Financial Coaching for Women: How To Budget, Manage Money, Pay Off Debt, Save Money, Paycheck Plans (Vanessa and Shana | Budget Besties | Bougie On A Budget | Dave Ramsey Fans)

⁠Book a free 20 minute financial coaching session with us!

Have you ever battled an addiction with your phone, social media or alcohol?

Have you ever tried at a business and failed?

Have little things with your child culminated into a big thing?

Have you been stuck just feeling stuck and discontent?

Sometimes we think these things are just us "failing at life." Today we're going to talk to you about how they may be evidence of spiritual warfare. These strongholds in your life can trap you and keep you from living our your full purpose. 

Today we are honored to have Stefanie Gass on our show to talk to you about how to walk through spiritual battles in your life. In this episode we cover:

• How to recognize a spiritual attack
• What your discernment alarm is and how to use it
• Where you're most vulnerable to attack
• Why you you may be stuck sitting in the same trial and haven't overcome it yet
• Why you must NAME the attack
• How to call on God & let Him fight for you
• How to equip yourself to fight 
• Why your battles don't end with prayer
• How to receive victory

Get the 7-STEP SPIRITUAL BATTLE PLAN here: www.stefaniegass.com/battleplan

Stefanie Gass is a CEO, wife, boy mom, coffee lover, and #pjsallday enthusiast! Stef helps women get clear on their niche, start a podcast, and grow a successful online business, God's way. 

She is the host of a top .5% globally ranked podcast for Christian Entrepreneurs, The Stefanie Gass Show. 

Stef believes it's possible to partner with God to create impact and income without sacrificing or buying into social media hustle.

Connect w/ Stef: www.thestefaniegasshow.com

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 episode is a treat! 🎉 We’re chatting with Brianna, a 26-year-old newlywed, new homeowner, and future RN! She’s ready to tackle her finances and shared her story about how she’s learning to manage her budget and stay on track. You won’t want to miss this one if you’re juggling big life changes and want some practical budgeting advice.

• Brianna’s budgeting journey: She’s in the middle of big transitions—new home, new career, and now…new budget habits!
• The Target dilemma: How Brianna’s love for home decor was throwing her off track and what she can do to manage it while still enjoying her spending.
• No more Afterpay & Klarna: We dive into the tricky world of payment plans and how to stop using them for good!
• Making budgeting work: Learn how setting up separate spending and savings accounts (like Brianna’s Disney trip fund!) can bring peace of mind and financial control.
• Budget-friendly goals: The importance of knowing your “why” and setting clear goals to keep your spending on track and intentional.

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!  

⁠⁠⁠Book a free 20 minute financial coaching session with us!⁠⁠⁠⁠⁠⁠⁠ ⁠

Today, we're diving deep into the world of budgeting and answering a burning question: What is zero-based budgeting?

We received a great question from our Facebook group. Someone asked, "What is zero-based budgeting, and how do I do it?" This inspired us to break it down and make budgeting accessible to all.

📊 Setting the Stage with Our Budgeting Tool:

- We use an amazing budget spreadsheet, and you can get it too (with a discount code) if you're interested.

- It's designed to be user-friendly with clean fonts and clear sections.

💰 Step 1: Understanding Your Income:

- Start by inputting your income, the money you're bringing in.

- Every dollar is your soldier, and you're the commander.

🧾 Step 2: Debt Minimum Payments:

- Now, let's tackle your debts.

- Minimum payments are non-negotiable; you owe them.

- Subtract your minimum debt payments from your total income.

💡 Step 3: Budget Categories:

- Next up are your bills and expenses.

- These include essentials like utilities, groceries, subscriptions, and insurance.

- Subtract these from your remaining budget.

🍔 Step 4: Discretionary Spending:

- Here's where you decide what truly matters.

- Dining out, entertainment, pocket money – you choose how to spend.

- Allocate funds to these categories wisely.

💼 Step 5: Savings (or Extra Debt Payment):

- If your priority is paying off debt, allocate the remaining money to debt payments.

- In our example, we have some savings goals.

- Set aside money for planned expenses, like travel or gifts.

🔄 Step 6: Getting to Zero:

- The magic happens when you get to zero.

- Every dollar has a job, and the goal is to assign them all.

- If you have any money left, put it towards your financial goals.

💪 Step 7: Be the Supervisor of Your Dollars:

- Remember, you're in control.

- Make sure every dollar fulfills its job – no extra jobs allowed!

📅 Step 8: Pay Debt Strategically:

- When allocating money to debt, split it among your paychecks.

- Don't wait until the end of the month; act as soon as you get paid.

🔑 Conclusion:

- Zero-based budgeting is all about intention and control.

- Plan for everything, be intentional with every dollar, and watch your financial goals come to 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!  

⁠Book a free 20 minute financial coaching session with us!

Transitioning from working mom or working woman to stay-at-home-mom is hard for many reasons. We are talking today about why it’s hard, our experiences and also giving you a few tips to maybe make it better! 

In this episode we cover: 

✔️ The identity problems that surface 

✔️ What happens to your confidence when you make this transition 

✔️ The #1 problem you face as a SAHM even though you might be in denial 

✔️ The tedium and the endless hours 

✔️ Our #1 tip to make things better 

✔️ How to reframe your brain & rediscover yourself 

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 Signature Budget Template with Vanessa's coupon!

Welcome to a truly inspiring episode where we peel back the curtain on the transformative journey of Vanessa, co-host and co-founder of our dynamic financial coaching duo. Today, Vanessa shares her heartfelt story, turning her financial freedom dreams into reality and empowering women to take charge of their finances with confidence and clarity.

Episode Highlights:

- Vanessa's Leap from Teaching to Financial Coaching: Dive deep into Vanessa's journey as she transitions from the challenges of her teaching career into the fulfilling world of financial coaching. Discover how a moment of faith and a bold decision to live debt-free by 31 led her to her true calling. Vanessa's story is a powerful testament to the belief that when passion meets purpose, anything is achievable.

- First Client Jitters to Foundational Shifts: Remember the first time you did something that scared you? Vanessa takes us back to that nerve-wracking yet exhilarating moment when she landed her first client. This pivotal experience wasn't just a step; it was a leap into building a business founded on trust, support, and the shared vision of financial liberation.

- Zeroing In on Financial Coaching: In the world of coaching, finding your niche is gold. Vanessa and her partner, Shana, initially dabbled in various coaching domains but soon realized their hearts (and their clients' needs) were firmly rooted in financial coaching. This episode sheds light on the clarity and conviction it takes to find your lane and excel in it.

- Living Below Your Means with Purpose: Vanessa's financial philosophy isn't just about saving pennies; it's about creating a life of abundance by prioritizing what truly matters. She shares how living below your means doesn't mean sacrificing joy but rather planning for future happiness while savoring the present.

- A Day in Vanessa's Coaching Life: Get a behind-the-scenes look at Vanessa's coaching schedule, packed with transformative sessions that range from budget planning to celebrating those "aha" moments with clients. It's about instilling belief in her clients before they can see it for themselves, guiding them toward a brighter financial future.

Vanessa's journey from financial uncertainty to empowering coach is more than just motivational; it's a roadmap for anyone looking to redefine their relationship with money. Her story, coupled with the practical tools and strategies shared in this episode, is a beacon of hope and action for financial empowerment.

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!  

Snag Our Signature Budget Template!

Episode Summary: Budget besties, we just dug up some mind-blowing stats that underline why it’s so crucial to take control of your money. While these numbers are definitely eye-opening (not to say gut-wrenching), they confirm what we already knew—money stress is real, but it doesn’t have to be. We’re diving into the facts that highlight the importance of budgeting, planning, and taking action so your money can work for you, not the other way around.

Key Takeaways:

1. 72% of adults feel stressed about money. Sound familiar? This is why we always talk about creating systems that allow your money to work behind the scenes so you don’t have to stress over it.

2. 43.5 hours—that’s how long the average full-time worker spends at work each week. Add the chaos of family life, and it’s no wonder finding time for budgeting seems impossible. But hey, that’s why we’re here!

3. 54% of Americans live paycheck to paycheck, even those making $150K or more. It’s not about how much you earn; it’s about how you manage it.

4. 60% of Americans don’t have a budget. Shocker? Not to us. But here’s the thing: the 58% of people who do budget regularly feel more confident about their financial situation.

5. 68% of holiday expenses are charged to credit cards. Let’s break that cycle, besties! Imagine starting the new year without a single cent of holiday debt.

Why It Matters: These stats aren’t just numbers—they’re proof of why it’s so important to have a plan for your money. It’s not about depriving yourself but about making your money do what you want it to do. We’re all about creating systems that save you time, money, and stress, so you can actually enjoy the life you’re working so hard for.

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, if there was a drinking game for this podcast, the keyword would be... AUTOMATE! 🍾🥂

We say it ALL. THE. TIME. And for good reason—automation is the key to making your budget actually WORK.

Because let’s be real… you don’t need another budget, you need a budget SYSTEM. One that runs on autopilot so you can spend less time stressing over money and more time living your life.

This episode is all about:

✅ Why automation is the secret to financial success

✅ How to set up automatic bill payments, spending, and savings buckets

✅ How to ditch financial chaos and take back control of your money

If you’ve ever felt overwhelmed by budgeting, THIS is your episode! 🎧

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! 💛

Today we’re taking you on a money journey through every season of a woman’s life — from those first babysitting paychecks to living your best bougie grandma life. 🛍️👵🏽✨

Why? Because budgeting matters at every single stage. And when you know what to expect (and how to plan for it), you can build the confident, abundant life you deserve.

We’re diving into:

1. High school budgets (hello, Starbucks and hoodies 🧋🧥)

2. College survival (and how to NOT live off ramen and credit cards)

3. Young marriage and mom life (budgeting for date nights and diapers)

4. Bougie era budgeting (more income, bigger goals—and NO excuses)

5. Empty nesters and retirement (planning for those grandbaby snuggles and that dream trip to Italy 🇮🇹)

Throughout each era, we’re keeping it real about how your budget needs to shift, what habits you need to build (spoiler: savings buckets forever 🪣), and how to use your money with intention instead of living paycheck to paycheck (no matter how much you make!).

🧠 Lessons You’ll Learn:

1. How early budgeting habits create financial confidence for life

2. Why your college student must have a budget (and how to avoid drowning in debt)

3. How to combine finances in marriage without stress or confusion

4. Why high income doesn’t fix money problems — but budgeting does

5. How to step into your wealthy woman era and keep building that legacy

You're not behind, bestie. Whatever stage you're in—you've got time, you've got options, and you've got us 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!  

⁠Book a free 20 minute financial coaching session with us!⁠⁠⁠⁠⁠ ⁠

Our amazing clients took a big pay cut when they separated from the military. They went from a large income to a small income. Then, within a few years, they went from a small income to a large income. Guess what they learned?

• It doesn’t matter your income level, you need a budget.
• Most of the time it’s not an income problem, it’s a spending problem. 

No matter what you’re making, your habits will affect your budget and financial outcomes.

Shannon was hesitant to get financial coaching for two reasons:

• She’s a financial advisor! She shouldn’t need help.

• She’s strong, smart and independent. Surely she could do it herself!

Fortunately, she dove in and has now had so many successes after coaching:

• They paid off all credit card debt.

• They paid off their motorcycle debt.

• She lived beneath her means for two years so that she could save money, pay off debt and be able to move into a home at the right time.

• She’s now taking time for herself and allowing someone to help HER instead of it always being the other way around.

She’s learned:

• Taking time for herself is important, even if she doesn’t “have the time” or she “could” do it on her own.

• She doesn't need to do it all on her own, it’s okay to have help. 

• Paying off debt NOW, not at the end of the month is crucial

Shannon is now feeling hopeful about her financial situation. She can see the light at the end of the tunnel. She’s confident, disciplined and working the system. 

Shannon went from a large to a small income. Then she went from a small income to a large income. Her situation begs the question:

You can do a lot on your own. But how much more could you do if you had help? Someone in your corner?

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 Signature Budget Template⁠!

Tired of spending hours managing your finances? Wish you could automate the process to save time and money? Well, you're in luck! In this podcast, we'll show you how to automate your finances so that your money works for you, not the other way around. We'll cover everything from setting up a budget to automating your bills and investments. So whether you're a complete beginner or a seasoned financial expert, there's something for everyone in this episode.

Benefits of Automating Your Finances

There are many benefits to automating your finances. Here are just a few:

• Save time. No more logging into your bank account to pay bills or transfer money. Everything will be done automatically.
• Reduce stress. Worrying about your finances can take a toll on your mental health. Automating your finances can help you take a step back and relax.
• Increase your chances of success. When your finances are automated, you're more likely to stick to your budget and reach your financial goals.

How to Automate Your Finances

Automating your finances is easier than you think. Here are the steps you need to take:

1. Create a budget. This is the foundation for all your financial decisions, including automation.
2. Set up direct deposit. This will ensure that your paycheck is automatically deposited into your checking account.
3. Create separate accounts for bills, spending, and savings. This will help you keep your finances organized and make it easier to automate payments.
4. Set up recurring transfers. This will automatically transfer money from your checking account to your bills, spending, and savings accounts.
5. Invest your money. This is a great way to grow your wealth over the long term. You can automate your investments by setting up a regular contribution to a retirement account or investing in a robo-advisor.

Tips for Automating Your Finances

Here are a few additional tips to help you automate your finances successfully:

• Choose the right tools. There are many online tools and apps that can help you automate your finances. Research the different options and choose one that meets your needs.
• Start small. Don't try to automate everything at once. Start with one or two tasks and gradually add more as you get comfortable.
• Be flexible. Your financial situation may change over time. Be prepared to adjust your automation settings as needed.

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 tackle a common misconception among high earners: “I don’t need a budget because I make too much money!” Whether you’re rolling in bonuses or crushing it with a high income, we’re here to debunk that mindset and show you why leveling up your money management can change your life.

From rethinking the B-word (hint: budget!) to uncovering how intentional planning can unlock your financial potential, this episode is packed with insights for the bougie and budget-curious alike.

Success Should Match Your Money Management: You’ve leveled up your income, now it’s time to level up how you handle it. A solid budget system isn’t restrictive—it’s empowering.

Budgeting Is Exciting for High Earners: Imagine giving your money purpose, funding your goals and enjoying guilt-free spending. That’s what a system can do for you.

Bougie on a Budget: Even with a high income, money can disappear quickly without a plan. Being intentional means enjoying luxury and building wealth.

It’s Not About Sacrifice, It’s About Strategy: Budgeting for high earners isn’t about cutting back—it’s about optimizing what you already have to unlock bigger dreams.

💸 Key TakeawaysModel Good Money Habits: Your kids are watching how you handle money. Creating a plan teaches them lessons about financial success that go beyond hard work.

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 Signature Budget Template!⁠

In this episode, we highlight a range of our clients' success stories to inspire listeners on their financial journey. From clients on food stamps now planning cash-funded trips to Europe, to clients on a $5,000 budget efficiently funding their living and saving for home improvements, these financial victories show that budgeting and winning with money is possible for everyone! We also discuss the importance of having both partners involved in the financial planning process, the power of automation, and how to thrive on any income level by cultivating the right mindset. Lastly, we emphasize the value of investing in yourself and taking that step towards financial coaching - remember, whether it's much or little, it's how you use what you have that counts!

Key Points:

🔹 The story of a recently divorced woman who mastered budgeting and paid off her debt, all while funding a GLAM UP budget!

🔹Discover how a client transformed their approach to shopping, realizing the impact of their spending habits and making significant changes.

🔹 Insights into a business owner's journey to organize personal and business finances, shifting from credit dependence to cash-based budgeting.

🔹 The transformation of a client who saved thousands by re-quoting insurance and getting their business finances in order.

🔹 Learn how a couple, initially at odds with their spending habits, came together to create a unified financial strategy.

🔹 A deep dive into how shifting from credit card dependency to cash can revolutionize your financial perspective and success.

🔹 The story of a single mom's journey from food stamps to funding a European trip with her daughter.

🔹 How different income levels ($1,300 vs. $17,000 a month) can both find success through tailored financial coaching.

🔹 Exploring the power of automated savings and the impact of mindset in financial success.

Listen in and get inspired to make impactful changes in your financial life. Remember, it's not just about managing money; it's about empowering yourself for a better future.

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!

Book A Free Financial Coaching Call!

Hey, Budget Besties! 🌟 In this episode, we tackle the often overwhelming task of budgeting, especially for us busy working moms. We share practical tips and real-life stories to help you get started and stay on track with your budget without feeling stressed or guilty.

This episode is from a wonderful conversation we had with our friend Kerri Patt from the Mom Wife Career Life Podcast.

Key Takeaways:

• Schedule Your Budget Time: The first step is to schedule time for budgeting. It might feel like just one more thing on your to-do list, but setting up your budget now will save you time and stress later.

• Separate Accounts for Bills and Spending: Keep separate checking accounts for bills and spending. This way, you won't accidentally dip into bill money for everyday expenses.

• Include a Personal Spending Budget: Always allocate some money for yourself. It's crucial for your sanity and happiness. Having a set amount for personal spending ensures you won't feel guilty about treating yourself.

• Teach Your Kids Financial Responsibility: Involve your kids in budgeting. Create a budget for their expenses and let them manage it. This teaches them the value of money and decision-making.

• Track Your Spending: Do a 90-day review of your expenses to see where your money is going. Highlight and categorize your spending to get a clear picture.

• Avoid Financial Overwhelm: Simplify your budgeting process with our one-page budget template. Fill it out using your 90-day review and see what’s really possible with your money.

Fun Financial Tips:

• The Glam Up Fund: Budget for your self-care and personal pampering in an annual fund, then divide it monthly. This ensures you can enjoy your glam moments guilt-free.

• Use Cash for Kids: Give your kids cash for their expenses to help them understand the value of money. Swiping a card doesn’t have the same impact as handing over physical cash.

Listener Challenge:

Subscription Cleanup: Do a deep dive into your subscriptions. Cancel what you don't need or use. It’s a quick way to free up extra cash in your budget.

Inspirational Quote: "Do something today that's going to save you time tomorrow."

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!  

Learn More About Financial Coaching

In today's episode, we're diving deep into the reasons why so many people find themselves living paycheck to paycheck.

Reason 1: Focusing on Paychecks, Not the Monthly Picture

- 🤔 Many of us think in terms of individual paychecks, not the bigger monthly picture.

- 📅 Our expenses are monthly, so it makes sense to look at our income as a whole for the month.

- 💡 Creating consistency in your budget is key, especially for essential expenses like gas and groceries.

- 🔄 Stop assigning your paychecks to different jobs each time; consider the entire month's income instead.

- 🧐 When you see your entire monthly income, it might surprise you and reveal extra money you didn't notice before.

Reason 2: Spending Without a Plan

- 💳 Swipe, swipe, and hope there's enough in your bank account is not a plan.

- 📊 Without a spending plan, you're using your bank account balance to guide your spending, which can be chaotic.

- 😩 Don't let past failed attempts at budgeting discourage you; it takes time to get it right.

- 💪 Give yourself grace and remember that the third or fourth month is when you'll start to see real progress.

Reason 3: Waiting for the Perfect Moment

- ⏰ Waiting for everything to be perfect before you start budgeting is a common pitfall.

- ✨ The reality is, life is full of ups and downs, so start now and adapt as you go.

- 🌟 Overcoming challenges and busy times will make it easier when things align perfectly.

Reason 4: Lacking Big Goals

- 🌠 Without significant financial goals, budgeting can feel pointless.

- 💭 Your "why" is essential to resist impulse spending; focus on what you're working toward.

- 🏖️ Think about exciting goals like vacations, debt reduction, investments, or retirement.

Reason 5: Staying in Your Comfort Zone

- 😌 Comfort zones can limit your financial potential.

- 🌐 Explore what's possible beyond your current beliefs and boundaries.

- 👩‍🚀 Success starts at the end of your comfort zone; embrace challenges and growth.

Reason 6: Lifestyle Creep

- 📈 As your income grows, avoid increasing your spending in proportion.

- 💰 Prioritize saving, investing, and paying down debt instead of inflating your lifestyle.

- 🏡 Don't succumb to the pressure of keeping up with others; focus on your financial goals.

Reason 7: Credit Card Dependency

- 💳 Credit card debt can drain your paycheck, especially if you're paying high-interest rates.

- 🔄 Avoid using credit cards as a budgeting tool; it can lead to overspending and debt accumulation.

- 💡 Consider alternative savings options like money market accounts to earn interest instead of paying it.

- 🎁 Plan for big expenses like Christmas and vacations with cash rather than relying on credit.

We hope these insights shed light on why you might be living paycheck to paycheck.

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!  

Snag Our Signature Budget Template!

>> Use BF100 for $100 Off. <<

The holiday season is here, and with it comes the challenge every festive shopper faces: the Christmas budget. In today's episode, we dive deep into the art of budgeting for the holidays, whether your plan is to spend $500 or $5,000. We understand that budgeting for Christmas can often feel overwhelming, but we're here to guide you through it, step by step.

In This Episode, You’ll Discover:

1. Why Budgeting for Christmas is Crucial:

• Exploring the importance of a well-planned budget during the festive season.
• Balancing your holiday aspirations with financial reality.

2. Community Insights on Christmas Spending:

• Results from our Facebook group poll about holiday budgets.
• Analysis of spending trends and frugal strategies.

3. Real vs. Perceived Spending Habits:

• Breaking down Google's average spending statistics.
• A realistic look at gift budgets for family, friends, and coworkers.

4. Strategies for Smart Budgeting:

• Determining what you can realistically afford to spend.
• The importance of staying debt-free and living within your means.

5. Personal Budgeting Stories:

• Real-life examples of how our clients are approaching their holiday spending.
• Emphasizing experiences and memories over material gifts.

Why You Should Listen:

If you're wondering whether to stick with your current Christmas spending habits or shift gears, this episode is for you. We'll provide you with the tools and insights to make informed decisions about your holiday budget, ensuring a festive season that's both joyful and financially sound.

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!

Get Our Simplified Budget System!

Hey, Budget Besties! 🍁 October is here, and it’s time to whip that budget into shape before the holiday rush! Today, we break down the 5 super simple steps to create your October budget. Whether you're a seasoned pro or new to the budgeting game, these tips will help you plan for the spooky season without scaring your bank account. 🎃 From prepping for upcoming expenses (hello, Halloween!) to setting yourself up for holiday savings, we’ve got you covered. Grab your PSL, cozy up, and let’s get those finances organized! 5 Simple Steps to Your October Budget: • Review September’s Numbers: Start by checking how you did last month. Did you stay on track or overspend? Look at those patterns and adjust your October budget based on what worked—and what didn’t. • Account for Monthly Must-Haves: Make sure all your regular bills and expenses like rent, utilities, and groceries are covered first. These are your non-negotiables. • Plan for Special Events: October means Halloween costumes, candy, and maybe even some fun fall outings like pumpkin patches. Be sure to set aside funds for these festive expenses. • Start Prepping for the Holidays: It’s not too early to start putting money into your holiday savings bucket! If you plan ahead, you can enjoy Thanksgiving and Christmas without the last-minute scramble. • Set Up Your Savings & Debt Payoff Goals: Once you’ve handled your monthly expenses, see what’s left over and decide how much you want to save or put toward debt. Even small amounts make a big difference over time! Pro Tips: • Use Last Month’s Numbers as a Guide: Your past spending can be your best tool for planning the future. • Don’t Forget Halloween Costs: Whether it’s costumes, parties, or candy, these costs can sneak up on you—plan ahead! • Start Small with Holiday Savings: If you start putting away even $20 a week for gifts or holiday travel now, you’ll be so thankful come December. 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 ➡︎ http://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.  https://budgetbesties.com/privacy This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase!

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:

  1. Recognize It: Write it down, say it out loud, or journal about the money patterns holding you back.
  2. Talk It Out: Have open, honest conversations—whether with a partner, a friend, or even yourself.
  3. 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."

Snag Our Signature Budget Template!

Hey budget besties! Have you started on your August budget yet? We're here to help you get ahead and make sure you're all set for the upcoming month. Whether you're preparing for college or your kids are heading back to school, we know there's a lot going on. Join us as we walk you through the steps to create your August budget, even though there's still a week left in July.

In this episode, we discuss why it's crucial to get a paycheck ahead and how to plan for those early August bills. We share personal stories, practical tips, and our signature budgeting methods to ensure you're financially prepared for the month ahead.

Key Topics Covered:

Why Start Your Budget Early?

The benefits of getting a paycheck ahead

Planning for early August expenses

Closing Out July’s Budget

How to review and finalize your July budget

Importance of zeroing out your expenses and adjusting categories

Setting Up Your August Budget

Five simple categories: Income, Debts, Bills, Spending, Savings

Listing all income sources, including unexpected ones like gift cards or bonuses

Updating and setting minimum payments for debts

Reviewing and adjusting recurring bills and subscriptions

Spending and Saving Strategies

Practical tips for managing spending on groceries, gas, and personal expenses

Setting realistic amounts and adjusting based on past spending

Importance of a kids’ envelope/account for families

The excitement of saving money and seeing your savings grow

Special Considerations for August

Planning for school-related expenses like uniforms and sports physicals

Adjusting for increased travel and gas costs with back-to-school activities

Starting to budget for upcoming holidays and family events

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 Signature Budget Template⁠

Whether your spouse supports you and just wants to help you figure out your spending problem or if there is some tension and friction in your marriage when it comes to finances, this is the podcast you need to hear!

We're talking all about marriage & money and the problems that can come about. Listen to learn about:

• Why combining your finances is important and what it means if they aren’t combined
• How trust issues can become financial issues
• How financial issues can lead to mistrust issues if you don't get it under control
• How doing things alone leaves you with no accountability and no shared vision as a couple
• Why you want to get it all out on the table, set goals together + communicate on purpose (spoiler alert: fun marriage!)
• How financial issues are a mask for other problems (and how to solve them)
• How to improve communication as it relates to finances and money
• How having opposite and different goals / values as a couple is counterproductive
• What a Level 10 Marriage could be like
• The difference between one person being in control and teamwork
• How lack of financial transparency can mean lack of intimacy in a marriage
• Why it's better to do it as a team instead of individuals

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!

Hey, 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!

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!

1. 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. 🎉

2. 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. 🙌

3. 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!

4. 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!

5. 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.

6. 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. 🙌

7. 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!

Listen, budget besties—we know you want to be good with your money… but you don’t want to track every single transaction like it’s your side hustle. Good news? YOU 👏 DON’T 👏 HAVE 👏 TO.

This episode is your permission slip to let go of complicated budgeting systems that take hours to manage. If you’ve ever said, “I want to get better with my money, but I’m just too busy,” this one’s for you. Whether you’re chasing kids, chasing deadlines, or chasing a volleyball tournament like us (seriously, we’re recording this between matches), we’re breaking down our Set It and Forget It method that actually works—without requiring a spreadsheet obsession or 12 new apps.

This is budgeting made simple, automatic, and dare we say… fun. 🙌

Here’s what we cover in this episode:

💸 Why traditional budgeting feels like a chore (spoiler alert: too many categories and perfectionism pressure)

⏰ Why you don’t need to spend hours tracking expenses to be good with money

🙅‍♀️ The real reason being “busy” shouldn’t stop you from budgeting—and how to work with it, not against it

🧠 How to automate your bills so they literally pay themselves

📥 Why getting one paycheck ahead is the key to autopay success

📲 Using your banking app as your personal assistant (no, really)

💰 Setting up automatic transfers for spending and savings—so you never forget and never fall behind

🛍️ Creating spending accounts that do the tracking for you (bye receipts and budget guilt!)

🧾 Why tracking every single dollar isn’t the flex you think it is—and how simplicity leads to success

✨ Real client wins: From Excel chaos to paying off $50K in debt (with vacations and cash Christmas too!)

Our 3-Step “Set It and Forget It” Budget System:

1. Automate your bills: One bills account + autopay = brain space saved

2. Automatically fund spending + savings: Schedule transfers for groceries, gas, and your savings buckets

3. Use spending accounts instead of tracking: No spreadsheets. Just swipe, check your balance, and go 💅

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 Signature Budget Template!⁠

Welcome to our special year-end episode where we guide you through a comprehensive financial review of 2023. Get ready to reflect, celebrate, and even shed a tear or two as we prepare to welcome 2024 with a solid financial plan. Grab your checklist at https://www.budgetbesties.com/yearendchecklist and let’s dive in!

Highlights of the Episode:

1. Pause and Reflect: Take a moment to look back at 2023. What financial strides did you make? What lessons did you learn? Reflecting on the past year is crucial for setting realistic and impactful goals for the new year.

2. Budget Review: Examine your spending habits. Did you stick to your budget? Where did most of your money go? Understanding your spending patterns is key to making informed decisions in 2024.

3. Debt Assessment: Review your debts. Celebrate the debts you've paid down and plan strategies for those still pending. Remember, every small step towards debt reduction counts!

4. Savings Goals Check-in: Did you meet your savings goals? Understanding what worked and what didn’t will help set more achievable goals for the coming year.

5. Organize Financial Records: A great time to declutter and organize your financial documents. A clean slate leads to a clear mind!

6. Credit Report Review: Ensure all information is accurate and up-to-date. Regular checks can prevent surprises and keep you informed about your financial health.

7. Insurance Policy Review: Check if your current policies still meet your needs. Changes in life circumstances can often lead to necessary adjustments in coverage.

8. Retirement Contributions: Are you maximizing your retirement contributions? Adjusting your contributions can significantly impact your long-term financial health.

9. Charitable Contributions: Consider making year-end charitable contributions. It’s a great way to give back and can also offer tax benefits.

10. Financial Dreaming: Set aside time to dream big and plan for the future. What do you want to achieve financially in 2024? Dreaming big is the first step to achieving big!

11. Acknowledge Your Wins: Celebrate your financial successes, no matter how small. Acknowledging these wins builds confidence and motivation for the future.

Reflect on the past, plan for the future, and remember to acknowledge and celebrate your financial achievements. The upcoming episode will focus on setting practical goals and creating action plans for 2024.

Stay tuned, and don't forget to download the checklist to guide you through this process. Here's to a financially savvy and successful new year!

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!

⁠Book a free 20 minute financial coaching session with us!

Teaching your kids about money We know you want the best for your kids. You’re probably like us where “the best” isn’t defined as more stuff or more wealth necessarily. More likely, you want them to have the knowledge and tools to pursue a life of purpose, impact, service and happiness. But how do you talk to your kids about money? What do you say? How soon do you start? We’re answering these questions and more in our three part series Teaching Kids About Money. 

In this episode we cover: 

✔️ The stats of the “normal” state of personal finance in America 

✔️Raising your expectations for what your kids can learn & put into practice NOW 

✔️ The normal American path: college, debt, more debt, work for 50 years, retire & pinch pennies and how your kids can be different 

✔️ How to share your financial wins & losses with your kids 

This episode is also available as a blog post.

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!

This week, we dive into real-life stories of entrepreneurs and business owners navigating the tricky intersection of personal and business finances. From a law firm struggling with employee accountability to a property manager juggling the demands of short-term rentals, these lessons will inspire and challenge you to take a fresh look at how you manage money in your business.

• Lesson #1: Leadership in Business Matters More Than You Think
  One law firm owner learned that “good enough” isn’t good enough when it comes to employees. Shana and Vanessa helped him reimagine his business with KPIs, bonuses, and expectations, transforming a stagnant office into an opportunity for real growth.

• Lesson #2: Are You a Business Owner or a Technician?
  Sometimes the leap from being excellent at your craft to running a business isn’t as seamless as expected. We explore the challenges of wearing both hats—and why not everyone has to own a business to be financially successful.

• Lesson #3: The Airbnb Hustle Is Real
  While short-term rentals might look glamorous, they come with unexpected challenges. One client considered switching to long-term rentals but discovered they weren’t financially ready. Shana and Vanessa share why running the numbers first—and setting up systems—is crucial for avoiding costly mistakes.

• Lesson #4: Systems Save the Day
  A property manager with eight rentals (plus homeschooling, a medical diagnosis in the family, and multiple moves this year) credits automatic systems for keeping her finances on track during chaotic times. The takeaway? Set it and forget it systems can be lifesavers when life gets messy.

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 Group Coaching!

In this special quarterly edition, we share our victories, challenges, and everything in between, coupled with a dash of financial wisdom and life lessons.

What’s New?

• Business Win: We're thrilled about our new group coaching program! Designed to make financial coaching accessible to everyone, this program represents a significant milestone for us. Born from a desire to serve people from all walks of life, this initiative is all about inclusivity and providing value in a fun and engaging way.
• Learning Curve: We've embarked on a comprehensive coaching program that's teaching us patience and perseverance. The depth and thoroughness promise great outcomes, but the journey is daunting. It's a reminder that growth often requires time and dedication.

Personal Touchpoints:

• Volleyball Victories: Watching her daughter excel in volleyball brings immense joy and pride to Vanessa. It's a reminder of the importance of supporting our loved ones in their passions and celebrating their achievements.
• Moving On Up: The excitement of moving to a new home, with the prospect of more space and personal bathrooms, highlights the joys and challenges of family life.
• Health Hurdles: Facing health challenges head-on, like undergoing hip surgery, teaches us resilience and the importance of seeking solutions and looking forward to relief and recovery.
• The Joy of Family Time: Balancing busy schedules with quality family time is a challenge many of us face. It's a season of life that teaches us to adapt and cherish the moments we do get to spend together.

Debunking Myths:

• We tackle the misconceptions surrounding budgeting and financial coaching, emphasizing simplicity, freedom, and the unexpected joy that comes from understanding your finances.

Game-Changing Business Advice:

• Focusing on one thing can lead to clarity and success. This has been a transformative approach for our business, reminding us to stay focused and aligned with our mission.

Surprising Facts:

• Get to know us a bit more personally with fun facts that might surprise you, from past experiences in etiquette and modeling to the discipline behind personal hobbies and fitness routines.
• This episode isn't just about finance; it's about life, growth, and the personal journeys that shape us. Whether you're here for financial insights or the comforting feeling of a chat with friends, we're here to share, laugh, and grow together. Join us as we navigate the beautiful complexity of life and finance, hand in hand.

Until Next Time,

Your Business Besties

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!

Get The Christmas Budget Planner & 100 Clutter-Free Gift Ideas Here

Welcome to our Christmas Budgeting Series! In this episode, we're diving into the world of budget-friendly Christmas gifts. We'll explore how you can keep your holiday season joyful and your wallet happy.

Key Ideas:

1. Budgeting for Gifts: Learn how to plan, shop, and buy gifts with intention while staying on budget.

2. Creative Gift Strategies: Discover how limitations can spark creativity in your gift-giving.

3. Empowering Kids with Budgeting: Hear about the joys and lessons learned from letting kids shop for gifts within a budget.

4. Handmade Gifts: Get inspired by a variety of crafty and personal gift ideas like wood-burned utensils, puzzle blocks, and kitchen towels.

5. Baking Gifts: Explore the warmth of sharing homemade baked goods as heartfelt gifts.

6. Coupons and Service Gifts: Understand how coupons for services or special privileges can be a meaningful gift.

7. Plant Clippings: Learn how a simple plant clipping can become a cherished gift.

8. School Pictures as Gifts: Rediscover the classic charm of giving school pictures as a personalized gift.

9. Budgeting Strategies: Gain insights on price matching, avoiding impulse buys, and gifting experiences to save money.

Actionable Tips:

• Encourage your kids to participate in gift-giving with a small budget.
• Consider handmade gifts for a personal touch.
• Use baking as a fun and affordable gift-giving option.
• Remember the value of coupons and service-oriented gifts.
• Embrace the simplicity and beauty of gifting plant clippings.

Resources:

Visit the series website for downloadable resources, including a Christmas budget planner and a list of 100 clutter-free gift ideas.

We hope these ideas inspire you to give meaningful and budget-friendly gifts this Christmas. Stay tuned for more episodes in our Christmas Budgeting Series, where we'll continue to explore creative and cost-effective ways to celebrate the season.

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!

⁠Grab Our Signature Budget Template Now!⁠

In this episode, we answer a question from a client about how to know the amount of money she needs for retirement. It's a great question to ask, the earlier the better.

We cover:

• Defining your retirement vision: You can't know how much you need until you know what you want!
• Retirement planning requires casting vision for your ideal post-work life.
• The need to consider personal preferences and goals for the next season of life.
• The importance of open communication with partners/spouses about shared retirement vision.
• How to create a retirement budget-- it's going to be different than your current budget! (think paid off mortgage, hobbies, travel, grandkids, etc!)
• How to use that budget to calculate your annual retirement expenses
• How to plan how much income you'll need in addition to any expected income
• How to use the 4% rule as a conservative guideline for sustainable withdrawals from your investments.
• How to get your magic retirement number that is a clear retirement savings goal.
• Here is another episode to listen to about retirement calculations.

⁠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!

⁠Book a free 20 minute financial coaching session with us!

You’ve decided to commit to your health by beginning a workout program. Congratulations! Your next step is to block out your workout times in your calendar. Treat them just like you would a doctor appointment or an important business meeting. That means, you don’t schedule other events during that time. It also means that you don’t cancel, you don’t not show up, you don’t come in late. We’re going to tell you how & why this is the case! 

In this episode we cover: 

✔️ Exactly how the best intentions get thwarted when it comes to your workout sessions 

✔️ How to use your particular schedule management system to help you succeed 

✔️ What mentality & attitude you need to stay committed and reach your goals 

✔️ Exactly how to work on your food & drink intake to improve your sleep 

✔️ The stats that prove how exercise compares to medicine in terms of sleep, risk for disease, bone fractures, depression and more. 

✔️ How your workout session is like a business meeting with yourself where you address all the problems and obstacles you’re facing and deal with them 

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 Signature Budget Template!⁠

Ready to crack the code on stress-free budgeting and savvy spending? 🌈✨ In this must-listen episode, we're diving deep into the world of smart money management. If you're tired of financial jargon and looking for real, relatable advice, you've landed in the perfect spot! 🚀

🔑 Key Insights:

1. The Eye-Opening Bank Statement Review: Ever wonder where your money actually goes? We're starting with a 90-day bank and credit card statement deep dive. Get ready for some color-coded revelations that might just make your jaw drop! 😮🖍️

2. Budgeting 101 - Your Way: Say goodbye to complicated spreadsheets! We're all about creating a budget that feels like a chat with a good friend – cozy, honest, and super helpful. 📊💬

3. Streamlining Your Finances: Ever thought managing money could be as easy as pie? We introduce a two-account system that's so simple, you'll wonder why you didn't start sooner! 🥧💡

4. The Magic of Automation: Imagine your bank doing all the heavy lifting for you. We're talking about turning your bank into your personal finance genie – automating savings and expenses like a boss! 🧞‍♂️✨

5. Balancing Time with Money: Struggling to find time for financial planning? We've got some fun and quirky tips to make budgeting a blast – it's time to add some sparkle to those numbers! 🎉📅

6. The Joy of a Flexible Financial Plan: Who said budgeting has to be a bore? Discover how our approach brings joy, freedom, and a sense of control to your finances. 🎈🗝️

7. Your Toolkit for Success: Dive into our treasure trove of resources, from the 49 Smart Money Moves to our easy-peasy one-page budget template. Financial genius, here you come! 🧰💎

🚀 Why You Can't Miss This Episode:

• Ever felt baffled by your own spending habits? We're shedding light on that mystery!
• Dreaming of a budget that doesn't make you snooze? We've got just the thing!
• Think managing money has to be dull? Not on our watch!

🔗 Resources You'll Love:

• 49 Smart Money Moves: budgetbesties.com/smartmoney
• One-Page Budget Template: budgetbesties.com/budgettemplate

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 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!  

⁠Book a free 20 minute financial coaching session with us!

In this episode, we are speaking to our client Ashleigh about a particular payment she couldn’t figure out when she was trying to get started on her budget. There was a $7 payment in her bank statement audit that she couldn’t figure out until she pulled her bank statement. $7, no big deal right? When she finally obtained a billing statement she found out she’d be paying $7 for the next 47 years. Listen in to find out what she did instead. 

Also, in this episode we cover: 

• The techniques credit companies use to get you & keep you in debt 
• Why a $7 payment is a bad idea 
• How to use your credit report and bank statements to make sure you’re not missing anything in your budget and money 
• How every payday is a fresh new start to get it right How coaching gives you perspective and support to achieve your goals

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 Signature Budget Template!

Budget Besties, raise your hand if summer made your money disappear like a magic trick! 🎩💸 We are here to help you wave goodbye to those summer budget blues and say hello to a fresh, fall routine. In this episode, we’re diving into a post-summer financial reset. From doing a summer audit to setting up your fall budget, we’ve got the tips to get your finances back on track. Plus, we’ll talk about how to manage those sneaky back-to-school expenses and create a solid routine that works for you and your family.

What You’ll Learn:

1. Summer Audit: Why it’s crucial to review your summer spending and how to use that information to plan for next year.

2. 90-Day Audit: Skip the summer chaos and revisit your March-May budget to get a clearer picture for fall.

3. Fall Budget Setup: Step-by-step guide to refreshing your budget, updating automatic transfers, and ensuring your spending categories are all set.

4. Payday Prep: Tips to streamline your payday process so everything gets done without stress.

5. Routine & Planning: How to create a consistent budget routine that works with your new fall schedule.

Key Takeaways:

1. Summer Audit: Reflect on where your money and time went this summer. What worked? What didn’t? Use this to better prepare for next year.

2. Budget Refresh: Go back to your spring expenses to recalibrate your budget for the more structured fall months.

3. Automation Check: Ensure your automatic transfers are up-to-date, reflecting any changes in your budget.

4. Payday Routine: Establish a routine for payday to make sure all your financial tasks get done promptly.

5. Next Budget Meeting: Schedule your next budget check-in to keep everything running smoothly.

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’re diving into some real, relatable lessons from our client sessions this week! From life-altering changes to habits that need a little untangling, we’re sharing stories to help you feel seen, supported, and motivated to take charge of your money.

✨ Highlights From Today’s Episode:

1. “A Lot of Life Happened”: One client is tackling big transitions—moving, foster care changes, and income shifts. Listen in as we break down how to create a mock budget to navigate temporary storms and life-changing months.

2. Overactive Hands Syndrome 🤪: Ever feel like you’re doing too much with your money—setting up transfers, moving pennies, and overcomplicating your system? One client learned the value of starting slow, consolidating first, and letting the system do its thing.

3. Un-Muddy the Financial Waters: Budgeting isn’t an overnight fix. Like a green pool, you have to shock it, let it settle, and trust the process. We share how a step-by-step system (yes, with “training wheels” first!) gets you to a crystal-clear, stress-free money flow.

4. Automate, Automate, Automate: If your mortgage still requires a trip to the bank—hard pass! We’re sharing tips on prioritizing automation so you can reclaim your time and sanity.

Whether you’re a “hands-off ostrich” (looking at you, Shana!) or an over-involved micro-manager, we’ll help you find balance, clarity, and peace with your finances.

✨ What We’re Loving About This Episode:

Sometimes, the biggest financial wins come from getting back to basics. These stories remind us that budgeting isn’t about perfection—it’s about progress, clarity, and making life easier.

📌 Key Takeaways:

1. Start With the Basics: Don’t rush! Build your budget foundation first (and trust us, you’ll thank yourself later).

2. Embrace the Temporary Chaos: Change can be shocking (like a pool shock!), but it’s part of the process.

3. Automate What You Can: Eliminate stress by letting systems handle your bills, savings, and expenses.

4. Be Patient With Yourself: Fixing your finances takes time—just like unlearning old habits.

🎧 Tune In If You:

1. Feel overwhelmed with financial changes (hello, foster parents, new parents, or movers!).

2. Are doing too much with your transfers and need clarity on what to prioritize.

3. Want a money system that works automatically (and frees up your time and brainpower).

Budget Bestie Tip: Remember, it’s a step-by-step process—don’t try to do it all at once. Give yourself grace and trust the system!

✨ Resources Mentioned:

1. Need a clear, automated money plan? Check out our Simplified Budget System (it’ll change your life!).

Snag Our Simplified Budget System!

Heyyy, budget besties! 🙌

We’ve got a juicy one for y’all today. In this coaching call episode, we chat with the lovely Lindsay, who came to us with alllll the questions we know so many of you are also wrestling with. From IRS debt and credit cards to timeshares and life insurance policies—whew, we cover it all.

Lindsay and her husband are both small biz owners with some financial complexity (hi, inconsistent income 👋), and they’re ready to finally get a plan that works for their real life. And yes, she’s already started creating her spending accounts—claps all around. 🎉

Here's what we cover in this episode:

1. 💸 IRS debt vs. credit card debt—what should come first?

2. 🧾 How to make payments feel doable and stop decision fatigue in its tracks.

3. 🏦 Setting up a holding account to make irregular income feel consistent.

4. 🛑 Why stopping the use of credit is key to long-term progress.

5. 🧠 Understanding what your life insurance is actually doing for you.

6. 🏖️ Timeshares—do we love 'em, hate 'em, or just help you get outta them?

7. 📊 Why business owners need three budgets (yes, three—deep breaths, y’all).

We got into some real talk about why planning your money ahead of time—especially on payday—helps you move forward without the stress spiral. And you know we’re always here to remind you that it's okay to make it work your way. You don’t have to follow every “rule” to the letter to see big changes.

Golden Nugget 💡

“You can’t make progress if you’re constantly stuck in indecision. Pick a plan, stick with it, and give yourself the freedom to tweak it as you go.”

Whether you're juggling business and personal budgets, questioning that life insurance policy you signed up for years ago, or trying to dig out of IRS and credit card debt—you’re not alone. We see you, and we’re 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!  

⁠Book a free 20 minute financial coaching session with us!⁠⁠⁠⁠⁠ ⁠

Our clients come and go in different financial statuses. Which financial status are you currently in? Chaos? Crusader? Happily Ever After? Listen to find out.

In this podcast episode we’re talking about:

• Money anxiety
• How to get relief & control back in your finances
• Money mindset
• Debt pay off strategies
• Organizing your 
• Living paycheck to paycheck
• What’s more important than your credit score
• NSF fees
• How you can be like Frodo from Lord of the Rings
• How to see the light at the end of the tunnel with your money
• Getting to automatically saving & investing
• Being able to be as generous as you want to

Side note: money is amoral. It is a tool that can be used for good or for bad. We know you’re going to use it for good, so get over your shyness and get ready to have an incredible financial future full of opportunities and generosity!

The first status is chaos. During this status, you have no idea what’s going on financially. Typically, you’re scared or overwhelmed about what’s going on so you just ignore it. This doesn’t mean you’re not making ends meet. It usually just means you make good money but have nothing to show for it. It means you aren’t sure how to make financial decisions, so you wing it or use debt.

The second status happens when you organize your finances to get out of debt. Debt is a thief that keeps you paying for the past rather than funding the future. Regular, wealthy, financially independent people aren’t using debt or credit scores as a measure of any success, trust us. In fact, we have a saying we like to use:

“The poor pay interest, while the rich earn interest.” 

The Third Law of Wealth from the Richest Man in Babylon

The third status is when you’ve gotten out of debt and have set up a solid investment plan and you understand when you will be financially independent. In this stage, you’ll start piling up cash in your emergency fund, your vacation and gift-giving accounts as well your investments and anything else you are excited to fund. 

So, where are you? We hope to get you into that third status with this book. If you use each system we list in this workbook, you’ll be on your way!

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!

⁠⁠Book a free 20 minute financial coaching session with us!⁠⁠⁠⁠⁠⁠ ⁠

🎙️ Podcast Show Notes - Business Besties Unleashed!

🎉 Welcome back to another exciting episode of Business Besties!

🤝 In this fantastic second installment, we're diving deep into the enigma of business partnerships. You know, the ones people say are a big no-no? But wait, we're here to break that stereotype and spill the tea on our journey as fierce business besties. 🍵

🤔 Because let's face it, folks, finding a business partner can be as elusive as the last piece of chocolate cake at a dessert buffet. Everyone says you shouldn't mix friendship and business, but hey, we're rebels with a cause, and we're here to debunk those myths!

😂 And guess what? Our experiences have been like whirlwind roller coasters, but we've discovered that having each other makes it an epic adventure filled with laughs, love, and loads of learning moments.

🙌 Personal Highs: As the back-to-school bells ring and the chaos of vacation ends, we're celebrating the joy of being at our kids' sports games. Go team! 🏆 Watching them grow, seeing their determination, and supporting them is pure magic.

👎 Personal Lows: While we'd love to pretend we're superheroes, we confess that dealing with non-stop bustling households while trying to conquer the business world can be... well, exhausting. We're just thankful our freezers are clean from eating all those leftovers!

🤣 Funny Question: Got a favorite movie or TV show you can rewatch infinitely? For us, it's all about 'Friends'! We've seen it so much that we practically predict Ross's next pivot with our eyes closed. 🛋️

🎬 So, that's a wrap for this monthly catch-up, peeps! We'll be back soon with more business wisdom, laughter, and a sprinkle of quirkiness. Until then, keep hustling, stay bold, and remember, you're not alone in this crazy entrepreneur journey! 🚀

🎧 Stay tuned for more empowering episodes that bring you business insights, motivation, and camaraderie. Keep hustling, Business Besties! 🌟

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!  

⁠Book a free 20 minute financial coaching session with us!⁠⁠⁠⁠⁠ ⁠

Are you feeling overwhelmed about starting your budget?

Are you feeling unmotivated? Unsure where to start on your financial journey?

We understand! In this episode we’re going to cover:

• Some ideas on how to start small with your budget, using cash envelopes, getting out of debt or saving money

• How to give yourself grace & stop being so hard on yourself

• Why you need to give yourself permission to be a beginner

• How to do one thing at a time in order to build skill, confidence and discipline

• Why you need to put blinders on and stop comparing your situation to anyone else's

• How you unique circumstances require a nuanced approach

We will also share a story about our clients who were living paycheck to paycheck and didn’t even have money to buy groceries. They didn’t even know where to start! But we got them on a simple monthly budget and helped them start working on becoming debt-free. They even solved a lot of marriage problems and communication issues along the way. Now they are working their financial stewardship and building wealth!

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!

⁠Book a free 20 minute financial coaching session with us!

Water is important. For all the reasons. That is another topic entirely. Today we are here assuming you agree but maybe you’re finding that drinking at least half of your body weight in ounces keeps eluding you. We talk about this all the time with our clients so we’ve devised several little hacks to help you get your water intake up while working with your habits. 

In this episode we cover: 

✔️ How much water you should drink 

✔️ When to sneak water in to get the best benefits 

✔️ How to work with existing habits to get more water 

✔️ The easy, should’ve-been-obvious hack to get more water in 

✔️ How to drink more water while working 

✔️ Lifestyle hacks to get more water in 

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!

Use promo code "BUDGETBESTIES" for 20% off at Mandy's Shop!

Ready to slash your grocery bill without sacrificing flavor? Today, we’re thrilled to chat with Mandy Clint, aka Plandy Mandy! 🌿 With over 500K Instagram followers and a track record of helping 20,000+ families save big, Mandy is an expert in turning meal planning into a grocery budget game-changer. 🙌

In this episode, we break down her 6-step system for meal planning, finding hidden grocery budget busters, and making mealtime a breeze (even for busy families!). Whether you’re tired of overspending or just want to streamline your shopping, Mandy’s practical tips will help you take control of your food spending starting this week. 🛒✨

From cutting unnecessary snacks to organizing your shopping list like a pro, you’ll learn how to stick to a budget and enjoy delicious, nutritious meals. Plus, Mandy’s got a special meal plan offer just for our listeners, so don’t miss out!

Key Takeaways:

1. Do a Budget Audit: Track your grocery spending for one week to see where your money is really going (including those sneaky snack runs!).

2. Pinpoint Your Improvement Areas: Be brutally honest—are you eating out more than you thought? Not using a grocery list? Find those budget-busting habits and tackle them.

3. Set Realistic Goals: Don’t overwhelm yourself! Start by aiming to save $25 a week and pick 2-3 specific habits to change (like cutting back on coffee runs or making snacks at home).

4. Create a Verified Grocery List: Only buy what you need. Verify what’s in your pantry and fridge before heading to the store to avoid overspending on duplicates.

5. Meal Plan with a System: Plan your meals in 7-10 day stretches and use systems like freezer meals or cook once, eat twice to make dinnertime easier.

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’re diving into why we’ve centered this podcast around financial coaching for women. We get it—some men listen in too (and we love y’all for sharing us with your wives!), but our focus is on the unique ways women experience money, budgets, and financial empowerment.

Money is emotional. Women often shoulder financial responsibilities in ways that look very different from men—whether you’re running the household finances, balancing a career, or simply trying to keep up with all the expectations. The truth? Many of us were never taught how to handle money effectively, and the shame or guilt around that can hold us back. We’re here to change that narrative and help you own your financial confidence.

💡 Key Takeaways:

1. Why Women?

• Women often approach and experience finances differently than men. From societal expectations to emotional connections with money, it’s a unique journey.

• Many women take on the role of household CFO, even when they’ve never been taught how to manage finances effectively.

2. What We’ve Seen:

• Clients often feel shame, guilt, or anxiety about money. Some avoid it completely, while others obsess over every penny. Either way, it’s exhausting.

• It’s not about knowing “enough math” or being good at numbers. Even CPAs, bankers, and financial professionals come to us for coaching because daily money management is a whole different skill set.

3. Real-Life Transformation:

• Shana’s client went from dreading budget meetings to feeling excited and empowered—so much so her kids noticed her calm confidence. She’s now managing multiple real estate properties like a boss.

4. Our Philosophy:

• Budgeting isn’t punishment. It’s freedom. It’s about making space for your dreams (and those Target runs 🛍️) while paying off debt, saving for Christmas, or crushing other financial goals.

• You can have a life that’s bougie and on a budget.

5. It’s Never Too Late:

• Whether you’ve never looked at a budget or you’re overwhelmed by your current system, there’s hope. Our coaching and Simplified Budget System are designed to meet you where you are and help you succeed.

📌 Related Links & Resources:

• Simplified Budget System: The ultimate toolkit for managing your finances with ease. Check it out at ⁠BudgetBesties.com/budget⁠.

• Join the Conversation: Connect with us and other budget besties in our private Facebook group.

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’re thrilled to share a replay of one of our absolute favorite podcast chats—this time as guests on the Grace-Filled Leader Podcast with the amazing Tanya! In this episode, we dive into what it means to manage finances without losing sight of the bigger picture, like being present with our families and creating a life that feels balanced and fulfilling.

Together, we explore how to finally let go of perfectionism in all areas, not just with money. You’ll hear our personal stories and tips for creating practical, doable financial plans—especially if you’re a busy professional or entrepreneur with a household to run. We break down the must-do steps for budgeting that will simplify your life, like setting up separate accounts for bills and daily spending, learning to automate, and getting every dollar organized so you know exactly what’s going on with your money.

Whether you’re new to budgeting or just need a boost, this conversation is packed with golden nuggets to help you get started, build consistency, and start showing real results in your financial life. Tanya’s insights and her commitment to helping women achieve work-life balance complement our mission, making this an inspiring, value-filled episode we couldn’t wait to share!

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!  

⁠Book a free 20 minute financial coaching session with us!

Do you ever get excited at the prospect of a 3 paycheck month? Or do you think your bonus is “extra” money?

Well, tough love friend, but we’re here to tell you why that’s not true.

In this episode we cover:

✔️ How the calendar tricks you with these “extra” paychecks

✔️ How to make sure your bills and expenses are covered depending on when paychecks land in your account

✔️ How bills are monthly but certain expenses are daily

✔️ Why you should think bigger than paycheck to paycheck

✔️ How there are never extra dollar bills because every dollar bill needs a job

✔️How to budget extra paychecks from side hustles, commissions & bonuses

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!

⁠⁠⁠Book a free 20 minute financial coaching session with us!⁠⁠⁠⁠⁠⁠⁠ ⁠

🌟 Let's dig deep into the world of managing your moolah and bills in a way that's totally streamlined and, dare we say, fun! 🎉 First off, gather up all those bills - credit cards, subscriptions, and whatever else is lurking in the financial closet. We want them all in one place, nice and organized. Why? Because clarity is key, my friends! Now, it's time to Marie Kondo your finances! 🧹Identify those duplicates and subscriptions that are just hanging around, taking up space. You know the ones – they're not sparking joy anymore. It's time to kiss 'em goodbye and put more cash back in your wallet. Cha-ching! Here's a little secret: your bills aren't set in stone! 🤫 Yep, you heard me right. Take the opportunity to re-quote those bills like insurance, phone plans, and internet every single year. Shopping around can lead to significant savings. More cash for the fun stuff! To stay on top of your budget game, it's all about distinguishing between your needs and wants. 🏡🚗🍔 We're talking the "four walls" – housing, transportation, and food. These are your essentials, so prioritize them. Now, here's where the magic happens: create a separate account just for bills. 💰 Your paycheck goes there, and bills are paid automatically. No swiping allowed in this account! It's like your financial command center, keeping you on the straight and narrow. Last but not least, think of this bills account as your financial HQ. 🏦 You're the CFO, the big cheese, supervising payments and checking them off as they get settled. It's a stress-free way to handle your money and gives you that sweet, sweet peace of mind. Ahhh, serenity. Oh, and one more thing – don't mix personal and business bills. Keep 'em separate, my friends. 🙅‍♀️ Now, let's talk homework, because we're all about action! 📚 - List out all those bills, get 'em on paper. - Categorize them, focusing on your "four walls." - Identify and cancel any bills that aren't bringing you joy. - Make a list of bills to re-quote, like insurance. - Create that separate bills-only checking account – it's a game-changer. - Remove that bills account debit card from your wallet and online accounts. Adios, temptation! Bonus homework, if you're up for it: consider snagging our Budget Power Workshop and Workbook. It's like a financial ninja in one workbook, making budgeting a breeze. 🥋💼 Remember, we've got your back on this financial journey. Let's simplify your finances, declutter that financial closet, and rock that organized and empowered 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!  

⁠Grab Our Signature Budget Template Now!⁠

It's SUMMER! We're talking all things summer including budgeting & planning for vacations, camps, activities, lunches and more. We'll cover:

• Using the budget and calendar as tools to put the concepts into practice.
• Determining what you can afford to spend on summer activities.
• How to use sinking funds or separate budgets for summer activities and involve your kids in the process.
• Teaching your kids about financial responsibility by having them contribute to paying for their summer camps or other activities.
• Creating a system, such as envelopes or jars, to help your kids manage their money and learn budgeting skills. Also, encourage them to be involved in decision-making and prioritize activities based on their budget.
• Planning your summer activities based on your budget and time availability, considering both monthly and weekly schedules.
• Leaving gaps in your schedule and prioritize downtime.
• Designing your ideal summer day and week, taking into account your kids' preferences and incorporating routines to maintain a sense of structure.Planning your summer on a macro level, considering the overall calendar and flow of weeks.
• Discussing and creating ideal summer day schedules with your children, including both fun activities and chores.
• Considering the time and effort it takes to keep your kids busy versus allowing them to have downtime and be creative.
• Embracing boredom as it fosters creativity and encourages children to explore new activities and use their imagination.
• Viewing summer as a season of rest and downtime, allowing you and your children to enjoy a slower pace before the busyness of other seasons.

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!

⁠⁠Book a free 20 minute financial coaching session with us!⁠⁠⁠⁠⁠⁠ ⁠

Over here at Ideal Balance, we are big fans of Dave Ramsey. As Ramsey Solutions Master Financial Coaches, we follow his Baby Steps and coach our clients to do the same. On the other side of the house, our fitness coaching clients get the same simple, step-by-step approach to losing weight.

Just as with your finances, we want to make lifestyle changes that will last. We're not in it for the quick-but-short-lived-win. So, what are the 7 Baby Steps to Weight Loss That Lasts Forever? They're doable, figureoutable, bite-sized steps that we're going to be REALLY REAL about. We are all about tough love with lots of jokes and encouragement, so let's dive in!

In this episode, we'll talk about:

✔️ Why you need to find your soulmate workout

✔️ How drinking more water keeps you in the potty and out of the bag of cookies ;)

✔️ Why planning your overall food protocol and even your daily plan is VITAL to your success

✔️ How planning your food doesn't have to be miserable & why you should stop eating food you hate

✔️ Why you should close the kitchen to save calories & dirty dishes

✔️ And much more!

+ we have an awesome freebie for you! It’s a action planning worksheet for all 7 steps! 

→ Access here!

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!

Book A Free Financial Coaching Call!

Today, we are talking about the importance of setting financial priorities and sticking to them. Our clients have made incredible progress, from paying off credit card debt to tackling student loans and planning for future expenses. We share their journey, the challenges they've faced, and how they've managed to stay focused on their goals.

Episode Highlights:

1. Client Success Stories:

   • Our clients kicked off the year with ambitious goals and have already paid off their credit card debt. 🎉
   • They've set a clear plan: prioritize student loans, pay off braces, build an emergency fund, and tackle vehicle and home expenses.

2. Tackling Multiple Financial Goals:

   • Balancing paying off student loans while saving for other essentials.
   • Prioritizing a fully funded emergency fund before addressing less urgent debts like vehicle loans.

3. Budgeting for Everyday Expenses:

   • Simplifying finances by creating separate accounts for different spending categories, like dining out.
   • Emphasizing the importance of planning and tracking spending to avoid financial stress.

4. Personalized Coaching Insights:

   • Discussing strategies to avoid common budgeting pitfalls, such as consolidating all spending into one account.
   • Encouraging clients to take ownership of their financial plans and celebrate small victories.

5. Importance of Staying Ahead on Taxes:

   • Advising business owners to stay current with their taxes to avoid future financial stress.
   • Highlighting the benefits of setting aside a percentage of income for taxes to stay ahead.

Key Takeaways:

• Set Clear Priorities: Define what needs to be tackled first, from paying off high-interest debts to saving for emergencies.
• Stick to the Plan: Resist the urge to deviate from your financial plan, even when unexpected expenses arise.
• Simplify and Track Spending: Use multiple accounts for different spending categories to stay organized and avoid overspending.
• Stay Ahead on Taxes: For business owners, staying current on taxes can prevent significant financial headaches down the line.

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 Signature Budget Template!

Hey, Budget Besties! 🎉 Can you believe it’s already July? The second half of the year is here, and it's the perfect time to get back on track with your budget. Whether you’ve nailed the first six months or need a fresh start, we’ve got you covered. We are guiding you through setting up your July budget step-by-step. Grab your budget template, sit down with us, and let’s make this month financially fabulous!

Key Takeaways:

1. Wrap Up June: Before diving into July, close out your June budget. Update your actual numbers to reflect what you spent.

2. Set Up July: Begin with your income, debts, bills, spending, and savings. Make sure everything is up-to-date and realistic.

3. Specific July Expenses: Plan for summer vacations, 4th of July celebrations, sports camps, and any other seasonal expenses.

4. Adjust for Changes: If your bills have increased or you have new expenses (like kids home for summer), make sure to adjust your budget accordingly.

5. Goals Alignment: Ensure your budget reflects your financial goals, whether it's paying off debt, saving for a trip, or any other priority.

Steps to Create Your July Budget:

1. Wrap Up June:

2. Update actual numbers in your budget.

3. Review and adjust for any variances.

4. Income:

5. Record all expected income, including salaries, bonuses, and reimbursements.

6. Debts:

7. Update debt balances and minimum payments.

8. Celebrate any debts paid off!

9. Bills:

10. Verify recurring bills and adjust for any changes.

11. Add any new monthly expenses.

12. Spending:

13. Plan for groceries, gas, family fun, and personal expenses.

14. Adjust for realistic amounts based on past spending.

15. Savings:

16. Fund your savings buckets for future expenses like travel, medical, and holidays.

17. Start new savings buckets if your budget allows.

July-Specific Considerations:

1. 4th of July: Plan for parties, fireworks, and any special meals.

2. Summer Expenses: Include sunscreen, bug spray, and yard supplies.

3. Back to School: Start saving for school supplies and clothing.

4. Travel Plans: Budget for any vacations or trips.

5. Seasonal Activities: Consider summer sports camps, pool memberships, and extra utilities due to heat.

Listener Tips:

1. Garage Sales: July is a great time for yard sales to declutter and make extra money.

2. Sports Physicals: Schedule and budget for necessary check-ups.

3. Lawn Care: Plan for higher utility bills and any lawn treatments.

4. Prepare for August: Start thinking about back-to-school and fall expenses.

Financial Goals:

1. Set Your Intentions: What’s your main financial goal for July? Paying off debt? Saving for a big purchase? Make sure your budget aligns with this goal.

2. Stay Motivated: Remember, it's okay if the first half of the year didn’t go as planned. July is a fresh start!

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 Signature Budget Template!⁠

Ready to witness a financial transformation in action? This episode throws you into the deep end of financial coaching with Monica Baker, the voice behind "Claiming Simplicity." Watch as we guide Monica, a homesteading enthusiast and simplicity advocate, through the maze of personal and business finance management, offering tools and strategies to streamline her financial life.

Key Takeaways:

- Real-Life Financial Coaching: Experience firsthand the power of financial coaching as we walk Monica through the steps to declutter her financial practices, emphasizing the importance of joy and simplicity in managing money.

- Budgeting That Brings Joy: Discover our approach to turning budgeting from a dreaded chore into a source of empowerment and happiness. Learn how you, too, can apply these strategies to your financial routine.

- Simplifying Personal and Business Finances: Gain insights into our tailored advice for Monica on keeping her personal and business finances in harmony, highlighting the effectiveness of separating and automating financial processes.

- The Path to a Simpler, Richer Life: Monica's journey reflects our core message—living simply doesn't mean skimping on life's pleasures. Find out how aligning your finances with your values can lead to greater contentment and freedom.

- Actionable Tips for Immediate Impact: Armed with practical advice from our coaching session, learn how to tackle unexpected expenses, set up savings buckets, and automate your finances for a smoother, more enjoyable financial experience.

This episode isn't just about Monica's financial journey; it's a blueprint for anyone looking to conquer financial overwhelm and embrace a life of simplicity and abundance. Join us as we provide Monica with the tools to transform her financial outlook, offering you the chance to do the same. Say hello to a world where financial management is not just easy but enjoyable.

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!

Book A Free Financial Coaching Call!

Today, we explore the real challenges and strategic solutions that can help individuals and families not just survive, but thrive financially, regardless of how or when the money comes in.

Key Highlights:

• Understanding Unpredictable Income: We start off by discussing the various types of income schedules people face, from daily wages to monthly salaries, and how each can significantly affect financial planning and stability.

• Personal Finance Struggles: Our guest shares her lifelong journey of financial independence, starting from her early twenties when she first managed her own finances, to now at 44, with a family and children, realizing the need to get a serious grip on her financial situation.

• Family and Finances: Hear how raising four children and managing a household has brought both joy and financial strain. Our guest discusses the challenges of high income coupled with high expenses, and how family dynamics, like supporting sports and extracurricular activities, play a massive role in financial planning.

• The Emotional Aspect of Money Management: It’s not just about numbers; it’s about feelings too. Our discussion touches on the emotional weight of owing money, the stress of unexpected expenses, and the desire to provide for children without compromising financial health.

• Practical Steps Towards Financial Stability: We wrap up with actionable advice on how to tackle these challenges. This includes setting up dedicated accounts for bills, implementing spending freezes, and the importance of transparent family discussions about finances.

Join us as we unpack these insights with real-life stories and expert advice, ensuring you come away equipped to handle whatever your financial situation may throw at you. Whether you're dealing with fluctuating paychecks or just looking to refine your budgeting skills, this episode is a must-listen!

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 replaying a fantastic conversation we had with our friend Gia from the Your Future Starts Now podcast. It's one of our favorite chats, filled with laughs, insights, and plenty of practical tips to help you live your best financial life!

• Our Backstory: We share how our friendship started (hint: it involved a workout group and a church visit!) and how we grew from frugal moms to passionate financial coaches. 🌟
• The Book That Changed Everything: Discover the impact that Dave Ramsey's Total Money Makeover had on our lives, and how it inspired us to start our own debt-free journey. 📚💡
• The Birth of Our Business: From a pivotal text message in 2019 to launching our coaching business on April Fool's Day 2020, we talk about the wild ride of starting a business during a pandemic. 🚀
• Why Budgets Fail: We dive into why so many people feel like they can't save money—even with good incomes. Spoiler alert: It's not you; it's your system! 🛠️
• The Smart Money System: Learn about our hands-off approach to budgeting that automates your savings and spending, so you can focus on living your life, not tracking every penny. 💰🤖
• Overcoming Money Mindset Blocks: We discuss the common pitfalls high-achieving women face with their finances, and how to shift from feeling 'bad with money' to confidently taking control. 💪💖
• Tips for Getting Started: Our simple yet powerful 90-day financial audit that can transform how you view your money. Trust us, it's a game-changer! 📈🗓️

Whether you're looking to save for a dream vacation, your kid's education, or just want to feel more in control of your finances, this episode is packed with actionable advice to help you get there. And as always, we're here to make finance fun, judgment-free, and tailored just 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 Signature Budget Template!⁠

Get ready to kiss those budgeting blues goodbye and welcome a world of simplicity in 2024. In today’s episode, we’re all about transforming your budget from a tangled mess to a streamlined dream. Dive in with us as we unveil our signature budget template that’s not just smart but also super easy on the eyes. We’re talking about cutting down on the chaos, embracing a five-category system, and making your finances work for you, not against you. Let's make budgeting something to look forward to!

1. Common Budgeting Mistakes: Many people overcomplicate budgeting, which can lead to confusion and frustration. We discuss these pitfalls and how to avoid them.

2. The Five-Category System: Simplify your budget by categorizing it into five main sections: income, debts, bills, spending, and savings. This approach makes it easier to understand and manage your finances.

3. Why Tracking Every Expense is Overkill: Constantly monitoring every expenditure can be tedious and unnecessary. We advocate for pre-planning spending to avoid the hassle of tracking each transaction.

4. The Problem with Third-Party Apps: Using multiple apps can complicate budgeting. We suggest relying on your bank app and our budgeting system for a more streamlined process.

5. Automating Your Budget: Set up auto-payments for bills and auto-transfers for savings to simplify budget management. This automation ensures that your finances are in order without the need for constant manual oversight.

6. Savings and Planning Ahead: Emphasize the importance of saving for foreseeable expenses, like oil changes or vacations, to avoid last-minute financial stress.

7. Daily Check-Ins for Confidence: Initially, daily check-ins with your bank accounts can provide reassurance and help you adjust to the new budgeting system.

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!

⁠⁠⁠Book a free 20 minute financial coaching session with us!⁠⁠⁠⁠⁠⁠⁠ ⁠

🎉 Financial Transformation Success Story 🎉

Today we are sharing the story about a young couple who, in the midst of career changes, moving across the country and trying to finish college, got on a budget and paid off over $80K in debt in 16 months. We are sharing with you exactly where they started (maybe you can relate), the SPECIFIC and TANGIBLE things they did to make that much progress and where they ended up when they graduated coaching. Listen in to learn how they:

• 💵 Used cash for spending (even though they didn't want to).

• 💰 Trimmed expenses by cancelling Costco, 📱 an unused phone line, 📦 clearing out a storage unit, 🚗 refinancing vehicle loan, and 🏡 re-quoting insurance.

• 🎯 Planned & used bonuses to pay off debt. (Hint hint, part of the debt payoff success story!!!)

• 💼 Saved Emergency Fund & hid it from their bank account view.

• 📅 Used our structured Paycheck Plan™, guiding their financial decisions with each pay day.

• 💡 Established an annual bills account to handle quarterly and annual expenses.

• 💼 Actively pursued higher-paying job opportunities.

• 🎉 Celebrated their financial successes along the way. 🥳💰

And so much more!

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 Signature Budget Template!⁠

We're diving into the magical world of savings buckets. Ever felt puzzled about how much to save for emergencies, or why holiday expenses catch you off guard every year? We've got you covered! We're exploring everything from the "Oh no, my car broke!" fund to setting aside cash for those glam-up sessions. Let's deep dive into creating various savings buckets that'll transform your financial management this year.

1. Savings Buckets Demystified:

-We explain what savings buckets are: personalized savings accounts for specific life goals, separate from your emergency fund. These are intentional, purposeful, and tailored to your life's unique needs.

2. The Essential Emergency Fund:

-Starting with a beginner fund of $1,000, we discuss the importance of building an emergency fund. The ultimate goal? Save three to six months of living expenses for those unforeseen circumstances.

3. Managing Annual Bills:

-We delve into planning for those pesky non-monthly bills like insurance premiums, taxes, and subscriptions. A pro tip? Divide the total annual cost by 12 to smoothly integrate it into your monthly budget.

4. Vehicle Care and Maintenance:

-We emphasize the importance of a dedicated fund for vehicle upkeep and potential replacements. Regular maintenance can prevent costly surprises and extend the life of your vehicle.

5. Home Maintenance Planning:

-From fixing the roof to seasonal upkeep, we talk about the necessity of a home maintenance fund. It's all about being prepared for those inevitable home repairs.

6. Medical Savings Bucket:

-With healthcare costs being a significant concern, we discuss setting aside funds for medical appointments, treatments, and unplanned health expenses.

7. Travel and Vacation Savings:

-Dreaming of a vacation? We share insights on saving for travel, covering everything from transportation to accommodation, ensuring your dream trip doesn’t derail your finances.

8. Saving for Festive Seasons:

-Holidays can be financially overwhelming, so we discuss strategies for saving for gifts, decorations, and holiday travel, spreading the cost across the year for a stress-free season.

9. Budgeting for Kids’ Activities:

-Kids' sports and extracurricular activities can add up. We talk about setting aside funds for registration fees, equipment, and travel related to your child’s hobbies and interests.

10. Pet Care Fund:

-For our furry friends, we discuss creating a savings bucket for regular vet visits, grooming, and unexpected pet health issues.

11. Personal Care and Glam Up Fund:

-From haircuts to skincare treatments, we cover the importance of budgeting for personal care and maintaining a fund for those self-care expenses.

12. Gift-Giving and Special Occasions:

-Birthdays, anniversaries, and other celebrations need a budget too. We share tips on how to save for these joyous occasions without financial stress.

13. Clothing and Essentials:

- We touch on the necessity of a clothing fund, especially considering the changing needs and growth of family members.

14. Planning for Tuition and Education:

- Lastly, we delve into saving for education-related expenses, including tuition, books, and other fees, emphasizing the importance of planning ahead to avoid student loans.

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 Savings Bucket Tracker!

This episode is a treasure trove of insights on the concept of sinking funds, or as we love to call them, 'Savings Buckets' - a crucial tool for elevating your budgeting game. It's all about preparing for future expenses, big or small, to achieve financial peace of mind. We dive into setting up savings buckets, share success stories, and provide best practices from our experience with clients.

Key Points:

1. Introduction to Savings Buckets: Savings buckets are essentially designated savings accounts for specific purposes, helping you save systematically and avoid financial stress.

2. Client Success Stories: We highlight how clients have successfully used savings buckets for various needs - from funding weddings and graduations to creating a summer fund for a teacher's irregular income.

3. The Necessity of Savings Buckets: They're essential for being financially prepared for predictable expenses like vehicle maintenance, home repairs, or even Christmas gifts.

4. Setting Up Your Savings Buckets:

   • Determine which savings buckets are essential based on your needs and budget.
   • Select a bank that allows multiple savings accounts without restrictions.
   • Set up automatic transfers to these accounts to ensure consistent saving.

5. Types of Savings Buckets: We categorize them into 'needs' (like emergency funds, annual bills) and 'wants' (like vacations, kids' activities).

6. Best Practices:

   • Set clear, realistic goals for each bucket.
   • Treat these funds as untouchable unless for their specific purpose.
   • Involve family in the saving process for shared goals.
   • Be flexible and adjust as necessary.

7. Engagement and Resources: We encourage listeners to share their savings goals and download our free Savings Buckets Tracker. ⁠Snag Our Savings Bucket Tracker!⁠

Savings buckets are more than just a financial strategy; they represent a mindset shift towards proactive, stress-free money management. Whether it's for an emergency fund, a dream vacation, or annual bills, the power of sinking funds lies in their ability to turn daunting financial challenges into manageable, planned-for events.

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 Signature Budget Template!

Hey Budget Besties! In this episode, we’re sharing some real-life nuggets from our group coaching sessions. May was a long month for budgets, and we’re here to help you navigate all the challenges it brings. From unexpected grocery bills to handling extra paychecks, we’ve got tips to keep you on track. Plus, hear how to manage those pesky annual bills and the importance of replenishing your emergency fund quickly. Join us as we dive into your burning questions and tackle budget dilemmas together!

May Budgeting Tips:

• May feels like December with all the extra expenses like Mother’s Day, graduations, and end-of-year parties.

• Plan ahead for these events to avoid budget surprises.

Handling Extra Paychecks:

• When you receive an extra paycheck, focus on your primary financial goals.

• Consider applying it to large upcoming expenses like college tuition or insurance premiums.

Emergency Fund Replenishment:

• Always prioritize replenishing your emergency fund after using it.

• Think of it as storm mode – stop everything else until your emergency fund is back in place.

Automating Payments:

• Set up automatic payments for regular expenses, even if they’re going to a person, like paying a family member for childcare.

• Use your bank’s bill pay feature to streamline this process.

Budgeting for Annual Bills:

• Save monthly for annual or bi-annual bills to avoid large, unexpected expenses.

• Label savings accounts specifically for these purposes to stay organized.

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 Signature Budget Template!⁠

In today’s special episode, we're taking a moment to celebrate a huge milestone in our podcast journey—reaching over 300,000 plays! This achievement is not just ours; it's a testament to the vibrant, supportive community that has grown around our podcast. Join us as we reflect on the journey, the lessons learned, and the incredible impact of financial empowerment.

Highlights:

• A Milestone Reached: We share our excitement and a bit of the suspense leading up to hitting the 300,000 plays mark. Despite a slight delay, the surge in listens, especially with our Wednesday morning episode, was a pleasant surprise.

• Gratitude for Our Listeners: Our heartfelt thanks go out to every one of you. This podcast is a calling, and seeing it flourish is a blessing we deeply cherish. The stories of change and growth we hear from you fuel our passion and dedication.

• The Journey So Far: Reflecting on our journey, we delve into the pivotal moments that have shaped our mission. Starting from April 2020, focusing on financial coaching, and witnessing the exponential growth in engagement and impact.

• Listener Reviews: We share some of the heartwarming reviews from our listeners. These testimonials highlight the transformative effect of financial coaching and the podcast, from gaining practical strategies to fostering financial confidence and freedom.

• Our Community's Growth: The launch of our group coaching program and the positive feedback it has received underline our commitment to making financial coaching accessible and impactful. We're inspired by the stories of progress and the shared learning within this vibrant community.

• Looking Forward: As we celebrate this milestone, we're also excited about the future. Our journey continues with the same dedication to empowering individuals, especially women, to manage their finances confidently and effectively.

Conclusion:

Today’s episode is a celebration of milestones, growth, and the incredible community that makes it all possible. We’re immensely grateful for each listener, their stories, and the shared journey of financial empowerment. Here’s to many more milestones, learning, and transformations together. Thank you for being a part of our 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!

⁠Grab Our Signature Budget Template Now!⁠

July is a FUN month to budget for. You've still got some summer vibes going on, maybe a vacation or quality time with friends and family and who knows what else! Either way, we're helping you get your July budget set up in this episode. Listen to learn:

• Why you have to start by finishing up June's budget
• What income considerations you might need to make for July including adjusting for vacations, unpaid time off, bonuses, etc.
• What bills changes might apply in July
• Examples of expenses that. might come up for the month of July specifically
• How to set your goals for July
• How to adjust your goals if your budget is off
• Why Vanessa dropped her parents off at the airport and they're still there
• Shana's fun & cheap potluck contribution idea

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 Signature Budget Template!⁠

Ever felt like your budget just crumbles away a week, or even a day, after you make it? We've all been there, and today we're spilling the beans on how to keep that from happening again. We've got seven super straightforward tips that'll help your budget stick around for the long haul.

What We're Diving Into:

1. Easy-Peasy Spending Accounts: We're showing you how to manage your cash in a way that feels freeing, not confining. It's all about having your money right where you need it.

2. The Big Picture: Sometimes we miss the forest for the trees, right? We're talking about why it's crucial to look at your whole financial picture to avoid those "oops" moments.

3. Set It and Forget It: Learn how to make your bank account do the heavy lifting, so sticking to your budget feels like a breeze.

4. Low Maintenance, High Reward: Keeping up with your budget doesn’t have to be a time suck. We'll share just how quick it can be.

5. Seeing Everything Clearly: We chat about the game-changer that is having a clear, full view of where your money's going.

Our Top Tips for Budget Bliss:

- The 90-Day Check-Up: Take a little time to see where your money's been heading. It’s like a reality check that helps you plan better for what's coming.

- Give Yourself Some Fun Money: Setting aside a bit for yourself means you won't feel guilty about treating yourself now and then.

- One Page to Rule Them All: Keeping all your money info in one spot can seriously simplify your life.

- Keep 'Em Separated: When your spending money and bill money aren't mixing, life gets a lot easier.

- Automate, Automate, Automate: Making things automatic means less for you to worry about.

- Plan for the Oopsies: A little buffer for the unexpected means no freak-outs when something pops up.

- Quick Check-Ins: Spending just a few minutes a day to peek at your finances can keep you on track without feeling overwhelmed.

Your Homework (Yes, Really!):

Pick one or a couple of these tips and give them a go this weekend. Whether it’s setting up a new account or just taking a closer look at where your money's going, every little bit counts.

Budgeting doesn’t have to be a drag. With these tricks up your sleeve, you can make it work for you in a way that feels good. Here's to taking those small steps toward big changes. We're rooting 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!

⁠Book a free 20 minute financial coaching session with us!

Do you want to get out of debt but you don’t want to live on beans and rice?

Are you not so much gazelle intense as you are gazelle at nap time?

We are going to talk to you today about how you can be on a budget, get out of debt, save money and build wealth without having to sacrifice everything about your lifestyle.

This episode is for everyone who loves Dave Ramsey and what he teaches but has a hard time implementing it in real life. We'll tell you about our clients who:

• Paid $2K off in 2 months while still getting her hair and nails done.
• Our client who paid off $56K in debt in 18 months while still going on several vacations every year.
• Our clients who paid off her van while also spending $1200 on groceries every month because they eat high quality food and she values her family's health so much.

We will cover:

• Why it's your budget, your way
• No matter how bougie you want to be, there's always some way to start & something to trim
• The balance between enjoying life, being healthy & being financially responsible
• How to start small and eventually go bigger
• How to be okay with starting "Daveish"
• How people make things complicated as a form of self-sabotage
• How we unconsciousing give ourselves excuses not to start
• How to stop making excuses and start somewhere
• How there is a middle ground between beans and rice and spending all of your money every paycheck

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!

⁠Book a free 20 minute financial coaching session with us!

So often there’s no room in our brain for what smart people call cognitive dissonance. You see, your brain thinks that the fact that you are a healthy person working toward a goal AND that you are a person that occasionally eats for joy CANNOT be true at the same time. So, when you step outside of what you imagine your perfect healthy self to be, it wants to put you in the other category. The "well-I-failed-nevermind" category.

But how does that serve you? Well, it doesn’t. Instead, what if it was simply true that you get to decide differently. So, if you have a minor “setback” you can DECIDE what you make it mean. We'll tell you how.

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!

⁠Book a free 20 minute financial coaching session with us!

We know you want the best for your kids. You’re probably like us where “the best” isn’t defined as more stuff or more wealth necessarily. More likely, you want them to have the knowledge and tools to pursue a life of purpose, impact, service and happiness. But how do you talk to your kids about money? What do you say? How soon do you start? We’re answering these questions and more in our three part series Teaching Kids About Money.

In this episode we cover: 

✔️ What are the questions to ask before deciding on college? 

✔️ Do you need student loans? 

✔️ How to teach kids to focus on net worth instead of debt scores 

✔️ How your kids can achieve financial independence 

✔️ How to avoid the trap of the acquisition of stuff vs. the acquisition of financial freedom 

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 Signature Budget Template!⁠

Hey there, listeners! 🎧 In today's episode, we're diving into a topic that's crucial for your financial health: understanding the difference between accounting and budgeting.

🔍 What's the Deal with Accounting and Budgeting?

- Accounting: It's all about looking back. Think of it as your financial rearview mirror, showing you where your money went. But here's the thing, it's past tense. It's great for business, taxes, and getting a snapshot of what happened.

- Budgeting: This is your financial roadmap! It's future-focused, helping you plan every dollar before you spend it. Budgeting is about setting goals, avoiding debt, and making your money work for you.

🌟 Why Budgeting Rocks:

- Take Charge: With budgeting, you're in the driver's seat. You decide where your money goes, from the first to the last dollar.

- Goal Setting: Whether it's paying off a card or saving for a vacation, budgeting makes these dreams achievable.

- Avoid Debt: Budgeting helps you plan for big expenses and avoid the debt trap.

- Peace of Mind: Knowing exactly what you have for groceries, fun, or savings reduces stress and chaos.

🤔 Why Bother with Accounting?

- While we love budgeting, accounting has its place too! It's essential for business operations, tax purposes, and reflecting on your spending habits to make better future budgets.

🎯 Taking Action:

- Get Organized: Use tools like our Signature Budget Template to track your assets, debts, and future budgets.

- Reflect and Adjust: At month-end, compare your budget with actual spending to fine-tune your next month's plan.

- Set and Review Goals: Regularly check your progress towards your financial goals.

Budgeting isn't just about numbers; it's about empowering you to take control of your financial future. Remember, it's not just theory; it's about real-life changes that make a difference. So, grab that budget template and start your journey to financial clarity!

📣 We'd Love to Hear from You!

Share your success stories or questions with us. Your experiences could shape our next episode! Reach out at [your podcast email/website].

Stay tuned, and let's make those financial dreams a reality! 💪💰🌈

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!

⁠Book a free 20 minute financial coaching session with us!

Imagine money piling up all over the place. That’s what happens with our Digital Envelope System. The Digital Envelopes are chosen by each person but typically include the emergency fund, home repair, car repair, travel, gifts and more. With our system, you will set up automatic transfers to allot money for each account each month. Then, you’ll sit back and watch each account grow with each paycheck and be super excited because you’re covered whenever something big comes your way.

The Digital Envelope System was born out of a desire to have money available for each need without having to use cash for every item. We don’t recommend this system until you’re very comfortable and disciplined with your budget and sticking to it. That’s because you might find yourself robbing Peter to pay Paul. That’s no good! Once you are ready, however, you’re absolutely going to love this system!

The Digital Envelope System mimics the Cash Envelope System but takes it up a notch. With the cash envelope system, you pull money out of your bank and divide it up into budget items like gas, groceries and personal spending money. Our digital system allows mature budgets to use “Digital Envelopes” to hold the money for all of these items. It also sets up containers for the Savings Buckets (see the podcast published right before this one). 

The Digital Envelope System works with a habit you already have: bank account balancing. That means that you look in your bank app to see if you have money. However, in this instance you will be looking at a specific account to see if you have money for a particular expense. 

It also works with another new human behavior concept: gamification. Gamification applies typical elements of game playing (e.g. scoreboards, rapid feedback, reward structure and more) to other areas of life. In this case, you have a scoreboard every time you open your bank app and you’re in competition with yourself. 

Listen in to learn how to use this system and:

• How to know exactly what you can afford for big and small expenses

• How to know exactly what you have for each category in your budget

• How to separate your bills, expenses and savings 

• How to get excited about saving money

• Exactly how to set up a Digital Envelope System

• How to apply gamification to your money

• How to use this system to save & pay for things like medical copays and pet appointments 

You’re the master of your money, not the other way around. We are teaching you how to have a good relationship with your budget and your money. We want you to feel confident and excited about your financial future!

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!

⁠Book a free 30 minute financial coaching session with us!

Let's face it, we all know we should spend less time on our phones. But how? Below we've got some short & straight-to-the-point tips for how you can spend less time on your phone. 

In this episode we cover: 

✔️ All the depressing but true statistics about your phone usage and how it links to anxiety, poor eyesight, bad parenting and bad sleep for example. 

✔️ How to change your morning & evening routines to exclude your phone 

✔️ How & what things to do NOT on your phone like bills, games, work and more 

✔️ How to use your phone against your phone including usage, notifications and more 

✔️ How to set up no phone zones 

✔️ How to ramp up the time, space & reasons to not be on your phone. 

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!

⁠Book a free 20 minute financial coaching session with us!

Money management & personal finance can be complicated but we want to make it simple & easy for you which is why we are sharing the concept of a digital envelope system with you. This system works with your natural money habits and behavior to help you manage your money responsibly & efficiently. 

In this episode we cover: 

✔️ When you should use cash versus when you should use this system 

✔️ What accounts you should open to manage your money digitally 

✔️ How many accounts (budget categories) you should have open 

✔️ Two key hacks for using “bank account balancing” 

✔️ The exact system to track exactly each budget category for the month by keeping your money in specific accounts 

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 chat with Selena, a devoted volunteer and financial coordinator for a horse rescue nonprofit. Selena’s got a big heart, but she’s feeling the squeeze—both financially and emotionally. She’s been using her personal funds to fill the gaps when the nonprofit struggles, and it’s starting to take a toll. We work together to build a strategy that helps her set boundaries, shift her budget perspective, and reclaim control over her finances. We dive into transitioning from a bi-weekly to a monthly budget system, planning for upcoming expenses, and finding ways to balance giving and self-care.

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 Signature Budget Template!⁠

Are you one of those people who start a budget with the best intentions but just can’t seem to stick to it? If that sounds familiar, this episode is for you. We're diving deep into the world of budgeting, debunking myths, and offering real, tangible solutions to your budgeting struggles.

In This Episode:

- 00:02:15: The truth behind why many of us fail at sticking to a budget and practical steps to change that.

- 00:06:30: Strategies for managing fluctuating incomes – a must-hear for freelancers and those with variable earnings.

- 00:12:20: Preparing for 'unexpected' expenses – they might not be as unpredictable as you think.

- 00:18:45: Balancing indulgences and mindful spending – finding harmony in your financial life.

- 00:25:00: Keeping the motivation alive – tips to maintain momentum in your budgeting journey.

Key Moments:

- Debunking Budgeting Myths: We're tackling common misconceptions about budgeting and setting the record straight.

- Navigating Variable Incomes: Tips and techniques for creating a flexible budget that works with an inconsistent income.

- Anticipating the Unanticipated: Turning sudden expenses into planned events and eliminating financial surprises.

- Mindful Indulgences: How to enjoy your earnings without derailing your budget goals.

- Staying Motivated: Techniques to keep your budgeting journey fresh and focused, ensuring you stay on the path to financial freedom.

Conclusion:

Budgeting isn't about cutting back on everything you love; it's about making smart choices that align with your goals. So, hit play, get inspired, and start transforming your financial future today!

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 this episode, we’re diving deep into the real-life situations from our coaching sessions. We love coaching our clients, hearing their stories, and guiding them to a better financial path. Today, we're bringing those lessons to you, budget besties, so you can apply them directly to your financial journey.Key Takeaways:

1. Spending Guilt is Real—But It’s Not Always Justified:

   • One client felt guilty about some extra spending, but when we broke it down, it was all necessary stuff—back-to-school items, a textbook, and a small trip.
   • Lesson: Sometimes, what feels like “extra” spending is actually just life happening. Don’t beat yourself up over it. Instead, focus on getting organized and having a plan.

2. Don’t Delay Debt Payments—Pay ASAP:

   • Another client received a bonus check but delayed paying off debt, and the money slowly dwindled away through everyday expenses.
   • Lesson: Make those extra debt payments as soon as you get paid. Waiting until the end of the month often means the money will disappear before you can put it towards debt.

3. The Importance of Separate Accounts:

   • Keeping spending and bills separate is crucial. One client used Apple Pay from her bills account by mistake, leading to a budgeting mess.
   • Lesson: Have different accounts for different spending categories and automate transfers whenever possible. This way, your budget won’t get confusing, and you won’t have to track every little thing manually.

4. The Game-Changing Power of a Budget System:

   • A newer client finally set up multiple accounts after delaying for too long. The result? Instant clarity and relief, plus a happy and on-board husband!
   • Lesson: Don’t wait to set up your budget system. It’s a game changer when you know exactly where every dollar is going.

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 this episode, we talk to Katie, a single mom who’s been through the financial wringer but is fighting her way back with a new sense of clarity and empowerment. From juggling credit card debt to navigating unexpected car expenses (two cows, seriously?!), Katie shares her journey of resilience and determination.

💡 What You’ll Learn:

1. Why becoming your own bank is the ultimate financial power move.

2. How to balance the need for a credit card in emergencies with building a solid emergency fund.

3. Practical tips to simplify your financial system and stop living paycheck to paycheck.

4. The importance of saying “no” (to yourself, your kids, and even those Fortnite skins!).

5. The game-changing power of separating bills, spending, and savings into individual accounts.

📋 Katie’s Key Takeaways:

1. Consolidating debt isn’t the final answer, but it can offer breathing room to refocus on long-term goals.

2. Always read the fine print—whether it’s car warranties or gap insurance policies.

3. Making calls and asking questions can save you hundreds (hello, 2% interest rate!).

4. Budgeting isn’t about perfection—it’s about making progress and learning what works for you.

🎯 Actionable Steps for Your Money Journey:

1. Build Your Emergency Fund: Start small but stay consistent. Every dollar adds up.

2. Leverage Savings Buckets: Create mini funds for upcoming expenses, like kids’ activities or holiday spending.

3. Be Intentional with Extra Cash: If you’ve freed up money by reducing payments, funnel it toward your top priorities—emergency fund, debt payoff, or high-interest savings.

4. Teach Your Kids About Money: Use tools like cash or cards (with clear limits) to help them learn budgeting basics early.

5. Plan for Real Life: Make room in your budget for the fun stuff, but don’t forget to plan for the “oops” moments too.

🙌 Katie’s Wins to Celebrate:

1. She consolidated $1,200 in monthly debt payments down to $340!

2. She’s taking control of her finances with a solid budgeting system.

3. Katie’s saying “no” to unnecessary expenses and modeling financial boundaries for her kids.

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 Signature Budget Template⁠

In this podcast episode, we're talking all about how meal planning can be SUPER EASY and SAVE YOU TIME, MONEY & CALORIES!

We've asked Chelsi Jo from the Systemize Your Life podcast to come on and discuss her meal planning system and how it has helped her save money and reduce the stress of figuring out what to cook for dinner. Chelsi is telling us all about her menu board system, which involves creating index cards with meal ideas and their corresponding ingredients. These cards are stored in a recipe box, and each week, Chelsi and her family select meals from the cards based on their schedule and preferences.

This system allows you to involve the whole family in the meal planning process, as it creates buy-in and allows everyone to contribute. This system will not only save you money but also simplify your life by eliminating the constant (and evil) "What's for dinner?" question.

The menu board system is designed to be simple and adaptable. We're bringing easy recipe ideas and encouraging you to recycle meals to reduce waste and keep things uncomplicated. There is a lot of flexibility in the system, allowing for leftovers and occasional dining out. It also works with your busy schedule that might include sports, date nights, travel, work events and more.

Learn about this system on the Systemize Your Life Podcast Episode 08

Read about Chelsi's system in her blog post.

Connect with Chelsi Jo on her website.

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!

⁠Book a free 20 minute financial coaching session with us!⁠⁠⁠⁠⁠⁠ ⁠

Get ready for incredible money stories! 🌟 From beating debt 👊 to spending smart 💰, hear how real people rocked their finances.

Feeling like that could be you? 🤩 Get tips on saving money 🏦, cutting debt 🧹, and talking money with your spouse 👫 in our fun podcast.

💡 What you'll learn:

• Ace that budget together 👐
• Drop credit cards, deal in cash 💳💵
• Free 30-min session to boost your money skills! 📅🚀

Ready to win with your wallet? 🎧 Tune in!

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!  

⁠⁠Book a free 20 minute financial coaching session with us!⁠⁠⁠⁠⁠⁠ ⁠

Just because you’re ready to make a change doesn’t mean your spouse is. In this episode, we talk about the big three reasons your spouse isn’t onboard with financial coaching but these three points can apply to many of the issues you might be facing in your marriage. The main reasons we see spouses shy away from signing up for financial coaching even when one is ready to go are: 

• Money 
• Privacy 
• Shame 

In this episode we cover: 

✔️ How financial coaching is probably the best investment you’ll make with your money both in terms of your financial future and your marriage 

✔️ How confidentiality isn’t necessarily the issue but rather how couples may be hiding financial things from each other 

✔️ How you shouldn’t feel bad for NOT KNOWING WHAT YOU DON’T KNOW (no one likely taught you personal finance) 

✔️ How hiding from financial problems is the real source of self-shaming 

✔️ How budgets can help your marriage Looking for a financial coach? 

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 Signature Budget Template!

Hey, budget besties! In this episode, we dive into the controversial topic of whether kids should start building credit early. We tackle common advice about opening credit cards for teenagers and offer a different approach focused on budgeting and financial literacy. If you're wondering how to guide your kids towards financial success without relying on credit scores, this episode is for you.

Key Points Discussed:

1. Common Advice on Credit Scores for Kids:

2. Many parents and even teachers suggest kids should start building credit early by opening credit cards.

3. We argue this isn't the best approach for financial education.

4. The Problem with Early Credit Cards:

5. Credit card companies and even educators are pushing kids towards credit, often before they're ready.

6. This can lead to financial illiteracy and dependence on credit from a young age.

7. Financial Literacy and Budgeting:

8. Teaching kids how to budget and manage their money is more important than building a credit score.

9. Vanessa shares her approach to setting up bank accounts and automatic transfers for her son's first paycheck.

10. The Military Example:

11. We discuss how military programs often focus on credit scores for new recruits, highlighting a systemic issue with financial education.

12. Changing the Narrative:

13. Instead of focusing on credit scores, we should teach kids to budget, save, and manage their money wisely.

14. Imagine a future where our kids don’t need credit scores because they have learned to save and pay for things in cash.

15. Practical Steps for Parents:

16. Open checking and savings accounts for your kids and teach them about automatic transfers and budgeting.

17. Encourage them to save for big purchases and understand the importance of financial responsibility.

18. Long-Term Vision:

19. By focusing on financial literacy, we can help our kids avoid debt and build wealth from a young age.

20. We envision a future where kids grow up understanding how to manage money without relying on credit.

Takeaways:

1. Teach Budgeting Over Credit Scores: Focus on helping our kids manage their money effectively.

2. Set Up Bank Accounts Early: Guide our kids in setting up and using checking and savings accounts responsibly.

3. Encourage Saving: Help our kids save for their first big purchases, like a car, rather than financing them.

• Big Picture Thinking: Aim for a future where our kids are financially independent and not reliant on debt.

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 with Lauren's discount!

🚀 What if you could pay off $50,000 in debt, pay cash for travel, Christmas, and even college tuition—all in one year? Our guest Lauren did just that using our Simplified Budget System, and today, she’s sharing exactly how she did it!

💡 What You'll Learn in This Episode:

✅ How Lauren went from tracking receipts & feeling behind to having total clarity

✅ The biggest budgeting mistake she made before switching to our system

✅ How she discovered she actually had more money than she thought

✅ Why opening multiple bank accounts changed everything

✅ How she and her husband now budget with ease & less stress

✅ Her #1 favorite budgeting tool that made all the difference

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 Simplified Budget System! It's your key to organizing and optimizing your finances effectively ➡︎ http://budgetbesties.com/lauren

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!  

⁠Book a free 20 minute financial coaching session with us!

Talking about money can be difficult! So many of us were brought up not to talk about money, that it’s taboo. That idea can definitely impact how we communicate about money in our marriage. In this episode we cover:

• How to talk about money 

• How NOT to talk about money

• How to conduct successful budget meetings with your spouse

• How to get your spouse to want to come to the budget meeting

• How to change your mindset so you’re not dreading a budget meeting

• Why you need to keep the budget meeting short

• How to compromise about the budget meeting

• Why dreaming about your financial future will improve your relationship

• How to stop hiding spending or debt from your spouse

• Why you shouldn’t avoid money conversations 

• Money is not taboo, it’s a great tool that you’re going to use to do a lot of good in your life

• You must stop using my, your, his, her, mine in your language

• You should start using our & us

• How to stop stressing about money

• What to do when money is controlling your decisions, your mood and other parts of your life

• Matthew 6:24 “No one can serve two masters. Either you will hate the one and love the other, or you will be devoted to the one and despise the other. You cannot serve both God and money.

• How to come clean about debt, credit cards and other bad money habits so the weight can be lifted off of 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!

⁠⁠⁠⁠Book a free 20 minute financial coaching session with us!⁠⁠⁠⁠⁠⁠⁠ ⁠⁠

Why Reset Your Finances

- At various times throughout the year our finances can become overwhelming and messy.

- Setting financial goals is crucial, but without a clear plan, those goals may remain unattainable.

- Instead of taking action, it's easy to become overwhelmed and overcomplicate matters.

- We have three simple steps to help you reset your finances effectively.

Step 1: Have a Budget Meeting

- Budgeting may seem complex, but it doesn't have to be.

- We recommend scheduling a budget meeting once a month, taking just a fraction of your time.

- This meeting serves a dual purpose:

- Analyzing your financial numbers and planning the month ahead.

- Reconnecting with your dreams, goals, and aspirations, reminding you why you're managing your money.

Step 2: Get on a Budget

- Budgets are versatile and adaptable to individual circumstances.

- The primary goal is to assign every dollar a specific purpose, ensuring full control over your finances.

- Initially, the focus should be on adopting a budgeting habit rather than strict restriction.

- As you become accustomed to budgeting, you can fine-tune your allocations and expenditures.

Step 3: Use Cash for One Line Item

- Despite the convenience of cards, using cash can be a game-changer.

- Start by designating cash for one expense category, such as groceries or dining out.

- Cash forces accountability and discipline, preventing overspending.

- This shift in mindset can help you realize that you're not broke but actively managing your finances.

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 Signature Budget Template!⁠

In today's episode, we're diving deep into a topic close to many of our hearts: the undeniable power and freedom that come from being debt-free. This isn't just about crunching numbers or making budgets work; it's about the profound life transformation that happens when you break free from the chains of debt. We'll walk you through three compelling reasons why eliminating debt should be at the top of your priority list, backed by real-life insights, actionable strategies, and a touch of inspiration to fuel your journey towards financial freedom.

What We Cover:

1. The Emotional Toll of Debt: We start by shedding light on the often-overlooked emotional burden that debt brings into our lives. From stress and anxiety to its impact on relationships and daily happiness, we discuss the importance of recognizing and addressing this weight to improve your overall quality of life.

2. The Freedom to Choose: Next, we explore how debt limits your choices and impacts your ability to make decisions about your future. We'll talk about the joy and liberation that come with regaining control over your finances, allowing you to make choices based on what you truly want, rather than what you owe.

3. Dreaming Big Without Debt: Finally, we dive into the most exciting part – how becoming debt-free enables you to pursue your biggest dreams and aspirations. Whether it's traveling the world, starting your own business, or simply enjoying a more peaceful, fulfilling life, we discuss how financial freedom is the key to unlocking these possibilities.

Closing Thoughts:

This episode is all about empowering you to take the first steps towards a debt-free life, not just for the sake of your bank account, but for the sake of your dreams, your peace of mind, and your ultimate happiness. Remember, the journey might be challenging, but the destination is worth every step.

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!

⁠Book a free 20 minute financial coaching session with us!

>>> Click here to get our 14 Day Sheet Pan Cookbook (1 dish + 7 Ingredients or less!) <<<

What would your life have been like if you had mastered your relationship with food when you were 17?

What if you had learned that certain foods are making you feel terrible and decided to be done with them….when you were 17?

What if you’d figured out that your friends were not bringing out the best in you? What if, when you were 17, you’d learned that certain relationships were holding you back? That certain relationships weren’t serving you and that it was okay to move on? How would your life be different?

These lessons and more are what we’re talking about in this episode. It’s okay if you were today-years-old when you realized these things. The most important thing is that you listen in and take these lessons to heart because they’re true for you too. Listen now to see how to apply these things to your life today. We’re covering:

• How meal prep & meal planning are not complicated
• Some easy ways to hack eating healthy & on the go
• How to make it so there’s not a lot of dishes when you meal prep
• How to know if certain foods are making you feel bad
• How to pick foods for a meal plan so you don’t feel sad and deprived
• How your friendships can either help or hinder your goals
• Why it’s okay to change up your inner circle when you’re growing as a person
• How your friends can make you gain weight
• How you have to change your mindset to believe in yourself
• How your body is strong and capable of doing hard things

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!

Today, we're super excited to share our personal Christmas lists and gift ideas. With the holiday season in full swing, it's the perfect time to get inspired for your own shopping or wish list.

First, a quick reminder: if you're still planning your holiday budget, grab our Christmas Budget Planner at budgetbesties.com/2023Christmas. It's an excellent tool to keep your finances in check during this festive season.

You can see our entire list here.

Now, let's dive into our lists!

What We're Asking For This Christmas:

Vanessa:

1. Standing Mat: Essential for our at-home client sessions. It helps keep the backaches at bay while standing.

2. Shower head Filter: A step towards cleaner, softer water. It's a budget-friendly alternative to a full home filtration system.

3. Kitchen Makeover: A big wish! Including new kitchen lights, a large beam, and bricking an archway. A combined gift for Vanessa and her husband, Marc.

Shana:

1. Planners: The full focus planner is a must-have for staying organized.

2. AirPods: A replacement for her malfunctioning ones.

3. Running Shoes: Shana prefers Topo shoes for their wide toe box and minimal cushioning.

4. Multi-Device Charging Stand: To keep all gadgets in one place without the clutter of cords.

What We're Gifting This Year

Vanessa:

1. Durable, Cute Lunchboxes for Our Daughters: Functional and stylish, perfect for school.

2. Earrings: A personal favorite, Vanessa loves gifting unique earrings.

3. Xbox Controllers for Her Son: An inevitable need with avid gamers in the house.

4. Pet Carrier: For safer four-wheeler rides with her dog.

Shana:

1. Flashlight: It's the Ultimate Flashlight Dad will absolutely love!

2. Carseat Gap Filler: It fits between the carseat and console so things don't get lost in the abyss ever again.

3. Kid-size YETI Water Bottle: It's tougher than any other water bottle AND it fits in cup holders!

4. Pop It Tetris Puzzle: Super-affordable, compact, durable, and oh-so-satisfying, this silicone sensory game is a hit from kids to adults.

Remember, the key to a great Christmas gift is thoughtfulness and utility. Our choices this year reflect our personal preferences and practical needs, and we hope they inspire you too. Don't forget to email us at info@myidealbalance.com with your fantastic gift ideas.

For more details on the items we mentioned and to get our Christmas Budget Planner, head over to budgetbesties.com/2023christmas. Happy holiday planning!

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!

⁠Book a free 20 minute financial coaching session with us!

Join us for a fun guest podcast interview we did with Samantha Brown. We talk everything from friendship to business to home organization. Listen to hear about:

• What pretend progress is & how to fix it
• How women don’t give ourselves credit for what we are doing. Instead we jump to the next thing.
• How exactly our friendship led to business together. How we work together being very different (we’ve never had sisters before).
• How the Total Money Makeover and a trip to Portugal changed Vanessa’s life.
• How personal training turned into life coaching for Shana.
• How we do home organization together.
• How we have totally screwed up hiring personal assistants a few times.
• How impatient we are as business owners.
• How things have to be messy before they get better. This goes for fitness, for your money issues, for home organization and business!
• What a Level 10 Life is. It comes from the popular Life Wheel exercise coaches.

Go to this link to see some of our before & afters for home organization.

Find out more about Samantha Brown here or on Instagram. She helps folks turn their organizing obsession into a chic, profitable business. 

Grab our free guided life coaching session - > https://budgetbesties.com/guidedsession

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! 🎙️

In today’s episode, we’re diving into something we hear all the time — you’ve tried the Dave Ramsey method, but still feel like something’s missing when it comes to the actual budgeting part. We get it! Dave’s method is great, but it doesn’t always answer the real-life, day-to-day money questions like: “What do I do with the random stuff that keeps popping up?” or “How do I handle paychecks that come in right at the end of the month?”

This episode breaks down:

• Where the Dave Ramsey method stops, and where our budgeting system starts: We love Dave’s Baby Steps, but budgeting is more than just steps – it's knowing where your money is going and having systems in place to deal with everyday expenses.
• Budgeting for ‘Miscellaneous’ expenses: If you’ve ever been caught off guard by last-minute purchases like charcoal for the grill or weed killer for the yard, this one’s for you. Spoiler: those expenses aren’t random at all – they happen all the time! We teach you how to plan for them on purpose.
• How to handle bills when paychecks fall at the end of the month: Should you use your August 30th paycheck for your September bills? (Hint: Yes! And we explain why you should always aim to be a paycheck ahead.)
• Debt snowball strategy: If you’re wondering when to make extra debt payments, the answer is NOW. Don’t let that extra money hang around—pay off that debt as soon as you get the funds. We’ll explain how this keeps you on track and out of temptation.

Key Takeaways:

1. Plan for "Random" Expenses: Items like weed killer or smoker charcoal aren’t surprises, so stop treating them like it! Plan for these in your budget and avoid the frustration.
2. Use Your Paycheck at the End of the Month to Fund Next Month: Getting paid on August 30th? Use that check for September’s bills. The goal is to always be a paycheck ahead so you’re never scrambling.
3. Pay Debt Every Paycheck: Don’t wait for the end of the month to make a big payment on your debt snowball. Every paycheck should chip away at it — this keeps the momentum going and avoids the risk of spending that money elsewhere.
4. Separate Spending and Bills Accounts: The easiest way to stay organized is to separate your bills from your spending. Trust us, this one change can make all the difference!

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 Signature Budget Template!⁠

We're beyond thrilled today as we chat with the extraordinary Kali Brigham, a role model in balancing career, family, and personal growth. Kali is not just a business savant but also a dedicated mom, a wife, and an accomplished violinist. Her journey from being a top TV producer to achieving the number one spot in Mary Kay in 2020, all while nurturing her faith and family, makes her the perfect guest to dive into the art of time management.

Key Points Discussed:

1. Balancing Multiple Roles: Kali shares her experience in handling various roles, offering valuable insights for our audience of busy moms and entrepreneurs.
2. Time Management Techniques: Learn about the "Sunday brain drain" and other practical tips for organizing your week.
3. Setting Priorities: Kali emphasizes the importance of aligning activities with personal and family values.
4. Delegating Effectively: Discover how to identify tasks that can be delegated to others, including family members.
5. Maintaining Personal Well-being: Kali stresses the significance of self-care and setting aside time for personal rejuvenation.

Kali's approach to time management is a blend of practicality and wisdom. Her strategies are not just about managing schedules but also about understanding the deeper implications of our choices on our personal and professional lives. This episode is a treasure trove of advice for anyone looking to balance the demands of work, family, and self.

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Be sure to get your FREE BRAIN DRAIN and WEEKLY PLAN SHEET printable HERE

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 Join the Tick Tock Tribe: Click HERE to become part of Kali's vibrant community on Facebook.

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 Tune In--- Subscribe, Rate, and Share: If you find value in this episode, be sure to subscribe, rate, and share the Tick Talk Podcast. Help us spread the wisdom of intentional time mastery.

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Check out more about Kali: www.kalibrigham.com.

Let's chat: hello@kalibrigham.com.

DM on IG: @kali.brigham or @theticktalkpod

Stay Inspired: Kali's story is a testament to the power of intentional living. As you navigate your busy life, remember her advice to prioritize, delegate, and most importantly, cradle the things that matter most.

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!

⁠⁠⁠Book a free 20 minute financial coaching session with us!⁠⁠⁠⁠⁠⁠⁠ ⁠

In this podcast episode, we address a common concern shared by many when it comes to personal finances - the fear of facing your real financial reality. We acknowledge that it can be daunting to confront your numbers, especially if you're unsure about where you stand financially. However, we are here to provide guidance, offer valuable insights, and help you overcome this anxiety surrounding your finances.

1. Understanding Your Financial Landscape:

We emphasize the importance of understanding your financial situation, especially if you're dealing with financial stress after a significant life event like a divorce. It's crucial to know where you stand regarding income, expenses, assets, and liabilities.

2. The Power of Net Worth:

We introduce the concept of net worth as a powerful tool to assess your financial health. Net worth is calculated by subtracting your liabilities (debts) from your assets (everything you own with value). It provides a snapshot of your financial standing.

3. Signs of Financial Stress:

We discuss common indicators of financial stress, such as excessive debt payments or the inability to save money regularly. If you find yourself spending more on debt than anything else each month, it's a sign that your financial situation needs attention.

4. Taking Control Through Budgeting:

Budgeting is a key step in regaining control of your finances. We encourage you to create a budget that lists your income, expenses, and financial goals. Budgeting allows you to allocate your resources purposefully and avoid overspending.

5. Confronting Your Fears:

We understand that looking at your financial situation can be intimidating, akin to having your head in the sand. However, we emphasize that ignoring financial issues only makes them worse over time. It's essential to confront your financial reality and start the journey toward financial stability.

6. Embrace Your Beginner Status:

We remind you that it's okay to be a beginner in managing your finances. Everyone starts somewhere, and it's crucial to give yourself permission to learn and grow in this area. Financial improvement is possible with consistent effort.

In conclusion, don't let financial anxiety and money stress hold you back. Confronting your financial situation is the first step toward regaining control and achieving financial peace. Embrace the journey, and remember that even millionaires started as beginners. Take the time to assess your net worth, create a budget, and start making intentional financial decisions. Your financial future is within reach.

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!  

⁠Book a free 20 minute financial coaching session with us!

If you’ve ever had months where it seems like every piper has come to be paid, this is the tool for you! Sinking funds will help you to alleviate those months where it seems like the property taxes are due and two birthdays are coming up and for some reason it’s also the month Amazon Prime renews. Gross! Saving money is something everyone wants to do! But how? Bank accounts, cash envelopes, emergency funds, between the mattress? We've got you covered!

In this episode we cover: 

✔️ What a sinking fund is 

✔️ Why you need a sinking fund 

✔️ Examples of FUN sinking funds (saving for vacation) 

✔️ Examples of regular ol’ adulting sinking funds (car maintenance) 

✔️ How to brainstorm, plan and budget your unique savings goals with sinking funds Where to put your money when you’re saving it whether you’re new or disciplined with budgeting.

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 Signature Budget Template⁠!

Hey there, lovely listeners! 🎧 Today we're back with a story from our clients Jordan and Rosi, a couple from Michigan.

They talk about how they initially had concerns about working with a coach, such as the coach being too strict or not tailored to their needs, as well as the cost. Spoiler alert: those concerns didn't come true, and they found the coaching experience to be positive and tailored to their unique situation.

They discuss the importance of setting up budgeting buckets and how it has helped them save for various expenses, making their financial management less stressful. Rosi enjoys having her own spending money and Jordan appreciates having a clear plan for their finances.

The couple also highlighted their biggest win, which was improving their communication about money. They used to have heated arguments about finances, but now they can discuss their financial goals in a healthy and pleasant way.

They're also telling you about what they've done to pay off $16,000 in debt while still spending, traveling and paying for fantasy football.

1. Mindfulness & Financial Clarity: Ever wondered how budgeting can change your life? We dive deep into how it made Jordan & Rosi more mindful and laser-focused on their financial goals. Plus, they spill the beans on his 'saver' tendencies and her 'spender' enthusiasm!

2. Teaching Kids About Money: Get ready for a dose of parenting wisdom as they share how they've started educating their kiddos about money.

3. Switching to Debit Cards: Say goodbye to credit card stress! We'll walk you through their decision to switch to debit cards and why it's made them happier and less worried about their finances.

4. Teamwork & Marriage Improvement: Listen to Jordan and Rosi's story about the magic that happens when you work together as a team to manage your money.

5. Incorporating Faith into Finances: Their faith is a cornerstone of their journey, and they share how it's played a pivotal role in their financial success.

6. Encouragement for You: Feeling stuck or overwhelmed by money? We've got your back! Listen to their heartfelt advice as they encourage you to seek financial coaching, tackle money issues in your relationships, and collaborate with people who are honest and who truly care.

7. Feeling Content: Sacrifices are part of the journey, but guess what? They feel content with the amount they have to spend and the amount they are saving, and you can too!

8. Investment in Ourselves: Find out why Rosi & Jordan see financial coaching as an investment in themselves and their marriage, and how it's paying off in more ways than they could have imagined.

So, grab your favorite beverage, get comfy, and let's chat about real-life finances, parenting hacks, and how faith can fuel your financial journey. We're here to inspire you to take control of your finances and create a life you love. 🌟

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!

⁠Grab Our Signature Budget Template Now!⁠

Where you keep your savings money is important! Today we have all the tips & tricks about where to keep the money you've set aside for an emergency. Why? It needs to be accessible, but not too accessible, right? And it might as well be earning you a little bit of money!

• Why you should separate the emergency fund from everyday accounts to avoid using it for non-emergencies.
• How one client used money from the emergency fund to buy sheep. Sheep are not an emergency.
• Why you might keep the emergency fund in a different bank to make it harder to access and reduce temptation.
• Why a buffer in your savings (not emergency fund) account might be a good idea.
• How to access the emergency fund if it's in a different spot.
• Why a money market account, which typically offers higher interest rates than regular savings accounts, is a great option for your emergency fund.
• How to shop around for banks that offer high-yield savings accounts or money market accounts for their emergency fund.
• How investments are different from the emergency fund.
• How to make a good decision about using your emergency fund.

Atomic Habits By James Clear

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!

It’s the beginning of the month which means we’re telling you exactly how we did on the goals we set for last month. We are walking you through the goals we set, how we did or did not achieve them without feeling guilty or overwhelmed. 

In this episode we cover: 

✔️ How to set goals that are realistic 

✔️ Why your goals don’t always have to be BIG and achievement-based 

✔️ How to align your goals with who you want to be 

✔️ How to use habit stacking to achieve goals 

✔️ How to break down goals so they become achievable 

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 Signature Budget Template! Hey Budget Besties!

In today's episode, we're tackling the all-too-familiar struggle of living paycheck to paycheck. If you're tired of feeling like your money is already spent before you even get it, this episode is for you. We're breaking down our simple and effective paycheck planning system that will help you take control of your finances, ensuring that you know exactly what to do with your money each payday.

Key Takeaways:

1. The Problem: Living paycheck to paycheck is a common issue. Many of us earn enough money but still feel financially strapped because we're not managing our paychecks effectively.

2. Mindset Shift: It’s not that you’re bad with money; you just need a better system. Our method helps you see your finances clearly and plan intentionally rather than reacting to financial stress.

3. Monthly Budget: Start by creating a monthly budget. This gives you a bird’s-eye view of your finances, helping you allocate your income across all your expenses, debts, savings, and spending categories.

4. Simple Categories: Our budget system is straightforward, focusing on five key areas: income, debts, bills, spending, and savings. This simplicity makes it easy to follow and stick to.

5. Separate Accounts: Set up separate accounts for different spending categories like groceries, gas, and pocket money. This helps you manage your money more effectively and ensures you always have funds for what you need.

6. Automatic Transfers: Automate your finances by setting up automatic transfers on payday. This way, your money is allocated to the right places without you having to think about it.

7. Paycheck Planning: Divide your expenses evenly across your paychecks. This prevents the feast-or-famine cycle and ensures that all your needs are consistently met.

8. Get One Paycheck Ahead: Aim to have your last paycheck of the month cover the upcoming month's expenses. This creates a buffer and reduces financial stress.

Action Steps:

1. Create a Budget: Use our free budget template to get started.

2. Set Up Accounts: Open separate accounts for different spending categories to keep your finances organized.

3. Automate Transfers: Set up automatic transfers on payday to ensure your money goes where it needs to go.

4. Implement the Plan: Follow the paycheck plan to manage your expenses evenly and avoid financial stress.

5. Build a Buffer: Work towards having one paycheck ahead to further ease financial strain.

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 Signature Budget Template! Hey Budget Besties! 🎉

In this episode, we dive into the nitty-gritty of managing finances, especially when life's curveballs come your way. From adjusting to income changes, teaching your kids the value of money, to getting on the same financial page with your spouse, we’ve got a packed session of tips and real-life advice for you. Let’s get into it!

Key Topics:

1. Stealing from Your Bills Account?

2. Ever find yourself dipping into your bills account for “funsies”? Learn why it’s crucial to keep that money sacred and how to discipline your spending habits.

3. Transitioning Income Levels:

4. Shana and Vanessa share their insights on managing finances when your income is changing. Whether you’re moving from a full-time job to freelance work or dealing with seasonal income, we’ve got strategies to help you stay on track.

5. Teaching Kids About Money:

6. How much should your kids be responsible for financially? Discover practical ways to balance lessons in financial independence with giving them a helping hand, and why it’s important not to let grandma’s gifts cover daily expenses.

7. Couples and Money Management:

8. Not on the same page with your partner about finances? We discuss the importance of teamwork in budgeting and how to ensure both partners are involved in financial decisions.

Real-Life Client Stories:

1. Grandma’s Generosity:

2. Hear about a family debating whether to use grandma’s money for daily expenses or save it for bigger future goals.

3. Teen Independence:

4. Learn from a family struggling to teach their son financial independence despite a busy sports schedule.

5. Overworked Firefighter Family:

6. A look into the life of a family relying on inconsistent income and how they manage extracurricular activities on a tight budget.

7. Army to Civilian Life:

8. How a military family prepares for a major income transition and prioritizes debt repayment.

Practical Tips:

1. Leave Your Bills Account Alone:

2. Discover why carrying your bills account debit card can be a financial trap and our quirky tips to avoid unnecessary spending.

3. Communicate with Your Partner:

4. Tips on how to have productive financial discussions and make budgeting a team effort.

5. Planning for Inconsistent Income:

6. Learn how to budget based on minimum income and handle bonuses or tax returns effectively.

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 Signature Budget Template!

Hey, Budget Besties! 🤑

In this episode, we’re diving deep into the intersection of love and money with James Christensen, a marriage therapist from California. He’s here to help us navigate the often icky topic of finances in relationships. Trust us, you don’t want to miss these nuggets of wisdom! 💡

What We Covered:

1. Complaint to Request: James teaches us the magic of transforming complaints into positive requests, making communication with our partners way more effective.

2. Shared Vision: The importance of dreaming together as a couple and aligning your financial goals. It’s all about building a future that excites you both!

3. Calm Conversations: How to calm down and address money issues without letting past baggage get in the way. It's about shifting from survival mode to collaboration mode.

4. Handling Disagreements: James shares how to handle it when your partner disagrees with your financial choices—hint: it’s all about respect and making space for each other's priorities.

5. Vulnerability & Love: Why being financially vulnerable with your partner is crucial for a strong, long-lasting relationship. Spoiler alert: Love really is the easiest way to live. ❤️

Key Takeaways:

1. Money isn’t just about numbers; it’s deeply tied to emotions and past experiences.

2. Your relationship will thrive when you make room for all of your partner, not just the parts that align with you.

3. A great marriage is built on shared dreams, mutual respect, and the willingness to grow together.

Want to learn more from James? Check out his website at therapyjames.com where he offers both therapy and coaching. His book list is a must-see for anyone looking to improve their relationships. 📚

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.

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⁠Snag Our Signature Budget Template!⁠

In this heartfelt episode, we welcome Celeste, a guest from Indianapolis, who shares her relatable journey of facing financial challenges head-on. As a mom and HR professional, Celeste opens up about her struggles with debt accumulation, the allure of credit cards, and her pursuit of financial freedom. Our conversation dives deep into practical strategies for breaking the cycle of debt, the importance of mindset shifts, and how intentional budgeting can lead to life-changing results. Join us as we explore the power of self-awareness, disciplined spending, and the collective journey towards financial well-being.

• Celeste’s Background: A peek into Celeste's life as a mom, her professional role in human resources, and her courageous move from aspirations of being a California girl back to the Midwest, due to financial practicality.
• Finding Connection: How Celeste discovered our podcast while seeking guidance on budgeting and debt management, resonating with our relatable content and approach to financial education
• The Debt Dilemma: Celeste’s candid recount of her debt journey, highlighting the pitfalls of credit card consolidation, the unexpected expenses of homeownership, and the reality of managing finances with a growing family.
• A Shift in Strategy: Insights into the psychological and practical shifts needed to escape the debt cycle, including the tough realization about credit card dependency and the importance of intentional spending
• Practical Financial Steps: Discussion on the significance of separating spending from bills, utilizing multiple bank accounts for clear financial organization, and the concept of “paying yourself first” to ensure expenses are covered without resorting to credit.
• Community and Support: The episode emphasizes the importance of not going through financial challenges alone, highlighting stories from both the hosts and Celeste that illustrate common struggles and victories in financial management.
• Looking Ahead: Celeste’s vision for the future, including conversations about merging finances with her husband for a united front against debt, and the inspiring possibility of becoming mortgage-free and financially empowered in a few years. Celeste's story is a powerful reminder that financial wellness is within reach with the right mindset, tools, and community support. Her journey from feeling overwhelmed by debt to taking actionable steps towards financial

🌟 4 Fantastic Ways to Connect with Us 🌟

Snag Our Signature Budget Template!

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!

Exclusive for our listeners, grab our Signature Budget Template for $100 off! Use code: BF100 at checkout.

Welcome back to our Christmas Budgeting Series! In today’s episode, we're embracing the minimalist mantra of "less is more" in holiday gifting.

Episode Highlights:

• Ditching Dust Collectors: We discuss moving away from 'just because' gifts that end up as clutter.

• Value Over Volume: How to choose gifts that add to the life of the recipient rather than their piles of stuff.

• Curio Cabinet Cautionary Tales: We share personal stories about the well-intentioned gifts that become dusty displays, and how we can learn from them.

Today's Takeaway:

Opt for gifts that are meaningful and will be used. We're decluttering one meaningful present at a time!

Defining Clutter-Free Gifts:

We define what a clutter-free gift really means and how to ensure your gifts don’t end up in the graveyard of unwanted items.

Clutter-Free Gift Ideas:

1. Experience Gifts: Tickets to amusement parks, bowling alleys, escape rooms, or movie nights.

2. Memberships & Subscriptions: Disney Plus, Hallmark movie subscriptions, Audible, gym memberships, and meal planning services.

3. Service Gifts: Spa days, haircuts, personal chef services, car detailing, or even financial coaching.

4. Consumables: Gourmet mustards, coffee, chocolates, essential oils, and soaps—gifts that can be enjoyed and used up.

5. Classes: Art, dance, martial arts, cooking, or scuba lessons—perfect for engaging and expanding horizons.

Resources:

Check out our podcast series webpage for our full list of 100 clutter-free gift ideas and our Christmas budget planner.

We hope these clutter-free gift ideas inspire you to give presents that will be cherished without adding to the clutter. Tune in tomorrow for more festive insights in our holiday series!

Snag 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:

1. Why most budgets fail and how a budget system makes all the difference.

2. Michelle’s journey from financial chaos to clarity—and how she’s finding freedom through coaching.

3. How to manage money in a way that honors God and brings peace to your family.

4. Practical steps to simplify your finances without sacrificing the things you love.

Don’t Miss:

1. Michelle’s laugh-out-loud story of how she “stalked” us to become her coaches!

2. The power of financial coaching to shift your mindset and create lasting habits.

3. 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:

1. 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!  

Snag Our Signature Budget Template!

Hey Budget Besties! 💸 In this episode, we're sharing some of the most inspiring breakthroughs from our recent coaching sessions with clients who run their own businesses. From realizing hidden income to creating clear, actionable plans for debt payoff and business growth, these stories are packed with lessons on financial empowerment.

Key Takeaways:

1. Own Your Income: One client, a hardworking massage therapist, discovered she had an extra $1,500 to put towards debt by simply accounting for all her income—including cash tips!

2. Plan with Purpose: A hairdresser learned the power of giving every dollar a job, especially the cash that often gets overlooked. By pulling all her income together, she’s now making serious strides toward financial freedom.

3. Prioritize Goals: For a lawyer with fluctuating income, we set a clear roadmap: first tackle the interest-free debt, then build a buffer, and finally, pay off more credit cards. It's all about setting priorities!

4. Separate Business from Personal: A cleaning business owner found peace of mind by separating her business and personal finances, finally knowing exactly what she needs to bring in to cover her costs.

5. Save for Growth: Our softball coach client wanted to invest in a $4,000 business coaching program. Instead of diving into debt, we set up a savings plan, making sure every extra dollar goes toward this future investment.

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 Signature Budget Template⁠!

Hey, financial fabulistas! Get ready to dive into the rollercoaster🎢 world of money. Today, we're diving into seven oh-so-common money traps that we ladies often fall into – and how to sashay 💃 around them like the financial queens we are! Let's turn your financial journey from "meh" to "marvelous" with some real-talk advice and actionable steps!

👛 Mistake 1: The 'Budget? What's That?' Blunder

- Let's chat about why budgeting feels like a monster under the bed and how avoiding it can really throw your wallet off balance.

- Solution Station: Let’s buddy up with budgeting! We’ll show you some super simple, downright fun tools and templates that make budgeting feel like a breeze.

💸 Mistake 2: The 'I Thought I Had More' Miscalculation

- Ever felt like you're not putting enough in the piggy bank? We're diving into the tricky trap of under-budgeting and its ouchy outcomes.

- Solution Station: Time for some regular money dates with your budget! We're talking realistic spending limits that don’t feel like a straightjacket.

🛍️ Mistake 3: The 'Just Couldn't Resist' Impulse Buy

- Ever been lured by that spontaneous purchase? We're exploring how these unplanned splurges can send your financial plans off the rails.

- Solution Station: We've got some neat tricks up our sleeve, like the 24-hour "think it over" rule and a nifty budget impact analysis.

💬 Mistake 4: The 'Let’s Not Talk About It' Money Chat

- Discussing finances with your partner can feel like walking on eggshells, right? But it’s super important.

- Solution Station: Turn budget talks into date nights! Seriously, it’s a game-changer. Make financial planning fun and cozy.

💳 Mistake 5: The 'Swipe Now, Stress Later' Credit Card Conundrum

- Let’s dissect why relying on credit cards like they’re your BFF can backfire big time.

- Solution Station: We're schooling you on using budgeting as your secret weapon against credit card chaos.

😳 Mistake 6: The 'I'm Not Good at This' Guilt

- Feeling shame about where you are with your money smarts? You're not alone.

- Solution Station: It's time to embrace the journey! Everyone starts somewhere, and learning about finances is definitely a 'patience and persistence' kind of deal.

🌟 Wrap-Up:

There you have it, ladies – seven classic money oopsies and how to elegantly sidestep each one. Remember, managing your moolah is a skill, and like any skill, it takes a bit of practice, some laughs, and a whole lot of patience. Let's turn those financial faux pas into fabulous wins. You’ve got this! 💪💖💰Want more?

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!

Book A Free Financial Coaching Call! Hey Budget Besties! 🌟 In this episode, we dive into real-life success stories from our amazing clients, sharing lessons that can help YOU with your monthly budgeting and financial behaviors. We’ve got some fantastic takeaways, from managing irregular income to avoiding the feast-or-famine cycle. Join us as we explore these inspirational journeys and practical tips to take control of your finances!

Key Topics:

1. Planning Irregular Income:

2. Shana shares about a lovely couple with a family timber business. They received significant checks a few times a year but struggled to manage the funds effectively.

3. Key Takeaway: Plan your money before it comes in. They allocated funds for taxes, travel, home, medical expenses, annual bills, and debt repayment.

4. Intentional Budgeting:

5. Vanessa emphasizes the importance of budgeting, no matter how big or small the income.

6. Key Takeaway: Intentional planning helps prevent money from slowly disappearing. Know where every penny is going.

7. Understanding Financial Products:

8. Shana's client was confused about a "credit builder" product she didn’t understand.

9. Key Takeaway: Don’t invest in or use financial products you don’t fully understand. Focus on managing debt to improve credit.

10. Building a Financial Cushion:

11. Vanessa talks about the importance of having a buffer in your bills account to avoid the feast-or-famine feeling.

12. Key Takeaway: Save up to a half-month’s worth of expenses to ensure all bills are covered comfortably.

13. No Judgment Zone:

14. We address the emotional aspect of financial coaching, emphasizing that there’s zero judgment here.

15. Key Takeaway: Focus on future goals and positive progress rather than past mistakes. Shame and regret are counterproductive.

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!