! ( We’re done with that cycle. ) Step 4: Open Dedicated Spending Accounts 🎯 Each category gets its own checking account (or a labeled cash envelope) 🎯 Name your accounts for fun! (“Feed the Horde” for groceries, anyone? 😂) 🎯 Delete your bills account from spending platforms ( No more accidental Target runs on your mortgage money! ) Step 5: Automate Your Transfers & Spend With Confidence 💰 On payday, automatically send your budgeted amount into each spending account 💰 Only spend from the correct account (NO MORE transferring money back & forth!) 💰 Enjoy spending—without guilt! 🎉 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!…
Snag Our Simplified Budget System! Hey, Budget Besties! 👋 Tired of second-guessing if your bills are covered while standing in the checkout line? We get it. That’s why today, we’re talking about the single most important part of your budget —your Bills Account ! This system is about simplicity, clarity, and making sure your bills get paid automatically without stress, mental math, or NSF fees (ugh). Let’s get into it! 💰 No more bill panic —you always have enough money to cover them 🛑 Stop the overdraft fees —your account is never drained to zero 🧼 Declutter your bank transactions —bills in one place, spending in another 💡 Never think about due dates again —set it and forget it with automation 1️⃣ Pick an account – Use your current checking account or open a new one just for bills 2️⃣ Fund it with a buffer – Start with at least half a month’s worth of bills to prevent cash flow chaos 3️⃣ Direct all income here – Your paychecks, side hustle money, everything goes into this account 4️⃣ Automate your bill payments – ACH payments = no missed due dates & fewer fees 5️⃣ Delete it from spending platforms – Remove your bills account from Amazon, PayPal, Venmo, etc. No more accidental Target splurges on your mortgage money! 🎯 Once it’s set up, your only job is to supervise. That’s it. Bills paid, stress gone. 🚗 You’re on vacation—bills are being paid automatically ( no worries about late payments! ) 📲 You check your bank app—clean, organized transactions ( no more scrolling through chaos! ) 🛍️ You’re at the store—you KNOW how much you have to spend ( no guessing at checkout! ) This is the financial clarity you deserve, bestie. 💖 📩 Tell us when your Bills Account is set up! Drop us an email at hello@budgetbesties.com or come chat in our Facebook group. We love cheering you on! 🎉 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!…
Snag Our Simplified Budget System! Hey, Budget Besties! 👋 Ready to ditch debt without giving up your Starbucks, date nights, or vacations? We’re here to show you how to pay off debt in a way that actually works —without feeling like you’re in financial prison. 🥳 💰 Your money should be funding your future, not paying for your past 🚗 You get to be your own bank —no more borrowing for big expenses ✈️ Vacations (paid in cash!) feel way better than ones that follow you home on a credit card bill 🛍️ You can still enjoy your lifestyle while paying off debt—it just takes a plan! 1️⃣ Set up your budget – Use our 5-category simple budget system to see exactly what you’re working with 2️⃣ Ditch the credit cards – Cut them up, remove them from your accounts, goodbye temptation! ✂️ 3️⃣ List your debts – From smallest to largest, or by highest interest—whatever makes the most sense for your situation 4️⃣ Make payments on payday – No more waiting ‘til the end of the month (because that money will disappear, trust us) 5️⃣ Celebrate your wins! – Starbucks, a fancy dinner, or upping your personal spending— reward yourself when you hit milestones 🎉 ✔️ Snowball Method – Pay off smallest debts first to build momentum ✔️ Avalanche Method – Pay off high-interest debts first to save the most $$ ✔️ Minimum Payment Method – Focus on paying off debts with the highest monthly payments to free up cash faster 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!…
Snag Our Simplified Budget System! Hey, Budget Besties! 👋 Let’s talk about what happens when you don’t have a budget. Spoiler alert: It’s not pretty. 😬 We’ve got real-life stories (some cringe worthy) about what can go wrong when you’re just swiping your card and hoping for the best. What Happens Without a Budget? 🚗 Paying for a car you don’t even own anymore (oops) 🍔 Spending way more on eating out than you realized 📺 Paying for multiple subscriptions (because who needs two Netflix accounts?!) 💳 Constantly feeling like your money “disappears” If this sounds a little too familiar, don’t worry—we’ve got you! 🙌 Signs You’re Budgeting Wrong: ❌ You check your bank account to see if you can afford something ❌ You “ballpark” your monthly expenses (and then wonder where your money went) ❌ You’re transferring money from savings just to make it to payday ❌ You’re tracking everything after it happens instead of having a plan The Solution: A One-Page, Simple Budget We break it all down into 5 easy categories : 1️⃣ Income – What’s coming in? List it all! 💰 2️⃣ Debts – The real number you’re paying each month 3️⃣ Bills – Anything with a due date goes here 📆 4️⃣ Spending – Gas, groceries, pocket money, & everyday expenses 5️⃣ Savings – Christmas, travel, car repairs... planned ahead so you don’t stress later 🎯 Pro Tip: Do a 90-Day Money Audit Go back through your last 3 months of transactions and see where your money actually went. No shame, just data without the drama —so you can make a plan that works! Budgeting doesn’t have to be boring or restrictive. It’s about telling your money what to do—so you can be bougie on purpose . 💃 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!…
Sign up for the FREE Profitable Podcast Bootcamp We’re pulling back the curtain today and giving you the real behind-the-scenes story of our podcast journey—how we went from sporadically recording episodes that no one listened to … to building a top-ranked podcast that drives our entire business. And, besties, it’s all because of Stef Gass and Podcast to Profit. We were totally lost before we found her. We had been podcasting for two years with no real strategy —just throwing out episodes when we had five extra minutes (which, let’s be honest, wasn’t often). Our business felt stagnant , and we were desperate for a system that actually worked. That’s when we found Stef and her system —and WOW. Within six months of implementing what she taught us, we: ✅ Went from 4,600 downloads → over 540,000 ✅ Increased our monthly revenue from $6K → $20K ✅ Built a course that’s now brought in $45K+ in passive income ✅ Grew our email list from 160 → 2,122 subscribers ✅ Jumped from unranked to a Top 1% podcast And the best part? It’s all still working. Two years after we first began working with her, we'll hit 1,000,000 plays! Now, we’re telling you this because you can learn from Stef for FREE. 🎉 She’s hosting a 5-day Profitable Podcast Bootcamp where she’s giving away her best strategies for growing a podcast, getting clients, and making passive income—without social media burnout. This bootcamp is THE place to start if you’ve been thinking about launching or growing a podcast. Plus, she’s giving away $10,000 in scholarships! 📅 Join us LIVE February 24-28 at 11 AM MST. Sign up here → https://stefaniegass.com/bootcampbudgetbesties We’ll be in the chat, and we cannot wait to see you there! 📩 Links & Resources Sign up for the FREE Profitable Podcast Bootcamp Connect with us on Instagram → @BudgetBesties Check out our coaching & resources → budgetbesties.com…
Snag Our Simplified Budget System! Budget besties, you are in for a treat! Today, we’re bringing on our actual good friend, the wise, wonderful, and always inspiring Julia Meyers to talk about Generational Wisdom —because let’s be real, passing down money means nothing if we’re not passing down the knowledge to manage it. Julia is an accomplished healthcare leader, mom of five (yes, FIVE!), and a recovering perfectionist. She’s been recognized nationally for her work in medication access, but her true passion? Helping families build financial confidence and break the cycle of lost generational wealth. We’re unpacking: 💡 Why generational wealth isn’t the right term (and what to focus on instead) 🧠 The shocking stats on why most inherited money disappears (yikes!) 🗣 How to start real, impactful money convos with your kids 🛠 Practical ways to build financial confidence in the next generation 📊 The Generational Wisdom Discernment Quadrant (this is a game-changer, y’all) And because Julia is the best, she’s sharing a FREE resource with you: a two-week mini course with conversation starters to help you talk money with your kids (in a way that won’t make them roll their eyes). Grab it at JuliaMeyers.com/talk. If you’ve ever worried about raising entitled kids or wondered how to truly prepare them for financial independence—this episode is for you! 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!…
Snag Our Simplified Budget System! Hey Besties! 👋 We’re bringing back one of our favorite conversations with our friend Anna from It’s Time to Simplify! If you’ve ever felt like budgeting is overwhelming , this episode is for you. We’re diving into simple, practical ways to take control of your finances without spending hours at the kitchen table with a calculator (because who has time for that?). ✅ How we built a business around our real schedules (aka: kids, sports, and Uber Mom life 🚗) ✅ Why separating your bank accounts can make budgeting SO much easier ✅ The personal finance version of Profit First (and why it works for entrepreneurs & 9-to-5ers alike!) ✅ Why you DON’T need to track every expense if you set up your finances the right way ✅ One simple step you can take this week to start simplifying your money 💰 Spoiler Alert: The key to stress-free budgeting is automation + separate spending accounts . Sounds too easy? Trust us—it’s a game changer! 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!…
Snag Our Simplified Budget System! Budget besties, do you ever feel like budgeting takes forever? Like, who has time for that when life is already a whirlwind? Well, good news: we've got five quick and fun budget fixes you can do in just five minutes—because who doesn’t love a quick win? 💃 Sometimes, making small changes adds up big time . So, whether you're waiting in car line, chilling on your lunch break, or standing in line for coffee, you can start making smarter money moves right now ! 1️⃣ Rename Your Bank Accounts – A little name change can make a big difference. "Emily’s Wedding 2026" hits different when you think about using it for takeout, right? Create fun, clear labels to keep your savings on track. 2️⃣ Delete Saved Credit Cards – If you have to get up off the couch to grab your card, are you really still buying it? Add friction to impulse spending by removing saved payment methods from Amazon, Venmo, and anywhere else that tempts you. 3️⃣ Hide Your Savings Accounts – Out of sight, out of mind! If you’re not seeing your savings every time you log into your bank app, you’re less likely to think of it as extra spending money. 4️⃣ Use Notes on Transfers – This is a game changer! Add a note every time you transfer money so you remember exactly what it was for. Future you will thank you. 🙌 5️⃣ Delete Shopping Apps – Amazon, Target, Lululemon, PayPal… if it’s on your phone, it’s too easy to spend. Take them off your home screen and make yourself be more intentional with purchases. 💡 Bonus Tip: If you have your debit card number memorized ( we see you! ), get a new card so you can un-memorize it. You’re welcome. 😆 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!…
Snag Our Simplified Budget System! Budget besties, we’ve got a real treat for you today! Our guest, Mary Ellen, is a teacher, a mom of three boys, and a dedicated budgeter who’s so close to getting a paycheck ahead—but just needed a little guidance to connect the dots. If you've ever felt like your money disappears before you even decide what to do with it, this episode is for you! We break down exactly how to structure your budget when you’re dealing with multiple pay schedules, how to stop feeling like you’re playing financial catch-up, and the simple mindset shift that will help you take control of your cash flow. Plus, we tackle what to do with inconsistent income (hello, commission-based pay!) and how to make sure those extra dollars actually move the needle toward your goals. By the end of this convo, Mary Ellen has a solid plan to not only get a paycheck ahead but also start saving with intention and tackling debt with a clear strategy. And guess what? You can, too! 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!…
Sign Up For Coaching! 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!…
Snag 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!…
Snag 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!…
Snag 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!…
Snag 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!…
Snag 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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