Financial Coaching for Women: How To Budget, Manage Money, Pay Off Debt, Save Money, Paycheck Plans

We walked through a real-life case study of a totally normal family — married, two kids, busy jobs, travel sports — bringing in $16,000 a month but carrying over $300,000 in debt (not including their mortgage) with $6,300 in minimum payments alone. After a tough season of loss and emotional spending, things spiraled. She had 34 debts and felt suffocated. But in just six months of coaching — without increasing their income — she paid off 11 debts and $30,000 total, reduced minimum payments by nearly $1,000 a month, got a full paycheck ahead, and finally created breathing room in her budget. And no, she didn’t stop living her life to do it.

What made the difference? She did the work. She closed credit cards, called lenders to lower payments, refinanced a car, sold things around the house, negotiated bills, separated business and personal finances, and got intentional about side income for a season. She stopped reacting and started planning ahead with savings buckets — even setting up separate accounts for kids’ sports and annual expenses. The biggest shift wasn’t just financial, it was mental clarity. Once the system was built, it ran — and she didn’t have to track every penny anymore. Budget besties, this is what happens when you pair a clear plan with consistent action. It’s not about perfection — it’s about progress, and it’s absolutely possible for you too.

Let’s Take Our Relationship To The Next Level:

1️⃣ Facebook Group ➡︎ budgetbesties.com/facebook

2️⃣ Be on the Podcast ➡︎ budgetbesties.com/livecall

3️⃣ Private 1-on-1 Coaching. ➡︎ budgetbesties.com/coaching

This podcast is for educational and informational purposes only and is not personal financial, legal, or tax advice.

This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase.

How to Budget for Quarterly and Annual Bills Without Stress | 555

Mon, 20 Apr 2026 05:15:00 -0400

This week, we pulled two real questions from our Facebook group, and they both came down to one thing: savings buckets. We’re talking through how to save for something coming up in just a few months, what to do when quarterly or annual bills pop up, and why you do not need to track every single dollar in your account at every moment.

If you’ve ever wondered how to make short-term savings goals work inside your budget, how to pay bills from savings buckets, or how to stop stressing about check dates and bill dates, this episode is for you. We’re keeping it simple, practical, and way less overwhelming.

Let’s Take Our Relationship To The Next Level:

1️⃣ Facebook Group ➡︎ budgetbesties.com/facebook

2️⃣ Be on the Podcast ➡︎ budgetbesties.com/livecall

3️⃣ Private 1-on-1 Coaching. ➡︎ budgetbesties.com/coaching

This podcast is for educational and informational purposes only and is not personal financial, legal, or tax advice.

This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase.

Marriage and Money: How to Stop Fighting and Start Budgeting Together | 554

Fri, 17 Apr 2026 05:15:00 -0400

Why do smart, hardworking couples who make good money still end up stressed, stuck, and fighting about money every month?

In this episode, we’re getting real about what’s actually going wrong for so many couples. It’s usually not a lack of effort. It’s not laziness. And it’s not because they “should know better.” More often, it’s an organization problem, not an income problem.

You’ll hear real stories from couples who were tired of guessing with money, avoiding the numbers, relying on credit cards, and carrying tension into their marriage. Then everything started to change when they finally got a system, a plan, and a way to communicate without money talks turning into conflict.

This episode is full of honest, relatable moments about what happens when couples stop winging it and start working together. From paying off debt to building savings to finally feeling calm, these stories show what’s possible when we stop shooting from the hip and start budgeting with intention.

Let’s Take Our Relationship To The Next Level:

1️⃣ Facebook Group ➡︎ budgetbesties.com/facebook

2️⃣ Be on the Podcast ➡︎ budgetbesties.com/livecall

3️⃣ Private 1-on-1 Coaching. ➡︎ budgetbesties.com/coaching

This podcast is for educational and informational purposes only and is not personal financial, legal, or tax advice.

This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase.

Business Budget Basics: How to Stop Playing Catch-Up & Finally Get Ahead | Lessons from the Sessions | 553

Wed, 15 Apr 2026 08:20:00 -0400

In this episode, we’re talking about what it really costs to run a business and why savings buckets are not a one-time thing. They are a revolving door. Money goes in, money comes out, and that cycle is what keeps us prepared for the real expenses that pop up all year long.

We walk through examples from two very different businesses, an equestrian business and a restaurant, to show how unpredictable expenses, vendor payments, payroll, supplies, and seasonal changes can create stress when everything is living in one account.

We also break down why your business budget is not the same thing as bookkeeping, why separate accounts can make your finances feel so much calmer, and how getting even a little ahead can completely change the way you run your business.

This episode is for any budget bestie who is tired of reacting, scrambling, and hoping it all works out month to month. We want you to feel organized, clear, and confident about where your money is going.

Let’s Take Our Relationship To The Next Level:

1️⃣ Facebook Group ➡︎ budgetbesties.com/facebook

2️⃣ Be on the Podcast ➡︎ budgetbesties.com/livecall

3️⃣ Private 1-on-1 Coaching. ➡︎ budgetbesties.com/coaching

This podcast is for educational and informational purposes only and is not personal financial, legal, or tax advice.

This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase.

Why Your Money Feels Disorganized (And How to Finally Fix Your Budget) | 552

Mon, 13 Apr 2026 08:15:00 -0400

Budget besties, if your money feels messy, scattered, or impossible to keep up with, this episode is for you. We’re answering real questions from our Facebook community about what makes money feel so disorganized and how to fix it in a way that actually works in real life.

We talk about why one big savings account creates confusion, how separate savings buckets can bring instant clarity, why goals matter more than most people realize, and what to do when you feel overwhelmed, behind, or stuck in credit card chaos. We also dig into how to handle money conversations with your partner and why simplifying your banking setup can make budgeting feel so much easier.

This conversation is practical, honest, and full of the kind of mindset shifts that help us stop avoiding our money and start giving it a job.

Let’s Take Our Relationship To The Next Level:

1️⃣ Facebook Group ➡︎ budgetbesties.com/facebook

2️⃣ Be on the Podcast ➡︎ budgetbesties.com/livecall

3️⃣ Private 1-on-1 Coaching. ➡︎ budgetbesties.com/coaching

This podcast is for educational and informational purposes only and is not personal financial, legal, or tax advice.

This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase.

Why Smart Women Still Struggle to Budget and How to Finally Take Control Without Shame | 551

Fri, 10 Apr 2026 05:15:00 -0400

In this episode, we talk with a woman who is successful, educated, and fully capable in every other area of life, but still feels completely out of control with her money. And honestly, that is something so many of us can relate to.

We get into the truth about why budgeting can feel so hard, especially when your money is spread across multiple accounts, cards, apps, and payment platforms. We also talk about the guilt and shame that can show up around budgeting, and why beating yourself up is not the answer.

This conversation is a reminder that you do not need a complicated spreadsheet or a restrictive plan to manage your money well. You need a simple system that shows you exactly what comes in, what goes out, and what your real life actually costs. When your money is organized into separate accounts for bills, spending, and savings, everything gets clearer, easier, and way less overwhelming.

If you have ever felt like you should be better at money by now, this episode is for you, budget bestie.

Let’s Take Our Relationship To The Next Level:

1️⃣ Facebook Group ➡︎ budgetbesties.com/facebook

2️⃣ Be on the Podcast ➡︎ budgetbesties.com/livecall

3️⃣ Private 1-on-1 Coaching. ➡︎ budgetbesties.com/coaching

This podcast is for educational and informational purposes only and is not personal financial, legal, or tax advice.

This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase.

The Mom-Friendly Budget That Makes Room for Debt Payoff, Date Nights, and Travel Sports | Reair: Amy Dave, This Incredible Mom Life | 550

Wed, 08 Apr 2026 05:15:00 -0400

Check Out Amy's Podcast!

Budget besties, this episode is your reminder that a budget does not have to feel restrictive, confusing, or like a punishment. We’re talking all about how to make budgeting simple, realistic, and supportive of the life you actually want to live.

In this conversation, we share why so many people struggle with budgeting in the first place. The truth is, most of us were never actually taught how to do it. We were expected to just know. And when traditional budgeting feels complicated, full of weird terms, or based on cutting out every fun thing in life, it’s no wonder so many people want nothing to do with it.

That’s why we believe in being bougie on a budget. You can pay off debt and still enjoy your life. You can save money and still go on vacation. You can be intentional with your money without feeling stuck in scarcity.

We break down a simpler budgeting system that helps you organize your money in a way that makes sense, lowers stress, and gives you more clarity. We also talk about why tracking every little expense after the fact is not the same thing as budgeting, and how separating your money into different accounts and savings buckets can completely change the game.

We especially dig into what this looks like for moms and families juggling all the things, from groceries and daily spending to sports, travel, and those surprise activity costs that add up way faster than expected.

In this episode, we talk about:

Why budgeting feels so hard for so many people
How most people actually have a disorganization problem, not an overspending problem
What “bougie on a budget” really means
A simple five-column budget system: income, debt, bills, spending, and savings
Why your budget should fit on one page
The difference between budgeting and tracking
How separate checking accounts and savings buckets create clarity
Why automating your money can reduce stress and make budgeting easier
How to plan ahead for kids’ sports, travel, and other seasonal expenses
Why it’s okay to say “not right now” instead of going into debt

Let’s Take Our Relationship To The Next Level:

1️⃣ Facebook Group ➡︎ budgetbesties.com/facebook

2️⃣ Be on the Podcast ➡︎ budgetbesties.com/livecall

3️⃣ Private 1-on-1 Coaching. ➡︎ budgetbesties.com/coaching

This podcast is for educational and informational purposes only and is not personal financial, legal, or tax advice.

This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase.

How to Stop Living Paycheck to Paycheck: Get One Paycheck Ahead | 549

Mon, 06 Apr 2026 05:15:00 -0400

Hey budget besties, if you feel like every single dollar already has a job before it even hits your account, this episode is for you. We’re talking about how to break out of the paycheck-to-paycheck cycle by getting a paycheck ahead.

We walk through what that actually means, why looking at your budget monthly changes everything, and the small ways you can create wiggle room even when money feels tight. From cutting subscriptions to lowering minimum payments to shifting due dates, this episode is all about getting you breathing room and helping you feel in control again.

The goal is not perfection. The goal is relief, clarity, and finally getting to the point where you are not relying on each individual paycheck just to survive the month.

What We Cover in This Episode

Why the real way out of paycheck-to-paycheck living is getting a paycheck ahead
How to start seeing your money monthly instead of paycheck by paycheck
Practical ways to create wiggle room in a tight budget
Why temporarily cutting back can help you build breathing room faster
How deferred payments, lowered minimums, and due date changes can help
What it looks like to use the last paycheck of this month for next month
Why even getting partway ahead can lower stress and build momentum

Let’s Take Our Relationship To The Next Level:

1️⃣ Facebook Group ➡︎ budgetbesties.com/facebook

2️⃣ Be on the Podcast ➡︎ budgetbesties.com/livecall

3️⃣ Private 1-on-1 Coaching. ➡︎ budgetbesties.com/coaching

This podcast is for educational and informational purposes only and is not personal financial, legal, or tax advice.

This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase.

She Paid Off $20K of Debt in 5 Months Without Giving Up Vacations: Here’s How | 548

Fri, 03 Apr 2026 05:15:00 -0400

What happens when you are good with money on paper, but real life gets more expensive, more complicated, and way harder to manage once kids enter the picture?

In this episode, we sit down with Brittany, who shares how she went from feeling like she was constantly paying for last month to finally getting ahead with a budgeting system that actually worked for her real life. After trying budgeting apps that felt overwhelming, restrictive, and way too focused on tracking the past, Brittany realized she needed something different — something that helped her plan forward instead of just reacting.

She opens up about the stress of carrying balances, feeling like maybe she was the problem, and how switching to a simple, proactive system helped her pay off nearly $20,000 in debt in about five months while still taking family vacations, planning ahead, and living life.

We also talk about automations, savings buckets, budgeting with fluctuating income, and what it looks like to trust yourself with your numbers instead of living in constant money stress.

This conversation is such a good reminder that financial clarity is not about perfection. It is about creating a plan that supports your life, gives you options, and helps you feel calm, confident, and in control.

Let’s Take Our Relationship To The Next Level:

1️⃣ Facebook Group ➡︎ budgetbesties.com/facebook

2️⃣ Be on the Podcast ➡︎ budgetbesties.com/livecall

3️⃣ Private 1-on-1 Coaching. ➡︎ budgetbesties.com/coaching

This podcast is for educational and informational purposes only and is not personal financial, legal, or tax advice.

This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase.

How to Lower Debt Payments, Stick to Your Budget, and Stop Living Paycheck to Paycheck with Coach Michelle | 547

Wed, 01 Apr 2026 05:15:00 -0400

Michelle is back from office hours, and this episode is full of the kind of wins that remind us why budgeting matters. We are talking real-life progress, not perfection. From staying on budget for a kid’s birthday to paying for Disney in cash, these budget besties are proving that clarity and intentionality can change everything.

This conversation is part strategy, part therapy, and honestly, that is what so many of us need. Sometimes we need a plan. Sometimes we need permission. And sometimes we just need someone to say, “Yes, you can do this.”

In this episode, we talk about:

Hitting a birthday budget almost exactly and resisting the urge to overspend
Funding a Disney trip with cash and coming home without credit card regret
Setting realistic grocery and spending numbers so we stop setting ourselves up to fail
Finding a surprise monthly surplus simply by organizing accounts and automating money
Negotiating debt payments down in a major way by making a few strategic phone calls
Starting sinking funds like “Santa’s Sack” early so the holidays feel joyful, not stressful
Paying off a house and seeing how much faster progress happens with a clear plan

The biggest takeaway? A lot of us do not have a money failure problem. We have a clarity problem. When our money is scattered, unplanned, and hard to see, it is almost impossible to feel confident. But once it is all laid out simply, we can finally make empowered decisions.

This episode is a reminder that budgeting is not about restriction. It is about giving ourselves breathing room, celebrating wins, and building a system that supports real life.

Let’s Take Our Relationship To The Next Level:

1️⃣ Facebook Group ➡︎ budgetbesties.com/facebook

2️⃣ Be on the Podcast ➡︎ budgetbesties.com/livecall

3️⃣ Private 1-on-1 Coaching. ➡︎ budgetbesties.com/coaching

This podcast is for educational and informational purposes only and is not personal financial, legal, or tax advice.

This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase.

55% of Americans Say Money Is Their Biggest Stress — Here’s What’s Causing It | 546

Mon, 30 Mar 2026 05:15:00 -0400

Did you know 55% of Americans say money is the biggest source of stress in their lives? Budget besties, we are not surprised.

In this episode, we’re talking about why money feels so heavy, why it keeps us up at night, and why it causes so much tension in our homes and relationships. The truth is, for most of us, it’s not just about how much money we make. It’s about disorganization, not knowing our numbers, and trying to live life with our head in the sand.

We’re breaking down why avoiding your finances actually makes the stress worse, and how getting your money on paper can instantly bring clarity. Because once you can see your numbers, you can start making decisions on purpose instead of living in constant background panic.

We also talk about how separating your money into simple categories and accounts can reduce chaos, help you stop relying on credit cards, and make money conversations with your spouse feel way less explosive.

This episode is your reminder that money does not have to control your peace. You can simplify it, organize it, and start feeling more in control.

Let’s Take Our Relationship To The Next Level:

1️⃣ Facebook Group ➡︎ budgetbesties.com/facebook

2️⃣ Be on the Podcast ➡︎ budgetbesties.com/livecall

3️⃣ Private 1-on-1 Coaching. ➡︎ budgetbesties.com/coaching

This podcast is for educational and informational purposes only and is not personal financial, legal, or tax advice.

This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase.

How to Budget When Life Hits Hard: Medical Bills + A Grocery Plan That Works | 545

Fri, 27 Mar 2026 05:15:00 -0400

In this heartfelt episode, we talk with Alana, a wife and mom of three who is navigating recovery after two heart attacks at just 36 years old. In the middle of a serious health crisis, she shares how getting her budget organized has brought her a real sense of peace.

Alana opens up about medical leave, disability income, surprise bills, and the mental load of managing money for a family with multiple dietary restrictions. Together, we talk through what is already working in her budget, where grocery spending feels tricky, and how creating separate accounts for bills and spending can reduce stress in a huge way.

This conversation is such a good reminder that budgeting is not about perfection. It is about creating clarity, building systems that support your real life, and giving yourself grace when life gets hard.

What We Talk About:

Recovering from a major health event while managing household finances
Using separate accounts to prepare for non-monthly bills
Why sinking funds can bring instant relief
How disability income can create breathing room in the budget
Grocery budgeting for families with dietary restrictions
Why using real spending numbers matters more than guessing
How a dedicated grocery account can simplify food spending
Giving yourself grace when prices rise and life changes fast

Let’s Take Our Relationship To The Next Level:

1️⃣ Facebook Group ➡︎ budgetbesties.com/facebook

2️⃣ Be on the Podcast ➡︎ budgetbesties.com/livecall

3️⃣ Private 1-on-1 Coaching. ➡︎ budgetbesties.com/coaching

This podcast is for educational and informational purposes only and is not personal financial, legal, or tax advice.

This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase.

How to Lower Your Credit Card Payments and Free Up Cash Fast | 544

Wed, 25 Mar 2026 08:50:00 -0400

Do you make good money but still feel like you have nothing to show for it? Budget besties, this episode is full of real-life coaching lessons that prove small money moves can make a huge difference.

We’re sharing client stories and honest budget breakthroughs, from lowering debt payments by more than $400 a month, to fixing sneaky budget issues like “every 4 weeks” expenses, to knowing when to pause savings buckets so you can knock out debt faster.

We’re also talking about something that can feel super uncomfortable but matters so much: teaching our kids financial responsibility. Whether your adult child still lives at home or you’re just trying to raise money-smart kids, this conversation will help you think about how to build confidence, responsibility, and real-life financial skills.

This episode is your reminder that you do not have to figure it all out alone. Sometimes all it takes is a fresh set of eyes, a little tough love, and a simple plan that actually works.

Let’s Take Our Relationship To The Next Level:

1️⃣ Facebook Group ➡︎ budgetbesties.com/facebook

2️⃣ Be on the Podcast ➡︎ budgetbesties.com/livecall

3️⃣ Private 1-on-1 Coaching. ➡︎ budgetbesties.com/coaching

This podcast is for educational and informational purposes only and is not personal financial, legal, or tax advice.

This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase.

Make Your April 2026 Budget with Us: Plan Your Month and Your Money in 20 Minutes | 543

Mon, 23 Mar 2026 05:15:00 -0400

Budget besties, April is basically here, and that means it’s time to make a fresh budget before the month starts.

In this episode, we walk through exactly how to build your April budget step by step in a way that feels simple, realistic, and doable. We’re talking about how to list your income, include your minimum debt payments, organize your bills, set spending categories that actually fit your real life, and plan ahead for the month-specific expenses that always seem to sneak up on us.

We also talk about why making your budget before April starts matters so much, especially if you’re already using an end-of-March paycheck for next month’s expenses. And we show how budgeting does not have to mean tracking every little transaction. It can be clear, quick, and way less stressful than you think.

This episode is your reminder that your budget should work for your life, not the other way around.

Let’s Take Our Relationship To The Next Level:

1️⃣ Facebook Group ➡︎ budgetbesties.com/facebook

2️⃣ Be on the Podcast ➡︎ budgetbesties.com/livecall

3️⃣ Private 1-on-1 Coaching. ➡︎ budgetbesties.com/coaching

This podcast is for educational and informational purposes only and is not personal financial, legal, or tax advice.

This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase.

Are We Paying Off Debt Too Fast? Balancing Budget, Life, and Long-Term Goals | 542

Fri, 20 Mar 2026 05:15:00 -0400

Shelby came in with a question a lot of us can relate to: when we’re laser-focused on paying off debt, how do we know we’re not pushing too hard and setting ourselves up to fall right back into it?

After navigating grad school, living on credit cards for a season, and making some big money changes, Shelby and her husband are now throwing nearly $6,000 a month at debt. They’ve built a plan that gives them structure, breathing room, and a real end date. Their goal? To be debt free except for one main car by November 2026.

In this episode, we talk through how to balance aggressive debt payoff with realistic savings, how to plan for real life without calling it a “setback,” and why your budget has to support the life you’re living right now, not just the finish line you’re chasing.

We also get into the difference between avalanche and snowball debt strategies, why automation is such a game changer, and how Shelby and her husband are staying motivated with Post-it notes all over the house to remind themselves what they’re working toward.

This conversation is such a good reminder that paying off debt does not have to mean white-knuckling your way through life. You can make progress, enjoy your life, and build habits that actually last.

Let’s Take Our Relationship To The Next Level:

1️⃣ Facebook Group ➡︎ budgetbesties.com/facebook

2️⃣ Be on the Podcast ➡︎ budgetbesties.com/livecall

3️⃣ Private 1-on-1 Coaching. ➡︎ budgetbesties.com/coaching

This podcast is for educational and informational purposes only and is not personal financial, legal, or tax advice.

This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase.

How to Budget for Unexpected Expenses Without Using Credit Cards | Reair: Lifelong Learners Collective with Ella Catherine | 541

Wed, 18 Mar 2026 05:15:00 -0400

Check out Ella's Podcast!

Budget besties, we’re bringing back a conversation we had with our friend Ella Catherine from the Lifelong Learners Collective podcast, and it is just as good the second time around.

In this episode, we’re talking about the “B word” and why budgeting does not have to mean boring, restrictive, or giving up everything you love. We share how we help people build a budget that actually matches real life, supports their goals, and gives them room for the things that matter most.

We get into why so many people feel behind with money, how to prepare for those “unexpected” expenses that are actually very expected, why separate accounts can make budgeting feel so much easier, and how to stop relying on credit cards to fill the gaps.

This conversation is such a good reminder that budgeting is not about punishment. It is about clarity, confidence, and building a life you actually want.

Let’s Take Our Relationship To The Next Level:

1️⃣ Facebook Group ➡︎ budgetbesties.com/facebook

2️⃣ Be on the Podcast ➡︎ budgetbesties.com/livecall

3️⃣ Private 1-on-1 Coaching. ➡︎ budgetbesties.com/coaching

This podcast is for educational and informational purposes only and is not personal financial, legal, or tax advice.

This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase.

The #1 Money Mistake Keeping Women Stuck Right Now (Your Money Questions Answered) | 540

Mon, 16 Mar 2026 05:15:00 -0400

In this Q&A episode, we’re answering real questions from our budget besties straight from our Facebook group and email. We’re talking about the biggest money mistake we’re seeing right now, why so many of us end up using credit cards for groceries and gas, why using your emergency fund can feel weirdly guilt-inducing, and what to do when life feels too nonstop to stick to a budget.

This episode is your reminder that money management does not have to feel complicated, scary, or overwhelming. When we know our numbers, automate what we can, and create simple systems that work in real life, everything starts to feel lighter.

In This Episode, We Talk About:

The biggest money mistake we’re seeing right now: avoiding your numbers
Why looking at your budget is usually not as scary as you think
How clarity creates instant solutions and less stress
Why people keep putting groceries and gas on credit cards
The problem with having one “black hole” checking account
How separate spending accounts can help you stop overspending
Why grocery spending can be more predictable than you think
How setting weekly or biweekly limits creates built-in accountability
Why using your emergency fund for an actual emergency feels so hard
The difference between true emergencies and expected irregular expenses
Why savings buckets can reduce guilt and give you more peace of mind
Why it’s so hard to stick to a plan when life is nonstop
How automation helps you stay consistent without constant effort
Why setting guardrails is a form of being kind to your future self

Let’s Take Our Relationship To The Next Level:

1️⃣ Facebook Group ➡︎ budgetbesties.com/facebook

2️⃣ Be on the Podcast ➡︎ budgetbesties.com/livecall

3️⃣ Private 1-on-1 Coaching. ➡︎ budgetbesties.com/coaching

This podcast is for educational and informational purposes only and is not personal financial, legal, or tax advice.

This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase.

How to Stop Overspending at Target: Decluttering + Boundaries That Actually Work with Emily McDermott | 539

Fri, 13 Mar 2026 05:15:00 -0400

Check Out Emily's Podcast!

Budget besties, this one is for all of us who have ever walked into Target for one thing and somehow left with a cart full of “why did I buy this?” items.

In this episode, we’re joined by Emily McDermott, host of Moms Overcoming Overwhelm, to talk about what clutter really means and why it is about so much more than stuff. We dig into the connection between overspending, emotional clutter, identity shifts, and the overwhelm so many women feel in this season of life.

Emily shares practical ways to declutter your home, your mind, and even your habits around shopping. We also talk about how creating simple boundaries around your money and your stuff can lead to more peace, more clarity, and way less stress.

If you’ve been feeling buried by clutter, tempted by impulse buys, or just craving a fresh reset, this conversation will leave you encouraged and empowered.

In this episode, we talk about:

Why Target feels so hard to resist for so many women
The connection between clutter, emotional overwhelm, and identity shifts
How the “experience” of shopping can lead to overspending
Why the pause gives you power before making a purchase
What to do instead of buying bins and baskets first
The real reason most people feel disorganized
Emily’s quick decluttering reset: Trash, Relocate, and Anything to get rid of
How “container limits” can help you manage your home and your spending
Why freedom works best inside clear boundaries
How simplifying your home can support the life you’re living right now

Let’s Take Our Relationship To The Next Level:

1️⃣ Facebook Group ➡︎ budgetbesties.com/facebook

2️⃣ Be on the Podcast ➡︎ budgetbesties.com/livecall

3️⃣ Private 1-on-1 Coaching. ➡︎ budgetbesties.com/coaching

This podcast is for educational and informational purposes only and is not personal financial, legal, or tax advice.

This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase.

Make Property Taxes Easy, Stop the HELOC Habit, Let Kids Pay Their Own Bills & Budgeting Amazon Categories (Lessons From The Sessions) | 538

Wed, 11 Mar 2026 05:15:00 -0400

Hey budget besties, this episode is all about one very grown-up truth: the financial stuff that sneaks up on us usually is not actually a surprise. It just feels that way when we are not planning ahead.

We are talking about why property taxes should not be a yearly jump scare, how relying on a financial “Plan B” can keep you stuck, and why teaching kids to manage their own money matters so much. We also dig into Amazon spending guilt and why tracking after the fact is not nearly as helpful as budgeting on purpose from the start.

This episode is packed with real client stories, practical budget shifts, and the reminder that financial peace comes from planning ahead, not scrambling after the fact.

In this episode, we talk about:

Why saving monthly for property taxes can change everything
How escrow keeps your money out of sight and earning for the bank instead of for you
Why relying on mom, credit cards, HELOCs, or your emergency fund can make it harder to stick to your budget
The power of committing to Plan A and removing easy financial fallbacks
How to teach kids real money lessons by letting them spend their own money
Why boundaries around money help both adults and kids build confidence
How to stop shaming yourself over Amazon spending
Why separating spending into clear budget categories makes money easier to manage
How intentional budgeting creates freedom without guilt

Key reminder from this episode

We want you to be your own bank.

That means planning ahead, saving for the things you know are coming, using your budget on purpose, and building a system that helps you rely on yourself instead of defaulting to outside help or last-minute fixes.

What we want budget besties to remember

You do not need to feel ashamed about spending money when it is already part of the plan. The goal is not perfection. The goal is clarity. When your money has a job, you can spend, save, and prepare with a whole lot more confidence.

Let’s Take Our Relationship To The Next Level:

1️⃣ Facebook Group ➡︎ budgetbesties.com/facebook

2️⃣ Be on the Podcast ➡︎ budgetbesties.com/livecall

3️⃣ Private 1-on-1 Coaching. ➡︎ budgetbesties.com/coaching

This podcast is for educational and informational purposes only and is not personal financial, legal, or tax advice.

This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase.

The 5 Hardest Money Habits to Break (and How to Finally Break Them) | 537

Mon, 09 Mar 2026 05:15:00 -0400

Today we’re diving into the top 5 hardest financial habits to break — straight from our community. We’re talking about the real-life stuff that keeps showing up in our budgets again and again: eating out, impulse spending, credit cards, grocery overspending, and living above our means.

But we’re not just calling out the habits, budget besties — we’re also giving you practical ways to start changing them without going from one extreme to the other.

Because this is not about perfection. It’s about creating a money plan that actually fits your real life.

In this episode, we talk about:

Why eating out and delivery can quietly wreck your budget
How to make food at home more convenient, realistic, and actually enjoyable
The truth about Amazon, home decor, clothes, and impulse purchases
Why random scrolling often turns into random spending
How credit cards keep you disconnected from what’s really happening with your money
Why your grocery budget probably needs to be updated
What it really means to live within or below your means
How separate spending accounts and realistic budget categories can make all of this easier

The 5 hardest financial habits to break:

Eating out
Shopping and impulse buying
Using credit cards
Overspending on groceries
Living above your means

Biggest reminders from this episode:

We are not saying you can never eat out, shop, or have fun.
We are saying you need a plan for it.
A realistic budget works better than an overly strict one you can’t stick to.
Convenience is okay — it just needs to fit your numbers.
You have to stop investing in everyone and everything else before you invest in yourself.

Practical takeaways:

Make meals at home easy, fast, and appealing
Put guardrails around spending with a set budget
Use separate accounts for spending categories when possible
Remove credit cards from your wallet, apps, and auto-pay if they’re causing problems
Update your grocery budget to reflect today’s prices
Stop guessing with your money and start getting clear on what your life actually costs

Let’s Take Our Relationship To The Next Level:

1️⃣ Facebook Group ➡︎ budgetbesties.com/facebook

2️⃣ Be on the Podcast ➡︎ budgetbesties.com/livecall

3️⃣ Private 1-on-1 Coaching. ➡︎ budgetbesties.com/coaching

This podcast is for educational and informational purposes only and is not personal financial, legal, or tax advice.

This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase.

How Angie Paid Off $72,000 in Debt Without Cutting the Fun | Budgeting Tips for Busy Couples | 536

Fri, 06 Mar 2026 05:15:00 -0400

Budget besties, this episode is such a good one. We’re sitting down with Angie, a longtime listener turned client, who shares how she completely transformed her finances by getting organized, simplifying her accounts, and building habits that actually work in real life.

Angie and her husband were juggling a lot: personal finances, business finances, two homes, four adult kids, and plenty of money stress. Even though they were making good money, it still felt messy and unclear. Once she started using a simple system that separated bills, spending, gas, and groceries, everything started to click.

In less than a year, Angie paid off $72,000 in debt, bought a car in cash, got a month ahead on personal bills, became more generous, and started making financial decisions with so much more peace and confidence.

This conversation is a reminder that financial success is not about making more money. It’s about having a system, building habits, and being intentional with what matters most.

Let’s Take Our Relationship To The Next Level:

1️⃣ Facebook Group ➡︎ budgetbesties.com/facebook

2️⃣ Be on the Podcast ➡︎ budgetbesties.com/livecall

3️⃣ Private 1-on-1 Coaching. ➡︎ budgetbesties.com/coaching

This podcast is for educational and informational purposes only and is not personal financial, legal, or tax advice.

This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase.

How to Pay Off $3,000 in Credit Card Debt and Fix the $3 Gas Budget Problem with Coach Michelle | 535

Wed, 04 Mar 2026 05:15:00 -0400

Coach Michelle is back in Office Hours every Wednesday, helping budget besties get unstuck—whether you’re brand new, you’ve got the budget system already, or you’re still trying to save up to buy it. This episode is basically a peek into the kinds of questions that come up every week… and the little shifts that create BIG momentum.

What we covered

Office Hours = judgement-free help
Bring your questions. Bring your chaos. Bring your “I don’t even know where to start.” Michelle helps you build a plan that actually fits your life—without making you feel behind.
The $3,000 credit card win (in about a month!)
One budget bestie started in November and by the end of December had paid $3,000 off her credit card—because she:
organized the budget clearly,
separated accounts,
set up automation,
and finally saw what her money could actually do.
Why separation of accounts creates “discipline” without the stress
When everything sits in one account, it becomes a black hole. When you separate money by purpose, you instantly know:
what’s for bills,
what’s for spending,
what’s for saving,
and what can go toward debt.
And then the “discipline” isn’t you white-knuckling—it’s the system doing what it’s designed to do.
The “$3 left for gas” problem (aka: detail overload)
A budget bestie was dialing gas and groceries down so tightly she ended the month with $3 left for gas. Michelle’s coaching:
Stop budgeting down to the last penny in categories that fluctuate.
Gas + groceries need a buffer so you don’t create anxiety, second-guessing, and late-night panic math.
We are NOT the frugal besties
If you’re looking for “rice and beans forever” or “never go out to eat again,” we’re not your girls. We’re here for bougie on a budget—a budget built in abundance, with breathing room, that supports a life you actually enjoy.
The $3,000 car insurance bill (semi-annual stress)
One bestie had a $3,000 car insurance bill due in a few months and only had $1,000 saved. The strategy:
calculate the gap,
temporarily pull back on other savings buckets or extra debt payments,
fund the insurance first (because it’s non-negotiable),
then return to debt payoff after the bill is paid.
The big breakthrough: once annual bills are set up properly, you stop “magically finding” thousands of dollars every few months.
Order of operations (so you don’t sabotage yourself)
We want you to build this in steps:
get spending (gas/groceries/etc.) realistic
build savings buckets
then go hard on debt
That’s how you avoid having to put surprise expenses right back on a card later.
Getting your husband on board (and ending the swipe-stress)
One bestie was constantly transferring money to cover her husband’s spending and carrying all the stress alone. The game-changer:
separate accounts,
give him his own spending account,
agree on the amount together,
turn off overdraft transfers so the limit is real,
and make him responsible for managing his account.
It shifts the dynamic from parent/child to teammates.
Acorns in the budget (and why “investing on purpose” matters)
The round-up investing sounded fine… until she started paying attention to her numbers. Tracking tiny, random round-ups can create unnecessary chaos. Our take:
either assign a consistent monthly investment amount (on purpose),

Let’s Take Our Relationship To The Next Level:

1️⃣ Facebook Group ➡︎ budgetbesties.com/facebook

2️⃣ Be on the Podcast ➡︎ budgetbesties.com/livecall

3️⃣ Private 1-on-1 Coaching. ➡︎ budgetbesties.com/coaching

This podcast is for educational and informational purposes only and is not personal financial, legal, or tax advice.

This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase.

The Real Reason You’re Overspending (And How To Fix It) | 534

Mon, 02 Mar 2026 05:15:00 -0400

1) Overspending is the norm… and shame is lying to us

A lot of people walk around thinking:

“I’m terrible with money.”
“I can’t do math.”
“I have no discipline.”

But y’all… that’s not the real issue. The real issue is not knowing what’s safe to spend in the moment. So we guess. And guessing gets expensive.

2) The rebellious spending spiral is real

When we feel like we never have money, we get that “fine, whatever, future me can deal with it” energy:

drain the account
swipe the card
turn it into a later problem

Separate accounts remove that fight because there’s nothing to rebel against—you already planned for spending.

3) Separate accounts = micro-decisions, not daily math Olympics

Instead of:

“Did we pay rent?”
“Do we have grocery money?”
“Can I go to Target or will I regret it?”

You get:

Spending account balance = what you can spend. Period.
That’s the whole decision. That’s the freedom.

4) Replenishment changes your brain (and your habits)

When your spending money gets refilled every paycheck (or weekly transfer), it stops feeling like:

“now or never”
and starts feeling like:
“I can spend, and it’s coming back.”

That’s why people naturally spend less without doing a bunch of willpower tricks.

5) Tracking culture is exhausting and unnecessary here

Some systems want:

receipts
categories tracked to the penny
apps yelling at you like you’re grounded 😅

But with this approach, you don’t need to track every little thing because:

it’s already separated
it’s already capped
it’s already visible

You can literally look and go: “Yep. Target did that.” The end.

Let’s Take Our Relationship To The Next Level:

1️⃣ Facebook Group ➡︎ budgetbesties.com/facebook

2️⃣ Be on the Podcast ➡︎ budgetbesties.com/livecall

3️⃣ Private 1-on-1 Coaching. ➡︎ budgetbesties.com/coaching

This podcast is for educational and informational purposes only and is not personal financial, legal, or tax advice.

This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase.

Hormones & Your Budget: How Your Cycle Impacts How You Spend Money and What to Do About It with Leisha Drews | 533

Fri, 27 Feb 2026 05:15:00 -0400

Check Out Leisha's Podcast!

Today’s episode is a female-focused conversation on something most of us have felt but never connected to our money habits: your hormones and your spending.

We’re talking with Leisha Drews, nurse and host of the Happily Hormonal podcast, about how different phases of your cycle can affect your mood, decision-making, impulse spending, and even how “motivated” you feel to stick to the budget.

You’ll learn:

Why your period week can actually be a great time to plan your budget
Why ovulation week can make you feel more social, optimistic, and a little more “add to cart” 😅
Why the luteal phase can bring comfort spending and lower stress tolerance
How awareness helps you stop making money decisions feel like a personal flaw

If you loved this conversation, go check out Leisha's show Happily Hormonal and search: cycle tracking or cycle syncing for more episodes on learning your patterns.

Let’s Take Our Relationship To The Next Level:

1️⃣ Facebook Group ➡︎ budgetbesties.com/facebook

2️⃣ Be on the Podcast ➡︎ budgetbesties.com/livecall

3️⃣ Private 1-on-1 Coaching. ➡︎ budgetbesties.com/coaching

This podcast is for educational and informational purposes only and is not personal financial, legal, or tax advice.

This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase.

Stop Stealing Your Own Spending Money, Storm Mode & Savings Buckets: Lessons From The Sessions | 532

Wed, 25 Feb 2026 05:15:00 -0400

Hey budget besties — today we’re pulling back the curtain on real-life lessons from our private coaching sessions. Because if our clients are dealing with it… chances are you are too. We’re talking layoffs and job loss prep, why “0% interest” debt can still be a budget emergency, how to build a storm-mode mock budget, and the surprisingly confusing question: is pet food a savings bucket or a spending bucket? (Answer: it depends… but we’ll make it make sense.)

We also get into a big one for parents: stop robbing your own spending money to cover everyone else’s categories, and let’s teach kids how to manage a set amount instead of learning “just go over and Mom will fix it.” Plus, we’re giving you permission to simplify your budget: categories > tracking every little transaction.

Let’s Take Our Relationship To The Next Level:

1️⃣ Facebook Group ➡︎ budgetbesties.com/facebook

2️⃣ Be on the Podcast ➡︎ budgetbesties.com/livecall

3️⃣ Private 1-on-1 Coaching. ➡︎ budgetbesties.com/coaching

This podcast is for educational and informational purposes only and is not personal financial, legal, or tax advice.

This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase.

Make Your March 2026 Budget with Us: A Step-by-Step Monthly Money Plan | 531

Mon, 23 Feb 2026 05:15:00 -0400

Budget besties, February is basically a blink—so we’re not letting March sneak up on us without a plan. In this episode, Shana and Vanessa walk us through their simple, repeatable monthly budget process: close out the current month first, then build the next month’s budget in a specific order so your money feels calmer, more automated, and way less “where did it go?!”

We follow a real-life client example (two teacher incomes, lots of moving parts, still totally doable) to show how every income source counts, why we only list minimum debt payments at first, how to wrangle subscriptions without shame, and how to create spending categories that stay consistent month to month.

And yes—sometimes savings buckets pause when life is life-ing (hello trips + birthdays). The win is that the plan still works, and you can still make progress—without defaulting to credit cards.

Let’s Take Our Relationship To The Next Level:

1️⃣ Facebook Group ➡︎ budgetbesties.com/facebook

2️⃣ Be on the Podcast ➡︎ budgetbesties.com/livecall

3️⃣ Private 1-on-1 Coaching. ➡︎ budgetbesties.com/coaching

This podcast is for educational and informational purposes only and is not personal financial, legal, or tax advice.

This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase.

Car Paid Off, Student Loan Debt Next? The Best Move for Your Budget | 530

Fri, 20 Feb 2026 05:15:00 -0400

Amanda joined us to talk through a super relatable moment: they’ve built a solid budgeting system… and now the question is what to do with a big, scary student loan balance once the car is paid off. Add in military life + possible paycheck disruptions, and you’ve got a perfect “real life” money crossroads.

The best part? Amanda’s already doing the work—multiple spending accounts, savings buckets, paycheck-ahead living—and it literally protected their family during a potential shutdown pay delay. Budget bestie win of the year. 🥳

What we covered

A huge win: Being a paycheck ahead so a shutdown/pay delay doesn’t force a panic loan.
The real question: Car #2 will be paid off in July—should they roll that payment straight into student loans Dave Ramsey-style?
Why it feels impossible: Doctorate-level debt + preschool-hours income + three little kids + a spouse who’s gone a lot.
The mindset shift: Doctorate-level debt can be tackled more aggressively when you’re closer to doctorate-level income.
Storm Mode permission: When life is unstable (shutdown uncertainty, limited work hours, heavy family load), it’s okay to pause aggression and pay minimums temporarily.
Quality of life matters: Not as an excuse—as a sustainability strategy. Date nights, small “fun money,” and feeling less tight can keep you consistent for the long haul.
Tactical tip to reduce overwhelm: Even if the loans are “one balance,” they’re often broken into multiple smaller loans inside the account. Tracking them separately can make the mountain feel climbable.
Meet-in-the-middle plan: After the car payoff, consider splitting the freed-up payment:
top off key savings buckets (annual bills, gifts, essentials)
increase spending accounts to reduce day-to-day stress

Let’s Take Our Relationship To The Next Level:

1️⃣ Facebook Group ➡︎ budgetbesties.com/facebook

2️⃣ Be on the Podcast ➡︎ budgetbesties.com/livecall

3️⃣ Private 1-on-1 Coaching. ➡︎ budgetbesties.com/coaching

This podcast is for educational and informational purposes only and is not personal financial, legal, or tax advice.

This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase.

🎧 Want the free Podcast Bootcamp + VIP upgrade? Click here.

How We Started a Podcast (Accidentally) and Grew to 1.5 Million Plays

Wed, 18 Feb 2026 05:15:00 -0400

Today is a short, fun, behind-the-scenes episode where we’re taking you back to the VERY unglamorous beginning of Financial Coaching for Women. 😂🎙️

If you’ve ever wondered how you even found us, why this show feels so “meant to be,” or what it looked like before we had any clue what we were doing… this one’s for you.

In this episode, we cover:

The moment Shana accidentally started a podcast (yes, on purpose… but also not) 😳
Vanessa’s reaction: “How do you accidentally start a podcast?!”
Our first “studio”: a garage + yoga mats + blankets + towels
The umbrella era… because we thought it would stop sound waves 🫠
Why people tell us, “I feel like God led me to your podcast” and why we fully agree
The pivot point when we realized: “Oh… this podcast could actually be a thing”
How we went from 3,000 plays to 1.5 million plays and 500+ episodes later

Want the behind-the-scenes and the blueprint?

If this episode has you thinking, “Okay… maybe I could start a podcast (or finally get serious about mine),” we’re inviting you to join Steph Gass’ free Profitable Podcast Bootcamp (Feb 23–27).

✅ Grab your spot here: stefaniegass.com/budgetbesties

Use code: BUDGETBESTIES for a free VIP upgrade.

We’ll see you over there. And if you’re just here for the origin story, we love you the most. 😉

What To Do With Your Tax Refund So It Doesn’t Disappear: Pay Off Debt, Fund Your Savings Buckets, or Treat Yo’ Self? | 528

Mon, 16 Feb 2026 05:15:00 -0400

Tax season is here, budget besties—and while it might not be anyone’s favorite, it is inevitable. In this episode, Shayna and Vanessa walk you through a simple, step-by-step plan for what to do with your tax refund (or what to do if you owe), so the money doesn’t disappear the second it hits your account.

We talk about why refunds often vanish without a plan, how “I’ll pay it off when the refund comes” keeps you stuck in a behind cycle, and how to use your budget to decide what comes first. You’ll learn how to choose between the three main refund options—debt, savings buckets, or a splurge—based on what your real life and your full-year budget actually need.

Plus, two pro tips: what to consider if you’re getting a big refund every year (hint: it may be time to revisit withholding), and how to prepare now if you owe taxes so next year doesn’t feel so painful.

The goal? For your tax return to feel like a bonus—not the thing holding your whole financial year together.

Let’s Take Our Relationship To The Next Level:

1️⃣ Facebook Group ➡︎ budgetbesties.com/facebook

2️⃣ Be on the Podcast ➡︎ budgetbesties.com/livecall

3️⃣ Private 1-on-1 Coaching. ➡︎ budgetbesties.com/coaching

This podcast is for educational and informational purposes only and is not personal financial, legal, or tax advice.

This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase.

How to Budget as a Couple: Separate Accounts, Automation, and Debt Payoff - Jamie's Story| 527

Fri, 13 Feb 2026 05:15:00 -0400

Hey budget besties — today we’re hanging out with Jamie (Twin Cities, MN!) to talk about what it actually looked like to go from “shooting from the hip and hoping for the best” to having a real plan, real peace, and real progress.

Jamie and her husband Kevin have been together since they were teenagers (married 23+ years), and like a lot of us, they weren’t raised with money skills modeled clearly. They’d do “a program” for a while, fall out of rhythm, and then drift back into chaos. Add in big-life curveballs (home repairs, medical stuff, kids getting older, college around the corner), and it hit a breaking point: the stress and uncertainty started feeling too expensive to ignore.

So they brought in coaching — and everything changed.

Let’s Take Our Relationship To The Next Level:

1️⃣ Facebook Group ➡︎ budgetbesties.com/facebook

2️⃣ Be on the Podcast ➡︎ budgetbesties.com/livecall

3️⃣ Private 1-on-1 Coaching. ➡︎ budgetbesties.com/coaching

This podcast is for educational and informational purposes only and is not personal financial, legal, or tax advice.

This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase.

Real Coaching Lessons: Budgeting for Paycheck Gaps + Planning College Visits Without Debt | 526

Wed, 11 Feb 2026 05:15:00 -0400

Today we're pulling back the curtain and sharing real stories from our private coaching sessions – because if our clients are dealing with it, chances are you are too.

From job transitions messing with pay schedules to college visits sneaking up on us (hello senior year!), we’re breaking down exactly how we helped our clients navigate these challenges without falling into a debt spiral.

We’re talking about:

Why funding your grocery account is non-negotiable
What to do when your paycheck date shifts and the bills don’t care
The sneaky stress of college visit expenses – and how to stop pretending it’s not happening
How skipping a debt payment to build a buffer is actually a smart move
The power of planning ahead (even if your kid is just a freshman)

These are the kinds of wins that may not look flashy on paper — but the

Let’s Take Our Relationship To The Next Level:

1️⃣ Facebook Group ➡︎ budgetbesties.com/facebook

2️⃣ Be on the Podcast ➡︎ budgetbesties.com/livecall

3️⃣ Private 1-on-1 Coaching. ➡︎ budgetbesties.com/coaching

This podcast is for educational and informational purposes only and is not personal financial, legal, or tax advice.

This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase.

How To Fix The Money Beliefs Sabotaging Your Budget | 525

Mon, 09 Feb 2026 05:15:00 -0400

Hey budget besties! 💸

This episode is for every single one of us walking around with invisible—but very real—money baggage. Whether it came from childhood sayings like “money doesn’t grow on trees” or past relationship drama, Shana and Vanessa are breaking down where our money beliefs come from and how they shape the way we spend, save, and stress about money today.

💼 What is money baggage anyway?

It’s the beliefs, habits, and emotions around money that you’ve carried—sometimes without even knowing it. And they’re often rooted in family dynamics, cultural expectations, or past financial experiences.

🎯 In this episode, we explore:

The most common money messages we heard growing up (and how they STILL influence us today)
How fear of spending or scarcity mindsets show up in our relationships
Why two people can bring wildly different money habits into a marriage—and how that causes tension
The weight of cultural or family pressure to live a certain lifestyle
The emotional toll of money trauma from past relationships
And most importantly, how to recognize your patterns and choose a new path forward

💬 Shana shares how her childhood taught her not to ask for things (because the answer would be no), and how that belief showed up in her marriage—even when it didn’t make sense. Vanessa gets real about how her parents losing their jobs drove her to pay off her mortgage early. These stories aren’t just personal—they’re universal. And they show us just how deep this stuff runs.

✨ But here’s the good news: You get to decide what comes next.

You’re not stuck in the patterns you were handed. Whether you're scared to spend or scared to talk about money at all, you can shift how you handle your finances—and we’re here to help you do it.

Let’s Take Our Relationship To The Next Level:

1️⃣ Facebook Group ➡︎ budgetbesties.com/facebook

2️⃣ Be on the Podcast ➡︎ budgetbesties.com/livecall

3️⃣ Private 1-on-1 Coaching. ➡︎ budgetbesties.com/coaching

This podcast is for educational and informational purposes only and is not personal financial, legal, or tax advice.

This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase.

Growing Up Broke, Breaking the Cycle: How This Single Mom Transformed Her Money Mindset with Kallai Plummer | 524

Fri, 06 Feb 2026 05:15:00 -0400

Check out Kallai's Podcast!

This one’s for all of us who grew up with “just make it work” energy—and are ready to do things differently.

In today’s powerful episode, we’re joined by the incredible Kallai Plummer, founder of The Kal + Co, operations expert, and host of That Big CEO Energy podcast. Kallai is sharing her real, raw story of financial survival, motherhood, breaking cycles, and building a business that puts her family and her freedom first.

Kallai grew up with a single mom who made it all work behind the scenes—but didn’t talk about money. Later, she found herself in a similar spot as a young single mom, following the “do it right” playbook of college, career, 9-to-5… and still feeling stuck.

Together, we unpack:

The generational patterns around money (and silence) that so many of us are navigating
Why saving money can feel uncomfortable when you’ve never seen it modeled
How our upbringing shapes not just our finances—but our relationships, communication, and even self-worth
Why it’s so important to let our kids in on age-appropriate money convos
What it really looks like to walk away from burnout and build a business on your terms
And how to create safety, strategy, and sustainability—at home and in business

Whether you’re a single mom, a business owner, or just someone trying to change your money story, this episode is full of heart, healing, and straight-up real talk.

The biggest takeaway?

You’re not stuck. You’re learning. And you can teach your kids something different. 💛

Let’s Take Our Relationship To The Next Level:

1️⃣ Facebook Group ➡︎ budgetbesties.com/facebook

2️⃣ Be on the Podcast ➡︎ budgetbesties.com/livecall

3️⃣ Private 1-on-1 Coaching. ➡︎ budgetbesties.com/coaching

This podcast is for educational and informational purposes only and is not personal financial, legal, or tax advice.

This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase.

Savings Buckets, Transfers, and Debt Payoff: Your Questions Answered With Coach Michelle | 523

Wed, 04 Feb 2026 05:15:00 -0400

Coach Michelle is back, besties! 🙌 We’re diving into some of the most common questions we’ve been getting in office hours and in our community—from savings buckets to debt payoff strategies and how to actually get started without spinning out in decision fatigue.

In this episode, we talk about:

💸 What savings buckets are (and why they’re a game-changer)

🎯 How to decide what you should be saving for

🛠️ How to use your savings buckets when it’s time to spend

📆 The right time to add savings buckets to your budget

🚫 What to do when you want to pay off debt and save at the same time

⚖️ Real talk about snowball vs avalanche vs “what’s stressing you out most” debt payoff methods

🎉 Celebrating every win—from getting your first budget set up to paying off $50k in debt!

Plus, we remind you to take it one step at a time—month one might just be getting your budget in place, and that’s a huge win too.

So if you’ve been wondering how to juggle savings and debt payoff, or you’re still wrapping your head around how savings buckets work, this one’s for you.

Let’s Take Our Relationship To The Next Level:

1️⃣ Facebook Group ➡︎ budgetbesties.com/facebook

2️⃣ Be on the Podcast ➡︎ budgetbesties.com/livecall

3️⃣ Private 1-on-1 Coaching. ➡︎ budgetbesties.com/coaching

This podcast is for educational and informational purposes only and is not personal financial, legal, or tax advice.

This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase.

How Multiple Bank Accounts Make Budgeting Easier | 522

Mon, 02 Feb 2026 05:15:00 -0400

You’re not the only one avoiding your bank account like it’s haunted. 👻 Two-thirds of people do it too! But what if one tiny shift could help you go from financial fog to total clarity?

That shift? Multiple. Bank. Accounts.

Sounds complicated? It’s not. We’re breaking it down step-by-step, budget bestie style.

🧠 In This Episode:

That “black hole” checking account feeling — and why it’s so overwhelming
The adult version of “la la la I can’t hear you!” when it comes to money 😬
Why one checking and one savings account just doesn’t cut it anymore
The power of separating your money — and how it instantly simplifies your decisions
Which checking accounts you actually need (hint: bills, spending, gas + groceries)
How savings buckets give your money purpose — and keep you from “accidentally” spending it
Pet account shoutouts to Cooper and Luna 🐶💕
Simple best practices to name, hide, and automate your accounts like a pro

Let’s Take Our Relationship To The Next Level:

1️⃣ Facebook Group ➡︎ budgetbesties.com/facebook

2️⃣ Be on the Podcast ➡︎ budgetbesties.com/livecall

3️⃣ Private 1-on-1 Coaching. ➡︎ budgetbesties.com/coaching

This podcast is for educational and informational purposes only and is not personal financial, legal, or tax advice.

This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase.

Starting Over With $0: How Amanda Rebuilt Her Life and Budget After Divorce | 521

Fri, 30 Jan 2026 17:28:00 -0400

In today’s episode, we're sitting down with Amanda — a rockstar, graduated client who proves that hitting the reset button doesn't mean starting over empty-handed. Amanda’s story is real, raw, and SO relatable for any of us navigating a financial rebuild, especially after a major life change.

She came to coaching newly single, with $0 in her bank account, two kids to support, and the determination to not mess this up. Fast-forward to today: Amanda is not only financially stable, but she’s fully funding her life, bought a house, built savings buckets, is two months ahead in her business, and is teaching her kids real money skills. 👏🏼👏🏼👏🏼

In this episode, we chat about:

What prompted Amanda to seek financial coaching
How she strategically used her divorce settlement to reset her finances
The mindset shifts around debt, spending, and credit cards
How she ditched the stress and embraced budgeting simplicity
Why separating accounts made everything easier (yes, even with more accounts!)
Setting up her kids with money management systems early
Business owner lessons: paying yourself properly and setting monthly income goals

Amanda reminds us that it’s not about being perfect — it’s about being intentional, asking for help, and learning how to be your own bank. Whether you’re starting fresh or just need a reboot, her story is proof that we can take control, live well, and still get our nails done. 💅🏽😉

Let’s Take Our Relationship To The Next Level:

1️⃣ Facebook Group ➡︎ budgetbesties.com/facebook

2️⃣ Be on the Podcast ➡︎ budgetbesties.com/livecall

3️⃣ Private 1-on-1 Coaching. ➡︎ budgetbesties.com/coaching

This podcast is for educational and informational purposes only and is not personal financial, legal, or tax advice.

This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase.

Lessons from the Sessions: Budgeting for Sports Seasons & Being Ready for Job Loss | 520

Wed, 28 Jan 2026 05:15:00 -0400

Today, we’re bringing you behind the scenes, straight into our coaching calls — because if our clients are navigating it, chances are you are too. We’re talking about budgeting through real-life seasons, shifting priorities, and how to create space in your budget without the guilt.

✨ What We’re Talking About:

Budgeting for the season you're actually in — hello, sports parents!
Why your family fund might need to flex (and that’s okay)
Creating custom spending accounts to reduce stress and decision fatigue
The danger of budgeting with unrealistic numbers (aka stop lying to your grocery line)
What happens when you lose your job after you’ve finally gotten your money right
How getting your budget in order makes space for life’s curveballs

We’re sharing stories from real coaching clients to show you just how powerful it is to take ownership of your money — before life forces your hand.

Because budgeting isn’t about restriction — it’s about freedom. It’s about knowing what you can afford and making confident choices (even if that means skipping a vacation to fund volleyball season 🏐).

🎧 Tune in, take what you need, and remember — we’re all bougie on a budget in our own way.

Let’s Take Our Relationship To The Next Level:

1️⃣ Facebook Group ➡︎ budgetbesties.com/facebook

2️⃣ Be on the Podcast ➡︎ budgetbesties.com/livecall

3️⃣ Private 1-on-1 Coaching. ➡︎ budgetbesties.com/coaching

This podcast is for educational and informational purposes only and is not personal financial, legal, or tax advice.

This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase.

How To Set Up Your February Budget: Bills, Spending, and Savings Buckets (Without Tracking Every Dollar) | 519

Mon, 26 Jan 2026 05:15:00 -0400

WATCH AND FOLLOW ALONG HERE!

February’s knocking at the door (yes, the month with TWO R’s — we didn’t forget 😉), and you know what that means — it’s budget planning time! In this episode, we’re walking you through how to set up your February budget step-by-step, and helping you think through all the little things that might be coming your way — from Valentine's Day to surprise school fees to Super Bowl snacks. 🍫🏈💐

Whether you’re brand new or a long-time listener, we’ve got something for you in this episode. You’ll hear exactly how we guide our clients each month and why it’s not about how much money you make — it’s about what you do with it.

Let’s Take Our Relationship To The Next Level:

1️⃣ Facebook Group ➡︎ budgetbesties.com/facebook

2️⃣ Be on the Podcast ➡︎ budgetbesties.com/livecall

3️⃣ Private 1-on-1 Coaching. ➡︎ budgetbesties.com/coaching

This podcast is for educational and informational purposes only and is not personal financial, legal, or tax advice.

This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase.

Should I Save or Pay Off Debt First? The Answer Isn't One-Size-Fits-All | 518

Fri, 23 Jan 2026 05:15:00 -0400

This week, we’re deep in storm mode — that intense life season when everything feels a little chaotic and you’ve got no choice but to laser focus on what matters most. 💥 Whether it’s prepping for the bar exam, going through a job change, or any other major shift, we’re walking through what it means to pause the debt snowball (yes, it’s okay!), set up intentional savings, and just survive without adding to the pile.

Our guest, Andrea, is in the thick of it — juggling $15k in credit card debt, six-figure student loans (we’re just ignoring those for now, okay?), and prepping for the bar exam. But the good news? She’s already set up her budget system, is tracking her spending, and has her savings buckets lined up like a champ. 🙌🏽

We talk through:

🔹 When it makes sense to hit pause on extra debt payments

🔹 How to prioritize savings buckets during income dips

🔹 What “storm mode” really means (and why it’s NOT failure)

🔹 Why credit card calls can be scary — but powerful 💪🏾

🔹 The emotional side of budgeting and asking for help

🔹 How to handle the months when you’re not working but bills still show up

And if you’re wondering whether it’s okay to just tread water for a while — spoiler alert — YES, it is. Sometimes, we don’t need to move the needle; we just need to stop it from sliding back.

Let’s Take Our Relationship To The Next Level:

1️⃣ Facebook Group ➡︎ budgetbesties.com/facebook

2️⃣ Be on the Podcast ➡︎ budgetbesties.com/livecall

3️⃣ Private 1-on-1 Coaching. ➡︎ budgetbesties.com/coaching

This podcast is for educational and informational purposes only and is not personal financial, legal, or tax advice.

This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase.

How To Stop Living Paycheck To Paycheck And Get One Paycheck Ahead | 517

Wed, 21 Jan 2026 05:15:00 -0400

Are you tired of that suffocating paycheck-to-paycheck cycle—even though you make good money? You’re not alone, and you're not doing anything wrong. In this episode, Shana and Vanessa are breaking down exactly how to get a paycheck ahead and why it’s the key to breathing room in your budget.

We're diving into:

Why living paycheck to paycheck is still the norm for so many (even with a solid income)
How the budgeting system most of us learned is working against us
What it actually looks like to be a paycheck ahead (and why it changes everything)
The exact steps to shift your budget one paycheck ahead—without the overwhelm
Real client stories and examples to help you visualize what this looks like in real life
How being a paycheck ahead makes your budget automatic, less stressful, and way more peaceful

Whether your paychecks land on the 1st, 15th, or every other Friday—this episode will help you finally feel in control of your money (instead of always catching up). If you’ve ever said, “I make decent money, but I still feel broke,” this one’s for you.

Let’s Take Our Relationship To The Next Level:

1️⃣ Facebook Group ➡︎ budgetbesties.com/facebook

2️⃣ Be on the Podcast ➡︎ budgetbesties.com/livecall

3️⃣ Private 1-on-1 Coaching. ➡︎ budgetbesties.com/coaching

This podcast is for educational and informational purposes only and is not personal financial, legal, or tax advice.

This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase.

7 Reasons You’re Living Paycheck To Paycheck | 516

Mon, 19 Jan 2026 05:15:00 -0400

If you’ve ever looked at your bank account and thought, “Wait… where did my money just go?” — this episode is your episode, bestie.

This week, we’re breaking down the 7 real reasons so many of us stay stuck in the paycheck-to-paycheck cycle (even if we’re making good money). We’re talking overspending, surprise expenses, one giant messy bank account, and some serious decision fatigue.

And don't worry — we’re not just pointing out the problems. We’re showing you how to flip the script and finally get a paycheck ahead, with practical tips to bring clarity, calm, and control to your budget.

We cover:

💸 Why budgeting by paycheck is keeping you broke

📆 The power of monthly budgeting and thinking bigger

🏦 Why one messy account is low-key ruining everything

🔄 The spending mistake most of us don’t even realize we’re making

🚨 How "unexpected" expenses are actually very expected

🧾 Paying for your past vs. planning your future

🎯 And why getting a paycheck ahead is more doable than you think

We’re diving into mindset shifts and giving you the step-by-step game plan to take your budget from chaos to calm. This is the clarity and strategy you’ve been craving, without the shame spiral.

Let’s Take Our Relationship To The Next Level:

1️⃣ Facebook Group ➡︎ budgetbesties.com/facebook

2️⃣ Be on the Podcast ➡︎ budgetbesties.com/livecall

3️⃣ Private 1-on-1 Coaching. ➡︎ budgetbesties.com/coaching

This podcast is for educational and informational purposes only and is not personal financial, legal, or tax advice.

This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase.

What to Do When Dave Ramsey Isn’t Realistic for Your Life | 530

Fri, 16 Jan 2026 05:15:00 -0400

This week, we’re talking about what it really looks like to budget with intention—and still enjoy your life. 💸❤️ One of our coaching clients joins us to share her experience going from feeling restricted by traditional advice (yes, we’re side-eyeing the rice and beans life 👀) to feeling empowered by a budget that actually fits her real life.

In this conversation, we dive into:

Why budgeting isn’t about punishment or perfection
The difference between guilt and guidance when it comes to spending
How our six-month coaching journey helped her confidently adjust her numbers over time
What it feels like to be supported and still allowed to celebrate with birthday cake (even if it’s a lil’ bougie) 🎂

This episode is for every budget bestie who's ever felt like they had to choose between getting out of debt and enjoying life. Spoiler: you don’t have to choose. You get to do both—with a plan that works for you.

Let’s Take Our Relationship To The Next Level:

1️⃣ Facebook Group ➡︎ budgetbesties.com/facebook

2️⃣ Be on the Podcast ➡︎ budgetbesties.com/livecall

3️⃣ Private 1-on-1 Coaching. ➡︎ budgetbesties.com/coaching

This podcast is for educational and informational purposes only and is not personal financial, legal, or tax advice.

This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase.

How to Plan Your Money for 2026 (Step-by-Step Annual Budget Setup) | 514

Wed, 14 Jan 2026 05:15:00 -0400

Budget Besties, let’s be real—most of us don’t have a money problem… we’ve got a January problem. And not because it’s cold or because the holiday hangover is hitting hard, but because this is the month where all those “surprise expenses” from the year ahead start creeping in… and blowing up our budgets.

In this episode, Shana and Vanessa walk you through how to take control of your money in 2026 by planning on purpose. We’re not just talking about budgets—we’re talking about setting the vision for your entire year and making sure your money supports that vision. Whether it’s travel, a promotion, a kid starting kindergarten, or finally upgrading that 2001 backdoor (Shana 👀), this is the episode that helps you actually get ahead.

We’re sharing how to:

Go from “I don’t have a plan” to “I’ve got a plus!” 👏
Think big-picture (hello, bird’s eye view of 2026)
Break down those dreamy goals into a monthly budget that works
Use our Savings Bucket Planner to prep for those expenses that aren’t monthly—but still matter
Get your budget to match your life (not the other way around)
Automate your budget so your money moves where it’s supposed to—without you lifting a finger

If you’re making good money but still wondering where it’s all going, 2026 is the year we fix that. You don’t need a magic wand, you just need a budget that fits your life and goals—and that’s exactly what we’re showing you how to create.

Let’s Take Our Relationship To The Next Level:

1️⃣ Facebook Group ➡︎ budgetbesties.com/facebook

2️⃣ Be on the Podcast ➡︎ budgetbesties.com/livecall

3️⃣ Private 1-on-1 Coaching. ➡︎ budgetbesties.com/coaching

This podcast is for educational and informational purposes only and is not personal financial, legal, or tax advice.

This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase.

The Best Budget Template for 2026: Say Goodbye to Guessing, Overspending, and Tracking Every Dollar | 513

Mon, 12 Jan 2026 05:15:00 -0400

Hey, budget besties! 💸 If you’ve ever bounced between three different budget templates and ditched them all by mid-February, this episode is your financial wake-up call—in the most loving, supportive, and fun way, of course.

Here’s the truth:

✨ The best budget in 2026 is the one you’ll still be using in December. ✨

And if you haven’t found that yet? Sis, it’s not your fault. You don’t have a template problem—you’ve got a system problem.

In This Episode:

Shana and Vanessa are spilling the tea on why most budget templates don’t work (and leave you feeling like it’s your fault), and what you actually need to stay consistent all year long.

We’re covering:

✔️ Why motivation and willpower shouldn’t be required to manage your money

✔️ The test to figure out if your current budget system is secretly sabotaging you

✔️ Common traps that make budgeting feel like a full-time job

✔️ Must-have features in the best budget template for real life in 2026

✔️ How our Simplified Budget System helps you plan per paycheck without the overwhelm

✔️ Why your budget should work for you—whether you're a busy mom, a college student, or deep in a life transition

✔️ The “aha!” moment clients get when their budget finally clicks

Let’s Take Our Relationship To The Next Level:

1️⃣ Facebook Group ➡︎ budgetbesties.com/facebook

2️⃣ Be on the Podcast ➡︎ budgetbesties.com/livecall

3️⃣ Private 1-on-1 Coaching. ➡︎ budgetbesties.com/coaching

This podcast is for educational and informational purposes only and is not personal financial, legal, or tax advice.

This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase.

Where Is My Money Going? Real Budget Coaching + Fixes That Work | 512

Fri, 09 Jan 2026 23:12:00 -0400

Enjoy Day 5 of our Money Makeover Bootcamp!

Watch it here.

Connect With Us:

1️⃣ Facebook Group – Join the community. Our free group is where the real talk happens. Connect with other women who are learning how to budget, save, and finally feel in control, together. ➡︎ budgetbesties.com/facebook

2️⃣ Automate Your Budget Masterclass – Watch it now, no waiting. This FREE on-demand training shows you how to set up a budget that matches your lifestyle, without tracking every dollar or feeling restricted. ➡︎ budgetbesties.com/automate

3️⃣ Budget – Grab our Simplified Budget System! You don’t need another budget, you need a system that does the math, makes the plan, and gives you permission to spend. ➡︎ budgetbesties.com/budget

4️⃣ Private 1-on-1 Coaching – Get a plan and a coach. We’ll build your full budget system together, so you always know what to do and feel confident doing it. ➡︎ budgetbesties.com/coaching

5️⃣ Be on the Podcast – Free coaching, real convo. Come chat with us on the show! Get real-time financial coaching and help other women by sharing your story. ➡︎ budgetbesties.com/livecall

"I love Shana & Vanessa and this podcast is amazing!" 👈🏻 If that sounds like you… ✨ Please take a second to rate & review the show! It helps us reach more people—just like you—who are ready to change their financial future. 🔔 Don’t forget to follow so you never miss an episode! 💌 And if you're feeling extra generous, share this podcast with a friend who needs it. We’d be so honored. 🙌

This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase!

Put Your Money and Budget On Autopilot in 2026: Automate Your Bills, Spending & Savings | 511

Thu, 08 Jan 2026 14:20:00 -0400

Enjoy Day 4 of our Money Makeover Bootcamp!

Watch this episode here.

Connect With Us:

5️⃣ Be on the Podcast – Free coaching, real convo. Come chat with us on the show! Get real-time financial coaching and help other women by sharing your story. ➡︎ budgetbesties.com/livecall

This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase!

How to Stop Living Paycheck to Paycheck and Get One Paycheck Ahead | 510

Wed, 07 Jan 2026 14:50:00 -0400

Day 3 of our Money Makeover Bootcamp: How to Stop Living Paycheck to Paycheck and Get One Paycheck Ahead. Enjoy!

Connect With Us:

5️⃣ Be on the Podcast – Free coaching, real convo. Come chat with us on the show! Get real-time financial coaching and help other women by sharing your story. ➡︎ budgetbesties.com/livecall

This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase!

Get Clear On Where Your Money Goes: Separate And Organize Your Money | 509

Tue, 06 Jan 2026 14:21:00 -0400

Get Debit Card Stickers Here!

Day 2 of our Money Makeover Bootcamp! Enjoy!

Connect With Us:

5️⃣ Be on the Podcast – Free coaching, real convo. Come chat with us on the show! Get real-time financial coaching and help other women by sharing your story. ➡︎ budgetbesties.com/livecall

This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase!

How to Create a Simple Budget That Fits Your Life in 2026 Without Tracking Every Dollar | 508

Mon, 05 Jan 2026 14:21:00 -0400

If you want a simple budget that fits your life in 2026, not a spreadsheet you’ll abandon by February, this episode is for you.

In this episode of Financial Coaching for Women, Shana and Vanessa walk through how to create a simple budget that works with your real income, real spending, and real lifestyle.

If you make good money but still feel like your budget never quite fits your life, the issue isn’t discipline or motivation. It’s that most budgeting methods weren’t designed for how people actually live.

This conversation breaks down how to build a simple, flexible budget using an automatic system that helps you manage money, pay off debt, and save consistently without feeling restricted or overwhelmed.

In this episode, we answer questions like:

• What does a “simple budget” actually mean in real life?

• How do you create a budget that fits your lifestyle instead of fighting it?

• Why do most budgets stop working after a few weeks?

• How can an automatic budget system make managing money easier?

• What should a modern budget look like in 2026?

If you’re tired of starting over every month and want a budgeting system that works in the background while you live your life, start with the Money Makeover Bootcamp or jump straight into the Simplified Budget System when you’re ready.

Let’s Take Our Relationship To The Next Level:

1️⃣ Facebook Group ➡︎ budgetbesties.com/facebook

2️⃣ Be on the Podcast ➡︎ budgetbesties.com/livecall

3️⃣ Private 1-on-1 Coaching. ➡︎ budgetbesties.com/coaching

This podcast is for educational and informational purposes only and is not personal financial, legal, or tax advice.

This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase.

Click here to view our privacy policy. https://budgetbesties.com/privacy

How to Budget in 2026 Without Tracking Every Penny (A Better Money System) | 507

Fri, 02 Jan 2026 05:15:00 -0400

If your New Year’s goal is to be better with money, but the idea of tracking every single expense makes you want to avoid your bank app altogether, this episode is for you.

In this episode of Financial Coaching for Women, Shana and Vanessa break down why traditional budgeting methods don’t work for real life and what actually does.

If you make good money but still feel like you have nothing to show for it, the problem isn’t you. It’s the outdated budgeting systems you’ve been taught.

This conversation walks through how to build a simple, automatic budget system that helps you manage money, pay off credit card debt, and save consistently without guilt, restriction, or spreadsheet burnout.

In this episode, we answer questions like:

• Why does tracking every penny feel exhausting and unsustainable?

• Why do most budgets feel restrictive even when you’re earning good money?

• What does it actually mean to have an automatic budget system?

• How can you stop living paycheck to paycheck without cutting everything you enjoy?

• What does a modern budget look like for real life, not perfect spreadsheets?

If you’re tired of starting over every month and want a budgeting system that works in the background while you live your life, start with the Money Makeover Bootcamp (hyperlinked again) or jump straight into the Simplified Budget System (hyperlinked again) when you’re ready.

Let’s Take Our Relationship To The Next Level:

1️⃣ Facebook Group ➡︎ budgetbesties.com/facebook

2️⃣ Be on the Podcast ➡︎ budgetbesties.com/livecall

3️⃣ Private 1-on-1 Coaching. ➡︎ budgetbesties.com/coaching

This podcast is for educational and informational purposes only and is not personal financial, legal, or tax advice.

This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase.

How to Get Out of Debt in 2026 Without Giving Up Your Life | 506

Wed, 31 Dec 2025 12:28:00 -0400

If you’ve ever said “I want to be debt-free, but I’m not giving up lattes, date nights, or vacations,” this episode is for you.

In this episode of Financial Coaching for Women, Shana and Vanessa kick off 2026 with a realistic, sustainable plan to get out of debt without white-knuckling your way through the month or living on rice and beans.

If you make good money but still feel stuck with credit card debt, the issue isn’t discipline. It’s the debt payoff strategies you’ve been taught.

This conversation breaks down how to pay off debt using a system that fits real life, supports consistency, and doesn’t require you to sacrifice everything you enjoy.

In this episode, we answer questions like:

• Why don’t you need to be “gazelle intense” to get out of debt?

• How can you track all of your debt in one clear, simple place?

• What are the three main ways to pay off debt and how do you choose the right one?

• Why aren’t minimum payments actually the enemy?

• How do you find your “extra on debt” number without stressing every month?

• How can you act as your own bank so unexpected expenses don’t derail your progress?

Let’s Take Our Relationship To The Next Level:

1️⃣ Facebook Group ➡︎ budgetbesties.com/facebook

2️⃣ Be on the Podcast ➡︎ budgetbesties.com/livecall

3️⃣ Private 1-on-1 Coaching. ➡︎ budgetbesties.com/coaching

This podcast is for educational and informational purposes only and is not personal financial, legal, or tax advice.

This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase.

Why You Keep Overspending Even When You Make Good Money in 2026 | 505

Mon, 29 Dec 2025 05:15:00 -0400

If you’ve ever said “I want to be debt-free, but I’m not giving up lattes, date nights, or vacations,” this episode is for you.

If you make good money but still feel stuck with credit card debt, the issue isn’t discipline. It’s the debt payoff strategies you’ve been taught.

This conversation breaks down how to pay off debt using a system that fits real life, supports consistency, and doesn’t require you to sacrifice everything you enjoy.

In this episode, we answer questions like:

• Why don’t you need to be “gazelle intense” to get out of debt?

• How can you track all of your debt in one clear, simple place?

• What are the three main ways to pay off debt and how do you choose the right one?

• Why aren’t minimum payments actually the enemy?

• How do you find your “extra on debt” number without stressing every month?

• How can you act as your own bank so unexpected expenses don’t derail your progress?

Let’s Take Our Relationship To The Next Level:

1️⃣ Facebook Group ➡︎ budgetbesties.com/facebook

2️⃣ Be on the Podcast ➡︎ budgetbesties.com/livecall

3️⃣ Private 1-on-1 Coaching. ➡︎ budgetbesties.com/coaching

This podcast is for educational and informational purposes only and is not personal financial, legal, or tax advice.

This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase.

How to Create a Simple 2026 Budget That Actually Works | 504

Fri, 26 Dec 2025 05:15:00 -0400

If you’re starting January 2026 feeling motivated but already overwhelmed by the idea of budgeting, this episode is for you.

In this episode of Financial Coaching for Women, Shana and Vanessa walk you step by step through how to create a simple January budget that supports your real life instead of fighting it.

This isn’t about cutting everything fun or tracking every transaction. It’s about setting up a budget that helps you pay off debt, build savings, and feel confident with your money without burnout.

You’ll learn how to approach your January budget with clarity, how to plan for expenses without guilt, and how to use an automatic system that keeps your money organized in the background.

In this episode, we answer questions like:

• How do you create a January budget that actually feels doable?

• Why do most budgets fall apart after the first few weeks?

• How can you plan for debt payoff and savings at the same time?

• What does a simple budget look like when you make good money?

• How do you stop restarting your budget every single month?

Let’s Take Our Relationship To The Next Level:

1️⃣ Facebook Group ➡︎ budgetbesties.com/facebook

2️⃣ Be on the Podcast ➡︎ budgetbesties.com/livecall

3️⃣ Private 1-on-1 Coaching. ➡︎ budgetbesties.com/coaching

This podcast is for educational and informational purposes only and is not personal financial, legal, or tax advice.

This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase.

A Gentle Money Reset After the Holidays | 503

Wed, 24 Dec 2025 05:15:00 -0400

This is a short and gentle check in for anyone easing back into real life after the holidays.

In this episode of Financial Coaching for Women, Shana and Vanessa pop in with a quick reminder that you don’t need to punish yourself, restrict everything, or start over aggressively just because the holidays are over.

There’s no budgeting homework in this one. No spreadsheets. No to do list. Just a moment to breathe, reset, and remind yourself that how you move forward matters more than how December went.

This episode is here to help you:

• Release post holiday money guilt

• Let go of all or nothing thinking

• Approach your finances with calm instead of pressure

• Reset without shame or urgency

Let’s Take Our Relationship To The Next Level:

1️⃣ Facebook Group ➡︎ budgetbesties.com/facebook

2️⃣ Be on the Podcast ➡︎ budgetbesties.com/livecall

3️⃣ Private 1-on-1 Coaching. ➡︎ budgetbesties.com/coaching

This podcast is for educational and informational purposes only and is not personal financial, legal, or tax advice.

This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase.

How to Plan a Peaceful and Intentional Year With Your Money | 502

Mon, 22 Dec 2025 00:17:00 -0400

If you’re heading into a new year already feeling overwhelmed and behind, this episode is for you.

In this episode of Financial Coaching for Women, Shana and Vanessa sit down with Kerri Patt to talk about how to plan a year that feels peaceful, intentional, and aligned with real life, not packed with unrealistic goals.

This conversation goes beyond budgeting tactics and focuses on how time, money, and priorities all work together. You’ll hear how to map out big life moments, plan ahead for what matters most, and use your budget as a support system instead of a source of pressure.

This episode helps you think beyond your next paycheck and start planning a year that reflects your values, your family, and the life you actually want to live.

In this episode, we answer questions like:

• How do you plan a year without feeling overwhelmed?

• How can your budget support big life moments instead of reacting to them?

• What does intentional planning look like for real life?

• How do you balance money goals with rest, family, and joy?

• How do you move into a new year with clarity instead of chaos?

Let’s Take Our Relationship To The Next Level:

1️⃣ Facebook Group ➡︎ budgetbesties.com/facebook

2️⃣ Be on the Podcast ➡︎ budgetbesties.com/livecall

3️⃣ Private 1-on-1 Coaching. ➡︎ budgetbesties.com/coaching

This podcast is for educational and informational purposes only and is not personal financial, legal, or tax advice.

This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase.

How to Stop Using Credit Cards and Get One Month Ahead on Your Budget | 501

Fri, 19 Dec 2025 05:15:00 -0400

If you’re heading into a new year already feeling overwhelmed and behind, this episode is for you.

In this episode of Financial Coaching for Women, Shana and Vanessa sit down with Carrie to talk about how to plan a year that feels peaceful, intentional, and aligned with real life, not packed with unrealistic goals.

This episode helps you think beyond your next paycheck and start planning a year that reflects your values, your family, and the life you actually want to live.

In this episode, we answer questions like:

• How do you plan a year without feeling overwhelmed?

• How can your budget support big life moments instead of reacting to them?

• What does intentional planning look like for real life?

• How do you balance money goals with rest, family, and joy?

• How do you move into a new year with clarity instead of chaos?

Let’s Take Our Relationship To The Next Level:

1️⃣ Facebook Group ➡︎ budgetbesties.com/facebook

2️⃣ Be on the Podcast ➡︎ budgetbesties.com/livecall

3️⃣ Private 1-on-1 Coaching. ➡︎ budgetbesties.com/coaching

This podcast is for educational and informational purposes only and is not personal financial, legal, or tax advice.

This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase.

Should I Pay Off My House Early or Use My Money Differently? | 500

Wed, 17 Dec 2025 05:15:00 -0400

If you’re trying to stop using credit cards but feel like your income is unpredictable and your budget never quite works, this episode is for you.

In this episode of Financial Coaching for Women, Shana and Vanessa sit down with Leah, a self-employed listener navigating variable income, savings overwhelm, and the pressure to rely on credit cards just to stay afloat.

If you make good money but still feel behind, the issue isn’t discipline. It’s not having a budgeting system that can flex with real life and inconsistent paychecks.

This conversation walks through how to create a step-by-step budget that works even when your income changes month to month, how to build a one-month buffer, and how to stop depending on credit cards without feeling restricted or stressed.

In this episode, we answer questions like:

• How do you get a paycheck ahead when your income isn’t consistent?

• How do you build savings buckets without feeling overwhelmed?

• Why can paying interest strategically sometimes help you move forward?

• How do you stop using credit cards without falling behind on bills?

• What does a realistic budget look like for self-employed or variable income households?

Let’s Take Our Relationship To The Next Level:

1️⃣ Facebook Group ➡︎ budgetbesties.com/facebook

2️⃣ Be on the Podcast ➡︎ budgetbesties.com/livecall

3️⃣ Private 1-on-1 Coaching. ➡︎ budgetbesties.com/coaching

This podcast is for educational and informational purposes only and is not personal financial, legal, or tax advice.

This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase.

Should You Pay Off Debt or Invest First in 2026? | 499

Mon, 15 Dec 2025 06:15:00 -0400

If you’re ready to invest but still carrying debt and don’t even feel clear on your budget yet, this episode is for you.

In this episode of Financial Coaching for Women, Shana and Vanessa break down one of the most common questions women ask once they start making decent money: should you focus on paying off debt first, or is it time to start investing?

This conversation walks through how budgeting, debt payoff, and investing actually work together, not as competing goals, but as part of one clear system.

If you make good money but feel unsure about what should come first, the issue isn’t discipline. It’s not having a clear order of operations.

In this episode, we answer questions like:

• When does it make sense to start investing if you still have debt?

• How do you know if you’re actually ready to invest?

• Why budgeting has to come before both debt payoff and investing

• How debt impacts your ability to invest confidently

• How to make progress without accidentally sabotaging your financial future

Let’s Take Our Relationship To The Next Level:

1️⃣ Facebook Group ➡︎ budgetbesties.com/facebook

2️⃣ Be on the Podcast ➡︎ budgetbesties.com/livecall

3️⃣ Private 1-on-1 Coaching. ➡︎ budgetbesties.com/coaching

This podcast is for educational and informational purposes only and is not personal financial, legal, or tax advice.

This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase.

Why Overspending Keeps Happening Even When You Try to Budget With Katy Wells | 498

Fri, 12 Dec 2025 07:00:00 -0400

Get Katy's Book: Making Home Your Happy Place: A Real-Life Guide to Decluttering Without the Overwhelm

Budget besties, this one’s gonna hit home...literally. We’re joined by the incredible Katy Wells, decluttering expert, podcast host of The Maximize Minimalist, and author of the upcoming book Make Home Your Happy Place. If you’ve ever looked around your house and thought “I cannot deal with this today,” this episode is your reset button. 🙌

We dive deep into:

The emotional roots of clutter and how it ties to our “stuff story”
Why traditional decluttering advice falls short (hello, rainbow bins and weekend burnout)
The powerful connection between your home environment, mental health, and even your spending habits
Practical ways to declutter without needing a free weekend and a magic wand
How to involve your partner, kids, and even your shopping triggers in a totally doable way

Katy’s philosophy of holistic decluttering will have you rethinking your relationship with stuff—and how it's all connected to your finances, your energy, and your peace of mind.

✨ Plus, she shares how to set up a “donation station” (game changer), use clutter audits that take less than a minute, and why you don’t have to wait until your kids grow up to feel good in your home.

In this episode, we cover:

Why clutter is never just about stuff
How our upbringing, culture, and personal history shape how we manage our homes
The psychology of “add to cart” and what it has to do with dopamine
Small daily habits that make a BIG impact (without overhauling your entire weekend)
Ways clutter and money stress feed into each other and how to stop the spiral

Let’s Take Our Relationship To The Next Level:

1️⃣ Facebook Group ➡︎ budgetbesties.com/facebook

2️⃣ Be on the Podcast ➡︎ budgetbesties.com/livecall

3️⃣ Private 1-on-1 Coaching. ➡︎ budgetbesties.com/coaching

Connect with kathy:

Katy’s book Make Home Your Happy Place is available for pre-order now and is packed with everything we talked about (and more). It’s not just a book—it’s your companion through the mess, mindset, and magic of creating a home that works for you. 💛

Links & Resources

📚 Pre-order Katy’s book + get the bonuses: https://www.katyjoywells.com

🎧 Listen to The Maximized Minimalist podcast

📸 Follow Katy on IG: @katyjoywells

This podcast is for educational and informational purposes only and is not personal financial, legal, or tax advice.

This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase.

The Money Makeover Bootcamp Is Back for 2026 and Here’s Why It Works | 497

Wed, 10 Dec 2025 07:00:00 -0400

If you’ve been listening to the podcast and thinking, “I get it… but how do I actually do this?”, this episode is for you.

In this episode of Financial Coaching for Women, Shana and Vanessa break down why the Money Makeover Bootcamp exists, how it’s different from just listening to podcast episodes, and why it’s the fastest way to build real momentum with your money heading into 2026.

This conversation walks through what actually changes when you stop relying on willpower and start using a system that runs in the background of your life.

If you make good money but still feel stuck starting over each month, this episode explains why more information isn’t the answer and what kind of structure actually leads to consistency.

In this episode, we answer questions like:

• What the Money Makeover Bootcamp is and who it’s designed for

• Why budgeting systems fail when they rely on motivation instead of structure

• How separating and automating your money reduces stress and decision fatigue

• What makes this bootcamp different from free content or traditional budgeting advice

• How the bootcamp supports you step by step instead of overwhelming you

Let’s Take Our Relationship To The Next Level:

1️⃣ Facebook Group ➡︎ budgetbesties.com/facebook

2️⃣ Be on the Podcast ➡︎ budgetbesties.com/livecall

3️⃣ Private 1-on-1 Coaching. ➡︎ budgetbesties.com/coaching

This podcast is for educational and informational purposes only and is not personal financial, legal, or tax advice.

This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase.

How to Set Financial Goals in 2026 That Actually Fit Your Real Life | 496

Mon, 08 Dec 2025 11:04:00 -0400

If you’re heading into a new year and want your money to actually support the life you’re building, this episode is for you.

In this episode of Financial Coaching for Women, Shana and Vanessa walk through how to set clear, realistic financial goals for 2026 without relying on vague resolutions or unrealistic motivation.

This conversation focuses on aligning your budget, savings, and spending decisions with what actually matters to you so your money works in real life, not just on paper.

If you make good money but still feel unsure whether your financial choices are moving you forward, the issue isn’t discipline. It’s having a plan that connects your goals to your day-to-day money decisions.

In this episode, we answer questions like:

• How do you set financial goals that are realistic and flexible?

• What’s the difference between short-term, mid-term, and long-term money goals?

• How do you tie your budget to your priorities instead of generic advice?

• How can you plan for big life goals without feeling overwhelmed?

• What does intentional money planning actually look like in real life?

Let’s Take Our Relationship To The Next Level:

1️⃣ Facebook Group ➡︎ budgetbesties.com/facebook

2️⃣ Be on the Podcast ➡︎ budgetbesties.com/livecall

3️⃣ Private 1-on-1 Coaching. ➡︎ budgetbesties.com/coaching

This podcast is for educational and informational purposes only and is not personal financial, legal, or tax advice.

This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase.

The Money Mindset Shift Every Woman Needs to Feel Confident Again | 495

Fri, 05 Dec 2025 11:04:00 -0400

Check out Carrie's Podcast!

We’re bringing back one of our all-time favorite convos with our good friend and Diet Disruptor queen, Carrie Lupoli! If you missed it the first time (or need a refresh), get ready for one seriously powerful conversation on how your financial health and physical health go hand-in-hand.

Carrie has called us her besties for years (aw 🥹), and in this re-air, we finally sat down with her on the mic to talk about how getting your money in check can actually transform your mental clarity, stress levels, and even your relationship with food.

👯‍♀️ What We Chat About:

The surprising connection between financial stress and health struggles
Why “not knowing what you don’t know” is not your fault—and how to unlearn it
How Carrie and her husband completely shifted their money mindset and now have money left at the end of the month 🙌
What it means to budget like a grown-up without giving up brunch, beauty, or bacon 🍳
Why credit card “points” aren’t doing you any favors (sorry, not sorry 😅)
A simple, automated budgeting system that makes life easier—yes, automagically 🪄
Teaching your kids financial confidence early (Carrie’s 20-year-old is thriving!)

Connect With Us:

1️⃣ Facebook Group – Join the community. Our free group is where the real talk happens. Connect with other women who are learning how to budget, save, and finally feel in control, together. ➡︎ budgetbesties.com/facebook

2️⃣ Automate Your Budget Masterclass – Watch it now, no waiting. This FREE on-demand training shows you how to set up a budget that matches your lifestyle, without tracking every dollar or feeling restricted. ➡︎ budgetbesties.com/automate

3️⃣ Budget – Grab our Simplified Budget System! You don’t need another budget, you need a system that does the math, makes the plan, and gives you permission to spend. ➡︎ budgetbesties.com/budget

4️⃣ Private 1-on-1 Coaching – Get a plan and a coach. We’ll build your full budget system together, so you always know what to do and feel confident doing it. ➡︎ budgetbesties.com/coaching

5️⃣ Be on the Podcast – Free coaching, real convo. Come chat with us on the show! Get real-time financial coaching and help other women by sharing your story. ➡︎ budgetbesties.com/livecall

"I love Shana & Vanessa and this podcast is amazing!" 👈🏻 If that sounds like you… ✨ Please take a second to rate & review the show! It helps us reach more people—just like you—who are ready to change their financial future. 🔔 Don’t forget to follow so you never miss an episode! 💌 And if you're feeling extra generous, share this podcast with a friend who needs it. We’d be so honored. 🙌

This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase!

How to Budget by Paycheck and Create a System That Actually Works With Coach Michelle | 494

Wed, 03 Dec 2025 11:04:00 -0400

Check out Office Hours!

Guess who’s back on the podcast? Our incredible coach Michelle is here, and she’s bringing the behind-the-scenes scoop from office hours — aka where the magic happens every single week.

Whether you’ve joined us live or you’re wondering what office hours are all about, this episode breaks down the real questions people are asking (and the “aha” moments they’re walking away with).

From paycheck planning to deciding between savings buckets and spending accounts, this convo is full of clarity, encouragement, and real-life strategy.

Connect With Us:

This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase!

Year in Review: How to Reflect on Your Budget, Debt & Goals Before 2026 | 493

Mon, 01 Dec 2025 14:38:08 -0400

Schedule an Annual Planning Session.

Budget besties, 2026 is almost here—but don’t skip the most important step: looking back at your 2025 money moves. 👀💸

In this episode, we’re walking you through a quick + powerful Year-in-Review so you can:

Actually see where your money went
Celebrate how far you've come (yes, even if it doesn’t feel like it)
Spot what needs adjusting before you set 2026 goals

We’re talking debt payoff, savings buckets, spending patterns, life changes—and how to use that info to feel way more confident going into the new year.

✨ Grab your free checklist: budgetbesties.com/yearinreview
✨ Simplified Budget System owners — book your one-time planning session at budgetbesties.com/annualplanning
✨ Bootcamp is coming Dec 29th: budgetbesties.com/bootcamp

Connect With Us:

This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase!

How to Build Your December 2025 Budget (Step-By-Step Walkthrough) | 492

Fri, 28 Nov 2025 11:04:00 -0400

You know what time it is... it's DECEMBER BUDGET TIME! 🎁 And if you're like us, you're probably already bracing for the whirlwind of holidays, parties, gifts, and those sneaky little expenses that come outta nowhere (we see you, secret Santa and gymnastics party #3).

In this episode, we walk you step-by-step through how to build your December budget before the chaos takes over—because clarity now means peace later.

Here’s what we’re diving into:

✅ Closing out November

Before we do anything for December, we gotta see how November wrapped up. That means checking bills, income changes, surprise spending, and making sure your budget reflects what actually happened, not just what you planned.

✅ Setting Up December’s Budget

We start fresh—but not really! If you're using our system, it all auto-fills based on last month, so you’re not building from scratch. We show you how to plug in your income, including paychecks, side hustles, garage sales—you name it. Every dollar coming in matters.

✅ Listing Your Debt Minimums

No skipping this step. We’re laying out all those minimum payments so you can see exactly how much debt is costing you monthly. Why? Because awareness = power. And some of y’all are one payoff away from a BIG monthly win!

✅ Mapping Out Your Bills

We walk you through how to list every bill with a due date—from the mortgage and electric to those pesky subscriptions that add up fast. (Looking at you, 7 streaming services.)

✅ Budgeting for Spending—Yes, Real Life Spending

Gas. Groceries. Fun. Kid stuff. Personal spending. We break down how we use separate checking accounts for each so you know what’s safe to spend—no tracking needed. 🙌

✅ Planning for the Extras This Month

December’s got layers: holiday travel, birthdays, class parties, random gift exchanges. We show you where to plug in those “extras” so they don’t sneak-attack your budget.

✅ Stacking Your Savings Buckets

Whether it’s for Christmas 2026 or your annual HOA fee, those savings buckets are key to staying out of debt for good. We give you the rundown on how our clients are funding theirs, even in a busy season.

✅ Using Leftover Money With Intention

Once everything’s plugged in, what’s left? That’s the magic. Whether it’s extra debt payments or beefing up your savings, we show you how to finish your budget strong—without guessing.

Connect With Us:

This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase!

Lessons from Real Coaching Clients: How to Set Up Teen Allowance with Bank Accounts, Combine Finances in Marriage, and Rebuild Financial Trust with Your Spouse | 491

Wed, 26 Nov 2025 11:04:00 -0400

Hey, budget besties! 🙌

This week, we're bringing you straight into the coaching room—real client convos, real financial struggles, and real solutions that you can take and use TODAY.

We’re covering two big topics:

Whether you’re team “chores-for-cash” or you’re just trying to give your teen lunch money without handing over your debit card—this one’s for you.

We break down:

Why separate kid accounts are a game changer
How to start small with a simple debit card setup (no fancy apps needed!)
What to do if your kids have jobs, commute siblings, or help around the house
How this ONE system builds financial literacy, teaches responsibility, and saves you from being the Bank of Mom & Dad

Bottom line? This is less about the money and more about the life skills you’re handing your kids. And you don’t need some overpriced app to do it. You’ve got this.

We’re also diving deep into something that comes up all the time in our coaching sessions: trust around money in relationships.

Shana shares a powerful story from a couple who had been together for nearly 20 years but still hadn’t fully merged their finances. Spoiler alert: It wasn’t because of anything they did to each other—it was childhood money trauma they never unpacked.

We talk about:

What might really be behind your hesitation to combine finances
Why getting financially naked might be the real intimacy block 😬
How to have honest conversations about past mistakes, guilt, and money baggage
The path forward when there’s a history of mistrust—and how healing IS possible

If you’re married (or partnered) and feel like you’re in your own financial lane, this episode will hit home.

Whether you're teaching your teens to track their balances or working through decades of financial “stuff” with your partner, just know—we’re in this with you.

You’re not behind.
You’re not the only one.
And you’re definitely not alone.

🧡 We're cheering you on every step of the way.

Connect With Us:

This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase!

Emergency Fund vs. Savings Buckets: Why You Need Both and When to Use Each | 490

Mon, 24 Nov 2025 11:04:00 -0400

Let’s clear the air: an emergency fund is NOT a catch-all for life’s expenses. Most of what wrecks your budget month to month? Not true emergencies — just unexpected-but-actually-expected stuff like car repairs, insurance renewals, and holiday madness.

In this episode, we’re breaking down:

The real difference between an emergency fund and savings buckets
Why saving $1,000 and calling it a day isn’t the move
What to do before paying off debt
The 6 steps we walk our clients through (and why this order makes your budget work better)
Why you’re always draining your savings account without realizing it

🎯 We’ll also chat about how to:

Figure out how much you need in your mini emergency fund
Brainstorm savings buckets that make sense for your real life
Avoid the “oops, I forgot about that bill” panic
Finally create a financial plan that’s flexible, clear, and works for you

Plus: We share details on our upcoming Budget Bootcamp starting December 29th! (Don’t worry — no homework now, just get your name on the list.)

This episode is your budget reset button — whether you’re just starting or you’ve been winging it and wondering why it’s not working.

Connect With Us:

This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase!

Should We Sell Our House to Get Out of Debt? What We’re Wrestling With as a One-Income Family | 489

Fri, 21 Nov 2025 10:04:00 -0400

Budget besties, whew — grab your tissues and your coffee. In this powerful episode, we sit down with Mackenzie, a wife, mama of two, and full-time working powerhouse navigating a major life pivot after her husband lost his job. Spoiler: this conversation is about so much more than money.

From a job loss to reworking their budget and leaning into a new side hustle, Mackenzie walks us through the real life stuff — the stress, the faith, and the tough decisions that so many of us face but don’t always talk about.

We dig into:

💸 What to do when your income suddenly drops

🏡 Why selling your house might not be the answer

🧮 How to actually figure out how long your savings can last

❤️ The emotional weight of being the breadwinner... and choosing not to be anymore

💡 Why pursuing purpose can still be part of your financial plan

🙌 And the reminder we all need: THIS is why we budget — so we’re prepared when life hits

Mackenzie’s vulnerability, grit, and heart are what this community is all about. If you’ve ever felt like you're holding everything together with duct tape and coffee, this one’s for you.

Today, we’re bringing you another round of real-life stories and real-life lessons straight from our private coaching sessions. Because if our clients are dealing with it… chances are you are too.

Our goal? To help you avoid the same mistakes, feel less alone, and walk away with practical wins you can use today in your budget.

Connect With Us:

This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase!

Lessons from Real Coaching Clients: Why Biweekly Mortgage Payments and Micro-Investing Apps Like Acorns Might Be Keeping You Broke | 488

Wed, 19 Nov 2025 13:51:28 -0400

Our goal? To help you avoid the same mistakes, feel less alone, and walk away with practical wins you can use today in your budget.

Connect With Us:

This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase!

How to Afford Christmas Without the Credit Card Regret | 487

Mon, 17 Nov 2025 11:04:00 -0400

In this replay, we’re taking you back to a powerful holiday episode where we teamed up with the amazing Anna from the It's About Time Podcast! If Christmas tends to sneak up on you (and your wallet), this one’s a must-listen. We're sharing our best-kept secrets for cash flowing Christmas, ditching the credit cards, and yes—still being bougie on a budget 🎁✨

We break down:

Why you don’t have a spending problem—you just need to get organized
How our grandparents had 5-line-item budgets, and now we’re dealing with 85 tabs open in our brains 🤯
Why relying on credit cards for Christmas is a recipe for a holiday hangover
How to start being your own bank 💰 (bye-bye, points that don't pay)
Why budgeting isn’t restrictive—it’s just a plan for your priorities
The 5-column budget system we teach that makes things click
How to budget for Christmas without giving up what you love (pumpkin spice included ☕)
What to include in your holiday budget (spoiler: it’s more than just gifts)
How to loop in your kids without the money stress or guilt
Why Christmas can (and should!) be generous and planned

Connect With Us:

This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase!

Using Bonuses and Paychecks to Pay Off Debt Without Feeling Broke | 486

Fri, 14 Nov 2025 11:04:00 -0400

In today’s episode of Financial Coaching for Women, we sit down with Ashley—newly married, newly budgeting, and ready to take control of her family’s finances. Just two months into their budgeting journey, Ashley and her husband are working hard to live on their salaries alone so they can put commission checks toward debt payoff and long-term goals. But with unexpected expenses, consolidated loans, and a busy family life, staying on track isn’t always easy.

Together, we walk through her real numbers, real questions, and real challenges. If you're early in your budgeting journey—or trying to get back on track—you’ll feel right at home in this conversation.

Connect With Us:

This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase!

Why Credit Card Points Keep You Broke + When to Refinance Your Mortgage | 485

Wed, 12 Nov 2025 11:04:00 -0400

Today, we’re bringing you real stories and lessons straight from our private coaching sessions — because if our clients are dealing with it, chances are you are too. From credit card points to refinancing decisions, we’re breaking down what’s really happening behind the numbers so you can avoid the same mistakes, feel less alone, and walk away with some quick wins for your budget.

You’ll hear about a client who thought credit card points were the key to “winning” with money (spoiler: they weren’t), how another family is tackling a 7% mortgage the smart way, and why simple awareness can transform everything about how you spend, save, and plan.

This episode is full of aha moments, real talk, and encouragement for anyone ready to move from surviving to thriving. 💪

Connect With Us:

This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase!

Debt Consolidation vs. DIY Debt Payoff: What Actually Works and What to Avoid | 484

Mon, 10 Nov 2025 11:04:00 -0400

If you've ever felt tempted to call one of those "we'll fix your debt for you" companies, this episode is for you. 💸

We're pulling back the curtain on debt consolidation, settlement, and relief companies, and explaining how their promises can actually hurt your credit, delay progress, and drain your savings. Instead, we'll show you how to DIY your own debt relief plan — without paying someone else to do what you can do (better!) yourself.

In this episode, we cover:

Why debt relief companies often make things worse, not better
How debt consolidation and settlement actually work (and the hidden costs)
How to organize your debt and negotiate with creditors yourself
Building a DIY debt payoff system that puts you in control

Let’s Take Our Relationship To The Next Level:

1️⃣ Facebook Group ➡︎ budgetbesties.com/facebook

2️⃣ Be on the Podcast ➡︎ budgetbesties.com/livecall

3️⃣ Private 1-on-1 Coaching. ➡︎ budgetbesties.com/coaching

This podcast is for educational and informational purposes only and is not personal financial, legal, or tax advice.

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Debt-Free College Starts Here: Scholarships, FAFSA Tips, and Helping Teens Find the Right Path — with Shellee Howard | 483

Fri, 07 Nov 2025 11:04:00 -0400

College Ready with Shellee Howard

Y’all… this one is a must-listen if you’ve got high schoolers (or even middle schoolers 👀) under your roof. We sat down with college admissions expert Shellee Howard, and wow — she dropped SO many gems on how to help your kids go to college without taking on student loan debt. And yes, even if you’re not “low income.” There is strategy. There is money. And you’re probably missing it because you don’t know what you don’t know. Until now.

🎙 Here’s what we cover inside this episode:

The biggest misconceptions parents have about college admissions (you’ve probably thought at least one!)
Why relying on your high school counselor to help with college planning could cost you big time 💸
The three buckets of money (merit, independent scholarships & need-based aid) and how to tap into them
What really makes a student stand out on applications
Why community service is the golden ticket — and how to help your kid find their unique lane 🎯
The ROI mindset shift that’ll change how you and your kids pick a school
Genius email tips (parents, your teen will miss deadlines… unless you do this ✅)

💬 Real talk moments we loved:

“If you’re letting your teen pick their college list based on football teams or campus colors...we gotta talk.”
“You’re not just sending them to college — you’re making a six-figure decision. So let’s treat it like one.”
“Merit aid = they want you. So your kid better know how to bring it.”

👀 Favorite quote:

“There is SO much money out there. It’s not about being poor. It’s about knowing where to find it — and how to position your child as an asset to the school.”

📝 Free resources Shellee shared in this episode:

College Ready Plan info: https://collegereadyplan.info (she’s got a hidden spot just for our listeners 😉)
Empower Education World: A student-led nonprofit offering service hours + real impact https://empowereducationworld.org

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How to Pay Off $65,000 in Debt in Less Than a Year (Client Wins with Coach Michelle) | 482

Wed, 05 Nov 2025 11:04:00 -0400

Michelle is back! 🎉 In this episode, we’re catching up with our beloved office hours coach, Michelle, to celebrate client wins, lessons learned, and the powerful mindset shifts happening inside our Budget Besties community.

From one client paying off $65,000 in less than a year to couples learning how to work as a team on their finances, this conversation is full of encouragement and practical takeaways. Michelle shares stories from her weekly office hours — where members bring their real budgets, ask real questions, and walk away with real results.

Whether you’re struggling to get your spouse on board, trying to simplify your money system, or just need some hope that your effort is paying off — this episode is for you. 💪

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How To Be Bougie on a Budget — Spend Freely Without Debt, Guilt, or Overspending! | 481

Mon, 03 Nov 2025 11:04:00 -0400

Most people think budgeting means cutting back and saying “no” to everything fun — but we’re here to tell you it’s actually about saying yes! Yes to dinner out. Yes to vacations. Yes to the things you love — but with cash in hand and zero stress.

In this episode, we wrap up the Budget Besties Method with Step 8: Be Bougie on a Budget. You’ll hear how real clients and friends are living their best lives — from country clubs and horses to golf memberships and healthy food — all while sticking to their budgets. Because “bougie” looks different for everyone, and it’s not about how much you spend; it’s about spending with intention.

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How This Family Is Navigating the Government Shutdown Without Panic: Budget Tips You Can Use Now | 480

Fri, 31 Oct 2025 10:04:00 -0400

Budget besties, they're baaaack! Erin and Sarah return to the mic to share how their family is navigating yet another government shutdown — this time with way more peace of mind, way less panic, and (spoiler alert) a fully funded emergency fund. 🙌🏽

In this real and super timely episode, we dive into:

What it’s really like to lose 50% of your household income overnight
How the Simplified Budget System helped them stay calm (even when things got tight)
The power of being your own bank — and avoiding credit card debt
Strategic cuts (bye, vitamins 👋) + non-negotiables (hello, gymnastics 🤸‍♀️)
How Sarah’s side hustle is showing up big time right now
And how they’re getting their girls involved in budgeting without guilt or shame

If you’re in the thick of financial uncertainty — whether it's a shutdown, job loss, or just a tight season — Erin and Sarah’s story is your reminder that there is a way through it with clarity, connection, and cash flow that actually makes sense.

You’ll also hear:

What gets paused (subscriptions), what stays (horse food 🐴), and what gets tabled (Erin’s dream gun purchase)
Why getting on the same page with your partner is everything
How budgeting before the emergency hit changed everything about how they’re managing it now

Budgeting doesn't solve everything. But it does give you choices. And these two are living proof. 🫶🏽

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Make Your November 2025 Budget with Us: A Step-by-Step Monthly Money Plan | 479

Wed, 29 Oct 2025 10:04:00 -0400

Vanessa and Shayna walk you step-by-step through wrapping up October and setting up your budget for the new month — from matching your numbers to planning for Thanksgiving, travel volleyball, and yes… even surprise bills.

Because guess what? You don’t have to do your budget alone. We’ve got you. ❤️

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Stop Tracking Every Dollar: Create a Budget That Runs Automatically | 478

Mon, 27 Oct 2025 10:04:00 -0400

Here’s why most budgets fail: they’re manual. Every week, you’re trying to remember what’s due, what’s left, and what you were supposed to transfer. The more hands-on your budget is, the more likely you’ll skip a step, make a mistake, or just run out of time.

But what if your budget could run automagically? ✨

In this laugh-out-loud episode, Shayna and Vanessa show you how to set up your bank so it becomes your personal assistant — moving money to the right place at the right time without you lifting a finger.

With the help of one of the funniest metaphors we’ve ever had (spoiler: it involves curling irons and teenage daughters 😅), the Besties explain why the old way of budgeting is like burning your hair in the ‘90s — and how automation makes your money come to life “Be Our Guest”-style.

You’ll walk away knowing exactly how to make your bills, savings, and spending accounts run themselves… so your budget finally works while you go live your life.

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Divorcing Without Drama: Real Coaching on Shared Debt, Separate Accounts, and Transitioning to a Solo Budget | 477

Fri, 24 Oct 2025 10:04:00 -0400

Divorce is one of the most emotionally and financially challenging transitions you can go through — but it doesn’t have to mean financial chaos.

In this episode of Financial Coaching for Women, Shayna and Vanessa sit down with Linda, a listener who’s in the middle of an amicable divorce but still navigating shared accounts, joint debts, and a home they co-own.

Together, they walk through how to start separating finances, set up a simple money system, and communicate effectively with a spouse during such a sensitive season. You’ll hear practical steps for setting boundaries, tracking shared bills, and creating financial independence — even before the divorce is finalized.

If you’re trying to move forward financially while everything feels messy, this episode will give you both clarity and confidence. 💪

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The #1 Budgeting Shift That Will Give You Peace (and Still Let You Live Your Life!) | Reair: Bold Faith Moves with Jessie Mershon | 476

Wed, 22 Oct 2025 10:04:00 -0400

Hey, Budget Besties! 👋

Today, we’re reairing one of our favorite conversations — a guest appearance we did with our good friend Jesse Mershon, host of the Bold Faith Moves podcast. This was the very first time her community talked about budgeting on her show — and we went all in on making the “B word” less scary, more joyful, and a whole lot more empowering. 💪✨

In this episode, we share our story of friendship and faith, how we both became debt-free, and the real-life budgeting tips that changed everything. You’ll learn how to simplify your money, stop feeling overwhelmed, and still enjoy the life God’s blessed you with — yes, even if you love Target runs and pumpkin spice lattes. ☕💸

💳 The one simple bank account hack that will change your financial life
🏦 Why separating bills and spending money brings instant clarity and peace
💁‍♀️ How to be “bougie on a budget” — and still hit your money goals
🔁 How to automate your money so it practically runs itself
🙌 Why budgeting isn’t about restriction — it’s about freedom and stewardship
💖 The faith-filled mindset shift that turns guilt and shame into peace and purpose

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Your Credit Card Isn’t a Budget — How to Pay Off Credit Card Debt | 475

Mon, 20 Oct 2025 10:04:00 -0400

You make way too much money to be in this much debt — and we say that with love. ❤️

If you’re swiping your credit card for groceries, juggling balances between cards, and convincing yourself it’s worth it “for the points,” this episode is for you. We’re breaking down the truth about debt — how it keeps you stuck in the past — and showing you what it really means to fund your future instead.

Today, we’re talking about why your credit card is not your budget, what it looks like to be your own bank, and the small but powerful steps that help you stop relying on debt once and for all.

💳 Why using credit cards (even if you pay them off every month) keeps you one month behind
🏦 How to be your own bank and stop borrowing from your future
💡 Why “earning points” is not the same as earning interest — and how to actually win with your money
💬 The simple mindset shift that breaks the habit of relying on credit
💰 Practical steps to remove credit cards from your daily spending — and finally use your own money
📘 How our DIY Debt Relief Workbook can help you talk to creditors, negotiate balances, and take control

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Stop the Holiday Burnout: Budget Your Time and Money So You Don't Go Broke or Crazy This Christmas

Sat, 18 Oct 2025 10:39:00 -0400

Festive season is coming in hot—and you don’t need to white-knuckle it. In this bonus chat with time management coach Anna Dearmon Kornick, we talk about setting a holiday vision, building simple guardrails for both time and money, and saying “yes” to what matters (and no to the rest). Plus: details on the Take Back Your Time Challenge: Stress-Free Holiday Edition—and our VIP workshop, Bougie on a Budget: How to Cash-Flow Christmas (No Holiday Hangover).

How to Stop Living Paycheck to Paycheck as Two Spenders (and Still Buy a House) | 474

Fri, 17 Oct 2025 10:04:00 -0400

In this heartfelt episode of Financial Coaching for Women, we’re joined by Kayden — a former coaching client whose story will remind you that it’s never too late to turn financial frustration into freedom.

Kayden and her husband went from constant miscommunication and missed payments to budgeting as a team, buying a home, and cash-flowing their life — even after a massive income cut. Her journey shows that progress isn’t about perfection; it’s about persistence, communication, and trusting the process.

If you’ve ever felt like you “make good money but have nothing to show for it,” this one’s for you.

💡 How Kayden went from “making good money with nothing to show for it” to paying every bill on time
🏠 How she and her husband bought a house while learning to budget together
💬 The mindset shifts that helped her improve communication with her spouse — even when he wasn’t in coaching
💳 How she tackled confusing student loans, renegotiated payoffs, and started cash-flowing expenses
🪣 Why starting small with savings buckets and guilt-free spending changed everything
📉 What to do when your income gets cut in half (and how to rebuild without panic)
🙌 The power of accountability, persistence, and coaching — even when life gets messy

🧭 What You’ll Learn in This Episode

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Lessons from the Sessions: Stop Paying Bills Through PayPal (and Other Budgeting Mistakes You Don’t Know You're Making) | 473

Wed, 15 Oct 2025 10:04:00 -0400

Today we’re bringing you real-life stories and real lessons straight from our private coaching sessions. If our clients are struggling with it, chances are you are too. We’re breaking down the mistakes we see most often, how to fix them, and how to set yourself up for easy, stress-free money wins.

In this episode, we’re talking about two of the biggest budget busters we see:
1️⃣ Overcomplicating your money system with third-party apps like PayPal and Apple Pay.
2️⃣ Losing track of your true numbers — like your real minimum payments — and making your budget harder than it needs to be.

These stories will help you see how small tweaks can completely change how confident and in control you feel with your money.

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How to Budget for Things That Don’t Happen Every Month (Unexpected / Surprise Expenses) | 472

Mon, 13 Oct 2025 10:04:00 -0400

Most people say their budgets get blown by “surprise” expenses — but let’s be real: Christmas isn’t a surprise. New tires? Not a surprise. Your dog’s annual vet visit? Definitely not a surprise. These are expected expenses that just don’t happen every month.

In this episode, we’re tackling how to stop the rollercoaster of “I was fine last month, now I’m swiping the credit card.” The solution? Savings buckets. When you create separate savings accounts for predictable but irregular expenses, you save today to avoid borrowing tomorrow.

Why most “surprise” expenses aren’t really surprises
How savings buckets can bring stability to your monthly budget
The exact steps to set up your own buckets
Real-life stories from clients who’ve transformed their finances using this method

💡 What You’ll Learn

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Get Our Simplified Budget System!

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BONUS: All About Our Budget System

Fri, 10 Oct 2025 21:01:07 -0400

Quick Friday pop-in! If you make good money but have nothing to show for it, we walk through our simple, one-page budget system that actually matches how you live. You’ll learn the 5 money categories, how a separate Bills Account puts payments on autopilot, why separate spending cards end the guilt/fights, and how named savings buckets plus a clear debt plan tell you exactly what to do each payday—no expense logging required. Real client wins, practical steps, and a calmer way to pay bills, kill debt, and still enjoy life. 💸✨

00:00 – Introduction: Why You Need a Budget System for Financial Success

00:23 – Common Budgeting Mistakes: Why Tracking Expenses Isn’t Enough

01:07 – The Overwhelm of Money Management and How to Fix It

01:29 – The Five Simple Budget Categories for Real-Life Spending

02:43 – How Our Editable Budget System Works (and Why It’s Different)

04:11 – Powerful Tools: Savings Tracker, Debt Payoff, and Asset Management

05:38 – Real User Testimonials: Transforming Finances with Our Budget System

07:18 – The Power of Knowing Your Numbers: Net Worth, Debt, and Savings

08:34 – Automating Your Bills and Achieving Financial Organization

10:03 – Final Thoughts: Take Control of Your Money with the Best Budget System

Client Wins We Read On Air

Tammy: “6 months in—buckets growing, bills dropping, husband’s on board.”
Rebecca: “Finally seeing my money clearly. Planned debt payoff + categorized savings = game changer.”
Barbara: “Paid off 7 cards. Use cash for almost everything. No more checking the account before buying gas.”
Lindsay: “Less stress. No guilt. Separate spending accounts = harmony.”
Jess: “Net worth rising is my new favorite hobby.”
Kathleen: “Went from $1,000 over each month to finally breaking the paycheck-to-paycheck cycle.”
Lori: “Autopaid bills from a designated account = zero stress.”
Amanda: “Bird’s-eye month + Paycheck Plan replaced my old tracker. So much clearer.”
Melissa: “It does the math. I actually have more money than I thought.”
Sheena & Becky: “Whole-picture clarity → car paid off, long-term goals funded.”

How to Stop Business Travel from Blowing Up Your Family Budget or Using Credit Cards | 471

Fri, 10 Oct 2025 10:04:00 -0400

Ever feel like your work life and home budget are in a tug-of-war? Same, bestie — and you’re not alone. This week, we sat down with Stephanie, a law professor who’s been making huge moves with her money using our budget system. But like many of us, she hit a snag when it came to business travel.

Stephanie’s story is a masterclass in navigating:

Work reimbursements that take months
Whether credit cards are ever worth it (spoiler: rarely, but sometimes!)
How to separate personal and professional expenses without losing your mind (or your receipts)
Setting up a system that actually works — especially when math isn’t your thing

We cover:
✔️ Pre-funding business trips
✔️ Why a separate bank account is a game-changer
✔️ How to track expenses without burning out
✔️ What to do about credit card perks like car rental insurance or international fees
✔️ And why setting a weekly “receipt party” on your calendar might be your new best friend

Stephanie also shares how budgeting is now a whole family thing — from planning for Christmas (without the chaos) to giving her kids their own savings accounts (and real-time money lessons 💪).

Whether you're a working parent, frequent traveler, or just tired of the budget rollercoaster — this episode is packed with smart, doable strategies to help you stay on track and feel in control.

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Whole Life Insurance: Should I Cancel It and Switch to Term Life? | 470

Wed, 08 Oct 2025 10:04:00 -0400

Today’s episode is ripped straight from real coaching convos with our clients — because if they’re dealing with it, chances are you are too. We’re talking about a common money trap that shows up in more budgets than you’d think: whole life insurance.

Spoiler alert: It’s not a good investment.
Not when you’re paying hundreds a month, not seeing any return, and living outside your means just to keep it going.

We break down:

Why whole life insurance is rarely worth it (especially when your budget is tight)
The difference between whole life and term life insurance
What to do if you’ve already been paying into a whole life policy
How to reorder your financial steps so you can actually build wealth (on your own terms)

We’re all about helping you avoid costly mistakes, feel seen, and walk away with quick wins. So whether you're paying $473/month into a policy that’s draining you or wondering if your “life insurance” line item is doing anything for you — this one's for you.

Remember: we want you to save, invest, and protect your family on purpose — and in the right order. Let’s get that money back in your budget and get you back in control.

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Money Disappears Too Fast After Payday? Try This Simple Spending Budget Plan | 469

Mon, 06 Oct 2025 10:05:00 -0400

Hey budget besties! Today we’re cleaning out that messy “junk drawer” bank account and giving your money actual homes. If everything’s been tangled together—paychecks in, bills out, Target runs, Starbucks, gas, kids’ surprises—no wonder it feels like your money’s disappearing. We’ve got you. 💛

Why one catch-all account = chaos (hi, stress 👋🏽)
The Lisa story (aka how pedicure money turns into cupcakes, milkshakes, gas, and laundry pods)
The simplest way to create freedom to spend without tracking every transaction
How to use digital envelopes with four separate debit accounts:
1. Gas & Groceries
2. Restaurants
3. Personal/Fun Money
4. Kids
How this step pairs with the V-System so bills get paid first, spending lives separately, and guilt goes bye!

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Check Out Ral's Mastermind Program!

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The Art of Delegation: Why Letting Go is the Key to Growth, Freedom, and More Time with Ral West | 468

Fri, 03 Oct 2025 10:03:00 -0400

We’re chatting with our friend Ral West, a powerhouse entrepreneur who’s all about building a business that serves your life, not the other way around. Ral’s got 40+ years of experience, has built and sold a wildly successful company, and now teaches business owners how to get their time, health, and freedom back.

Let’s just say… she’s walking the walk — 52 podcast interviews, a course, a mastermind, and a month-long vacation on the books. 👏🏽

In This Episode, We Cover:

The real cost of letting your business run your life
How to systematize, automate, and delegate (without micromanaging!)
The art of effective delegation — and why most people are doing it wrong
Why your business should support your dream life, not suck it dry
The 6 foundational principles RA teaches to help business owners scale and enjoy life
The connection between financial clarity, boundaries, and building a sustainable business

“If it doesn’t fit into my dream life vision — I don’t do it.” – Ral West 🙌🏾

We also had a total alignment moment around budgeting! Because y’all know we’re big fans of automation, delegation, and systems — whether you’re managing your business or your money. 💸

So if you’re out here trying to do it all yourself (in your business, at home, or with your money), this is your sign to pause, reset, and start building systems that actually support your life.

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The Paycheck Plan That Helps Women Stop Living Paycheck to Paycheck with Coach Michelle | 476

Wed, 01 Oct 2025 10:04:00 -0400

Learn About Office Hours!

Budget besties, we’ve got a very special guest on the pod today… our very own teammate and financial coaching pro, Michelle! 🎉

This episode marks a first—Michelle’s first time on the mic with us, and we’re diving into what’s really happening behind the scenes during our free weekly Office Hours. We’re calling this new series “Lessons from the Sessions,” and trust us, Michelle is bringing the wisdom, encouragement, and big sister energy you didn’t know you needed.

We talk about:

How Michelle went from podcast listener to being a core part of our team ❤️
What led her to financial coaching (hello, emergency fund = credit card era 👋)
Why getting a paycheck ahead is the #1 topic in Office Hours—and how you can get there too
The truth about savings buckets (yes, we love them, but no, you don’t start there!)
Why being detail-obsessed with your spending might actually be slowing you down
And how just showing up—even if you’re not ready to talk—can move you forward

Michelle also gives us a peek into the kinds of questions people bring each week, and why Office Hours have become a lifeline for so many women trying to make their money feel steady and stress-free.

📅 Office Hours happen every Wednesday at 12pm CT and are 100% free to everyone in our community—no system or coaching purchase required. If you’ve got questions, feel stuck, or just want to listen in and learn, Michelle’s your girl.

We’re SO excited to bring her back on the pod monthly to share more real-life insights from these powerful sessions. Get ready to feel encouraged, empowered, and way less alone in your money journey.

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The Budget Besties Method: Step 3 Set Up Your Bills Account—When your bills have their own account, they always get paid | 466

Mon, 29 Sep 2025 10:04:00 -0400

Check out our Stress Free Bills Mini Class!

Ever find yourself nervously swiping your debit card, praying your bills are already covered? You're not alone—and it's not your fault. In this episode, we’re diving into Step 3 of the Budget Besties Method: setting up a dedicated Bills account. 🙌🏽

When your bills have their own space to breathe (aka their own bank account), you're no longer guessing, stressing, or backtracking. We’re talking clarity, control, and total peace of mind, besties.

Shana and Vanessa share real-life stories from clients whose lives were changed just by making this one move—including being able to travel without worrying if the lights would be on when they got back. Yes, it’s that real.

We’re showing you:

Why running everything through one account is sabotaging your budget
What counts as a “bill” (spoiler: it’s not groceries)
How separating your bills removes the guesswork
Why this is the first step toward getting a paycheck ahead

✨ Get ready to take a breath, let your budget work for you, and stop letting your money keep you up at night. This one’s a game changer.

Mentioned in this episode:

Want to go deeper? Head to budgetbesties.com/bills to grab the video series and learn how to build your buffer, automate your bills (yes—even if you're scared), and stop living paycheck to paycheck for good.

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Make Your October 2025 Budget with Us: A Step-by-Step Monthly Plan For Your Money | 465

Fri, 26 Sep 2025 13:08:21 -0400

Watch this episode here!

Budget besties... it’s time. 🎃
We’re sipping pumpkin spice, skeletons are popping up in the neighborhood, and Hobby Lobby has Christmas aisles in full swing—which can only mean one thing: it's time to plan your October budget!

In this episode, Shana and Vanessa walk you through the exact steps they use with their coaching clients to get ready for the new month, including:

✨ How to separate your spending accounts so you can swipe with confidence
✨ What “month-specific” spending really means (hello Halloween candy, costumes, dad’s birthday, and skate camp 👀)
✨ The power of savings buckets—yes, even for Homecoming dresses and horse expenses
✨ Why automating your transfers is the key to budget peace (and no more tracking every dollar)
✨ What it looks like to have money left over after budgeting—yes, it’s possible!

Whether you're just getting started or you're deep in your debt payoff journey, we’ve got the real-life examples and step-by-step process to help you stop guessing and start planning with clarity.

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Real Financial Coaching Lessons: Stewarding Scholarships, Simplifying Business Tools & Sticking to Your Budget | 464

Wed, 24 Sep 2025 10:04:00 -0400

Today’s episode is packed with real life, real clients, and real money lessons from our coaching sessions — and trust us, if they’re going through it, you probably are too. From college kids nearly losing scholarships to business owners buried in tools they don’t need, we’re breaking it all down.

This is the episode where you get to learn through someone else’s mistakes (hallelujah), feel less alone, and walk away with quick wins you can apply to your own budget — right now.

✨ Today’s Lessons From the Coaching Couch💸 1. Be a Good Steward of Your Money

One of our sweet clients had to have a Come to Jesus moment with her son after he almost lost his scholarship. Her message?

“If someone gives you money — you have a responsibility to use it well.”

Whether it’s a scholarship, a paycheck, or a random blessing — the same is true for all of us. Your job, your income, your opportunities are a gift. And budgeting is how you honor it. Period.

➡️ When you know what’s coming in and where it’s going, you can be intentional and wise — and avoid losing what you worked so hard to get.

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Overwhelmed by Budgeting? Tired of Tracking Every Expense? Try Our Simple, 5-Column, One-Page Budget | 463

Mon, 22 Sep 2025 10:04:00 -0400

If you've ever felt overwhelmed, annoyed, or just plain lost trying to budget — you are NOT alone. We’ve seen it all: the scribbled notebook budgets, 111-line spreadsheets with scary color-coding, and "budgets" that are really just transaction trackers in disguise. No wonder budgeting feels like a chore (or a punishment) for so many of us.

But good news — it doesn’t have to be that way. 🙌

In this episode, we’re diving into:

💥 The 5 Reasons Most Budgets Fail:

They're way too complicated
They focus on the past, not the plan
They're built paycheck-to-paycheck instead of month-by-month
They don’t give you real clarity
And honestly? They’re just ugly (sorry, neon Google Sheets)

We show you real-life examples (thanks, clients — we love you) of bad budgets and break down exactly why they didn’t work — even though our clients were genuinely trying.

🎉 Then we flip the script and show you…

This is the same system we use with every single client, whether they’re just getting started or juggling six-figure incomes. It’s clear, one-page, and dare we say… pretty?

Here’s what it includes:

Income — Your favorite number! We start here so we know what we're working with.
Debt — The not-so-fun column, but necessary for getting that snowball rolling.
Bills — Anything with a due date goes here. Think rent, subscriptions, utilities.
Spending — All the day-to-day stuff: groceries, gas, Starbucks, kids’ activities, etc.
Savings — The game-changer. This is how you break the debt cycle and plan ahead.

🌟 This budget isn’t just numbers on a page — it’s a system. It tells you what to do, how much you have left, and makes sure every dollar has a job.

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Combining Finances After 14 Years: The Budget System That Changed Everything | 462

Fri, 19 Sep 2025 10:04:00 -0400

Today’s episode is one of those stop what you’re doing and listen moments. 🛑💸

We're sitting down with our real-life friends—and now clients—Aaron and Sarah, who pulled back the curtain on how they went from financial frustration and separate bank accounts… to saving more than ever, paying off debt, and dreaming big (like, Montana ranch big).

If you’ve ever:

Felt guilty about spending money on things just for you
Kept finances separate in your marriage (and it’s not working)
Struggled to talk about money without spiraling into an argument
Wondered where the heck your money is going even with good income

…this episode is for you, budget bestie. 🧡

We’re walking through their journey step-by-step, from the moment they realized retirement felt impossible to building a budget system that gave them peace, clarity, and permission to spend (yes, even on horses and hunting trips 🐴🦌).

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How to Budget for Irregular Income and What to Do When You Can’t Pay Your Bills | 461

Wed, 17 Sep 2025 10:04:00 -0400

Today, we’re bringing you behind the scenes of our private coaching sessions—because if our clients are facing these struggles, chances are you are too. 💯

From booming photography side hustles to once-a-month paycheck chaos, we’re unpacking the real-life budgeting problems that hit hard—and how to solve them on purpose.

In this episode, we dive into:

📷 What to do when your side hustle brings in big money—but not every month
🗓️ How to manage irregular income like a pro (especially when you get paid once a month)
🧾 Why calling your credit card companies can buy you breathing room
💸 Building a paycheck buffer so your bills don’t rule your life
💥 The hard convos that actually set you free financially

These are the exact money moves we make with clients every day—and you’ll walk away with some powerful mindset shifts and practical next steps to apply to your own budget.

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Budgeting Feels Boring? Dream Again and Build a Budget You’ll Stick To | 460

Mon, 15 Sep 2025 10:04:00 -0400

Check out our Dream Again Worksheet

Budget besties, this one’s the heart of the whole system. If your future feels boring, budgeting will always feel like busywork. Step 1 of our method is Dream Again—building a vision that actually excites you so you want to budget, stick with it, and change habits with purpose.

We share a powerful early-client story (hi tears 🥲) where “What are your goals?” stopped them in their tracks—and how getting crystal clear on a shared vision made everything else click. Then we show you how to map goals across Now, 1 Year, 5 Years, and your “X-Year” horizon (not age 65—your milestone). When you know where you’re going, the rest of the method stops feeling restrictive and starts feeling…fun.

What You’ll Learn

Why most people quit budgeting (spoiler: no exciting future to aim at)
How a clear “why” makes budgeting simple—and even enjoyable
The 4-part vision map: Now, 1 Year, 5 Years, X-Years
How life stages (kids’ ages, career transitions, moves) shape your targets
Partnering up: how to dream together so you’re rowing in the same direction

Check out Luke & Tina's Episode #79

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How Do You Budget When Your Paychecks Are All Over the Place? | 459

Fri, 12 Sep 2025 10:04:00 -0400

Budget besties, today we sat down with Addie—teacher, mom, and three months credit-card free (!!)—to untangle a super common headache: paychecks that land on odd dates and the “why does this still feel tight?” spiral. We walked through how to use a paycheck-ahead system when income hits on the 6th/21st (hers) and 11th/26th (his), how to fund spending on a predictable rhythm, and how to stop robbing Peter to pay Paul when kid expenses pop up (hello, cross-country, art club, school pics). We also dug into savings buckets done right, quick-transfer options for high-yield savings, and gentle ways to build a buffer so everything runs automagically.

This is a calm, practical reset if your dates are weird, your brain’s tired, and you want your budget to finally feel… easy.

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The B Word Isn’t a Bad Word: Why Budgeting Is the Key to Freedom, Not Restriction | Reair: Bold Faith, Bold Business with Judy Weber | 458 (Reair)

Wed, 10 Sep 2025 10:01:00 -0400

Hey budget besties!

We’re replaying one of our favorite conversations with our girl Judy Weber from the Bold Business. Bold Faith podcast—and y’all, it’s a GOOD one. This episode is a must-listen if you’ve ever said:

“I make good money, but I have nothing to show for it.”
“I’m tired of living paycheck to paycheck.”
“I have big dreams, but I’m drowning in business and personal expenses.”

We got you. 💛

Why traditional budgeting (tracking every penny, ugh) is outdated—and what we do instead
How your budget can give you freedom (not restrict you!)
Separating business + personal money the simple way
How many bank accounts you actually need (spoiler: more than one)
Automating your budget so your bills pay themselves
Planning for irregular income like a pro
Our fave: Using your bank like a personal assistant
Why growing at the speed of cash matters
How we went from $40 profitable (LOL, but also proud) to running a multi six-figure biz using this exact system

This is real talk from two besties who’ve been in the financial trenches—and came out the other side with a system that WORKS.

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A Step-by-Step, Automatic Budget System That Allows You To Be Bougie On A Budget: The Budget Besties® Method | 457

Mon, 08 Sep 2025 10:04:00 -0400

Budget Besties, it’s finally happening! We’re kicking off a brand new series where we take you step-by-step through The Budget Besties Method—our signature system that helps you go from “Where do I even start?” to “Ohhhh, I got this!”

This week, we're giving you the big picture—all 8 steps—so you know exactly what’s coming over the next several Mondays. Whether you're brand new to budgeting or you've bought our system and are wondering “What do I do next?”... this is for you.

This method is everything we teach our clients during coaching, and it's what we wish we had when we were starting out. It’s not about restriction—it’s about clarity, confidence, and building a financial system that runs on autopilot.

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Lori Paid Off 6 Debts in 1 Month Using a Simple Budget System | 456

Fri, 05 Sep 2025 10:04:00 -0400

Budget Besties, you are not ready for the glow-up Lori pulled off in just ONE month. ✨

In this episode, we chat with Lori — a busy wife, mom, and total rockstar — who used to spend every Friday night buried in a notebook trying to figure out how to pay bills. Sound familiar? 😅

Then she found our podcast (her first ever!) and decided it was time for a better way.

Now? She’s:

Set up multiple accounts: bills, spending, gas & groceries, vacation, buffer, and more
Embracing autopay (even though it used to terrify her)
Tracking her bills like a pro — without touching a calculator
Paying off six debts in month one (!!), freeing up $330/month
Starting savings buckets and making space for fun (hello, vacation fund)
Teaching her 17-year-old son how to do it differently — and better

💬 “I used to do a huge math problem every week. Now I open my tracker, check off what cleared, and move on with my life.”

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Overdrafts and Money Fights: The Simple Budget Fix (Bills vs. Spending) | 455

Wed, 03 Sep 2025 10:04:00 -0400

This week, we're bringing you all the warm fuzzies and practical wins – especially for the husbands out there! From Xbox subscriptions to DIY car repairs, we’re talking about how couples can honor each other while staying on budget (and keeping the peace ✌️).

We dive into:

💸 The Power of Separate Spending Accounts

One of our sweet coaching clients found total clarity when she and her husband created individual spending accounts. Now, he can snag all the Fortnite skins his heart desires – without messing up the grocery budget. Win-win!

📺 Bills vs. Spending: Let's Clear It Up

Not sure what goes where? We’re breaking down our favorite way to define expenses:

Bills = anything with a due date
Spending = everything else
Yup, even that Netflix binge or gaming splurge can be totally budget-friendly when it’s in the right place.

🛠️ The $30K Question: New Car or New Transmission?

Another couple came in clutch with some smart decision-making. Instead of jumping into a $30,000 car loan, they fixed their current ride themselves (shoutout to handy husbands!). And because they’d already been saving for car maintenance? The money was already there. 💥

Plus, we chat about:

🚗 Leasing cars – is it really worth it?

🧠 Mindset shifts around spending

🧘‍♀️ Giving yourself time and space to breathe before making big decisions

So whether you’re team “Fix-It-Yourself” or “Let’s Just Buy a New One,” there’s something here for all of us trying to live our best financial lives – together.

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The Glam Up Budget: How to Plan for Hair, Nails, Facials & More All Year Long | 454

Mon, 01 Sep 2025 10:04:00 -0400

How nice would it be to walk into your hair appointment, facial, or nail salon already knowing the money is sitting in your account, ready to go—tip included? Yes, please.

In this episode, we’re talking all things glam-up budgeting—from facials and eyebrows to lashes, massages, and all the self-care that helps you feel like you. 💅🏽

Shana and Vanessa are showing you exactly how to build out your glam-up fund the smart way—using our strategic (and super simple) system. You'll learn how to:

Track how often you get each service (nails, hair, lashes—you name it)
Calculate your annual glam-up costs
Divide it up monthly so you never get caught off guard
Set up an auto-transfer to a separate savings account (that you don’t “accidentally” use for Target runs)
Swipe with confidence knowing your glow-up fund is ready

This is all about building freedom into your budget—not restriction. When your glam-up is already paid for, there’s zero guilt and zero stress, just vibes and fresh brows.

Because feeling good is part of financial wellness too. And yes—you deserve it.

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A Simpler Way to Budget: Stop Using Credit Cards and Set Up Accounts for Bills, Groceries, Travel, and Costco Runs | 453

Fri, 29 Aug 2025 10:04:00 -0400

Hey Budget Besties!

Today we’re bringing you behind the scenes of a real coaching call with our friend Rebecca. She’s already crushing it — no car payment, no mortgage, and just a small amount of credit card debt left. But like so many of us, she keeps reaching for her card at places like Costco or on PayPal “specials,” even though she wants to pay cash.

Together we unpack why this happens and how she can make her budget work with her instead of against her. If you’ve ever wondered how to balance paying off debt while also funding your savings buckets, this convo is going to hit home.

In this episode, we walk Rebecca through:

How a 90-day spending audit helped her finally get gas money under control
Why Costco can sabotage even the best budgets (and how to make it work on purpose)
The trick to managing monthly income so you’re not stretched thin at the end of the month
How to fund savings buckets without sacrificing debt payoff
The power of rolling out automation in baby steps — one category at a time
Why sometimes the solution is as simple as breaking up with your credit card (at least for now!)

Rebecca left this call with a clear plan to stop using credit cards, pay off her small balance once and for all, and lean on the systems she’s already built — her bills account, her gas vault, and her savings buckets. She’s literally this close to being totally credit-card free.

✨ Bestie Takeaways:

A 90-day audit shows you the truth about your spending.
Separate accounts keep you honest and stop you from overspending.
You can’t fund every bucket and pay off debt at the same time — pick what matters most right now.
Automation works best when you roll it out little by little.
Debt freedom isn’t about luck — it’s about the systems you create.

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The Anti-Budget System We Wish Everyone Knew (Money Talk Replay with Skyler Fleming)

Wed, 27 Aug 2025 10:04:00 -0400

Check Out Skyler's Money Talk Podcast

Hey Budget Besties!

We’re dusting off one of our favorite convos and bringing it back for you. This replay with our friend Skyler from the Money Talk Podcast is all about the “B word” (nope, not that one — budgets!) and how automation can turn your money from stressful to effortless.

We dive deep into what financial automation actually is, why you don’t need a zillion apps to make it work, and how to set up a simple bank account system that feels like your personal assistant. From creating separate “spending,” “bills,” and “savings” accounts, to building a month-ahead buffer, to getting those savings buckets growing without lifting a finger — we cover all the steps to put your money on autopilot.

You’ll hear:

Why direct deposit should flow into your Bills Account first (and not your debit card!)
How to make automation feel safe when you’re not used to trusting your bank account
The power of multiple accounts for groceries, gas, fun money, and personal spending
Why having a month’s income in reserve is like unlocking Level One of financial independence
The surprising marriage-saving benefits of separate personal spending accounts
How naming your savings buckets (hello, “Hawaii Trip”!) can keep you from dipping into them

We even tackle the great credit card debate — why we’re not fans of using them for everyday spending, and how to transition away from relying on them without feeling deprived.

By the end, you’ll see why we believe automation is the secret weapon for gaining confidence, clarity, and control over your money — without living in your spreadsheet.

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Build Your September Budget With Us: Step By Step Monthly Budget Walkthrough | 451

Mon, 25 Aug 2025 10:04:00 -0400

Watch This Episode & See The Budget System In Action!

Hey Budget Besties!

You’ll hear:

Why direct deposit should flow into your Bills Account first (and not your debit card!)
How to make automation feel safe when you’re not used to trusting your bank account
The power of multiple accounts for groceries, gas, fun money, and personal spending
Why having a month’s income in reserve is like unlocking Level One of financial independence
The surprising marriage-saving benefits of separate personal spending accounts
How naming your savings buckets (hello, “Hawaii Trip”!) can keep you from dipping into them

We even tackle the great credit card debate — why we’re not fans of using them for everyday spending, and how to transition away from relying on them without feeling deprived.

By the end, you’ll see why we believe automation is the secret weapon for gaining confidence, clarity, and control over your money — without living in your spreadsheet.

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This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase!

“Budgets Don’t Work” — What Changed Their Financial Mindset After 35 Years of Marriage | 450

Fri, 22 Aug 2025 10:04:00 -0400

Budget besties, today’s episode is such a gem. We’re sitting down with our clients (and friends) Eric and Carol — a couple who came into coaching feeling unsure, a little overwhelmed, and definitely not sold on the whole budgeting thing.

Fast forward to now? They’ve got multiple accounts working for them, a business budget that finally makes sense, and they’re making mindful money moves without the stress. 👏

We talk about what it was like navigating finances as empty nesters, the reality of running a business while trying to keep personal money straight, and what happens when you actually see how much life costs. (Spoiler: it’s eye-opening in the best way.)

Also, Carol has some wise words about learning how to say, “It’s not in the budget this week,” without guilt — and we are 100% here for that kind of power.

In this episode:

Why tracking everything wasn’t working — and what finally did
How Eric went from budget-skeptic to spreadsheet king 💻
Letting go of shame around money and stepping into control
What it looks like to separate business and personal money (for real this time)
Setting up multiple bank accounts without losing your mind — or your debit card
The “tough love” moment that changed everything
Teaching their grown kids about money (even the spicy one)
How budgeting helped them stop relying on debt and start trusting their bank account

This is one of those conversations that reminds us it’s never too late to shift your money mindset. Budgeting isn’t about being perfect — it’s about being present, proactive, and peaceful when it comes to your money.

Whether you’re a business owner, a parent, or someone who’s always felt like the numbers just don’t add up — this one’s for you. ❤️

— Shana & Vanessa

🛠️ Mentioned in this episode:

🎲 Cashflow Board GameThe game Eric and Carol’s son bought that teaches the concept of financial independence in a super hands-on, realistic way. It’s like Monopoly — but make it real life.👉 Link to Cashflow on Amazon

🎥 Eric’s Video Production BusinessEric runs a video production company and works with clients to create beautiful, impactful content. If you're looking for a pro with decades of experience behind the camera, check him out!👉 Link to Eric’s business website

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When Paying Off Debt Isn’t the Right Move (Yes, Really!) | 449

Wed, 20 Aug 2025 10:04:00 -0400

Budget besties — let’s talk about a sneaky cycle that keeps so many of us stressed: making quick money decisions that feel productive (like paying off a card) but actually keep us stuck.

In this episode, we unpack two real client stories:

A teacher who used her savings for summer expenses to pay off a small debt… only to be broke in August (and back in debt)
A client who saw cash in her account and immediately threw it at a credit card… leaving herself short for a wedding and pulling from her 401k

Sound familiar? You’re not alone. We get real about:

Why quick fixes and “wins” often sabotage long-term stability
How to break the stress cycle of reactionary money decisions
Why using credit cards is more about avoiding money management than “playing the points game”
The freedom of becoming your own bank (hint: no more hoping a payment goes through!)
How a system — not emotions — is the key to lasting progress

If you’ve ever felt stuck in a loop of paying off debt only to rack it back up, this conversation will help you see why — and give you a better way forward.

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Why Your Budget Keeps Failing—and the Simple System That Helps You Save for Auto Insurance, Property Taxes, Big Bills and Unexpected Expenses | 448

Mon, 18 Aug 2025 10:04:00 -0400

Budget besties — you know that feeling when a big bill pops up out of nowhere and completely wrecks your monthly budget? We’ve been there too, and we’re here to tell you: it doesn’t have to be that way.

In this episode, we’re breaking down:

What counts as an “annual bill” (and why they always feel like a surprise)
How to list and track every big bill you pay only once or twice a year (auto insurance, property taxes, memberships, car registration, etc.)
Why separating these expenses into their own account changes everything
How to use our Annual Bills Savings Bucket system to divide the cost into manageable monthly savings
What to do if you’re just getting started and don’t have a full year saved yet

Whether it’s your auto insurance, Amazon Prime, or that massive property tax bill, this system takes the chaos out of budgeting for them — and helps you breathe easier knowing the money will be there when you need it.

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Can You Really Budget on an Inconsistent Paycheck? Yes—and Here’s How (Budgeting With Irregular Income, Money Management for Hairstylists, Small Business Finances) | 447

Fri, 15 Aug 2025 10:04:00 -0400

Hey budget besties — meet Michelle! Her husband is a police officer with a steady paycheck, while she’s a hairstylist juggling inconsistent income, business expenses, and taxes (oh, and still trying to make her personal budget work). Sound familiar?

In this coaching session, we dive deep into:

How to budget when your business income changes every week
Why separating business income, expenses, and supplies into different accounts creates financial calm
The key difference between bills and spending (hint: it will change how you set up your accounts!)
Building a system for saving for taxes, supplies, and business costs — without the last-minute scramble
How to “pay yourself” a consistent paycheck, even when your income isn’t consistent
Ways to see the big picture of your family’s finances (without overspending when you see extra in the account!)

Michelle walked away with a clear roadmap: create an income account, separate business and personal money, and finally automate those transfers so her finances feel as steady as her husband’s paycheck.

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She Swore She Couldn’t Run Her Business Without a Credit Card—Now She Has $143K in the Bank | 446

Wed, 13 Aug 2025 10:04:00 -0400

Budget besties — today’s conversation is for anyone who feels stuck in the “charge now, figure it out later” cycle. We’re sharing a real coaching story about one of our clients who used credit cards for everything in her business and personal life, floating expenses while waiting for cash to come in. Sound familiar?

In this episode, we unpack:

Why using credit cards feels easier — and why it’s actually keeping you stuck
How switching to cash flow completely transformed her business (spoiler: $143K in her account!)
Why the “harder way” (paying cash in the moment) leads to better decision-making and growth
How to stop giving your future self problems to solve — and instead create financial peace now
What to do if your bank is making budgeting harder than it should be (hint: it’s time to break up!)

We also get real about outgrowing your current bank, why loyalty doesn’t always serve you, and how to find a financial institution that supports your budgeting goals (yes, multiple accounts and debit cards are non-negotiable!).

Takeaway:

It might feel uncomfortable at first, but cash flowing your life and business puts you back in control — and your future self will thank you for it.

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Bank “Savings Buckets” vs. Real Savings Buckets: Why Separate Accounts Win Every Time | 445

Mon, 11 Aug 2025 10:04:00 -0400

Okay, budget besties — let’s clear up some confusion that’s been driving us all a little nuts. 😅

You’ve heard about “savings buckets” — but here’s the thing: what banks are calling buckets is not what we mean when we talk about savings buckets. So today, we’re setting the record straight.

In this episode, we break down:

The difference between bank “buckets” (a.k.a. subaccounts) and our savings bucket system
Why using one big savings account with buckets can actually make budgeting harder
How separate accounts for each savings goal can simplify your life (and your brain!)
How to automate it all so you don’t mess it up (because life is busy enough)

Spoiler: We’re team separate accounts all the way — because when you can clearly see how much you have for travel, Christmas, or car maintenance at a glance, you’re not stuck doing mental math or juggling categories in your bank app.

Our whole system is about keeping your money simple, automatic, and totally clear. And trust us — once you try it this way, you’ll never go back.

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Why Paying Off Your Credit Card Each Month Still Keeps You Behind + How to Budget Weekly Paychecks Without Losing Your Mind (or Your Money) | 444

Fri, 08 Aug 2025 10:04:00 -0400

Hey budget besties — today we’re diving into a topic so many of us struggle with: making the leap from credit card reliance to a simple, stress-free budget system. Meet Sam, who (like a lot of us) thought using a credit card for everything was the safest and smartest choice — until she realized it was keeping her family from saving and causing total budget chaos.

In this coaching session, we walk Sam through:

Why relying on a credit card keeps you a month behind (and how to break that cycle!)
How to build a budget that actually works when your partner is on the road for work
Setting up separate accounts (groceries, spending, restaurants… yes, even travel volleyball!) so every dollar has a job
The truth about debit card protections vs. credit cards (hint: you’re safer than you think!)
What to expect in your first month of making the switch — and why it’s worth pushing through the messy middle

If you’ve been wondering how to get off the credit card hamster wheel, start saving consistently, and feel in control of your money (without micromanaging every purchase), this episode will feel like a deep breath of fresh air.

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The #1 Budgeting Mistake Smart Moms Make—and How to Fix It (Without Giving Up Pumpkin Spice Lattes) | 443

Wed, 06 Aug 2025 10:04:00 -0400

Hey, Budget Besties! 💕 We’re bringing back one of our favorite conversations — a real, honest chat with our friend Dyana from The Busy Working Mom’s Blueprint podcast. If you’ve ever thought, “I make good money, but where is it all going?!” or you feel stuck in the paycheck-to-paycheck cycle (and NO, you don’t want to live on beans and rice 🙅‍♀️), this episode is for you.

We’re breaking down:

Why budgeting feels so dang hard (hint: you were never taught how!)
The 5 simple categories your budget really needs
How to separate and simplify your money with multiple bank accounts (this will change your life!)
How to put your budget on autopilot so your bills, savings, and spending basically run themselves
Why budgeting doesn’t mean cutting out lattes or the fun stuff — it’s about giving yourself permission to spend

This isn’t about tracking every penny or shaming yourself for what you “should” be doing. It’s about creating a system that actually works for your busy life — and lets you be bougie on a budget.

So grab your coffee (pumpkin spice if you want!) and let’s make your money simple, stress-free, and finally under control.

Connect With Dyana Here: busyworkingmomscoach.com

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How to Recover From Summer Spending and Reset Your Budget | 442

Mon, 04 Aug 2025 10:04:00 -0400

Hey budget besties — let’s be real: summer is amazing… but also totally chaotic for our routines and our wallets. 🙃 Between extra snacks, camps, trips, pool days, and late mornings (we see you, teenagers sleeping in ‘til 10), your budget may be feeling a little wrecked. We get it.

In this episode, we’re walking you through how to hit the reset button on your finances without guilt, shame, or crazy restrictions. You don’t have to go back and “fix” the summer — we’re starting fresh from right now.

Here’s what we’re chatting about:

Why we don’t go back and obsess over summer spending (and why that’s freeing!)
How to set up your August budget using what’s in your accounts today
Recreating your “normal” pre-summer spending habits to bring back financial stability
Adding a Summer Savings Bucket (because next year’s fun shouldn’t catch you off guard)
Why overcorrecting with an ultra-restrictive budget never works — and what to do instead

This is your permission slip to take a breath, stop dwelling on what’s already happened, and start building a budget that works for where you are right now.

You’ve got this. And if you need a little help staying organized, don’t forget we’ve built tools like our Simplified Budget System to make the reset process even easier — perfect for planning ahead for next summer’s fun without the financial stress.

Let’s reset together, besties. 💛

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How Christian CEOs Scale with a 4-Day Workweek (Without Losing Their Peace) | 441

Fri, 01 Aug 2025 10:04:00 -0400

Budget besties, meet Judy Weber — a seven-figure Christian CEO who’s mastered scaling her business without sacrificing her faith, family, or sanity. 🙌

In this episode, Judy takes us behind the scenes of her four-day workweek (yes, it’s possible!) and breaks down the mindset, boundaries, and business systems that helped her grow to seven figures while keeping Christ at the center of it all.

We talk about:

Why Judy refuses to work more than four days a week — and how she makes it work
The See-Want-Need framework (and why the “know-like-trust” factor is outdated!)
How to stand confidently in your God-given authority as a business owner
Why playing small is a sin (yep, we said it)
Breaking free from limiting money mindsets as Christian women in business
The systems and strategies she uses to consistently sign high-quality clients

If you’ve been trying to grow your business without burning out, or if you’re ready to finally embrace your authority as a Christian CEO, this conversation will be a game-changer.

Connect with Judy:

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Build Your August Budget with Us: Step-by-Step Guide to a Fresh Start | 440

Wed, 30 Jul 2025 10:04:00 -0400

Watch Along Here!

Budget besties, August is here, and it’s time for a fresh start. Whether summer spending threw you off or you’re ready to get ahead before the back-to-school rush, we’re walking you step-by-step through building your August budget — no shame, no stress, just clarity.

In this episode, we cover:

How to close out July’s budget (and why this step matters!)
Setting up your income the right way (especially if you’re working toward a paycheck-ahead system)
Planning for August-specific expenses like back-to-school shopping, sports fees, last-minute summer trips, and more
How to handle debt payments while still saving (yes, you can do both!)
Using savings buckets to take the surprise out of spending
Goal-setting for August — so you know exactly what you’re working toward this month

Grab your coffee, open up your budget template, and let’s build your August budget together. You’ve got this, and we’re here to walk you through it.

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Why Paying Off 0% Interest Loans Still Matters: The Hidden Cost of “Free” Debt | 439

Mon, 28 Jul 2025 13:36:43 -0400

Budget besties, let’s talk about that “smart” 0% interest loan you’ve been holding onto. We hear it all the time: “Why pay it off? It’s not costing me anything!” But here’s the truth — just because you’re not paying interest doesn’t mean that loan isn’t costing you big in other ways.

In this episode, we break down why paying off zero-interest loans can actually create more freedom in your budget and your life. We cover:

The hidden cost of zero-interest loans (hint: it’s about more than interest)
How paying them off gives you money back in your monthly budget
Why fewer loans = a simpler, less stressful financial life
How opportunity cost can keep you stuck (when you could be building savings instead!)
A mindset shift that will help you stop “always having a car payment”
A just-for-fun (but eye-opening!) exercise: what your budget would look like if you lost your job tomorrow

If you’ve been ignoring that 0% loan because it feels harmless, this conversation will give you a whole new perspective — and maybe even the motivation to finally pay it off.

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How to Set Up a Bills Account, Get a Paycheck Ahead, and Budget as a Couple | 438

Fri, 25 Jul 2025 10:04:01 -0400

Budget besties, meet Jen! She’s juggling bills, kids’ activities, and those sneaky “surprise” expenses that always pop up. Sound familiar? In this coaching session, we walk Jen through one of the hardest (but most powerful!) first steps in budgeting: setting up a dedicated Bills Account and shifting from paycheck-to-paycheck panic to a system that actually works.

We talk about:

Why starting with one simple change (direct deposits going into a Bills Account) can create instant peace of mind
How to figure out what you really cost each month by writing it all down in one place
The difference between snowball vs. avalanche debt payoff — and when to use each
How to start saving for those “pop-up” expenses so they don’t keep derailing your plan
Tips for talking with a partner about money without it turning into a stress-fest

Jen came in feeling like she was just “winging it,” but left with a clear plan for getting one step ahead. If you’ve been living paycheck to paycheck and dreaming of finally feeling on top of your money, this episode is for you.

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High Income, Still in Debt: Why Financial Planning Matters More Than Ever | 437

Wed, 23 Jul 2025 10:06:00 -0400

Budget Besties, let’s talk about that frustrating feeling of, “We’re making good money… so why does it still feel like we can’t get ahead?”

You’re not imagining it—life is expensive. But there’s also something else going on: you might be underestimating what real life actually costs. (Spoiler: five kids aren’t eating on $100/month at Chick-fil-A. Sorry bestie, it’s just not happening.)

In this episode, we get into:

Why even high-income earners still live paycheck-to-paycheck (and it’s NOT because they’re “bad with money”)
The danger of “hopeful budgeting” vs. real-life budgeting
Why minimum payments on debt might be your secret weapon (for now)
How labeling savings buckets (hello, “Melanie’s Wedding Fund”) keeps your money safe from impulse spending
Why a plan—not just good intentions—is the real game-changer

We’re diving deep into the myths about what “should” work with budgeting and showing you how to build a plan that actually does. Whether you’re making $40k or $400k, the rules are the same: real numbers, realistic expectations, and a system that takes the chaos out of your money.

Because bestie, you’re not bad with money. You just need a plan that works for your life.

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Why You Blow Up Your Budget Right When It Starts to Work—And How to Fix It in 10 Minutes | 436

Mon, 21 Jul 2025 10:07:00 -0400

Budget Besties, gather 'round—this one’s for every one of us who’s ever blown the budget and thought, “Welp, that’s it. I ruined everything.”

Spoiler alert: You didn’t.

In this episode, Shana and Vanessa get real about what budget self-sabotage looks like (hello “oops, I used the bill money on a Target run”) and why it happens more often than we’d all like to admit. Whether it’s the chaos we’re used to or that sneaky feeling that “it’s too easy, something must be wrong,” we’re here to say you are not alone—and it is 100% fixable.

✨ What We’re Talking About:

What self-sabotage with money actually looks like (yes, we have examples!)
The psychology behind it—why we mess things up just when it starts working
How to practically fix a blown budget in 10 minutes or less
What to do when shame kicks in (and why it’s a total time-waster)
How coaching clients bounce back stronger—and so can you

We’re not here for guilt or shame. We’re here for clarity, growth, and showing you how easy it can be to get back on track. Whether you accidentally used your bills debit card, overspent on a trip, or blew through a surprise paycheck—take a deep breath. This isn’t a failure. It’s a budget detour.

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From Financial Shame to Freedom: How Eliana Paid Off $100K and Took Back Control of Her Money | 435

Fri, 18 Jul 2025 10:04:00 -0400

Meet Eliana — wife, mom, and total powerhouse — who joined coaching just 9 months ago feeling overwhelmed, disorganized, and ashamed that she “should have this all figured out by now.”

Fast-forward 9 months, and here’s what she’s done:

✅ Paid off 14 debts (out of 19 total!)

✅ Cleared nearly $100,000 in debt

✅ Went from “hiding money in random accounts” to organized savings + spending buckets

✅ Had regular girls days, vacations, and bougie family moments — with cash

✅ Set up 13 separate accounts and finally automated her finances

✅ Involved her kids and husband without conflict, guilt, or stress

✅ Swapped shame for confidence + clarity

🎙 What You’ll Hear in This Episode:

The real reason Eliana was using credit cards (even though she didn’t need to)
Why spreadsheets weren’t working and how the system changed everything
Her before-and-after mindset shift around budgeting (hint: it's not restrictive)
How she and her husband work as a team — even though she’s the one on coaching calls
The power of automating her transfers… even if it took 9 months 😉
How she taught her daughter about boundaries (and budgeting for bougie)
Why she calls this “liberating” — not limiting

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From $3K in Debt Payments to $2.4K in Savings: How One Single Woman Took Back Her Finances | 434

Wed, 16 Jul 2025 14:40:40 -0400

One of our single clients came to us with over $263,000 in debt.

💳 $3,000/month in minimum payments

💔 No savings

😩 Business and personal finances completely mixed

👉 But she was ready for change.

In just 7 months, here’s what she accomplished with our coaching and system:

🔥 Her Before:

💸 $263,000 in total debt
💳 $69,000 in non-mortgage debt
🧾 10 different loans (credit cards, RV, HELOC, debt consolidation, etc.)
💰 $3,000/mo in minimum debt payments
💼 Personal + business finances mixed
🚫 No emergency fund, no savings system
📉 Living paycheck to paycheck — despite a $7,500/month income

✅ Her After:

💥 $263K debt reduced
🧨 Minimum payments dropped from $3,000 ➡️ $1,200/month
💵 Saving $2,400/month for sinking funds
💡 Business + personal finances completely separated
🐶 Has dedicated savings for pets, travel, Christmas, home maintenance
🏡 Downsized to a condo, paid for all renovations in cash
📈 Net worth: $684,000
✨ Living on purpose, with peace and margin — not just reacting to her bank balance

💡 What She Did (Step by Step):

✅ Joined coaching for 7 months
🧠 Borrowed our belief until she had her own
🏦 Opened 13 accounts (bills, spending, savings, business, etc.)
🔁 Set up automatic transfers based on paycheck
📞 Called every creditor — reduced interest, deferred a car loan for a month
🔎 Canceled warranties + subscriptions
📉 Shopped all her insurances — saved $2,500/year (then another $5,600 when she moved)
🐄 Made a cow savings bucket 🐮 (we’re obsessed)
📋 Calculated her actual annual life costs
📊 Started using the retirement tab in our budget system
📆 Learned how to properly plan for 3-paycheck months
📱 Got organized — and finally felt in control of every dollar

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How Much “Fun Money” Should You and Your Spouse Get Each Month? (Hint: It’s Non-Negotiable) | 433

Mon, 14 Jul 2025 10:04:00 -0400

Alright, budget besties—this one’s a hot topic! How much personal spending money should you and your spouse get each month? Is $100 too low? Is $1,000 too high? Should it be cash? Should it be a card?

In this episode, Shana and Vanessa break it all the way down—from the emotional side of spending freedom to the practical steps of budgeting it in. This conversation was sparked by a lively debate in our Facebook group (come join us—it’s free and fun at budgetbesties.com/facebook), where folks shared their wide-ranging numbers—from $40 to $1,000 a month!

Here’s what we cover:

🛑 Why personal spending money is non-negotiable—yes, both of you need it
💵 How to figure out the right amount for your lifestyle and your budget
🔁 Why your spending number might shift depending on your season of life
🧾 The difference between personal money vs. other spending (like gas, groceries, or glam-up expenses)
🧠 Tips for automating your transfers and whether cash or cards are better
💳 Why separate accounts can make budgeting easier and less stressful
🧘🏽‍♀️ How personal spending helps heal old money habits and guilt

This episode will help you (and your partner!) give yourselves permission to spend, with freedom and boundaries. It’s not about the exact number—it’s about being intentional.

Wanna learn more about how we help couples build a budget they can actually stick to (and still have fun)? Our coaching programs and personalized budget templates are designed to give you clarity, confidence, and a little breathing room.

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Can You Really Budget Without Feeling Trapped? Danielle’s Story Says Yes | 432

Fri, 11 Jul 2025 10:04:00 -0400

Hey Budget Besties! 💛

This week’s episode is a powerful reminder that financial recovery is possible — and it starts with one brave decision at a time.

Danielle joined us fresh off her family’s bankruptcy discharge. After years of being buried in credit card debt, she and her husband are finally getting some breathing room — and she’s determined not to go back.

She’s taken some huge steps already (hello high-yield savings and separate bank accounts 👏), but now she’s looking for a real plan. One that brings peace, not pressure. And that’s where we came in.

Inside this coaching session, we cover:

Why “strict budgeting” is not the vibe — but real budgeting is still essential
The truth about paycheck budgeting (spoiler: it’s not working)
How to split your spending into categories that make sense (and reduce arguments!)
Why multiple checking accounts can be your secret weapon — especially if you're the only one managing the money
The mindset shift from “his money vs. my money” to “our vision”
How to get intentional about every dollar — even that overtime pay
Building savings buckets that are personal, powerful, and actually work
What to do next when the credit cards are gone but you're still stuck in survival mode

Danielle is doing so much right — she's motivated, she's organized, and she's ready. We just gave her the strategy to match her heart.

If you’ve ever felt like you’re “kind of budgeting” but still overwhelmed... this episode is your next step. 💪

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How to Stop Financial Avoidance and Start Adulting With Peace and Purpose | 431

Wed, 09 Jul 2025 10:04:00 -0400

Hey Budget Besties! 🎉

We’re throwing it back to one of our fave convos on the Work Like a Mother podcast with our girl Marina! If you missed it the first time, or just need a fresh dose of budgeting wisdom and encouragement, this one’s for you.

This episode is the perfect listen for anyone trying to get their financial act together in January (aka all of us). We talk through what it really means to reset your money mindset for the new year and how to plan for the year ahead without shame, overwhelm, or swiping your way into another stressful December.

In this replay, we chat about:

Our signature budget system that makes money feel less messy
How multiple bank accounts actually make things easier (promise!)
Getting your partner on board without turning it into a fight
Real-life wins from our clients — like paying bills on time for the first time ever 🙌
Why being bougie on a budget is the vibe for 2025
Credit card payoff strategy: step one is NOT what you think
Christmas savings hacks that’ll have you walking into December stress-free
What it really costs to raise teens (spoiler: it’s not just shoes and snacks)
Thoughts on college planning, guilt-free parenting, and raising financially-savvy kids

Whether you're feeling stuck in survival mode or just want to tighten things up and get intentional, this episode is your reminder that you can spend, save, and thrive—all at the same time.

Let’s adult for an afternoon, get those numbers on paper, and make a plan that actually works for your life. 💛

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Plan the Next 90 Days of Your Money: Budget Goals That Work in Real Life | 430

Mon, 07 Jul 2025 14:16:51 -0400

Hey Budget Besties!
Q3 is officially here, and you know what that means — it’s time to get real with our money, stop winging it, and start winning. Whether you crushed Q2 or it totally threw you for a loop, this episode is your reset moment.

Shana and Vanessa are walking you through how to create a solid 90-day plan you can actually stick to — paycheck by paycheck. We’re talking goal-setting, budget-building, and real-life planning that accounts for back-to-school, vacations, income changes, and surprises that aren’t even fun. 😅

In this episode, we cover:

✅ How to review Q2: the wins, the flops, and the surprises
📆 Why a calendar (like a real paper one!) is your budget’s BFF
💸 How to set clear, realistic money goals for July–September
🔁 What to do today to automate savings and stop living in budget chaos
🧾 The exact steps to break those big quarterly goals into monthly budgets that make sense

You’ll walk away with a customized 90-day money game plan that feels doable, gives your dollars a job, and helps you finally see the results of all your hard work.

“This is not about saying no. This is about saying yes — with a plan.”
“You don’t need another budget. You need a budget system.”

“You can cash flow your life — with less stress and more wins.”

✨ Budget Bestie Homework:

Reflect on Q2: what worked, what didn’t, and why.
Map out July, August, and September on a physical calendar.
Choose 1–3 realistic money goals for Q3 (think debt payoff, saving for travel, or finally sticking to your budget).
Set up your budget for July — and start adjusting your transfers to align with your goals.

Don't forget your savings buckets!

Tools We Mentioned:

Simplified Budget System – Want to set it and forget it? This system will change your life. budgetbesties.com/budget
Automate Your Budget Masterclass – Learn how to organize your accounts, automate your bills and savings, and reduce money stress. budgetbesties.com/automate

🫶 Remember:

You can totally do this. Whether your goals are big or small, this 90-day plan is your roadmap to more clarity, less chaos, and real momentum. We believe in you, and we’re doing it with you.

Got questions or want to share your 90-day plan? Email us at hello@budgetbesties.com — we wanna cheer you on!

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Time Management That Actually Works-A Chat with our Perfect•ish Friend Kali | 429

Fri, 04 Jul 2025 10:04:00 -0400

Check out Kali at Perfect-ish!

We’ve got our business bestie back on the mic, and you’re in for a treat. 🎻 Time management coach, international speaker, podcast host, and all-around rockstar Kali Brigham is here—and she’s serving up real talk, big laughs, and life-changing shifts.

Kali's not your typical “wake-up-at-5am-and-grind” kind of coach. She’s the founder of Perfect-ish—a time management approach that helps ambitious women design lives that feel as good as they look on paper. No guilt. No burnout. Just rhythms and routines that work for you.

In this episode, we chat about:

Why traditional time management is a lie (yep, we said it)
The PERFECT-ISH framework and how it helps you manage your time without losing your mind
What your calendar says about your values—and how to adjust when it’s out of alignment
The power of knowing whether you're an introvert, extrovert, or somewhere in between (ambiverts, unite!)
Real talk on naps, bookends, and why your daily energy matters more than any planner ever will
How to stop writing your life with the "wrong hand" and start building systems that feel right

Whether you’re juggling kids, running a business, or just trying to survive your to-do list, this is the episode you didn’t know you needed. It’s fun, practical, and full of those “oh dang, that’s me” moments. 👏

Budget Bestie Takeaway:

Time management isn’t about doing more—it’s about doing what matters in a way that works for you. When your schedule supports your energy, values, and season of life, you win. Period.

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Lessons from Real Coaching: : Budgeting Through Layoffs, AC Repairs & Real-Life Curveballs 428

Wed, 02 Jul 2025 10:04:00 -0400

You ever have one of those months where everything hits at once? The AC dies, plans fall through, unexpected expenses pop up like financial whack-a-mole—and somehow you're still expected to keep it all together? 😩

This week, Shana and Vanessa are walking us through two client stories that prove: your budget can still win—even when life feels like it’s falling apart. From single moms to powerhouse couples, we’re talking through what happens when emergencies hit, emotions run high, and yet...the budget still holds up. 💪

Here’s what we’re getting into:

One client went from crying on the floor (literally) to realizing she didn’t go into more debt—because her system had her back.
Another couple went from googling debt consolidation programs to organizing their accounts, dodging the Amex debt trap, and building a system that actually works.
Why we’re still side-eyeing those “non-profit” debt consolidation companies (no shade… okay, maybe a little).
How coaching helps you stay in control—even when life is trying very hard to knock you off track.
That “quick win” mindset? We’re flipping the script to focus on sustainable change instead.

And yes, we said it: you don’t need a debt consolidation program—you need a budget system. One that gives you control, clarity, and confidence. 🙌

Budget Bestie Takeaway:

Even if you don’t move forward on your goals this month, not going backward is still a win. Especially in tough times. You’re learning, you're organizing, and you're building habits that last way beyond this one hard moment. That’s the real victory. 💥

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July Budget Walkthrough: How to Prep for Summer Camps, Travel, and 4th of July | 427

Mon, 30 Jun 2025 10:04:00 -0400

Get our FREE One Page Budget Template here.

What if we told you that your entire July budget could be DONE before your iced coffee melts? Because listen—melted iced coffee is a no from us. 😅 But you know what’s also a no? Going into July without a plan when you’ve got holiday parties, travel, and summer chaos coming in HOT. 🔥

In this episode, we’re walking you step by step through how to close out June’s budget and set up July’s so you can enjoy the pool, the party, or even your sister’s bougie wedding without stressing about the money.

Here’s what we’re diving into:

🧾 How to properly close out last month’s budget (hint: don’t skip this step!)
💰 A full walkthrough of July’s budget using real client examples—from income to debt, spending, and savings
🧠 Why planning for “This Month” expenses (like summer camps, 4th of July BBQs, and school supply prep) is your secret weapon
🛍️ The difference between spending money and savings buckets—and how to make sure you’re not constantly “borrowing” from other accounts
👀 What to do if your income varies, you’re juggling summer gigs, or you’re saving for BIG things (like cruises or taking the whole summer off!)
🧒 Teaching your kids to manage their own fun money—because the Lululemon budget isn’t coming out of your Target run

Real talk, real results. This isn’t just about numbers. It’s about creating a budget that supports your life, not one that feels like a punishment. And if you’re like many of our clients (teachers, nurses, small biz owners, and everyday women just trying to make it all work), you’ll love how customizable and empowering this system can be.

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Big Dreams, Small Paychecks: Building a Life That Still Works | 426

Fri, 27 Jun 2025 10:04:00 -0400

In this heartfelt and relatable episode, we sit down with Angie—a teacher, wife to a social worker, and mom of three—who’s doing all the right things but still feels stuck in that “never quite enough” money zone. Sound familiar?

Angie and her husband don’t have debt (other than their mortgage 💪), are a paycheck ahead, and have even built an emergency fund over time. But with rising costs and the pressure of living in a high-income school district, she’s feeling overwhelmed and unsure about how to plan for future expenses like vacations, home repairs, or even a new minivan—without falling back into debt.

Here’s what we unpack in this episode:

👩‍🏫 Why income isn’t everything—and how teachers and social workers are more financially powerful than they think
💡 The difference between budgeting and tracking (Spoiler alert: your app may not be helping you!)
💸 How to use a one-page budget to finally see where your money’s going—and where it could be going instead
🏦 The power of savings buckets and how to slowly build them (yes, even with a tight income!)
💬 Why it’s okay to tell your kids “no”—and how to shift the conversation toward financial empowerment for the whole family
🛍️ Practical tips on separating bills from spending, opening multiple checking accounts, and giving every dollar a job

Angie’s story is full of small wins, real talk, and major encouragement. If you’ve ever felt like you're doing everything right but still can’t seem to get ahead, this episode is for you. We’re diving into strategies that bring financial peace—without changing careers or giving up your latte (unless you want to 😉).

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How One Small Shift Helped This Family Manage $12K a Month with Peace | 425

Wed, 25 Jun 2025 10:04:00 -0400

Hey budget besties! ✨

Today, we're getting real about something we keep coming back to — the chaos that comes from having one big savings account and no plan for that money. You know we’ve seen it again and again: a client dumps extra cash into a single account and says, “I’ll just pull from it when I need to.” And spoiler alert — that never ends well.

In this episode, Shana and Vanessa break down why having separate, labeled bank accounts is a game-changer. Whether it’s Christmas, travel, home repairs, or annual bills — your money should have a purpose, not just chill in a “someday” pile that slowly disappears.

We talk:

💸 Why Ally buckets (and similar tools) aren’t always as simple as they seem
🏦 How traditional banks (and even people in your life) might push back on having multiple accounts
🧠 Why friction is good when it keeps you from stealing from your future self
💬 And the power of showing your partner the numbers — not just telling them

Vanessa shares a story about a client whose partner wanted their family of five to live on $10K/month, even though $12K wasn’t cutting it. The big "aha moment"? Printing the budget and asking: “Okay, YOU show me what to cut.” Sometimes the clarity comes when everyone sees the full picture — and it leads to better teamwork (and less stress on just one person’s shoulders).

Whether you're team “spread it out” or still clinging to one savings pile, this episode is here to lovingly challenge you: give every dollar a job, and let your bank accounts work for you.

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How to Talk to Your Spouse About Budgeting: Without Nagging, Fighting, or Feeling Alone | The #1 Mistake Women Make When Their Partner Isn’t Involved in the Budget | 424

Mon, 23 Jun 2025 10:04:00 -0400

If you’re the one handling the bills, making the spreadsheets, remembering all the passwords (and maybe even doing coaching solo), while your spouse is more hands-off — we see you. And we’ve got your back.

This episode is all about getting your partner on the same financial page without nagging, begging, or feeling like you’re carrying the weight of your family’s money goals alone. Spoiler alert: you don’t have to do it all by yourself. 💛

We’re sharing:

Why sharing the numbers (literally printing the budget out!) can change everything
How to approach these convos without sounding like a tiny barking chihuahua 🐶
What to say (and how to say it) when you want to include your spouse in big money decisions
Real client stories that show how shifting your approach leads to huge mindset shifts
The power of scheduling budget talks on purpose — not yelling numbers across the kitchen
The secret weapon: framing budget convos around dreams instead of doom

✨ Whether your spouse is deep in the spreadsheets or couldn't care less about interest rates, this episode is full of tips that help you work together — without turning into the budget police.

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Budgeting Without the Guilt: Lattes, Disney, and a Fully Funded Life | 423

Fri, 20 Jun 2025 10:04:00 -0400

In this feel-good episode, we’re joined by the fabulous Amanda—a fellow budget bestie who went from feeling stuck and paycheck-to-paycheck despite earning more than ever to building a system that brings her peace, control, and yes… a travel fund just for Disney trips. 🏰✈️

Amanda shares how our Simplified Budget System helped her ditch the constant tracking, make confident money decisions, and even name her new financial vibe: “The Bank of Amanda.” 💸 She’s living proof that you can pay off over $24,000 of debt and still buy lattes, go on cruises, and keep your nails done—without guilt or confusion.

Whether you’ve tried to DIY a budget in Google Sheets (👋 us too), or you’ve been overwhelmed with apps that just beep at you all day, Amanda’s story is a breath of fresh air. She’s proof that a clear plan, a few bank accounts, and trusting the process can completely change the way we relate to money.

What We Talk About:

Why tracking isn’t the same as budgeting (and why you don’t have to do it forever)
Amanda’s moment of clarity while out on a podcast walk
The power of separating your spending (yes, even groceries!) 💳
Setting up automatic transfers that make your budget run itself
The joy of pocket money and planning for fun things—on purpose
How financial systems can actually heal your relationship with money
Paying off nearly $25K in debt while still living your life

Budget Bestie Takeaways:

Budgeting doesn’t have to feel like punishment
Automating your money gives you freedom, not restriction
You can be your own bank (hello, “Bank of Amanda!”)
There’s no one-size-fits-all—just the right system to fit you
You deserve clarity, ease, and spending money for you

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How This Couple Paid Off $51K in Debt—After Cutting Their Income in Half | 422

Wed, 18 Jun 2025 10:04:00 -0400

How do you make $18,000 a month and still feel broke? For this couple, it wasn’t about how much they were earning — it was about what they were doing with their money (or not doing). Before coaching, they were stuck in what we lovingly call “money magic” mode: overspending from one big Bills account, moving money around with Cash App and Facebook Pay, and juggling 24 debts with no real system. 🙈

The good news? They turned it ALL around — and paid off $51,000 in debt in under a year, even after their income was cut in half. 😲👏

In this episode, we’re breaking down:

The difference between a budget and a system (hint: this couple didn’t need another spreadsheet)
What “money magic” looks like — and why it keeps you stuck
How separating accounts (yes, even a date night one 💕) helped them finally make progress
The power of automation — paycheck transfers, bill payments, and savings goals on autopilot
Why they sold a car, asked for raises, and started side hustles (without sacrificing date night!)

From Cash App chaos to debt-free clarity, this is a transformation that’ll inspire you to stop feeling like your income is slipping through your fingers — and start building a plan that actually works for your real life.

🎧 Listen in to hear how they did it — and how you can start making progress, no matter where you’re starting.

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Tracking Every Dollar Isn’t Budgeting — Here’s What Actually Works | 421

Mon, 16 Jun 2025 10:04:00 -0400

Hey budget besties! 💸

We know, we know — tracking your spending feels like the "responsible" thing to do. You've got the apps, the spreadsheets, the color-coded categories. But if you're still feeling broke and behind… something’s not working.

Here’s the truth: tracking is not budgeting. It’s accounting. (Yep, we said it.) And unless you're one of those magical humans who loves being an accountant — we see you and salute you — then chances are, this method is stressing you out and keeping you stuck.

In this episode, we break down:

Why tracking your expenses is reactive and not helping you plan ahead
The real difference between accounting and budgeting
How to stop tracking everything and start telling your money where to go — before it even hits your account
The power of separate bank accounts for bills, spending, gas, groceries, restaurants, and more
What it looks like to assign money with intention, not shame
Real-life examples of how to make this system work with $400 weekly, $300 monthly — whatever your situation is!

We’ll also share how our Simplified Budget System helps you ditch the spreadsheet guilt and finally get ahead, all without becoming a human calculator.

✨ Imagine this: you open your bank account and instantly know how much you can spend — no mental math, no receipts, no surprises. Just freedom.

So if you’re still tracking and still stuck, this episode is for you. Let's make your budget actually work — without the overwhelm.

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How Busy Moms Can Create a Personal Finance System That Actually Works | 420

Fri, 13 Jun 2025 10:04:00 -0400

Hey budget besties! 👯‍♀️

We’re dusting off one of our fave convos and bringing it back—this time from our guest appearance on It’s About Time with our girl Anna Dearmon Kornick! 💁‍♀️✨ If managing money has ever made you feel overwhelmed, behind, or straight-up avoidant...you are SO not alone. This episode is your friendly permission slip to stop the shame spiral and finally create a system that works for you.

Whether you’re the family CFO, the chef, the chauffeur, or all of the above (because same), this one's for you. 👏

Here’s What We’re Digging Into:

💡 Why a flexible financial system is the key to long-term sanity
💵 Our 5-part budget structure that keeps everything organized (and stress-free)
🏦 How multiple accounts + automation can change the game
📲 Why tracking apps are overrated (yep, we said it)
💳 What to do first when paying off debt—and why it goes at the top
🛍 How to make room for guilt-free spending, even if you're paying down debt
🧠 The mindset shift that takes you from “I’m bad with money” to “I’ve got this!”

You’ll also hear us geek out on how we built this method around real life (and how it’s surprisingly similar to Profit First, for our biz-owner besties out there!). 🙌

Connect With Us:

Get Your FREE Copy of the Wealthy & Well Known Audiobook!

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How to Build a Personal Brand That Attracts Clients, Grows Your Business, and Reflects Your Purpose — with Reshia Lea from Brand Builders Group | 419

Wed, 11 Jun 2025 10:04:00 -0400

Book a Free Brand Strategy Call!

If you're an entrepreneur, coach, or service provider trying to grow your business online, but your message isn’t connecting—or you’re not attracting the right clients—this episode will show you exactly why your brand might be the missing piece.

We’re joined by Reshia, our personal brand strategist at Brand Builders Group (BBG)—the coaching company that has helped top thought leaders like Lewis Howes, Amy Porterfield, and now, us. 🙋🏽‍♀️🙋🏼‍♀️

In this episode, we break down:

✅ What a personal brand actually is (it’s not just your logo or website)
✅ How to clarify your message so it speaks directly to the people you’re meant to serve
✅ The exact BBG framework that helped us get focused and grow our financial coaching business
✅ How to position your brand if you want to write a book, speak, launch a course, or scale your services
✅ Why a personal brand rooted in service will unlock growth, revenue, and long-term impact

This conversation is especially for women who:

Are building coaching, consulting, or service-based businesses
Feel unclear about their messaging or online presence
Want to move from “doing all the things” to doing the right things
Are ready to stop winging it and start building a brand with intention and clarity

👀 BONUS: We also talk about what it’s like to finally feel seen in a room full of high-achieving women—and why the BBG process is different from other coaching programs we’ve tried (and paid big money for).

✨ If you’ve ever thought, “I know I’m meant for more, but I don’t know how to pull it all together,” this episode is for you.

Grab the free audiobook of the Brand Builders Group book before July 1st. It outlines the exact step-by-step framework that helped us grow a brand we’re proud of.

How to build a personal brand
Branding for women entrepreneurs
Personal branding for coaches
Brand Builders Group review
Coaching business strategy
Brand clarity for service providers
How to attract clients with your brand
Build a brand that reflects your values
Personal brand strategist for women
Brand messaging for coaches
Entrepreneur branding tips
Female entrepreneur podcast

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5 Personal Finance Tips for 2025 | How We Automate Bills, Spending & Investing | 418

Mon, 09 Jun 2025 10:04:00 -0400

Budget Besties, it’s time to break up with guess-and-hope budgeting. 👋🏼💸 If you’re still manually moving money around every payday, chances are you’re wasting time, energy and accidentally overspending.

In this episode, Shana and Vanessa walk you through the five key budget automations they personally use—and that have helped thousands of clients finally take control of their money without overthinking it every. single. week.

We’re talkin’:

Automating Your Bills – One dedicated account. All your bills. Set it and forget it.
Automating Your Investments – Treat your future like a non-negotiable bill.
Automating Your Savings Buckets – Christmas? Car maintenance? That summer trip? It’s all covered.
Automating Gas + Groceries – Never panic at the pump or stretch pantry meals 'til payday again.
Automating Your Personal Spending – A little joy-money that’s just for you—no guilt, no questions asked.

We break down exactly why this system works and how to set it up in a way that takes you out of the equation (a.k.a. fewer mistakes, more peace of mind).

✨ Whether you're brand new to budgeting or ready to upgrade your old system, this episode will have you rethinking how you handle your money—in the best way.

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I Make Good Money and Have Nothing to Show for It: A Single Mom’s Wake-Up Call to Take Back Control of Her Budget and Start Feeling Financially Safe | 417

Fri, 06 Jun 2025 10:04:00 -0400

Budget besties, we’ve got a relatable one for you today! Meet Nicole—a clinical psychologist, single mom of two, and a total powerhouse who’s doing the work to get financially organized. She joined us to share what it’s like starting out with budgeting (spoiler alert: it’s not perfect right away), how she discovered she was actually spending four times more on her cats than she thought, and what she’s doing with a $5,000 windfall. 💰🐈‍⬛

We break down the big stuff—from student loans that feel like a mountain to climb, to that confusing moment when you realize Amazon might be eating your entire budget. Nicole had smart, honest questions about setting up savings buckets, managing multiple bank accounts, and figuring out how to prep for expenses before they sneak up on you.

Together, we dig into:

The emotional side of budgeting when you're used to flying blind
What to do with unexpected money (hello, baller pad emergency fund!)
Why savings accounts should feel like labeled file folders, not financial overwhelm
How many cards you actually need (hint: two)
Where to draw the line between groceries, household supplies, and “fun” Amazon orders
Making peace with student loans you can’t pay off tomorrow

This episode is packed with practical tips, reassurance for messy first drafts, and real-life strategies for managing money without judgment. If you’ve ever said, “I make good money but don’t know where it goes,” this one’s for you.

Connect With Us:

3️⃣ Budget – Grab our Simplified Budget System! You don’t need another budget, you need a system that does the math, makes the plan, and gives you permission to spend. ➡︎⁠ ⁠⁠budgetbesties.com/budget⁠

4️⃣ Private 1-on-1 Coaching – Get a plan and a coach. We’ll build your full budget system together, so you always know what to do and feel confident doing it. ➡︎⁠ ⁠⁠budgetbesties.com/coaching⁠

5️⃣ Be on the Podcast – Free coaching, real convo. Come chat with us on the show! Get real-time financial coaching and help other women by sharing your story. ➡︎ ⁠budgetbesties.com/livecall⁠

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How to Stop Relying on Debt and Build a Budget That Actually Works for Your Life | 416

Wed, 04 Jun 2025 10:04:00 -0400

Today, we’re talking about real coaching convos with our actual clients—and trust us, these are situations that might hit real close to home. From deciding whether to lease that shiny new car (👀) to finally choosing to take control of student loans or just figuring out what the new normal is after a big financial win—we’re breaking it all down.

Whether you’re staring down a tempting new lease, wondering what to do with a big refund, or trying to figure out why it still feels like money is disappearing every month, you’re not alone—and this episode’s for you.

Here’s what we get into:

🚗 To Lease or Not to Lease?

When one client was weighing a $58K car lease (yep, to lease, not own 😳), we laid out the facts. Spoiler: we don’t make the decisions—we just show you what the numbers say. And sometimes? That’s all you need to make the best call.

💸 Student Loans vs. Emotional Exhaustion:

Another client thought she wasn’t that worried about her loans—until she realized she’d already paid nearly $100K in interest over the years. Y’all, the numbers don’t lie. Knowing the true cost of delay can be the push you need.

💰 Hello, Tax Refund! Now What?

We helped one client resist the urge to pay off a credit card just because it felt right—and instead, she funded her annual bills account to avoid debt in the future. That’s what we call financial clarity.

📦 Savings Buckets Make a Comeback:

A client who “prints money” (okay, not really—but he is super handy) finally got to set up a real monthly budget, complete with savings buckets for everything from pet care to holiday gifts. Now, their money is working for them—not the other way around.

🧠 Perspective is Everything:

Having a coach means someone’s giving you the facts without emotional attachment. And that right there? It’s often the difference between spinning your wheels and actually moving forward.

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How to Stop Living Paycheck to Paycheck in 30 Days | 415

Mon, 02 Jun 2025 10:04:00 -0400

If your bank account is constantly giving “$9.18 energy,” and payday feels more like a lifeline than a win—this one’s for you. You're not bad with money, you just never learned the system that actually works for real life.

This week, we’re walking you through exactly how to break free from the paycheck-to-paycheck cycle—in the next 30 days. Yes, really. And no, you don’t have to cancel everything fun to make it happen.

In This Episode, We Cover:

💸 The Real Reason You Feel Broke:

It’s not your spending, it’s your system. Most of us are still running our money like we’re 18—with one account trying to do everything. No wonder we’re exhausted.

📆 What It Means to Be a Paycheck Ahead:

We teach you the game-changing strategy of using your last paycheck of the month for the next month’s budget. No more scrambling. No more overdrafting. No more financial whiplash.

🏦 The Power of Bank Account Separation:

Why having at least two accounts (Bills + Spending) is the simplest way to stop stressing and start spending on purpose. You'll finally know what money is safe to spend—and what’s off-limits.

🧠 How Decision Fatigue Is Wrecking Your Budget:

From checking your bank app 12 times a day to wondering if you can afford groceries (again), this cycle is draining. We’re showing you how to automate it away.

🛠️ The 4 Steps to Fix It in 30 Days:

90-Day Audit – Get real about where your money’s going.
Monthly Budget – Stop budgeting by paycheck, and start planning by month.
Separate Your Money – Bills account + Spending accounts = peace.
Automate Transfers – Let your bank do the heavy lifting.

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How Michelle Paid Off Credit Card Debt Fast and Found Peace with a Simple Budgeting System | 414

Fri, 30 May 2025 10:04:00 -0400

In today’s episode, we’re sitting down with our amazing client Michelle, who just wrapped up her six-month coaching journey—and let us tell you, this one’s got all the good stuff: drama, breakthroughs, and some serious “same, girl” moments.

Michelle’s story is full of heart, humor, and hope. She came to us thinking, “Great, another boring budget podcast,” (yep, we laughed too)… but then she found our system, and everything changed. 👏

Check out Relay for your business bank needs: https://budgetbesties.com/relay

Here's what we cover:

💳 Credit Card Chaos to Calm:

Michelle shares how she saved 60% on her credit card debt (yes, sixty!) just by making one phone call—with our script in hand and the right numbers in her budget.

🧠 From Budget Burnout to Confidence:

She'd tried all the traditional budgeting methods—itemizing, zeroing out, the whole nine. None of it worked. Until she found a system that finally gave her clarity and peace of mind.

🏦 Too Many Bank Accounts?

When we first met Michelle, she had seven accounts across two banks and still felt broke. We helped her simplify everything into one easy-to-see, streamlined system—because more bank accounts ≠ better budgeting.

👨‍👩‍👧 Keeping It Real as a Couple:

Michelle and her husband tackled the messy parts together—from business expenses sneaking into personal accounts, to the “wait, where did the money go?” convos. (Spoiler: they’re stronger for it!)

📈 Wins Big and Small:

A business account that actually works, a budget she trusts, and a husband who now sees the value of having his own expense account. Plus, all their money in one place—no more disappearing dollars.

Connect With Us:

1️⃣ Facebook Group – Join the community.Our free group is where the real talk happens. Connect with other women who are learning how to budget, save, and finally feel in control, together. ➡︎ budgetbesties.com/facebook

2️⃣ Automate Your Budget Masterclass – Watch it now, no waiting.This FREE on-demand training shows you how to set up a budget that matches your lifestyle, without tracking every dollar or feeling restricted.

➡︎ budgetbesties.com/automate

3️⃣ Budget – Grab our Simplified Budget System!You don’t need another budget, you need a system that does the math, makes the plan, and gives you permission to spend. ➡︎ budgetbesties.com/budget

4️⃣ Private 1-on-1 Coaching – Get a plan and a coach.We’ll build your full budget system together, so you always know what to do and feel confident doing it. ➡︎ budgetbesties.com/coaching

5️⃣ Be on the Podcast – Free coaching, real convo.Come chat with us on the show! Get real-time financial coaching and help other women by sharing your story ➡︎ budgetbesties.com/livecall

"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.

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Real Client Wins & Wake-Up Calls: Rebuilding Credit After Bankruptcy, How to Make a Budget That Works, and Finally Stop Overspending | 413

Wed, 28 May 2025 10:04:00 -0400

This episode is a ride through the real-life money moments we see in coaching all the time. From the confusion around bankruptcy payments to finally feeling not broke even when you’re actually doing great—this one’s full of eye-openers.

We’re pulling back the curtain on our coaching sessions to walk you through what’s really going on behind the numbers. Because if our clients are struggling with it, chances are you might be too.

Here's what we get into:

💥 Bankruptcy Aftermath:

How multiple credit cards and personal loans can still show up after bankruptcy—yep, it’s a thing. And the shady credit cycle that keeps folks stuck.

🧠 The Mental Load of Money:

Why some clients still feel broke—even when they’re making great money—and how mindset rewiring is just as important as the math.

📆 From Chaos to Clarity:

How one client finally ditched partial payments and moved to full payments + autopay—after a whole year of messy money habits.

📞 The Dreaded Debt Calls:

We’re not gonna lie—making calls to creditors isn’t fun. But we’re walking you through what to say, how to ask, and what kind of results are actually possible (hint: skipping a $700 car payment? Yep, that happened).

🔄 Breaking the Cycle:

From credit stress to budget confidence—we’re helping our clients stop reacting and start planning, so they never end up in the same spot again.

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Build Your June Budget Step-By-Step With Us: Income, Bills, Debt, Spending and Savings Walkthrough | 412

Mon, 26 May 2025 10:04:00 -0400

Hey budget besties! 💛

Have you made your June budget yet? If not—don't worry! This episode is your cue to grab that pen and paper (or open your budget spreadsheet) because we're walking you step-by-step through creating your June budget together.

We’re talking:

✅ Closing out May’s budget (yes, you need to do this first!)
💸 Updating your actual numbers—not just what you planned
🔁 Getting honest about surprise bills and shifting plans
🧾 Starting June off ahead by using May’s last paycheck
💳 Listing debt minimums only—so we can make a powerful payoff plan later
🏡 Bills that reflect your real life (hello massages and Pilates!)
🛍️ Budgeting for spending categories that make your life work—groceries, gas, date nights, kids' field trips, and YES, your personal money too!
🎉 Adding in all the extras—Father’s Day, 4th of July prep, birthday parties, and last-minute summer fun
💰 Getting serious with savings buckets and your debt payoff game plan

Whether your June looks busy, laid back, or somewhere in between—this budget will make sure your money is working for you and not the other way around.

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How This Nurse Beat the Paycheck-to-Paycheck Cycle With One Simple Account | 411

Fri, 23 May 2025 10:04:00 -0400

Budget besties, this one’s for you if you’re juggling multiple jobs, navigating biweekly paychecks, and trying to climb out of credit card debt with your sanity (and maybe a little spending money) intact. 🙌

In this episode, Shana and Vanessa coach a nurse who’s stepping into her full-time income post-grad school, looking for a plan that brings clarity and peace to her money. Together, we break down how to budget on a biweekly paycheck, how to stop the “dump money on debt then panic” cycle, and why a Bills Account is about to become your new favorite money hack.

We also dig into how to handle credit card balances strategically—especially when a 0% intro APR is about to expire. (Spoiler: You can call your credit card company and ask for a lower interest rate. We’ll tell you exactly what to say.)

What we cover:

How to organize your monthly budget when you're paid every two weeks 🗓️
Why you need separate accounts for bills, groceries, and fun money 🍕💅
The truth about making extra debt payments (and why we start with minimums first) 💳
How to call your credit card company and negotiate a better rate (yes, really!) 📞
Creating a plan for per diem income that actually helps instead of disappearing into the abyss 💸
Getting out of the cycle of financial shame and starting fresh with a plan that works 🌱

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Budget Wins from Real Clients: Paying Off Debt, Managing Tax Refunds, and Building a Financial Plans | 410

Wed, 21 May 2025 10:04:00 -0400

Budget Besties, buckle up! Today, we're inviting you behind the scenes of our private coaching calls to dish out the real-life budget wins, tough decisions, and "wait, should I buy a zebra?" moments from our amazing clients. If they’re going through it, chances are you are too — so let’s break it all down together.

From surprise escrow refunds and dream farms (complete with cows, chickens, and yes... zebra requests 🦓) to the real cost of keeping an old house — we’re talking about how to prioritize when everything feels important.

You’ll hear:

How one client used a tax refund to unlock a future cattle business — but only after making the right money move first.
Why a bougie birthday and high-end daycare didn’t derail another client’s financial progress.
What happens when income’s flowing, but the accounts are too scattered to tell what’s really going on.
And why not everyone wants to be debt-free right now — and how that can still be part of a strong, confident money plan.

We’re here to show you it’s not about doing everything perfectly — it’s about doing what works for you, and doing it with clarity, confidence, and a whole lot of grace. 💛

✨ Real-Life Takeaways:

Prioritize the money move that unlocks future wins. (Fixing up the old house first = cash for the farm later!)
Use windfalls (like tax refunds or bonuses) intentionally — a plan means you won’t blink and wonder where it all went.
Simplicity is key: too many accounts = too much confusion.
You get to decide your goals. If saving cash gives you peace of mind more than paying off debt, that’s valid.
Budgeting isn't about deprivation — it’s about direction.

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409 | You Don’t Need a No Spend Month — You Need a Real Plan

Mon, 19 May 2025 10:04:00 -0400

You’ve heard of a no spend month.

You’ve maybe even tried one.

And if you’re like most of us—you probably ended up at Target with a cart full of “oops.” 😅

In this episode, we’re unpacking the real truth about no spend months: why they feel productive but usually don’t solve the root problem. Our special guest, budget bestie Bethany, joins us to share her real-life experience going through one (spoiler: her coffee shop noticed she was gone 👀).

We cover:

What a no spend month actually looks like with a big, busy family (and coffee-loving parents!)
The real reason we tend to overspend in the first place
How binge-spending sneaks in right after restriction
The budget-friendly alternative that helps you spend on purpose without the guilt spiral
Plus, how Bethany’s family is now teaching their kids to manage money with weekly spending limits

If you've been thinking about a financial reset, don’t start with restriction—start with a real system that helps you spend, save, and breathe. Because budgeting isn’t about saying “no” to everything. It’s a

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408 | How She Paid Off $17K and Started Saving $2K/Month on One Income

Sat, 17 May 2025 14:13:59 -0400

We’re bringing you one of our favorite kinds of episodes—a real story from a real budget bestie who decided enough is enough. Missy joined us after trying to DIY her budget (like so many of us do), but when she saw the numbers? Let’s just say the highlighters came out and so did the coaching call.

In this episode, you’ll hear:

How Missy went from “Where is my money going?” to saving over $2,000 a month
The surprising things she changed (like re-quoting her insurance!) that saved her thousands
The mindset shift that helped her finally feel in control of her finances
Why downsizing her home and organizing her savings buckets was a game-changer
And how she’s still crushing it post-coaching—she paid off $17,000 more in debt in just 3 months on her own!

From working two jobs to becoming a travel agent to creating 13 (!) bank accounts, Missy’s journey is proof that when you commit, get clarity, and stick with it—you’ll see results faster than you ever thought possible.

If you’ve been stuck in “I’ll figure it out later” mode, this is your sign.

Financial peace is just a system—and a little coaching—away. 💛

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407 | Money Doesn’t Have to Be Hard: Breakthroughs From Real Coaching Clients

Wed, 14 May 2025 10:04:00 -0400

Ever feel like you're playing a constant game of "Can we afford this?" with your partner? 😅

This one’s for you.

We’re diving into the simple, powerful tool that has changed the way couples (and individuals!) manage their money: separate spending accounts.

We know—it sounds so basic. But once you actually do it?

🙌 The freedom.

🙌 The peace.

🙌 The end of the weird parent/child money dynamic that no one wants.

In this episode, we’re sharing:

Real-life coaching stories from couples who went from friction to freedom just by adding accounts
How this shift gives both partners autonomy, trust, and clarity
Why this one change can eliminate fights, judgment, and constant permission-seeking
A few powerful lessons from clients who paid off debt, made mistakes (hello, double truck payment 😬), and kept their calm because of the systems they now have in place
Why you might be just one good budget and a few renamed bank accounts away from breakthrough

Oh—and we’re hinting at our brand new national research study on finances and marriage... and the results are wild. Stay tuned for that drop soon!

Remember: It’s not about tracking harder. It’s about designing a system that works with your real life—and actually brings peace to your relationship and your brain.

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406 | 9 Budget Tasks You Can Delegate to Your Bank: Automate Your Money, Save Time, and Finally Feel in Control of Your Finances

Mon, 12 May 2025 11:20:49 -0400

Ever wish your bank could do more than just hold your money?

Same. That’s why in this episode, we’re showing you how to put your bank to work—like your very own financial assistant. 💼💁‍♀️

We're breaking down 9 specific, budget-friendly tasks your bank can totally handle for you—saving you time, brain calories, and that sinking feeling when you're trying to remember if your electric bill got paid (spoiler alert: it did, automatically!).

Here’s what we cover:

Why a Bills Account is a non-negotiable (seriously—peace of mind in an account!)
The power of separate accounts for less mental math and more clarity
How automatic transfers can make saving and spending way easier
What naming your accounts does for your brain (and your budget)
The magic of hiding certain accounts (out of sight = out of swipe 👀)
Why ACH payments > debit cards for paying bills
What direct deposit into your Bills Account unlocks (hello, fully planned paycheck!)
And yes—why setting up Kids Accounts is a parenting win

We’re not here to add more to your to-do list—we’re here to delegate it to your bank so you can stop micromanaging your money and start living your life. 🙌

Connect With Us:

👉 Join Anna’s FREE 5-Day Take Back Your Time Challenge!

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405 | Time Management for Real Life: Let Go of the Guilt and Take Control (with Anna Kornick)

Fri, 09 May 2025 10:04:00 -0400

We’re back with our time management queen, Anna Dearmon Kornick, and y’all—it’s like peanut butter and jelly: time and money just go together! IFeeling like there’s never enough time? In this episode, we’re joined by time strategist Anna Kornick to explore a new, purpose-driven approach to managing your time—without burnout, guilt, or trying to do it all. If your life feels too full and your to-do list never ends, this conversation will show you how to align your schedule with your values, take back your time, and finally feel more present and peaceful in your season.

Whether you're overwhelmed by your calendar, struggling to say no, or trying to create space for what matters most, this is for you.

Anna shares why time management isn’t about doing more, it’s about doing what matters most. We talk about:

Why the words you speak about time totally shape your reality (seriously—mindset matters)
The magic of a today list vs. an endless to-do list (hello, 5 to 7 doable tasks!)
Real-life friction points (like the socks... oh, the socks) and how tiny tweaks can free up your mental space
Why saying no to some things is saying yes to your values
How personalized time systems can change your life—and your bank account

💬 Key Ideas: how to take back your time, realistic time management for women, mindset shift for busy moms, aligning your time with your values, how to stop feeling overwhelmed

Anna’s 5-day challenge kicks off May 12 and it’s exactly what we all need as summer chaos rolls in. Let’s finally feel in control of our calendars and our cash.

📍Resources & Links:

Connect With Us:

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404 | Budgeting Lessons From Real Coaching Sessions: Unexpected Moving Costs, 15-Year vs. 30-Year Mortgage Thoughts, Untracked Subscriptions and the Costco Credit Card Trap (Overspending at Costco)

Wed, 07 May 2025 10:04:00 -0400

Today, we're taking you behind the scenes of our private coaching sessions to share the real stories, real challenges, and real wins that come with building a budget that works in the messy moments of life. From surprise moving costs and mortgage pressure to sneaky Apple charges and Costco overspending, we’re breaking it all down. These lessons are too good to keep behind closed doors—because if our clients are dealing with it, chances are you are too.

Whether you're in the middle of a big life change or just trying to keep your grocery budget under control, this episode is full of practical takeaways and comforting reminders. We’ve got your back through every budgeting curveball.

What We Talk About:

Why moving always costs more than you think
The 15-year vs. 30-year mortgage debate (especially for single income households)
How a few forgotten subscriptions can wreck next month’s budget
The danger of “extra” money sitting in your account
When buying the dream house means saying no to everything else—for a season
Credit card points vs. actual financial peace
Our honest (maybe unpopular) opinion on Costco and bulk stores

Budget Takeaways:

Moving is messy—plan as much as you can, but give yourself grace when the numbers don’t look perfect.
Debt freedom takes sacrifice. But short-term discomfort can create long-term options.
Put your bills in one account and pull your rollover money out—no temptation!
If there’s no wiggle room in your budget, it’s not the right time for a 15-year mortgage.
Credit card points are not a budgeting strategy. They’re a trap. (We said what we said.)

Connect With Us:

This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase!

403 | Bank Features That Make Budgeting Easier — and How to Choose the Best Bank or Credit Union for Your Financial Goals

Mon, 05 May 2025 10:04:00 -0400

Hey there, budget besties! 💸

We get this question all the time: “What bank should I use?” And honestly? We wish it were as easy as tossing out a perfect recommendation—but it’s not that simple.

In this episode, Shana and Vanessa are giving you all the tools you need to pick the right bank (or credit union!) that actually works for your budget, not against it. Think of it like this: your bank is your personal assistant, and you’re the CEO. Time to do some hiring! 👩‍💼💼

We walk you through a full bank interview checklist—the exact questions you need to ask to make sure your bank is helping you automate, organize, and protect your money goals.

✨ What we cover:

Why your bank (or credit union) should fit your budget style, not the other way around
The non-negotiables you need from your bank (spoiler: multiple accounts and no hidden fees)
Why local credit unions are sometimes a secret weapon
How your bank could be slowing down your budgeting progress
What to look for in your bank’s app and online features

Connect With Us:

This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase!

402 | How to Build Wealth on a Blue Collar Income with Chad Hufford

Fri, 02 May 2025 11:37:47 -0400

Hey budget besties! 💸 Buckle up—this episode is bringing big truth, real talk, and some absolutely fire metaphors. 🚗💨

We’re sitting down with our friend Chad Hufford from Blue Collar Millionaire to talk about how more money isn’t the answer if you don’t have a solid plan. This is for all of us—whether you’re bringing in $7K or $50K a month—because how you manage your money is what really determines your financial freedom.

If you’ve ever said:

“I make good money, but I’ve got nothing to show for it.” 🙋‍♀️
“I’ll invest when I earn more.” ⏳
“Retirement? That’s future me’s problem.” 😬

Then this is your episode.

Here’s what we dive into:

💥 Why you can’t out-earn bad money habits
🛻 How truck drivers and welders become millionaires (yes, really!)
🧱 Why investing without a plan is like building a house in a forest fire
💰 How to reverse-engineer your retirement lifestyle with today’s budget
🛠️ Why the “right tool” (not just income) makes all the difference
🚗 And the truth about Ferrari finances vs. Geo Metro habits (iconic metaphor alert!)

We’re also talking about:

Shifting from “retiring from something” to “retiring to something” 💡
Casting a vision you’re actually excited about—no matter your income
How the same principles apply across blue-collar and white-collar worlds
And how your current habits can make or break your future lifestyle

Connect with Chad:

📚 Forging Financial Freedom – Available on Amazon
🎧 Blue Collar Millionaire Podcast
🌐 VeritasAlaska.com (Don’t worry, you don’t have to move to Alaska to get the goods!)
📱 IG: @veritasalaska

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

Get our Simplified Budget System!

This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase!

401 | Make Your May 2025 Budget with Us: A Step-by-Step Monthly Money Plan

Wed, 30 Apr 2025 10:17:11 -0400

Hey budget besties! This month, we're shaking things up. We sat down with our girl Carrie and her amazing Disruptive Nutrition community to walk through—in real time—exactly how we build May’s budget. So if you've been putting it off, consider this your official sign. Let’s go!

In this jam-packed, workshop-style episode, we break down our full budget system step by step: income, debt, bills, spending, and savings. You'll learn how to set up a hands-off, automated budget that works with your real life—one that helps you live your purpose without worrying if your card will go through at Target.

✨ Highlights:

The “B word” doesn’t have to be scary—we make it simple and beautiful.
What really belongs in the debt column vs. bills
Why you need a separate spending account just for the kids (yes, YOU deserve your own money too)
How to use savings buckets to break the cycle of unexpected expenses
Setting up paycheck plans that make your budget work for you, not the other way around

If your current money system still looks like what you did at 18, it's time for an upgrade. And don’t worry—we’re not here to make you do math or give up your glam. We're about automating, simplifying, and organizing so you can live freely and spend guilt-free. 💸💅

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

This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase!

400 | We Accidentally Started a Podcast...400 Episodes and 1 Million Plays Later

Mon, 28 Apr 2025 10:04:00 -0400

🎉 400 EPISODES. 1 MILLION PLAYS. 5th BUSINESS BIRTHDAY. 🎉 We accidentally started a podcast… Now here we are: 400 episodes, over 1,000,000 plays, and a business we LOVE. 😍 Today, we're pulling back the curtain: 👉 How the podcast started with yoga mats and umbrellas 🙈 👉 How we juggled multiple businesses before niching down 👉 The turning points that changed EVERYTHING (shoutout Stefanie Gass + Brand Builders Group!) 👉 How we built clear offers, real work hours, and a business that's finally FUN again From rat poop to a million plays... 😂 It’s been a wild ride—and we're just getting started! 🩷 Thanks for being part of our story.

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

This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase!

399 | Stay-at-Home Mom Money Moves: How to Plan for Retirement Without a Paycheck!

Fri, 25 Apr 2025 10:04:00 -0400

Budget Besties, grab your coffee and your confidence — because this episode is all about stepping into your power as the CFO of your home, even if you’re not bringing in a paycheck. 💪

We’re joined by one of our favorite budget nerd mamas (in the BEST way), who’s sharing her journey from infertility-driven sacrifice to stay-at-home motherhood — and now stepping into the next big financial chapter: planning for retirement on one income.

We’re talking:

What stay-at-home moms can do to invest for retirement
The right questions to ask about old teacher retirement funds
Why Roth IRAs are your best friend (even if you don’t have earned income)
How to stop letting cash slip away unnoticed
And how to handle the frustration when professionals make you feel small

🧠 What You’ll Learn:

Why your money future doesn’t pause just because you’re not working right now
What the term “backdoor Roth” means — and how to use it wisely
How to take ownership of your old retirement accounts (even if you can’t log in anymore 😅)
That you don’t need to know all the financial lingo — you just need a plan
And why it’s never too late (or too early) to figure this out

Budgeting isn't just about managing expenses. It's about owning your future. And yes, mama — even while wrangling toddlers and squeezing in grocery trips between naps, you can absolutely be 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

This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase!

398 | Financial Breakthroughs from Real Clients: Organizing Cash, Tackling Debt, Budgeting as a Couple & Avoiding Lifestyle Creep

Wed, 23 Apr 2025 10:04:00 -0400

Whew, Budget Besties — this episode is full of real talk and real wins from our coaching clients. From Nashville tattoo artists to newlyweds trying to merge finances without losing their minds, we’re covering it all in today’s behind-the-scenes episode of what it really looks like to get your money life together.

We’re walking through: 💸 Making sense of cash-heavy businesses (yes, even $6K/month in cash!)

🏡 Homemaking budgets and why "making a house a home" is a line item

📱How to untangle Amazon charges (spoiler: you can assign cards by category!)

🧾 Organizing messy savings and crushing debt with clarity

💑 Blending finances as a couple — even when one of you has debt and the other doesn’t

Because budgeting is not about judgment. It’s about creating a system that works for your real life. Whether you’re:

Running a six-figure biz with money flying in from all angles
Feeling low-key guilty about spending on your home
Nervous about your partner seeing just how much credit card debt you’ve got
Or overwhelmed by all the bank accounts, credit cards, and loans you’ve been managing solo...

We’ve got you.

🧠 This episode is full of coaching gold:

Why cash-based income has to be budgeted or it will disappear
The truth about lifestyle creep (and how to check it before it runs away with your goals)
How simple changes — like naming your savings or setting spending accounts — lead to massive progress
And how to create buy-in with your spouse without a fight

This is what financial clarity looks like: one small, consistent, empowered step at a time. 🧡

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

This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase!

397 | Why Budgeting Matters for Every Woman—In Every Era of Her Life, and What It Looks Like in Every Season of Womanhood from Teenager to Newlywed to Retirement

Mon, 21 Apr 2025 10:04:00 -0400

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:

High school budgets (hello, Starbucks and hoodies 🧋🧥)
College survival (and how to NOT live off ramen and credit cards)
Young marriage and mom life (budgeting for date nights and diapers)
Bougie era budgeting (more income, bigger goals—and NO excuses)
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:

How early budgeting habits create financial confidence for life
Why your college student must have a budget (and how to avoid drowning in debt)
How to combine finances in marriage without stress or confusion
Why high income doesn’t fix money problems — but budgeting does
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

This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase!

396 | The Step-by-Step System for Budgeting When Your Paychecks Change Every Month

Fri, 18 Apr 2025 15:08:37 -0400

Hey, budget besties! 💖 Today we’re chatting with Andrea, who's right in the middle of a BIG life transition — new marriage, three kids headed to Brazil for a year (!), and full-time camper living while her husband travels for work as a union electrician. 🚐✨

Andrea’s done all the things — tried The Budget Mom, dabbled in Dave Ramsey — but sticking to a budget? THAT’S the struggle. Especially now with a fluctuating income and a whole new way of life.

We walk Andrea through how to set up a money system that works for real life — not just the life you plan in pretty colors and fancy spreadsheets. 🎨📊 Here's what we tackled:

How to budget on an inconsistent income without the chaos.
Why separate bank accounts (bills, spending, savings!) are your new best friends.
How to automate your money so you can't accidentally mess up (even if life gets messy).
Budgeting off the bare minimum — and using the extra to finally get ahead.
Why you start automation NOW — even if you’re behind on bills.

This conversation is full of real-life feels, practical tips, and lots of encouragement for anyone who's ready to turn a season of transition into a season of financial empowerment. 🌟

We want you to hear this loud and clear: you don’t have to be perfect. You just have to get your system in place and let it work for you — even when life gets wild.

Mentioned in the Episode:

Separate bank accounts for bills, spending, and savings
Budgeting on a baseline income
Blue Collar Millionaire podcast (shoutout to our hardworking besties!)

395 | Money Lessons from Real Clients: Emergency Funds, Paycheck Planning, Mom Guilt Breakthroughs & Business Wins

Wed, 16 Apr 2025 10:04:00 -0400

Budget Besties, this one’s for everyone who’s ever thought, “Why does it feel like everything is hitting all at once?” 😵‍💫

In this episode, Shana and Vanessa are sharing real stories from coaching clients who are pushing through real life – emergency room visits, broken fingers, college costs, tragic losses, and even tangled-up business budgets. But through it all, we’re celebrating the small (and major) wins, like…

✨ Surviving back-to-back emergencies without going into debt

✨ Paying taxes on time for the first time EVER

✨ Learning how to finally get your paycheck-to-spending transfer right

✨ Changing money mindsets (even when you feel “behind”)

✨ Creating steady income from side hustles – campers, Jeeps, and salon chairs, oh my!

This episode is a warm reminder that if you feel like you’re struggling just to stay on top of your budget—you’re not alone. Life is expensive, but that doesn’t mean you’re doing it wrong.

You’re learning. You’re adjusting. You’re moving forward. 🙌🏽

Whether you're starting over at 50, trying to untangle your biz finances, or figuring out how not to be broke every other week, we’re breaking it all down with compassion and clarity.

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

This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase!

394 | The Truth About Budgeting Apps: They’re Keeping You Stuck (Here’s How to Break Free)

Mon, 14 Apr 2025 10:04:00 -0400

Hey budget besties! 🧡

Whew, okay… buckle up because in this episode, we are coming in hot with a little budgeting truth bomb for y’all. 😅 If you’ve been using a budgeting app and still feel confused, broke, or like you’re spinning your wheels, you’re not alone—and it’s not your fault.

We’re getting real about why budgeting apps don’t work the way you think they do (spoiler: they’re trackers, not planners), and what you actually need to finally feel in control of your money.

In this episode, we break down:

🤯 Why budgeting apps are just glorified expense trackers (not real budgets)
⏳ How they keep you busy but not actually making progress
❌ The false sense of success that pretty pie charts give you
🚨 Why you keep saying “I’m doing all the things, but I still feel broke”
🔄 The power of setting up a system that does the work for you
💡 The difference between tracking where your money went vs. telling it where to go
✨ What budgeting with clarity, confidence, and freedom really looks like

What We Want You to Know:

A budget app won’t save your financial life. A system will.

When you follow our method, you’re not just making a plan—you’re putting it in motion automatically. No more wondering where your money went or feeling guilt-tripped by your own spending. With our budget system, your money actually moves to where it needs to go. Every. Single. Time.

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

This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase!

393 | Coaching Call with Lindsay: Tackling IRS Debt, Timeshares & Inconsistent Income

Fri, 11 Apr 2025 09:04:00 -0400

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:

💸 IRS debt vs. credit card debt—what should come first?
🧾 How to make payments feel doable and stop decision fatigue in its tracks.
🏦 Setting up a holding account to make irregular income feel consistent.
🛑 Why stopping the use of credit is key to long-term progress.
🧠 Understanding what your life insurance is actually doing for you.
🏖️ Timeshares—do we love 'em, hate 'em, or just help you get outta them?
📊 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

This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase!

392 | A Perfect(ish) Chat About Time, Money & Ditching the Holiday Hangover

Wed, 09 Apr 2025 10:04:00 -0400

Hey budget besties! 💸 We’re back with a replay of one of our faves—a fun, real, and ridiculously helpful convo with our girl Kali from the Perfect-ish Podcast. We got together to talk about that post-holiday money fog (aka the holiday hangover), and how to kick off 2025 with clarity, confidence, and a budget system that actually works. 🎉

Whether your receipts are still crumpled at the bottom of your purse or you're just ready to break the cycle of starting strong and fizzling out, this episode is packed with simple steps to help you finally feel in control of your time and money—without burnout, shame, or boring spreadsheets. 🙅‍♀️

Let’s talk separate spending accounts (yes, you can have more than one checking account), budgeting that runs automatically, and how to fund your life and your future—with room for coffee dates, family fun, and bougie gifts too. ✨

In this episode, we cover:

Why budgeting feels hard (and how to make it easier)
What a real budgeting system looks like
How to set up your money to manage itself (yes, really!)
The truth about unexpected expenses (spoiler: they’re not that unexpected)
How to create savings buckets for Christmas, car repairs, and the fun stuff too 🎁
Why being bougie on a budget is totally the vibe for 2025

Takeaway? You don’t need to restrict your life to get your money right. You just need a system that matches your lifestyle, your goals, and your values. Let’s do it together, bestie.

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

This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase!

391 | Cash Stuffing, But Make It Digital: Auto Transfers Instead of Cash Envelopes

Mon, 07 Apr 2025 13:04:52 -0400

Cash stuffing is cute and all — we see the TikToks too 👀 — and while we do love the intention behind it, we also know a lot of us don’t have time (or the desire) to carry cash everywhere.

In this episode, Shana and Vanessa are breaking down the why behind the popularity of cash stuffing — the visual appeal, the sense of control, the fun little binders (we see you, stationery girlies 💅) — and giving you a level-up version that works for your real life.

✨ Introducing: Digital Cash Stuffing

Yep, same concept, same budgeting structure, but done with your bank app. You’ll learn how to:

Set up multiple bank accounts as your digital envelopes
Rename them (get creative — “Hawaii: I’m going surfing” is fully encouraged)
Use automatic transfers to make it all happen without lifting a finger
Watch your savings grow in real-time — especially in high-yield savings accounts 👏
Keep control of your spending buckets without needing to break a $20

Whether you’re saving for a volleyball tournament, a bougie vacation, or just your weekly groceries — we’ve got you. You can still have the same intentionality, accountability, and fun without the ATM runs.

This is budgeting for your busy, boss-level 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

This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase!

390 | Healing Your Money Story: How Shan Wright Found Peace Through Faith and Finances

Fri, 04 Apr 2025 10:04:00 -0400

Visit Shan's ⁠Website!⁠

Check out her podcast Holistic Moms!

Budget besties, you are not ready for the realness and healing in this one! 💸✨ We sat down with their friend Shan Wright, a holistic wellness coach, mama of four, and all-around truth-speaker, to talk about something we all wrestle with at some point: our relationship with the B word… yep, the budget.

Shan takes us through her powerful journey from full-on avoidance and anxiety to experiencing peace and partnership around money. She shares how childhood experiences, emotional baggage, and even spiritual healing shaped the way she saw money—and how she reprogrammed her mindset and rewrote her money story, with faith and accountability leading the way. 🙌

We dive into:

Why “just let your spouse handle it” isn’t the answer (even if they’re good at it!)
The connection between money wounds and anxiety
How reprogramming your brain literally works (hello, science AND scripture!)
The power of speaking truth over your finances—even when it feels like a lie
What it really looks like to do the heart work before the hard work 💛

This is for every bestie who’s ever thought, “I’m just not good with money” or “It’s too late to change.” Spoiler alert: it’s not too late, and you can do this.

🛠️ Two key takeaways:

Dig up the lies you believe about money and where they came from
Start speaking truth—God’s truth—over your finances and your future

✨ Want more Shan? Find her at theshanwright.com, check out her Facebook group for holistic moms, and listen to her podcast, Holistic Moms—she’s the real deal, y’all.

💬 Favorite Quotes:

“When you're letting your spouse handle all the money, it's like letting one parent do all the parenting.”
– Shana

“Obedience precedes the miracle. I didn’t know what would come from healing my finances—but I knew I needed to obey.”
– Shan

“The truth might sound like a lie at first. That’s how you know you're pulling out the old weeds.”
– Shan

📲 Let’s Be Social:

Hey budget besties—has money ever made you anxious? Did anything Shan said hit right where it hurts (in the best way)? DM us, or tag us in your biggest a-ha moments from this episode!

And remember: we don’t have to carry this alone. Financial healing is possible—and it can actually be fun when we do it together. ❤️‍🩹💵

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

This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase!

389 | Budgeting in Your Busy Era: How to Set It and Forget It (Yes, Really!)

Wed, 02 Apr 2025 10:04:00 -0400

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:

Automate your bills: One bills account + autopay = brain space saved
Automatically fund spending + savings: Schedule transfers for groceries, gas, and your savings buckets
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

This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase!

388 | How to Build Your April 2025 Budget (Without Forgetting the Easter Candy or Summer Camps!)

Mon, 31 Mar 2025 10:04:00 -0400

Budget besties… It’s time. 👏 April is charging in fast and we’re not letting it catch us off guard. In this episode, we’re making your April 2025 budget with you, step by step. Whether this is your first month finally sticking to a budget or you’ve been riding strong all year, we’re walking through every piece of the process—from closing out March to planning paycheck by paycheck.

This isn’t just a checklist—it’s a full-on mindset shift. Because real talk? Even we forget things like Halloween costumes sometimes (it happens!). These episodes are here to jog your memory, bring the energy, and get you feeling clear and confident about your money. 💰✨

Here’s what we walk through together:

✅ How to close out March the right way (and why it's non-negotiable)

✅ What to update: debt balances, minimums, phone bills (hello, surprise hikes)

✅ Setting up your April income and listing only the minimum debt payments

✅ Planning for bills with due dates—mortgage, daycare, Netflix, and everything in between

✅ Getting real about spending categories like gas, groceries, and pocket money

✅ Choosing your savings priorities (yep, summer’s around the corner ☀️)

✅ Month-specific stuff: Easter, birthdays, and even the random “Let’s get a dog!” spring purchases

✅ Using our signature Paycheck Plan to automate and simplify your entire budget

✅ Setting monthly goals that keep your momentum going—whether that’s paying off Chase with your tax refund or finally getting one paycheck ahead

You’ll leave this episode with a full game plan, and the confidence that you’re not missing a thing. So grab your template or open up your notes, hit pause when you need to, and let’s build that budget together.

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

This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase!

387 | How to Handle Biweekly Paychecks & Mortgage Confusion Without Losing Your Mind

Fri, 28 Mar 2025 09:04:00 -0400

In this super relatable lightning-round session, Shana and Vanessa walk Kathleen through the budget fog that so many of us have faced—especially when it comes to biweekly paychecks and split mortgage payments. Spoiler: it’s not just you... this stuff gets confusing real fast!

💸 What We Covered:

The truth about biweekly pay & mortgage schedules: Kathleen was struggling to figure out why her budget felt so wonky every month. Some months have two paychecks, some three. Same with her mortgage. That inconsistency? Totally throwing off her budget game.
Why split mortgage payments aren’t always helpful: Even though paying every two weeks sounds like a great strategy to save on interest, the chaos it causes in budgeting can outweigh the benefits. The solution? Switch to a once-a-month mortgage payment to simplify everything.
Budgeting with a plan—not confusion: Shana and Vanessa showed Kathleen how to treat the paycheck she gets at the end of the month as the starting point for the next month’s budget. That January 29th paycheck? That’s February money, baby.
What to do with “extra” paychecks: Yes, you get two “bonus” paychecks a year, but they’re not fully extra. You still gotta eat and drive, so don’t throw it all at debt before covering those basics. But what’s leftover? That’s your debt-slaying snowball. ❄️💥
Mental vs. physical budgeting work: Kathleen’s doing the emotional work (redefining what happiness means, recognizing spending patterns), and now it’s time to match that with a budget that gives her clarity and control. 🙌

🔥 Bestie Takeaways:

You're not bad at math—you're just stuck in a confusing system.
Consistency in your bills = clarity in your budget.
Get on a paycheck-ahead system so you’re planning before the month begins, not scrambling during.
Let’s not rely on “extra” money showing up—we build the plan, we decide when to make those extra payments.
Feeling guilty about spending? Let’s kick that out. Budgeted spending is empowered spending.

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

This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase!

386 | Budgeting Without the Baggage: Fun, Freedom & Finances with Your Budget Besties

Wed, 26 Mar 2025 09:04:00 -0400

Hey Budget Besties! 👋 We’re throwing it back to one of our favorite convos with our girl Tracy Hoth over on The Organized Coach Podcast. If the words “budget” and “finances” make you wanna hit pause, stick with us—we’re making it fun, shame-free, and maybe even a little bougie. 💅

In this episode, we chat with Tracy about:

Our journey from church friends to business besties (with a budget twist!)
How we tripled our podcast growth by going extra (yes, we do three episodes a week 🙈)
The real reason people struggle with budgeting (spoiler: it’s not just the numbers)
How we took the envelope system digital and made budgeting beautiful
What it means to be bougie on a budget—yes, you can have your PSL and still pay off debt ☕💸
Our no-shame, all-gain system for organizing your money in a way that feels good and actually works

We’re sharing how our clients go from “I don’t know where my money is going” to “We just saved $20K in six months,” and why financial clarity is the ultimate flex.

💻 Want to know more about our personalized budget templates, group coaching, or our six-month coaching packages? This episode gives you a peek into the magic of working with us.

No more financial overwhelm. Just systems, simplicity, and space to dream a little bigger.

4 Ways To Connect With Us:

1️⃣ FREE CALL: Book your FREE 20-Minute Financial Coaching Call now! Get personalized advice and start your financial journey ➡︎ https://www.budgetbesties.com/freecall

2️⃣ FACEBOOK: Become part of our Supportive Facebook Group. Connect, share, and learn with others mastering their budget skills ➡︎ https://www.budgetbesties.com/facebook

3️⃣ BUDGET: Grab our Signature Budget Template! It's your key to organizing and optimizing your finances effectively ➡︎ https://budgetbesties.com/budget

This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase!

385 | The 5 Budgeting Basics That Make Money Management Easy—Without Tracking Every Expense

Mon, 24 Mar 2025 10:06:00 -0400

Feel like budgeting means giving up your coffee runs, tracking every dollar, or living on beans and rice? Think again. In this episode, we’re breaking down the 5 budgeting basics that work for every budget—whether you're just starting out, living on irregular income, or totally overwhelmed by the idea of budgeting.

We’ll show you how to create a simple, effective budget without obsessively tracking every expense or using complicated apps. This is a stress-free, no-shame guide to managing your money in a way that’s clear, empowering, and actually doable—no matter your income, lifestyle, or past budgeting fails.

If you’ve ever said, “I just don’t know where my money goes,” or “I don’t even know where to start,” this episode is for you.

💬 What You’ll Learn:

The 5 essential parts of any budget (in plain English)
How to budget with irregular income or multiple income streams
Why you don’t have to track every expense to be successful
How to set up a budget that gives you clarity, peace, and flexibility
Real-life examples and mindset shifts that make budgeting feel doable

This is budgeting without the overwhelm—progress over perfection, grace over guilt. Let's simplify your money and set you up for long-term financial peace. 💛

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

This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase!

384 | How to Use Your Tax Refund to Get Ahead: Pay Bills, Build Savings, and Get Out of Debt with Semajh

Fri, 21 Mar 2025 10:05:00 -0400

Budget Besties, we’ve got a treat for you! Meet Semajh—a 29-year-old child of God, self-proclaimed America’s Sweetheart, and a man on a mission to afford (not just buy!) 300 luxury cotton pajamas. Yes, he knows his Pima from his Supima, and yes—he’s doing it the bougie and budget-savvy way.

In this hilarious and heartfelt episode, Semajh walks us through his journey from struggling with a clunky budgeting app to discovering a system that actually works for real life. He’s getting ahead on his bills, setting up buckets (from “New Teeth” to “10% and Then Some”), and feeling what it’s like to truly trust his budget.

We chat about:

Why separate accounts are everything 👏🏽
How to break free from the paycheck-to-paycheck grind
Making room for joy (and pajamas!) without breaking your budget
The plan to reclaim 24% of his income from debt
And why he’s holding out on that dental discount—with purpose

Semajh reminds us all: budgeting isn’t about deprivation. It’s about alignment. His confidence, clarity, and commitment to doing things differently? Pure inspiration.

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

This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase!

383 | Lessons From the Sessions: Rental Property or Money Pit, How To Budget Your Bonus, Debt Payoff Decisions & Vacation Costs

Wed, 19 Mar 2025 10:04:00 -0400

Budget besties, we’re back with another round of Lessons from the Sessions—real-life money wins, dilemmas, and breakthroughs straight from our coaching calls!

This week, we’re diving into:

✨ Rental property reality check—Is it truly making you money or just draining your budget?

✨ Inconsistent income budgeting—How to set up an income holding account so you’re never short on cash.

✨ Big bonuses, big decisions—How to make smart moves with large lump sums instead of letting them sit (or disappear).

✨ The illusion of a "cheap" vacation—Spoiler alert: Staying with family doesn’t mean a free trip. Let’s budget wisely!

No fluff, just real financial strategy that helps you keep more money in your pocket and stress off your plate. Let’s get into it! 🎧💰

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

This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase!

382 | 7 Budgeting Methods Explained: What Works & What Doesn’t (Zero-Based, Cash Envelopes, Cash Stuffing, 50/30/20, Paycheck Budgeting, FIRE, & More)

Mon, 17 Mar 2025 10:04:00 -0400

Hey, budget besties! In this episode, we’re diving deep into seven popular budgeting methods—and let’s just say, we have thoughts. 😏 You’ve probably heard of things like zero-based budgeting, cash stuffing, the 50/30/20 rule, and the FIRE method—but are they really the best ways to manage your money? We’re breaking them all down, giving you the real talk on what works, what doesn’t, and why our budgeting system is the ultimate game-changer.

Here’s what we’re covering:

💰 Paycheck Planning – Why assigning bills to each paycheck keeps you stuck in the paycheck-to-paycheck cycle.

🔥 Zero-Based Budgeting – Great in theory, but do you really have to feel broke every month? (Spoiler: No.)

📊 50/30/20 Rule – Sounds cute, but is it actually realistic? We have questions.

💵 Cash Envelopes – A classic, but we’re in a digital world, and we have a better way.

🚀 FIRE (Financial Independence, Retire Early) – Love the vision, but maybe let’s not sacrifice everything fun?

🧐 Tracking Expenses – Let’s be clear: this is NOT budgeting, and we’re here to tell you why.

🙈 No Budget (a.k.a. The Hope & Pray Method) – If this is you, it’s okay, we still love you—but we gotta talk.

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

Snag Our Simplified Budget System with Lauren's discount!

This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase!

381 | How One Mom Paid Off $50K in Debt and Paid Cash for College & Christmas—By Ditching Excel for a Simple Budget System!

Fri, 14 Mar 2025 10:04:00 -0400

🚀 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

This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase!

380 | Travel Sports Are Expensive! Here’s How to Afford Them (Budgeting for Sports, Travel Sports Costs)

Wed, 12 Mar 2025 10:04:00 -0400

🚨 Travel sports are EXPENSIVE. 🚨 They’re eating up your budget—and we get it, because we’re right there with you! But instead of feeling blindsided by all the unexpected costs, let’s make a plan to budget for travel sports the right way—so you can enjoy the experience without the financial stress!

🎯 Grab our free Travel Sports Budget Worksheet at budgetbesties.com/sports and start planning today!

💡 What You'll Learn in This Episode:

✅ The true cost of travel sports (spoiler: it’s more than just team fees!)

✅ How to stop being surprised by unexpected expenses

✅ The best way to plan & save for sports costs all year long

✅ Tips to cut costs and make travel sports more affordable

✅ How to get your kids involved in funding their own sports expenses

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

This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase!

379 | Lessons from the Sessions: The Hidden Costs of Moving, Budgeting for Career Changes, and Avoiding Debt Traps Like Tool Loans

Mon, 10 Mar 2025 10:04:00 -0400

It’s time for another Lessons from the Sessions episode! 🙌 In this series, we take real-life situations from our private coaching clients and bring them straight to YOU so you can learn, apply, and make progress with your finances.

💡 What You'll Learn in This Episode:

✅ How a young couple stopped relying on debt to pay for work tools

✅ Why creating a mock budget before making big life changes is a game-changer

✅ The moving budget blueprint to avoid surprise expenses

✅ A simple savings strategy to break the cycle of stress when big bills come due

✅ How to make your money feel steady instead of a roller coaster 🎢

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

This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase!

378 | Stop Saying ‘I Don’t Have Time’—Here’s How to Find It with Carrie Lupoli

Fri, 07 Mar 2025 11:04:00 -0400

Budget besties, this episode is for all of us who feel like we're constantly running out of time and money (aka everyone?!). We’re hanging out with our friend, fellow pink-lover, and time management queen, Carrie Lupoli! She’s breaking down how to get more intentional with our time, reduce stress, and even save money in the process. Spoiler: It's not about getting more hours in a day (because, yeah, we all get 168). It’s about using them better.

Carrie is a nutritionist, business owner, and time management expert who helps women get their schedules under control so they can live with less stress and more intention!

What We’re Talking About Today:

✨ Why time is like liquid—and how to control it instead of letting it control you
⏳ The simple trick to stop feeling always busy
📅 How to actually plan your week so you get things done without burning out
🌮 Why meal planning is basically a money-saving superpower
💡 The one thing every woman needs in her morning routine (seriously, don’t skip this!)
💰 How being intentional with your time helps your finances, too

Favorite Takeaways:

📝 Brain dump your week—Once you see where your time really goes, you’ll be shocked at what you can reclaim.
🛑 Plan for margin—Back-to-back schedules set you up for failure. Give yourself breathing room!
🎯 Three big rocks per day—Not 37. Not 10. Just three.
⏰ Morning time is non-negotiable—Think of it as wiping off yesterday’s “bird poop” (you have to hear this analogy!).

If you’ve ever said “I don’t have time” while also wondering where the week went, this episode is a game-changer. Listen in, take notes, and let’s take back our time and our money, one intentional step at a time!

Find Carrie & Start Your Morning Time Right:

📲 Follow her on Instagram: @Carrie_Lupoli
🎥 Join her live every morning at 6:45 AM ET for daily declarations & mindset shifts

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

This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase!

377 | Simple Budget Shortcuts for Busy Moms Juggling It All

Wed, 05 Mar 2025 12:15:26 -0400

Moms, we see you juggling a million things—work, kids, school drop-offs, sports, meal planning… the list never ends! 😅 The last thing you need is a complicated budget adding stress to your life.

In today’s episode, we’re sharing simple, time-saving budget shortcuts that will help you:

✅ Avoid overspending (even on groceries!)

✅ Automate your bills so you never miss a payment

✅ Plan for your kid’s surprise expenses (because they always pop up!)

✅ Use your bank accounts to do the budgeting for you

✅ Set up systems that make your money run on autopilot

With these hacks, you’ll know exactly where your money is going—without constantly tracking transactions or crunching numbers in your head at the checkout line!

💡 Top Budgeting Shortcuts from the Episode:

🔹 Separate your accounts – One for bills, one for spending. No more guessing if your bills are covered!

🔹 Automate EVERYTHING – Your income, bills, and savings should all be happening without you having to lift a finger.

🔹 Plan for kid expenses – Field trips, birthday gifts, and snacks are not surprises. Build them into the budget!

🔹 Set up grocery orders & Amazon Subscribe & Save – Less time shopping, more time doing literally anything else.

🔹 Have a restaurant budget – Because let’s be real, there will be drive-thrus in your future. Plan for them!

🔹 Use a Snacker Box for sports & school – A game-changer for on-the-go eating (and avoiding impulse snack stops!).

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

This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase!

376 | Breaking Free: How to Ditch Debt and Make Stay-at-Home Mom Life a Reality with Maegan

Tue, 04 Mar 2025 12:22:32 -0400

Hey Besties! 👋 Today’s episode is all about balancing a growing family, budgeting for big goals, and figuring out the path to financial freedom. Our guest Megan is a mom of SIX (yes, six!), working full-time while trying to pay off debt, stick to a grocery budget, and make her dream of staying home with her kids a reality. If you've ever felt like your budget is just not budgeting, this episode is for you.

💡 What You’ll Hear in This Episode:

✨ How to budget when your income fluctuates from month to month.

✨ The key to setting up bank accounts that force you to stick to your budget (especially for groceries!).

✨ Why making a budget on your lowest income month can save you major stress.

✨ How to prep financially for big family events (like a quinceañera!) without derailing your money goals.

✨ Simple side hustle ideas for busy parents who don’t have a lot of extra time.

✨ How to create a clear, realistic plan to pay off debt and finally start saving.

Megan’s story is so relatable—she’s juggling it all and trying to make smart financial decisions that will set her family up for success. If you’ve ever struggled with food budgeting, paying off debt, or making a big financial change, you’ll walk away from this episode with real, actionable steps to get on track!

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

This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase!

375 | Reclaiming Financial Independence: How to Take Control After Financial Betrayal with Candice

Fri, 28 Feb 2025 11:04:00 -0400

Hey Besties! 👋 Today’s episode is a powerful one. We’re sitting down with Candace, an incredibly strong and inspiring woman who’s on a journey to take back control of her finances after years of letting others manage them. If you’ve ever felt overwhelmed, afraid to look at your numbers, or unsure of where to even start—this conversation is for you.

💡 What You’ll Hear in This Episode:

✨ The emotional and mental challenges of stepping into financial independence.

✨ Why not knowing your numbers is scarier than facing them head-on.

✨ How to separate business and personal finances (without the stress).

✨ What to do when life knocks you down—and how to rise again, stronger than ever.

✨ The importance of setting a budget, even when living off savings, to give yourself a roadmap.

✨ How to shift from survival mode to a plan for growth and financial stability.

Candace’s story is one of resilience, rebuilding, and taking back power over her life and finances. If you’ve ever felt like you don’t know where to start, this episode will give you the clarity and encouragement to take that first 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

This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase!

374 | Budgeting, but Make It Fun! (Replay from The Money Love Podcast)

Wed, 26 Feb 2025 11:04:00 -0400

Hey, Besties! 👋 We’re throwing it back to one of our favorite guest episodes with our friend Paige from The Money Love Podcast! If you’ve ever thought of budgeting as the dreaded "B-word" (👀), we’re here to change your mind.

💰 What We’re Talking About:

✨ Why traditional budgeting makes people shut down—and how to do it differently.

✨ The biggest mindset hurdles that keep people stuck (hint: “I should already know this” is a big one).

✨ How our Simplified Budget System takes the stress out of managing money—no more tracking every expense!

✨ The power of separating your accounts (seriously, your bank should be your personal assistant).

✨ Why “unexpected expenses” actually aren’t that unexpected—and how to plan for them.

✨ The secret to paying off debt while still enjoying life (yes, you can have your PSL and pay off debt too 😉).

If budgeting has ever felt restrictive, complicated, or just plain boring—this episode is a must-listen! 🎧 We’re all about making money work for your lifestyle without feeling like you’re stuck in a financial bootcamp.

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

This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase!

373 | Set Up Your March Budget With Us: A Step-by-Step Guide

Mon, 24 Feb 2025 11:04:00 -0400

Budget besties, can you believe it’s already March?! We’re feeling all the emotions—kids moving up grades, summer creeping up, and, of course, it’s time to roll into a brand-new budget. In this episode, we’re walking you through how to close out February and set up your March budget step by step. We’ll talk about income tracking (yes, that tax refund counts!), adjusting for fluctuating bills, planning for spring break, and making sure those savings buckets are ready for summer fun. Plus, we’re sharing some real client wins—like paying for vacations in cash, combining finances, and saying goodbye to credit card debt. Let’s get organized, make a plan, and have a stress-free March!

What You’ll Learn in This Episode:

💰 How to close out February’s budget properly

📅 Step-by-step breakdown of setting up March’s budget

🛑 The importance of tracking income, including side hustles & refunds

💡 How to handle fluctuating bills & unexpected expenses

💳 Why paying extra on debt should be part of your plan

🏖 Planning ahead for summer & spring break expenses

💸 How one client is funding their vacation completely in cash (game changer!)

🚗 Saving for big purchases—like that new car—without feeling overwhelmed

Budget Bestie Wins We’re Celebrating:

🎉 A client paying off student loans with a work bonus

🎉 A family paying cash for their entire spring break trip for the first time ever

🎉 A couple combining finances (without financial stress)

🎉 A debt-free client now saving for a new truck & dream vacations

Ready to Make March Your Best Budget Month Yet?

If you don’t have a budgeting system yet, now’s the time to get one in place! We love our Simplified Budget System because it makes planning so much easier. And if you need help figuring it all out, reach out—we’ve got 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

This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase!

372 | Automate Your Budget & Eliminate Financial Stress!

Fri, 21 Feb 2025 11:04:00 -0400

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

This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase!

371 | Savings Buckets 101: The Best Way to Plan for Unexpected Expenses

Wed, 19 Feb 2025 11:04:00 -0400

Budget Besties, listen up! 💰✨ We’ve made it to the final (and arguably most exciting) piece of your budget puzzle—SAVINGS BUCKETS! 🎉

You know those “unexpected” expenses that pop up and throw your whole budget into chaos? Yeah… we’re about to eliminate them for GOOD. 🚫💥

In this episode, we’re breaking down:

✅ What savings buckets are and why they’re game-changing

✅ How to plan and fund them (so you never scramble for cash again)

✅ How to automate your savings so it’s effortless

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

This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase!

370 | How to Plan Your Spending in Your Budget (Without Overcomplicating It!)

Mon, 17 Feb 2025 11:04:00 -0400

Hey, Budget Besties! 💸✨ Ready to talk about the part of budgeting that actually impacts your daily life? We’re diving into spending—how to set up a plan that gives you freedom, confidence, and guilt-free swiping. 🎉

This episode is all about:

✅ Making a plan for your spending (instead of letting your bank account decide for you)

✅ Why budgeting isn’t restrictive—it’s about permission to enjoy your money

✅ How to organize your spending accounts so you never wonder, "Can I afford this?"

🚨 You don’t know exactly how much money you have to spend

🚨 You’re constantly transferring money between accounts (or swiping a credit card)

🚨 You’re left guessing if your bills will clear before payday

🚨 You feel guilty after shopping or eating out (hello, money regret!)

Sound familiar? You’re not alone. But we’ve got the fix. ⬇️

Step 1: Identify Your Spending Categories

💰 Gas & Groceries (The essentials—where you spend every week!)

💰 Personal Spending (Your judgment-free fun money—yes, Starbucks included!)

💰 Entertainment/Family Fun (Restaurants, movie nights, zoo trips—this keeps fun in the budget!)

💰 Kids (For all the little surprise expenses—school parties, field trips, activities, etc.)

💰 This Month’s Expenses (One-time things like haircuts, gifts, or unexpected doctor visits!)

👉 Pro Tip: If something happens every month, it’s spending. If it happens only a few times a year, it goes into savings buckets (which we’ll talk about next episode!).

Step 2: Set a Budget for Each Category

Go back 90 days and look at your actual spending. No made-up "I’ll only spend $100 on food" goals. Set realistic numbers based on real spending habits.

Step 3: Decide—Cash or Debit?

💳 Use debit cards if you prefer digital tracking (a.k.a. digital cash envelopes)

💵 Use cash if you struggle with overspending and need the hard limit

🛑 No more credit cards! (We’re done with that cycle.)

Step 4: Open Dedicated Spending Accounts

🎯 Each category gets its own checking account (or a labeled cash envelope)

🎯 Name your accounts for fun! (“Feed the Horde” for groceries, anyone? 😂)

🎯 Delete your bills account from spending platforms (No more accidental Target runs on your mortgage money!)

Step 5: Automate Your Transfers & Spend With Confidence

💰 On payday, automatically send your budgeted amount into each spending account

💰 Only spend from the correct account (NO MORE transferring money back & forth!)

💰 Enjoy spending—without guilt! 🎉

4 Ways To Connect With Us:

1️⃣ FREE CALL: Book your FREE 20-Minute Financial Coaching Call now! Get personalized advice and start your financial journey ➡︎ https://www.budgetbesties.com/freecall

2️⃣ FACEBOOK: Become part of our Supportive Facebook Group. Connect, share, and learn with others mastering their budget skills ➡︎ https://www.budgetbesties.com/facebook

3️⃣ BUDGET: Grab our Signature Budget Template! It's your key to organizing and optimizing your finances effectively ➡︎ https://budgetbesties.com/budget

This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase!

369 | Money Management Made Easy: The Automatic Bills System You Need For Your Budget

Fri, 14 Feb 2025 11:04:00 -0400

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

This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase!

368 | How to Pay Off Debt (Without Hating Your Life)

Wed, 12 Feb 2025 11:04:00 -0400

Hey, Budget Besties! 👋 Ready toditch debt without giving up your Starbucks, date nights, or vacations? We’re here to show you how topay off debt in a way that actually works—without feeling like you’re in financial prison. 🥳

💰 Your money should be funding your future,not paying for your past
🚗 You get to beyour own bank—no more borrowing for big expenses
✈️ Vacations (paid in cash!) feelway better than ones that follow you home on a credit card bill
🛍️ You can stillenjoy your lifestyle while paying off debt—it just takes a plan!

1️⃣Set up your budget – Use our 5-categorysimple budget system to see exactly what you’re working with
2️⃣Ditch the credit cards – Cut them up, remove them from your accounts,goodbye temptation! ✂️
3️⃣List your debts – From smallest to largest, or by highest interest—whatever makes the most sense foryour situation
4️⃣Make payments on payday – No more waiting ‘til the end of the month (because that money will disappear, trust us)
5️⃣Celebrate your wins! – Starbucks, a fancy dinner, or upping your personal spending—reward yourself when you hit milestones 🎉

✔️Snowball Method – Pay off smallest debts first to build momentum
✔️Avalanche Method – Pay off high-interest debts first to save the most $$
✔️Minimum Payment Method – Focus on paying off debts with the highestmonthly payments to free up cash faster

4 Ways To Connect With Us:

1️⃣FREE CALL: Book your FREE 20-Minute Financial Coaching Call now! Get personalized advice and start your financial journey ➡︎https://www.budgetbesties.com/freecall

2️⃣FACEBOOK: Become part of our Supportive Facebook Group. Connect, share, and learn with others mastering their budget skills ➡︎https://www.budgetbesties.com/facebook

3️⃣BUDGET: Grab our Signature Budget Template! It's your key to organizing and optimizing your finances effectively ➡︎https://budgetbesties.com/budget

4️⃣COACHING: 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

This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase!

367 | How to Make a Budget: A Step-by-Step, One-Page Guide to Take Control of Your Money

Mon, 10 Feb 2025 13:21:46 -0400

Hey, Budget Besties! 👋 Let’s talk about what happens when youdon’t have a budget. Spoiler alert: It’snot pretty. 😬 We’ve got real-life stories (somecringe worthy) about what can go wrong when you’re just swiping your card and hoping for the best.

What Happens Without a Budget?

🚗 Paying for a car you don’t even own anymore (oops)
🍔 Spendingway more on eating out than you realized
📺 Paying for multiple subscriptions (because whoneeds two Netflix accounts?!)
💳 Constantly feeling like your money “disappears”

If this soundsa little too familiar, don’t worry—we’ve got you! 🙌

Signs You’re Budgeting Wrong:

❌ You check your bank account to see if you can afford something
❌ You “ballpark” your monthly expenses (and then wonder where your money went)
❌ You’re transferring money from savings just to make it to payday
❌ You’re tracking everythingafter it happens instead of having a plan

The Solution: A One-Page, Simple Budget

We break it all down into5 easy categories:
1️⃣Income – What’s coming in? List it all! 💰
2️⃣Debts – Thereal number you’re paying each month
3️⃣Bills – Anything with a due date goes here 📆
4️⃣Spending – Gas, groceries, pocket money, & everyday expenses
5️⃣Savings – Christmas, travel, car repairs...planned ahead so you don’t stress later 🎯

Pro Tip: Do a 90-Day Money Audit

Go back through your last3 months of transactions and see where your moneyactually went. No shame, justdata without the drama—so you can make a plan that works!

Budgeting doesn’t have to be boring or restrictive.It’s about telling your money what to do—so you can be bougieon purpose. 💃

4 Ways To Connect With Us:

1️⃣FREE CALL: Book your FREE 20-Minute Financial Coaching Call now! Get personalized advice and start your financial journey ➡︎https://www.budgetbesties.com/freecall

2️⃣FACEBOOK: Become part of our Supportive Facebook Group. Connect, share, and learn with others mastering their budget skills ➡︎https://www.budgetbesties.com/facebook

3️⃣BUDGET: Grab our Signature Budget Template! It's your key to organizing and optimizing your finances effectively ➡︎https://budgetbesties.com/budget

4️⃣COACHING: 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

Sign up for the FREE Profitable Podcast Bootcamp⁠

This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase!

Bonus: The Coaching Program That Skyrocketed Our Podcast (and Business!)

Sat, 08 Feb 2025 17:46:37 -0400

We’re pulling back the curtain today and giving you thereal behind-the-scenes story of our podcast journey—how we went fromsporadically recording episodes that no one listened to… tobuilding a top-ranked podcast that drives our entire business.

And, besties, it’s all because ofStef Gass and Podcast to Profit.

We were totallylost before we found her. We had been podcasting fortwo years with no real strategy—just throwing out episodes when we had five extra minutes (which, let’s be honest, wasn’t often). Our business feltstagnant, and we weredesperate for a system that actually worked.

That’s when we foundStef and her system—and WOW. Within six months of implementing what she taught us, we:
✅ Went from4,600 downloads → over 540,000
✅ Increased our monthly revenue from$6K → $20K
✅ Built a course that’s now brought in$45K+ in passive income
✅ Grew our email list from160 → 2,122 subscribers
✅ Jumped fromunranked to a Top 1% podcast

And the best part?It’s all still working. Two years after we first began working with her, we'll hit 1,000,000 plays!

Now, we’re telling you this becauseyou can learn from Stef for FREE. 🎉 She’s hosting a5-day Profitable Podcast Bootcamp where she’s giving awayher best strategies for growing a podcast, getting clients, and making passive income—without social media burnout.

This bootcamp isTHE place to start if you’ve been thinking about launching or growing a podcast. Plus, she’s giving away$10,000 in scholarships!

📅 Join us LIVE February 24-28 at 11 AM MST.
Sign up here → https://stefaniegass.com/bootcampbudgetbesties

We’ll be in the chat, and wecannot wait to see you there!

📩Links & Resources

Sign up for the FREE Profitable Podcast Bootcamp
Connect with us on Instagram →@BudgetBesties
Check out our coaching & resources →budgetbesties.com

366 | How to Build Financially Confident Kids (Without the Entitlement!) with Julia Myers

Fri, 07 Feb 2025 11:04:00 -0400

Budget besties, you are in for a treat! Today, we’re bringing on our actual good friend, the wise, wonderful, and always inspiringJulia Meyers to talk aboutGenerational Wisdom—because let’s be real, passing down money means nothing if we’re not passing down the knowledge to manage it.

Julia is an accomplished healthcare leader, mom of five (yes, FIVE!), and a recovering perfectionist. She’s been recognized nationally for her work in medication access, but her true passion? Helping families build financial confidence and break the cycle of lost generational wealth.

We’re unpacking:
💡 Whygenerational wealth isn’t the right term (and what to focus on instead)
🧠 The shocking stats on why most inherited money disappears (yikes!)
🗣 How to start real, impactful money convos with your kids
🛠 Practical ways to build financial confidence in the next generation
📊 TheGenerational Wisdom Discernment Quadrant (this is a game-changer, y’all)

And because Julia is the best, she’s sharing a FREE resource with you: atwo-week mini course with conversation starters to help you talk money with your kids (in a way that won’t make them roll their eyes). Grab it atJuliaMeyers.com/talk.

If you’ve ever worried about raising entitled kids or wondered how to truly prepare them for financial independence—this episode is for you!

4 Ways To Connect With Us:

1️⃣FREE CALL: Book your FREE 20-Minute Financial Coaching Call now! Get personalized advice and start your financial journey ➡︎https://www.budgetbesties.com/freecall

2️⃣FACEBOOK: Become part of our Supportive Facebook Group. Connect, share, and learn with others mastering their budget skills ➡︎https://www.budgetbesties.com/facebook

3️⃣BUDGET: Grab our Signature Budget Template! It's your key to organizing and optimizing your finances effectively ➡︎https://budgetbesties.com/budget

4️⃣COACHING: 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

This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase!

365 | Simplifying Your Finances with Anna from It’s Time to Simplify!

Wed, 05 Feb 2025 11:04:00 -0400

Hey Besties! 👋 We’re bringing back one of our favorite conversations with our friend Anna from It’s Time to Simplify! If you’ve ever felt like budgeting is overwhelming, this episode is for you. We’re diving into simple, practical ways to take control of your finances without spending hours at the kitchen table with a calculator (because who has time for that?).

✅ How we built a business around our real schedules (aka: kids, sports, and Uber Mom life 🚗)
✅ Why separating your bank accounts can make budgeting SO much easier
✅ The personal finance version of Profit First (and why it works for entrepreneurs & 9-to-5ers alike!)
✅ Why you DON’T need to track every expense if you set up your finances the right way
✅ One simple step you can take this week to start simplifying your money

💰 Spoiler Alert: The key to stress-free budgeting is automation + separate spending accounts. Sounds too easy? Trust us—it’s a game changer!

4 Ways To Connect With Us:

1️⃣ FREE CALL: Book your FREE 20-Minute Financial Coaching Call now! Get personalized advice and start your financial journey ➡︎ https://www.budgetbesties.com/freecall

2️⃣ FACEBOOK: Become part of our Supportive Facebook Group. Connect, share, and learn with others mastering their budget skills ➡︎ https://www.budgetbesties.com/facebook

3️⃣ BUDGET: Grab our Signature Budget Template! It's your key to organizing and optimizing your finances effectively ➡︎ https://budgetbesties.com/budget

This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase!

364 | Five-Minute Budget Fixes for Quick Wins!

Mon, 03 Feb 2025 11:04:00 -0400

Budget besties, do you ever feel like budgeting takes forever? Like, who has time for that when life is already a whirlwind? Well, good news: we've got five quick and fun budget fixes you can do in just five minutes—because who doesn’t love a quick win? 💃

Sometimes, making small changes adds up big time. So, whether you're waiting in car line, chilling on your lunch break, or standing in line for coffee, you can start making smarter money moves right now!

1️⃣ Rename Your Bank Accounts – A little name change can make a big difference. "Emily’s Wedding 2026" hits different when you think about using it for takeout, right? Create fun, clear labels to keep your savings on track.
2️⃣ Delete Saved Credit Cards – If you have to get up off the couch to grab your card, are you really still buying it? Add friction to impulse spending by removing saved payment methods from Amazon, Venmo, and anywhere else that tempts you.
3️⃣ Hide Your Savings Accounts – Out of sight, out of mind! If you’re not seeing your savings every time you log into your bank app, you’re less likely to think of it as extra spending money.
4️⃣ Use Notes on Transfers – This is a game changer! Add a note every time you transfer money so you remember exactly what it was for. Future you will thank you. 🙌
5️⃣ Delete Shopping Apps – Amazon, Target, Lululemon, PayPal… if it’s on your phone, it’s too easy to spend. Take them off your home screen and make yourself be more intentional with purchases.

💡 Bonus Tip: If you have your debit card number memorized (we see you!), get a new card so you can un-memorize it. You’re welcome. 😆

4 Ways To Connect With Us:

1️⃣ FREE CALL: Book your FREE 20-Minute Financial Coaching Call now! Get personalized advice and start your financial journey ➡︎ https://www.budgetbesties.com/freecall

2️⃣ FACEBOOK: Become part of our Supportive Facebook Group. Connect, share, and learn with others mastering their budget skills ➡︎ https://www.budgetbesties.com/facebook

3️⃣ BUDGET: Grab our Signature Budget Template! It's your key to organizing and optimizing your finances effectively ➡︎ https://budgetbesties.com/budget

This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase!

363 | Mastering Your Budget & Getting a Paycheck Ahead with Mary Ellen

Fri, 31 Jan 2025 11:04:00 -0400

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

This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase!

362 | Financial Coaching Explained: The Personal Trainer for Your Money

Wed, 29 Jan 2025 11:04:00 -0400

Budget Besties, we see you. You’ve got questions about financial coaching, and we’ve got answers! This episode is your go-to guide for everything you need to know before jumping in.

We’re breaking down:

✅ What financial coaching actually is (spoiler: no judgment, just results!)

✅ Who coaching is for (hint: if you make good money but still feel stuck, this is for YOU)

✅ How our coaching works (think: a done-for-you budget system + two 45-minute sessions a month + unlimited text and email support)

✅ Whether you have to give up your pumpkin spice lattes (you don’t)

✅ What if your spouse isn’t on board? (We got you.)

✅ How to fit coaching into your busy schedule

✅ And so much more!

Oh, and if you think you're bad at math? Don’t worry, we’re not. 😆 We bring the calculators, the spreadsheets, and the game plan—so you can focus on finally making progress with your money.

So grab your coffee (or a glass of wine, like some of our fave clients), hit play, and let’s get your financial questions answered once and for all! 🎧💰

4 Ways To Connect With Us:

1️⃣ FREE CALL: Book your FREE 20-Minute Financial Coaching Call now! Get personalized advice and start your financial journey ➡︎ https://www.budgetbesties.com/freecall

2️⃣ FACEBOOK: Become part of our Supportive Facebook Group. Connect, share, and learn with others mastering their budget skills ➡︎ https://www.budgetbesties.com/facebook

3️⃣ BUDGET: Grab our Signature Budget Template! It's your key to organizing and optimizing your finances effectively ➡︎ https://budgetbesties.com/budget

4️⃣ COACHING: Ready to dive deep into your finances? Sign up for 1-on-1 or Group Financial Coaching. It’s the accountability and guidance you need to make real progress ➡︎ https://budgetbesties.com/coaching

This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase!

361 | Setting Up a Budget for February: A Fresh Start!

Mon, 27 Jan 2025 11:04:00 -0400

Can you believe it's already February? We’re kicking off the second month of 2025 with a reset—because let’s be real, January is often a bit of a recovery month after the holidays. In this episode, Shana and Vanessa guide you through the process of closing out January and setting up a fresh budget for February. They walk you through the steps of reviewing your income, debts, bills, spending, and savings so you can hit the ground running this month.

From paying off debt to planning for upcoming expenses like vacations and sports, they share practical tips and systems to keep your finances consistent, clear, and in control. If you’ve been feeling a little “January hangover,” it’s time to reset and get those money goals back on track!

What We Cover in This Episode:

Closing Out January: Wrap up the month by checking your bills, tracking any changes, and ensuring everything was paid correctly.

Adjusting for February: Look ahead to your February income and tweak your budget for any upcoming changes.

Debt & Bills: Start by listing out your debt minimums and recurring bills—then check for any price changes or new subscriptions.

Cutting Costs: A perfect time to revisit your subscriptions (hello, gym memberships you’re not using!) and find savings where you can.

Spending: Make sure your spending categories (groceries, gas, pocket money) are realistic and updated based on the month.

Savings Buckets: If you have any leftover funds, consider how to allocate them for future purchases like travel, home repairs, or those bigger expenses that sneak up on us!

Setting Transfers: Plan your transfers by paycheck so that everything is automated and consistent throughout the month.

Goal Setting: February is the perfect time to revisit your goals—whether you’re saving for a vacation or paying off credit cards, make sure it’s in the budget!

4 Ways To Connect With Us:

1️⃣ FREE CALL: Book your FREE 20-Minute Financial Coaching Call now! Get personalized advice and start your financial journey ➡︎ https://www.budgetbesties.com/freecall

2️⃣ FACEBOOK: Become part of our Supportive Facebook Group. Connect, share, and learn with others mastering their budget skills ➡︎ https://www.budgetbesties.com/facebook

3️⃣ BUDGET: Grab our Signature Budget Template! It's your key to organizing and optimizing your finances effectively ➡︎ https://budgetbesties.com/budget

This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase!

360 | Getting Your Finances Aligned as a Team: Megan’s Journey to Budget Clarity

Fri, 24 Jan 2025 11:05:00 -0400

In today’s episode, we welcome Megan, a busy mom, teacher, and wife, navigating the rollercoaster of combining finances with her freelance husband. Like so many of us, Megan and her husband have been managing their finances separately—but now, with a mortgage, two kids, and irregular income to juggle, it’s time to build a system that works together.

We walk Megan through actionable steps to create a simple and streamlined budget system that eliminates stress, provides clarity, and empowers her to plan for the unexpected. From setting up baseline budgets to creating holding accounts for irregular income, this episode is packed with practical advice to help couples like Megan and her husband get on the same financial page.

We also talk about the emotional side of money—how budgeting together can strengthen communication, reduce financial tension, and even bring a renewed sense of teamwork to a marriage. Whether you're trying to budget with irregular income or looking for a system that keeps finances clear and consistent, this episode has something for you!

What We Cover in This Episode:

Why managing money separately as a married couple can feel like you're spinning your wheels.
How to set up a "holding account" to smooth out irregular income months.
The importance of creating a baseline budget to understand what your family truly costs each month.
Dividing up spending categories like groceries and personal fun money to keep things simple and stress-free.
Tips for starting the budget conversation with your partner in a warm and positive way.
Why combining finances doesn’t mean combining credit (and how to ease money fears when credit histories differ).
How budgeting as a team can strengthen your marriage and help you dream bigger.

4 Ways To Connect With Us:

1️⃣ FREE CALL: Book your FREE 20-Minute Financial Coaching Call now! Get personalized advice and start your financial journey ➡︎ https://www.budgetbesties.com/freecall

2️⃣ FACEBOOK: Become part of our Supportive Facebook Group. Connect, share, and learn with others mastering their budget skills ➡︎ https://www.budgetbesties.com/facebook

3️⃣ BUDGET: Grab our Signature Budget Template! It's your key to organizing and optimizing your finances effectively ➡︎ https://budgetbesties.com/budget

This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase!

359 | Turning Money Chaos into Calm: Lessons from Real-Life Financial Wins

Wed, 22 Jan 2025 16:29:28 -0400

Hey budget besties! 💸✨ We are back with a jam-packed episode full of real-life lessons straight from our coaching sessions. We’re talking about messy money habits, breaking down walls, and building a system that brings peace (and maybe even a little joy) to your finances. Let’s dive in!

It’s Not You vs. Them – It’s Us vs. the Problem
- One couple kept their finances separate for years due to finger-pointing and money shame. Spending accusations, lack of tracking, and no clear goals had them stuck. 💔
- Once we explained the power of teamwork and combined resources, they started seeing their money as a tool to build their dream (hello, future house 🏡). Spoiler alert: they’re bringing their money together and creating a shared vision. 🎉
Permission to Spend ≠ Permission to Stress
- That’s right—when you create a plan for your money, no more blaming each other for what you spend on.
- Example: She bought a cute hanging chair for her daughter’s room; he spent on golf. Both happy. Both stress-free. Why? Because the bills and savings were already covered. 🙌
Sacrifice Now, Flourish Later
- One client canceled a beloved annual family trip because it didn’t fit into their savings timeline. Instead of going into debt (again), they chose to skip this year, fund their savings buckets, and be set for next year—all in cash. 🚀
- Imagine never stressing about vacations again. That’s long-term peace, y’all!
The Power of Saying No
- From skipping playdates because the spending budget was maxed to packing snacks at volleyball tournaments instead of eating out—these little “no’s” make room for bigger “yes’s” down the line. 💪
- Breaking the mold of “normal spending” feels uncomfortable at first, but normal is broke and we’re here to be anything but!
Every Dollar Has a Job
- One couple saw “extra money” in their bills account and spent it—oops! Turns out, it was meant for debt. 🤦‍♀️
- Lesson: The second money lands in your account, give it a purpose. Move it to where it belongs! No loosey-goosey money here.
Systems Are the Secret Sauce
- From clients living paycheck-to-paycheck to those with feast-or-famine incomes (like quarterly bonuses), everyone needs a system.
- One client described their pre-coaching finances as being inside a Chuck E. Cheese money-grabbing game. 🎟️ Post-coaching? Automatic transfers, clear goals, and finally feeling in control of their finances. 🙌
Breaking the Cycle of “Keeping Up”
- Whether it’s a friend asking you to go out or family expecting you to live beyond your means, saying “no” can be empowering.
- By sticking to their budgets, our clients are becoming examples for others—proving you don’t need debt or overspending to live your best life. 🌟

4 Ways To Connect With Us:

1️⃣ FREE CALL: Book your FREE 20-Minute Financial Coaching Call now! Get personalized advice and start your financial journey ➡︎ https://www.budgetbesties.com/freecall

2️⃣ FACEBOOK: Become part of our Supportive Facebook Group. Connect, share, and learn with others mastering their budget skills ➡︎ https://www.budgetbesties.com/facebook

3️⃣ BUDGET: Grab our Signature Budget Template! It's your key to organizing and optimizing your finances effectively ➡︎ https://budgetbesties.com/budget

This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase!

358 | How to Talk About Money in Your Relationship: Healthy Conversations for Couples

Mon, 20 Jan 2025 11:05:00 -0400

Good morning, budget besties! 🥳 Today, Shana and Vanessa dive into a topic we all need to address: money and relationships. Whether it’s with your partner, kids, or even yourself, money conversations can feel like stepping into a minefield. But fear not—your budget besties are here to guide you through it! From scheduling money talks to involving the kiddos, we’re covering it all. By the end, you’ll feel ready to ditch the tension and start seeing money as a team tool for success.

Key Takeaways💑 Money & Your Partner:

Do it on purpose: Schedule intentional time to talk about finances—no more drive-by arguments in the kitchen! Start with just 12 money dates a year.
Watch your words: Use "we," "us," and "our" to frame the conversation as a shared mission. Skip “you” or “my” to avoid finger-pointing.
Start with the good stuff: Dream big! Revisit the goals you had as a couple—retirement, travel, buying a home—and let that excitement fuel the budgeting process.

Pro Tip: Bring data, not drama. Numbers don’t lie and help you stay objective while avoiding unnecessary emotional friction.

👩‍👧‍👦 Money & Your Kids:

Start young: Kids learn best by doing. Hand them financial responsibility in age-appropriate ways.
Set up a “kid budget”: Instead of an allowance, give them control of a set budget to cover their wants and needs (e.g., birthday gifts, field trips). Teach them to allocate their money wisely.
Speak positively: Avoid saying, "We can't afford that." Instead, say, "We’re choosing to save for this other awesome thing." This creates a positive mindset around money choices.

💡 Shana & Vanessa’s Three Big Tips:

Schedule the Talk: Make it a regular habit. A monthly check-in can help avoid surprises and build financial teamwork.
Choose Collaborative Language: “We” are in this together. Always.
Dream Big Together: Reconnect with those “why” moments—what’s the vision for your family? Use your goals to guide your spending and saving choices.

Why It Matters

Money doesn’t have to be a taboo topic—it’s just a tool. When used intentionally, it can strengthen relationships, set your family up for success, and even be a source of joy. The goal isn’t to avoid these conversations; it’s to make them empowering and productive.

Ready to tackle 2025 as a team? Let’s dream big and crush those goals, besties! 💪✨

Share Your Wins!

What’s the first financial goal you’ll tackle together? Let us know in the comments or DM us your questions! Remember: You’re not alone in this journey. 💕

4 Ways To Connect With Us:

1️⃣ FREE CALL: Book your FREE 20-Minute Financial Coaching Call now! Get personalized advice and start your financial journey ➡︎ https://www.budgetbesties.com/freecall

2️⃣ FACEBOOK: Become part of our Supportive Facebook Group. Connect, share, and learn with others mastering their budget skills ➡︎ https://www.budgetbesties.com/facebook

3️⃣ BUDGET: Grab our Signature Budget Template! It's your key to organizing and optimizing your finances effectively ➡︎ https://budgetbesties.com/budget

This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase!

357 | Retirement Ready: Why Budgeting Can Be Your Biggest Blessing Yet

Fri, 17 Jan 2025 11:04:00 -0400

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

This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase!

356 | Simplifying Your Money with the Budget Besties: Take Control of Your Finances in 2025

Wed, 15 Jan 2025 03:34:37 -0400

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!

355 | Why You Should Break Up With Your Credit Cards

Mon, 13 Jan 2025 11:05:00 -0400

Budget besties, today we’re tackling the icky but oh-so-important topic of credit cards! We know breaking up is hard to do, especially when it comes to something you might feel fiercely loyal to. But trust us—your future self will thank you for taking control of your finances.

We’re breaking down:

Why credit cards are like a toxic relationship 👎
How they encourage overspending and emotional buys 💸
The real cost of interest rates and revolving debt 📈
Why financial freedom starts with cutting the card cord ✂️

And don’t worry—we’re not just leaving you hanging. We’re sharing the 4 actionable steps to break up with your credit cards for good, plus the benefits you’ll gain, like reduced stress, simpler finances, and the joy of being your own bank.

This episode will have you feeling empowered and ready to ditch debt, declutter your budget, and finally put yourself in control of your money.

What You’ll Learn:

The Illusion of Free Money: Why credit cards aren’t the financial “tool” you think they are.
How to Simplify Your Finances: A credit-free life makes budgeting (and living) so much easier.
The Emotional Side of Debt: How carrying a balance is impacting your mental and financial health.
Step-by-Step Plan: Practical advice to stop using debt, set up emergency funds, and finally cancel those cards.

4 Ways To Connect With Us:

1️⃣ FREE CALL: Book your FREE 20-Minute Financial Coaching Call now! Get personalized advice and start your financial journey ➡︎ https://www.budgetbesties.com/freecall

2️⃣ FACEBOOK: Become part of our Supportive Facebook Group. Connect, share, and learn with others mastering their budget skills ➡︎ https://www.budgetbesties.com/facebook

3️⃣ BUDGET: Grab our Signature Budget Template! It's your key to organizing and optimizing your finances effectively ➡︎ https://budgetbesties.com/budget

This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase!

354 | 10 Ways to Save Money Through Organization with Tracy Hoth

Fri, 10 Jan 2025 12:40:18 -0400

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

This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase!

353 | No Shame, Just Solutions: Practical Budget Tips for Women

Wed, 08 Jan 2025 11:04:00 -0400

We’re excited to reair this heartfelt and hilarious conversation with our friend and client Michelle, host of the Consider Jesus Podcast! 💕 In this episode, originally shared on Consider Jesus, we talk about how to take control of your finances with practical systems and a whole lot of grace.

From why budgeting doesn’t have to feel overwhelming to how God works in our finances, this episode is packed with encouragement, wisdom, and a few good laughs. If you’ve ever felt like managing money is impossible, this conversation will remind you that you’re not alone—and that it is possible to turn things around.

What You’ll Learn:

Why most budgets fail and how a budget system makes all the difference.
Michelle’s journey from financial chaos to clarity—and how she’s finding freedom through coaching.
How to manage money in a way that honors God and brings peace to your family.
Practical steps to simplify your finances without sacrificing the things you love.

Don’t Miss:

Michelle’s laugh-out-loud story of how she “stalked” us to become her coaches!
The power of financial coaching to shift your mindset and create lasting habits.
Encouragement for women whose partners aren’t quite on board with a new financial plan.

Listen to the Original Episode:

This conversation first aired on the Consider Jesus Podcast. Listen to it here on Apple Podcasts.

Resources Mentioned:

Budget Besties’ Budget System – Use code MICHELLE for 10% off to start simplifying your finances today.

Follow Michelle:

Check out more episodes of Consider Jesus wherever you listen to podcasts, or follow her on Instagram @ConsiderJesusPodcast.

4 Ways To Connect With Us:

1️⃣ FREE CALL: Book your FREE 20-Minute Financial Coaching Call now! Get personalized advice and start your financial journey ➡︎ https://www.budgetbesties.com/freecall

2️⃣ FACEBOOK: Become part of our Supportive Facebook Group. Connect, share, and learn with others mastering their budget skills ➡︎ https://www.budgetbesties.com/facebook

3️⃣ BUDGET: Grab our Signature Budget Template! It's your key to organizing and optimizing your finances effectively ➡︎ https://budgetbesties.com/budget

This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase!

352 | From Chaos to Clarity: How Separate Bank Accounts Transform Your Finances

Mon, 06 Jan 2025 11:04:00 -0400

Hey, budget besties! 🎙️ In today’s episode, we’re diving into a topic that’s about to transform your financial life: the magic of multiple bank accounts! ✨ If you’ve ever felt overwhelmed managing all your expenses, unsure about where your money is going, or tired of doing mental math at the grocery store checkout, this is the episode for you. 🙌

What We Covered:

Why Multiple Accounts?

Think of it as the modern version of grandma’s cash envelopes—except digital, automated, and gorgeous. Each account is like a file folder, giving your money a clear purpose.
How to Set It Up:
Bills Account: Your main checking account becomes your bills hub—income in, bills and debt payments out.
Spending Account: A separate checking account funded on payday for gas, groceries, and day-to-day spending. Swipe without guilt!
Savings Buckets: Set up savings accounts for specific goals—think travel, pets, Christmas, giving, and more. Automate funding and watch the magic happen. 💫
The Mental Math Miracle:

With your spending and savings pre-organized, you’ll never stress about whether you can afford something. Know what’s covered and enjoy guilt-free spending.
The Game-Changer: Family Fun Account:

Whether it’s ice cream, mini-golf, or dining out, having a family fun fund simplifies shared expenses and keeps everyone happy.
Your Money, Making You Money:

Leverage high-yield savings accounts and let your money work for you while you save for big goals.

Listener Wins!

We celebrated a client who started saving $2,400 a month into her savings buckets—something she never thought possible! 🎉

Key Takeaways:

Give your money a job with separate accounts.
Automate transfers to make saving and spending easy.
Enjoy the clarity and peace of mind that comes with knowing exactly where your money is.

4 Ways To Connect With Us:

1️⃣ FREE CALL: Book your FREE 20-Minute Financial Coaching Call now! Get personalized advice and start your financial journey ➡︎ https://www.budgetbesties.com/freecall

2️⃣ FACEBOOK: Become part of our Supportive Facebook Group. Connect, share, and learn with others mastering their budget skills ➡︎ https://www.budgetbesties.com/facebook

3️⃣ BUDGET: Grab our Signature Budget Template! It's your key to organizing and optimizing your finances effectively ➡︎ https://budgetbesties.com/budget

This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase!

351 | Bootcamp Day 5: Set It and Forget It: How To Automate Your Budget

Fri, 03 Jan 2025 21:23:33 -0400

In this episode, Shana and Vanessa take you step by step through building a simplified, automated budgeting system to help you manage your money confidently and stress-free. If you've ever wondered how to stop living paycheck to paycheck, conquer financial overwhelm, or finally make your money work for you, this is the guide you've been waiting for.

What We Covered:

Why Budgeting Feels Overwhelming: The common mistakes people make and why traditional systems often don’t work.
Setting Up a Budget that Works for You: How to create a one-page budget that covers income, bills, spending, and savings in a way that feels manageable and effective.
The Magic of Automation: Learn how to set up your bank accounts so that bills get paid, savings grow, and spending is guilt-free—all on autopilot!
Overcoming Financial Mind Blocks: From money baggage to miscommunication, we address the mental hurdles and how to clear them.
Practical Steps for Setting Up: From opening accounts to automating transfers, we break down the process to make it as easy as possible.

Highlights:

Why Automation Is a Game-Changer: Picture yourself stress-free, knowing all your bills are paid and your savings goals are on track.
Real-Life Wins: Hear about clients who’ve transformed their finances, paid off tens of thousands in debt, and saved for their dreams.
Budget Besties’ Simplified Budget System: Shana and Vanessa’s custom tool that’s not just a budget—it's a complete roadmap for your financial success.
Tips for Managing Irregular Income: Whether it’s side hustles, Venmo payments, or fluctuating paychecks, we’ve got you covered.

Takeaways for Your Financial Journey:

It’s not about restriction; it’s about intention. Spend and save purposefully so your money reflects your values.
Start where you are. Whether you're living paycheck to paycheck or managing multiple incomes, this system grows with you.
Accountability builds confidence. Use automation to stay consistent without having to rely on willpower alone.

Want More Support?

Explore the Simplified Budget System, complete with 12 monthly budgets, a debt tracker, and savings planning tools.
Lifetime access ensures you’re covered year after year.
Budget Besties community with monthly coaching calls and access to live office hours.

350 | Bootcamp Day 4: Achieving Your Financial Goals for 2025: A Step-by-Step Guide

Thu, 02 Jan 2025 22:39:17 -0400

Hey, Budget Besties! 💸 This episode is all about tying your financial goals to your life dreams—because whether it’s traveling, paying off debt, or planning for retirement, money is at the heart of it all.

💡 Why Financial Goals Matter: Your goals—big or small—depend on financial clarity.

💡 3 Types of Goals:

Short-Term (3–12 months): Emergency funds, paying off a credit card.
Mid-Term (1–5 years): Saving for a house, paying off loans.
Long-Term (5+ years): Retirement, generational wealth.
💡 Smarter Goals Framework: Make them Specific, Measurable, Achievable, Relevant, Time-Bound, Exciting, and Risky.
💡 Breaking It Down: Turn big numbers into monthly or weekly steps to make them manageable.

Today’s Homework: Write down 3 financial goals (short, mid, and long-term) using the Smarter Goals Framework.

4 Ways To Connect With Us:

1️⃣ FREE CALL: Book your FREE 20-Minute Financial Coaching Call now! Get personalized advice and start your financial journey ➡︎ https://www.budgetbesties.com/freecall

2️⃣ FACEBOOK: Become part of our Supportive Facebook Group. Connect, share, and learn with others mastering their budget skills ➡︎ https://www.budgetbesties.com/facebook

3️⃣ BUDGET: Grab our Signature Budget Template! It's your key to organizing and optimizing your finances effectively ➡︎ https://budgetbesties.com/budget

This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase!

349 | Bootcamp Day 3: Why You're Still Living Paycheck to Paycheck (and How to Stop)

Wed, 01 Jan 2025 20:27:05 -0400

Hey, Budget Besties! In today’s episode, we’re getting real about that all-too-common struggle: living paycheck-to-paycheck—even when you technically make enough money not to. If you’re raising your hand (yes, we see you!), this episode is for you. We’re unpacking the mindset, habits, and tools you need to ditch that feast-or-famine rollercoaster and set up a system that lets your money work for you.

And guess what? This episode is available on YouTube, and it’s a great one to watch because we’re sharing lots of visuals, including how to create a simple, pretty budget (yes, Aaron, it’s pink and teal!). Head over to our YouTube channel to check it out and see the budget magic in action.

What We Covered:

Think Monthly, Not Paycheckly
- Why we love made-up words like “paycheckly” (you’re welcome).
- How to stop planning your life around every paycheck and start thinking in terms of your whole month.
- The power of a simple, bird’s-eye-view budget that shows you everything at once.
Automate Your Bills Account
- The key to making sure your bills get paid on time without you stressing about them.
- How to set up a dedicated “bills only” account that works like a fortress for your finances.
Fund Spending Consistently
- Why consistent funding for groceries, gas, and personal spending is a game-changer.
- How automating your spending accounts can stop you from robbing your piggy bank—or couch cushions.
Advanced Tips to Level Up
- Building a buffer to smooth out those lumpy months.
- Automating savings for annual expenses like HOAs, insurance, and yes, even bougie boat fees.
- Living within your spending accounts—because freedom comes from boundaries, not chaos.

Listener Homework:

Set up your bills account and automate at least one transfer.
Bonus points: Start shopping your pantry or brainstorming ways to build a buffer this month.

Key Stats:

78% of Americans live paycheck-to-paycheck. But how many need to?
You don’t have to guess. A paycheck plan can show you exactly where your money should go.

Budget Bestie Wisdom:
“Managing money isn’t about restriction—it’s about intention. A budget is just your plan for living the life you want, without the stress of wondering if the bills are covered.”

Tune In Next Time:
Tomorrow, we’re diving into 2025 financial goal setting! Bring your dreams—big or small—and let’s turn them into actionable, budget-friendly plans.

Connect With Us:
Have questions or want to share your homework? Email us at hello@budgetbesties.com. 🎉

348 | Bootcamp Day 2: Unpacking Money Baggage

Tue, 31 Dec 2024 20:53:58 -0400

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."

347 | Bootcamp Day 1: Why You Make Good Money But Have Nothing to Show for It

Mon, 30 Dec 2024 19:29:57 -0400

Ever feel like you’re earning good money but somehow have nothing to show for it? You’re not alone! This episode dives into the five reasons why this might be happening and how to start flipping the script. From systems and goals to managing impulse spending and resisting the PTA's surprise volleyball fundraiser, we’ve got practical tips and relatable laughs to help you take control of your finances.

Key Takeaways:

Reason #1: No System

Money without a system is like laundry without a schedule—chaos!
It’s not just about a budget but a budget system.

Reason #2: Not Paying Attention

Ignoring your bank account doesn’t make problems disappear.
It’s time to take a guilt-free, honest look at your spending.

Reason #3: No Goals

Without clear goals, money just slips away.
Rediscover your “why” to stay motivated.

Reason #4: Letting Others Decide

Stop being reactive. Whether it’s kids, coworkers, or subscription services—take back control.
Practice saying “no” or “not right now” (we share some creative ways to do it!).

Reason #5: Spending Without a Purpose

Spending is fine—but let’s make it intentional.
Separate spending accounts can help reduce the overwhelm and prevent accidental overspending.

Homework:

Print out your bank statement for one month (avoid holiday months for more accuracy). Grab your highlighters, categorize your spending, and find your biggest money leaks. This step helps you build a realistic and clear budget moving forward.

Fun Moment:

Shana shared her favorite no-fail strategy for handling her kids’ impulse asks: “Go ask your dad!” Vanessa chimed in with her Amazon “save for later” folder that rivals most people's retirement accounts.

Resources Mentioned:

Personalized Budget System: Head to https://www.budgetbesties.com/budget to grab the new 2025 version!

Also, sign up for the Money Makeover Bootcamp at https://www.budgetbesties.com/bootcamp

Tools we love: Ally Bank, SoFi, and your local credit union for managing multiple accounts without fees.

Connect With Us:

Email: hello@budgetbesties.com

Website: budgetbesties.com

Join Our Free Money Makeover Bootcamp This Week!

Mon, 30 Dec 2024 11:04:00 -0400

✨ Ready to transform your finances? Book a free 20-minute coaching call, join our Facebook community, or grab our signature budget template. Visit budgetbesties.com to get started!

#BudgetingTips #FinancialFreedom #WomenSupportingWomen

346 | Interactive Money Makeover: Coaching, Connection, and Real Results

Fri, 27 Dec 2024 14:53:33 -0400

Join Our Money Makeover Bootcamp!

Hey, Budget Besties! 🎙️ Shana and Vanessa are back with some BIG news – we’re hosting our very first Money Makeover Bootcamp! This week-long live workshop is where we’ll meet face-to-face (virtually), dive deep into your money questions, and give you actionable steps to level up your finances for 2025. It’s time to stop feeling stuck and start taking control of your money with us by your side.

Why Now?
The week between Christmas and New Year’s is prime time for dreaming about what’s possible in the year ahead. We saw a surge in listeners reaching out for help last year after Christmas, so this year we’re here to serve you before the ball drops on 2025.

Bootcamp Schedule (December 30 – January 5, 12 PM CST):

Monday:
💰 Why You Make Good Money but Have Nothing to Show for It
We’ll tackle the disconnect between your income and savings and start identifying what’s holding you back.

Tuesday:
🧳 Unpacking Your Money Baggage
Childhood lessons? Adult money trauma? Let’s uncover and heal the stories shaping your financial habits.

Wednesday:
⏰ Stop Living Paycheck to Paycheck
We’re sharing the mindset shifts and strategies that’ll free you from the paycheck-to-paycheck cycle—for good.

Thursday:
🎯 Set Financial Goals for 2025
Whether it’s a vacation, debt freedom, or growing your net worth, we’ll help you set goals that align with your dreams.

Friday:
📊 How to Create and Automate Your Budget
This is the game-changer! We’ll show you how to set up a budget that basically runs itself.

What’s In It for You?

LIVE Coaching: Real-time guidance and answers to your questions.
Interactive Sessions: No one-sided convos here! Join the chat and be part of the discussion.
Daily Prizes: Gift cards and more, just for showing up.
Transformation: It’s time to ditch the old habits and step into a financial system that works for YOU.

Imagine This...
🎉 Starting 2025 with a clear plan for your money.
🎉 Breaking free from financial stress and finally seeing progress.
🎉 Using your hard-earned income to fund your biggest goals and dreams.

It’s not just a bootcamp—it’s your first step toward a financial fresh start. Join us live starting December 30 at noon CST!

✨ Ready to transform your finances? Book a free 20-minute coaching call, join our Facebook community, or grab our signature budget template. Visit budgetbesties.com to get started!

#BudgetingTips #FinancialFreedom #WomenSupportingWomen

Merry Christmas from the Budget Besties!

Wed, 25 Dec 2024 21:16:47 -0400

✨ Ready to transform your finances? Book a free 20-minute coaching call, join our Facebook community, or grab our signature budget template. Visit budgetbesties.com to get started!

#BudgetingTips #FinancialFreedom #WomenSupportingWomen

345 | January Budget 101: Making Room for Goals, Savings, and a Fresh Financial Start

Mon, 23 Dec 2024 13:50:27 -0400

Budget besties, can you believe it? January 2025 is here! Shana and Vanessa are back to help you prep for a fresh financial start this month. Whether December felt like a budgeting whirlwind or a total train wreck—it's okay, we've got you. We’re walking you step-by-step through closing out December and setting up your shiny new January budget. 🎉

This episode is all about:

✨ Reviewing December’s numbers (yes, even if it hurts) and using that data for a better year ahead.

✨ Setting up January’s budget with intention.

✨ Bringing over any lingering debt payments, fine-tuning your bills, and reviewing those subscriptions.

✨ Assigning your spending and creating savings buckets for all those “unexpected but totally expected” expenses (looking at you, Christmas and Amazon Prime renewals!).

You don’t have to be perfect—just start!

What You’ll Learn:

Why closing out December before starting January matters.
The step-by-step flow for creating your budget:
Income (let’s celebrate that number, first!)
Debt (minimum payments only for now, we’ll strategize later).
Bills (separate these from debt for total clarity).
Spending (where you live and swipe).
Savings Buckets (funding your future and the fun stuff).
How to take this opportunity to review your subscriptions, plan for annual bills, and make your budget truly work for you.

Budget Besties Takeaway:

Budgeting is about getting clarity—not perfection. Use what you learned in December to make January your best month yet, and don’t forget: January is the time to get those savings buckets rolling for the 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

"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.

This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase!

344 | Simplifying Money and Marriage: Managing Finances Through Career Changes and Growing a Family

Fri, 20 Dec 2024 11:04:00 -0400

In this heartwarming episode, we’re joined by our friend and former client, Megan Gephardt, who shares her inspiring financial transformation journey. Megan, a wife, mom to three boys, army veteran, and now entrepreneur, takes us through her whirlwind of life transitions—from exiting the military to building a sustainable business—all while embracing financial clarity and intentionality.

Together, we discuss how Megan went from managing two chaotic households and feeling intimidated by money to confidently stewarding her family’s finances, paying off significant debt, and even creating space for once-in-a-lifetime experiences like traveling and a peaceful home birth.

Megan’s story is proof that incremental progress and personalized systems can lead to profound peace and freedom. Whether you’re juggling kids, career changes, or just trying to figure out where your money is going, this episode is packed with encouragement and practical wisdom.

The Power of Financial Coaching: How Megan transitioned from overwhelm to confidence by creating systems that aligned with her family’s values.
Overcoming Financial Barriers: The mindset shifts Megan made to tackle debt, build savings, and create a sustainable plan for big life transitions.
The Beauty of Progress Over Perfection: Why taking small, consistent steps led to lasting financial peace.
Living Bougie on a Budget: How Megan embraced intentional spending without sacrificing her family’s quality of life.
Empowering Your Family: The impact financial clarity had on Megan’s marriage and ability to serve her family and business.

343 | Budgeting Through Life Changes: Navigating Moves, New Normals, and More

Wed, 18 Dec 2024 11:04:00 -0400

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:

“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.
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.
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.
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:

Start With the Basics: Don’t rush! Build your budget foundation first (and trust us, you’ll thank yourself later).
Embrace the Temporary Chaos: Change can be shocking (like a pool shock!), but it’s part of the process.
Automate What You Can: Eliminate stress by letting systems handle your bills, savings, and expenses.
Be Patient With Yourself: Fixing your finances takes time—just like unlearning old habits.

🎧 Tune In If You:

Feel overwhelmed with financial changes (hello, foster parents, new parents, or movers!).
Are doing too much with your transfers and need clarity on what to prioritize.
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:

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

342 | 3 Game-Changing Financial Tips for Busy Women

Mon, 16 Dec 2024 13:22:41 -0400

Hey, budget besties! 💸 We’re here with the three biggest game-changing tips for your finances. Whether you’re tired of living paycheck to paycheck, wondering how to pay off debt while still enjoying your lattes, or just need a budget that actually works for your life—this episode is for you.

We’re breaking it all down so you can simplify your money, stay bougie on a budget, and create a system that practically runs itself. You don’t need to overhaul your entire life; these three steps will start transforming your finances today.

In This Episode, We Cover:

Separate Bank Accounts: Why having just one account is holding you back—and how setting up separate accounts for bills, spending, and savings can simplify your life.
Bougie on a Budget: How to pay off debt, build wealth, and still enjoy the life you love without sacrificing what makes you happy.
Put Your Budget on Autopilot: The magic of automating your finances so everything is funded (and you don’t have to think about it).

Key Takeaways:

Modern finances are more complicated, so ditch the one-account system you used when you were 18.
A budget isn’t restrictive—it gives you permission to spend on the things you love while hitting your goals.
Automating your budget means fewer mistakes, less stress, and more freedom to enjoy your life.

Your Financial Glow-Up Starts Here:

Start by separating your bank accounts (bills, spending, savings).
Make a plan to live your bougie life without guilt—your budget should reflect what you value.
Set it and forget it! Automate your transfers, bill payments, and savings contributions.

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

This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase!

341 | Living Your Best Budget Life: How Single Moms Can Beat Debt and Thrive

Fri, 13 Dec 2024 11:03:00 -0400

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:

Why becoming your own bank is the ultimate financial power move.
How to balance the need for a credit card in emergencies with building a solid emergency fund.
Practical tips to simplify your financial system and stop living paycheck to paycheck.
The importance of saying “no” (to yourself, your kids, and even those Fortnite skins!).
The game-changing power of separating bills, spending, and savings into individual accounts.

📋 Katie’s Key Takeaways:

Consolidating debt isn’t the final answer, but it can offer breathing room to refocus on long-term goals.
Always read the fine print—whether it’s car warranties or gap insurance policies.
Making calls and asking questions can save you hundreds (hello, 2% interest rate!).
Budgeting isn’t about perfection—it’s about making progress and learning what works for you.

🎯 Actionable Steps for Your Money Journey:

Build Your Emergency Fund: Start small but stay consistent. Every dollar adds up.
Leverage Savings Buckets: Create mini funds for upcoming expenses, like kids’ activities or holiday spending.
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.
Teach Your Kids About Money: Use tools like cash or cards (with clear limits) to help them learn budgeting basics early.
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:

She consolidated $1,200 in monthly debt payments down to $340!
She’s taking control of her finances with a solid budgeting system.
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

This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase!

340 | Do You Make Good Money but Still Feel Broke? Here's How to Change That.

Wed, 11 Dec 2024 16:11:29 -0400

Episode Highlights:

We’re diving into lessons from our coaching sessions, spotlighting real transformations and wins from our amazing clients.
Hear how one single mom went from survival mode to saving $1,700 in a single month, preparing for a dream trip to Sweden, and finally lifting the weight of financial stress off her shoulders.
Discover the breakthrough story of a couple with uncombined finances. A single honest conversation turned their financial chaos into clarity and set them on the path to being a paycheck ahead in their very first month.
We’ll unpack why relying on bonuses or tax refunds to "catch up" could be holding you back—and how shifting your mindset and systems can unlock financial freedom.
Plus, we’re sharing how to approach those sometimes scary conversations about money with your partner and why they usually turn out better than you expect.

Key Takeaways:

Celebrate All Wins: Progress doesn’t always mean paying off massive debt—saving for the future is just as important.
You’re a Team: Even if your finances aren’t combined, communication is the secret sauce. Having a solid plan (and some data) makes those conversations so much easier.
Break the Bonus Cycle: Stop relying on bonuses or refunds to catch up on the past—your budget should create the future you’re dreaming of.
Shift the Focus: Paying off debt and saving money can become your new exciting goal—it’s the dopamine hit you didn’t know you 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

⁠Snag Our Simplified Budget System!⁠

This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase!

339 | Why Women Handle Money Differently: Budgeting, Confidence, and Financial Freedom

Mon, 09 Dec 2024 17:03:19 -0400

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:

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.

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.

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.

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.

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

This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase!

338 | Data Over Drama: Taking the Fear Out of Financial Planning

Fri, 06 Dec 2024 11:04:00 -0400

Hey Budget Besties! Today we’re joined by Cheryl from Pillar One Consulting, a financial powerhouse with over 20 years of experience helping businesses stay on track and look to the future. Together, we’re breaking down the steps to wrap up your year with confidence and set yourself up for an incredible 2025—whether you’re managing a business or your household budget.

We’ll share how to stop burying your head in the sand (hello, ostrich vibes!) and start approaching your finances like a confident giraffe. 🦒

Check out Cheryl:

www.pillaroneconsulting.com
Her free resource: www.30terms.com A guide to demystify financial jargon, perfect for anyone in business or thinking about starting one.

What You’ll Learn in This Episode:
💰 Start Where You Are: The importance of gathering your data—no drama, just facts!
📝 Measure to Manage: Why tracking trends in your spending or revenue can reveal powerful insights.
✨ Wrap It Up Right: How closing out your financial year prepares you for a smoother, more successful tax season.
📊 KPIs & Quarterly Refreshes: The keys to staying flexible with your goals and adjusting as life happens.
🎯 Boss Lady Mindset: Why being intentional with your numbers empowers you to grow—whether it’s your business or your personal budget.

Cheryl’s Pro Tip: Download your financial data today (yes, today!) from your bank accounts and credit cards, and start organizing it. This simple step is the gateway to clarity.

Key Takeaways:

Know Your Numbers: Whether it’s a 90-day audit or a year-end review, understanding where your money goes is step one.
Set Goals that Work for YOU: Don’t cling to outdated goals—refresh them quarterly to stay aligned with your life.
Organize for 2025: Start prepping those tax docs and set up systems now to save yourself stress later.
Make It Measurable: Use KPIs (key performance indicators) in your business or personal budget to track progress and stay on course.

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

337 | Financial Goals 2025: How to Plan, Budget, and Achieve Success With Your Money

Wed, 04 Dec 2024 13:18:23 -0400

Budget Besties, 2025 is here, and we’re so pumped to help you dream big with your money! 🎉 In this episode, Shana and Vanessa talk about financial goals—what they are, why they’re important, and how to break them down into actionable steps. Whether you’re dreaming of a house, paying off debt, or just getting more organized with your budget, this is your year!

We also cover:

Why financial goals matter for every other goal you have.
How to dream big but still create SMART, actionable steps.
The importance of short, medium, and long-term goals—and how they all fit together.
How to stay consistent and navigate challenges when life inevitably happens.
Tips to involve your family and get everyone on the same page.

From emergency funds to investing in yourself, we’ve got you covered. Plus, we’re here to remind you—your goals are yours. No “shoulds” allowed. 🛑

What You’ll Learn:

How to break down big audacious goals into doable action steps.
The power of automating your savings with our savings bucket system.
How to get your family (and even your kids!) on board with the big picture.
What to do when life throws you a curveball—because it will.

Links & Resources:

Missed last week’s episode? Listen to Year-End Review Checklist to wrap up 2024 before diving into 2025.
Ready to take control of your budget? Check out our coaching packages at budgetbesties.com/coaching.

Action Step for Today: Pause, dream, and write down one BIG financial goal for 2025. Then think about what it will take to make it happen!

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

This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase!

336 | Year-End Money Reset: Your 2024 Financial Review Checklist

Mon, 02 Dec 2024 11:04:00 -0400

⁠Get $200 Off Coaching!⁠

Budget besties, can you believe it? 2024 is wrapping up, and we’re here to help you close the year with clarity and confidence. In this episode, we break down the ultimate year-end financial checklist to help you reflect on your wins, learn from your not-so-great moments, and prep for a financially successful 2025.

We’re diving into everything from reviewing your budgets and debt to tidying up your financial docs and celebrating your wins. Don’t worry—it’s not all work. We’re also here to remind you to acknowledge how far you’ve come and dream big for the year ahead.

Look back at your spending habits for 2024. What worked? What didn’t?
If you’ve been using our system, use the financial snapshot to analyze trends like your biggest expenses or where you’ve consistently overspent.
Didn’t have a budget this year? That’s okay! Start fresh in 2025.

Did you pay off debt this year? If so, celebrate that win!
If you didn’t make as much progress as you’d hoped, use this time to reflect and plan for 2025.

What were your 2024 savings goals? Did you hit them?
Take note of what worked and what didn’t so you can plan for bigger wins in 2025.

Get tax-related paperwork, receipts, and records in order now. Trust us, April You will thank December You!

Visit annualcreditreport.com for a free annual report. Make sure everything is accurate and catch any surprises.

Are you paying for coverage you don’t need? Are you underinsured?
Shop around for better deals or adjust your coverage to match your current needs.

Check your accounts to see if you can make additional contributions before the year ends.

It’s the season of giving! Review your budget and decide if you can make any last-minute contributions to causes that matter to 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

This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase!

335 | Zero-Based Budgeting Made Simple: Eliminate Stress and Master Your Money

Fri, 29 Nov 2024 11:04:00 -0400

⁠Get $200 Off Coaching!⁠

Hey, Budget Besties! In today’s episode, we’re diving deep into the number one culprit behind broken budgets: mystery spending. We chatted with Christine, who’s struggling to stick to her budget despite using tools like EveryDollar. We get it—it’s not easy to make the switch from juggling accounts to a clear, structured system. That’s why we’re here to break it all down and simplify your spending habits once and for all!

What We Covered:
✨ The Bills Account Island: Why keeping your bills account completely off-limits is a game-changer for budgeting success.
✨ Say Goodbye to Tiny Transfers: How to plan for larger, purposeful transfers that let you breathe easy.
✨ Budget for Real Life: Tracking those sneaky “unexpected” expenses and turning them into part of the plan.
✨ Zero-Based Budgeting Done Right: How telling every dollar where to go makes the difference between chaos and confidence.
✨ Spending with Clarity: Why having more than you need in your spending account is better than constant “maybes” and overdraft stress.

We also tackle why many of us aren’t used to “being the type of person who has money” and how shifting that mindset can make all the difference. Spoiler: financial peace doesn’t come from guessing, it comes from clarity. 💡

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

This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase!

334 | Make Your December Budget: A Step-by-Step Guide

Wed, 27 Nov 2024 11:11:00 -0400

Get $200 Off Coaching!

Hey, budget besties! December is here, and so are we—with our festive jingles and a checklist to help you crush your December budget. Whether you're navigating holiday spending, bonuses, or travel plans, we’ve got you covered with actionable tips and a sprinkle of holiday cheer.

🎅 Why Shana isn’t in Christmas mode just yet (but her bear is ready!).
🎄 The must-dos for wrapping up November's budget before diving into December.
📊 A breakdown of the Budget Besties system: income, debts, bills, spending, and savings buckets.
🎁 Planning for Christmas gifts, holiday travel, and unexpected expenses—without breaking the bank.
✨ How to stay goal-focused this month, even if you're not tackling big debt or savings milestones.

1️⃣ Wrap Up November:

Update November’s actuals for spending and savings.
Learn from any surprises to plan December better.

2️⃣ Start with Income:

List all sources, including bonuses, overtime, and seasonal jobs.
Use this number to assign every dollar a job.

3️⃣ Debt Payments:

Only list minimums in the budget to ensure essentials are covered first.

4️⃣ Bills:

List recurring bills (bonus points for organizing them by due date!).
Automate payments for stress-free budgeting.

5️⃣ Spending:

Cover must-haves like gas, groceries, and personal money first.
Add in holiday extras like gifts, parties, travel, and teacher gifts.

6️⃣ Savings Buckets:

Plan ahead for 2024 with categories like:

7️⃣ Paycheck Plan Magic:

Divide spending and savings by paychecks.
Use one-time transfers for specific events like holiday parties or travel.

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

333 | Clutter-Free Christmas Gifts: Ideas They’ll Actually Use and Love

Mon, 25 Nov 2024 15:06:42 -0400

⁠Get $200 Off Coaching!⁠

Hey, budget besties! 🎁 In this festive episode, Shana and Vanessa are talking all about clutter-free gift ideas that bring joy without crowding the closet. If you're tired of giving (or receiving) stuff that ends up in the back of a drawer, this one's for you!

What We’re Chatting About:
🎅 Shana’s fave gift (spoiler: planners!) and why Vanessa avoids clutter at all costs.
🎄 The shift in how kids—and adults—enjoy gifts in the age of Amazon.
🎁 Why cash, gift cards, and thoughtful experiences are game-changers.
🎟️ Unique ideas for clutter-free giving, like subscriptions, services, consumables, and classes.
💡 How to include your family in choosing experience-based gifts—and why it creates lasting memories.

1. Experiences Over Stuff:

Amusement parks, escape rooms, or bowling nights 🎳
Sporting events, concerts, or summer camps ⚾🎶
Family trips like skiing, camping, or even a cruise-the-coast adventure! 🌄

2. Memberships & Subscriptions:

Streaming services (Disney+, Netflix, or ESPN) 📺
Audible for book lovers 📚
Meal planning or meal delivery kits 🍴
Local memberships (zoos, aquariums, or museums) 🐘🖼️

3. Services to Pamper or Help Out:

Spa days, massages, or haircuts 💇‍♀️
Car detailing 🚗
Babysitting gift cards for date nights 🍼
Financial coaching (hey, besties—we know someone who can help 😉).

4. Consumables:

Gourmet coffee, tea, or hot sauce ☕🌶️
Luxurious bath products or candles 🛁🕯️
Art supplies, razors, or even fancy pens ✏️
Fun foodie options like chocolates or spices 🍫🧂

5. Classes:

Art, dance, or martial arts lessons 🎨🩰
Music lessons (guitar, drums, etc.) 🎸🥁
Cooking, photography, or self-defense 🥘📷🥋

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

This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase!

332 | Sick of Guessing Where Your Money Goes? The Simple System You Need

Fri, 22 Nov 2024 11:04:00 -0400

Hey, Budget Besties! 👋 We're re-airing an amazing episode we recorded with our friend Traci Peterson on her podcast Woman Lessons. This conversation is packed with energy, inspiration, and a judgment-free guide to redefining your finances.

🎙️ Check out Traci's podcast Woman Lessons for more empowering conversations: ⁠Woman Lessons Podcast⁠.

Whether you’re tired of living paycheck to paycheck, dreaming of financial freedom, or just trying to enjoy your money without the stress, this episode is for YOU!

We share practical steps to:

Break the cycle of living paycheck to paycheck.
Create a budget that works with your life (yes, even with the lattes 🍂).
Automate your money to reduce stress and increase savings.
Involve your kids in the financial conversation while teaching them smart money habits.

We also dive into how to navigate tough money convos with your spouse and create a vision for your finances that you’re both excited about.

You’ll laugh, you’ll learn, and you might even rethink how you feel about the “B-word” (budget, of course).

331 | Entrepreneurship and Money: Creating Systems to Manage Finances and Time

Wed, 20 Nov 2024 11:04:00 -0400

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

This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase!

330 | Think You Make Too Much Money to Need a Budget? Think Again

Mon, 18 Nov 2024 11:04:00 -0400

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

This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase!

329 | The Magic of Routine with Anna Dearmon Kornick: How a Weekly Finance Ritual Can Change Everything

Fri, 15 Nov 2024 11:04:00 -0400

Check Out Anna's free mini course Blueprint to Balance!

Shana and Vanessa welcome time management expert Anna Dearmon Kornick, who shares her powerful method for managing personal finances without letting it take over your week: the “Finance Friday” routine. Together, they dive deep into how managing time and money share common roots in our beliefs, our habits, and even our upbringing. Get ready for a practical guide to setting boundaries with both your time and your money!

Check Out Anna's Podcast It's About Time!

Key Takeaways:

Set Boundaries Around “Finance Friday”: Anna's genius method of consolidating all financial to-dos—like checking balances, transferring to savings, and paying bills—into a single weekly session helps avoid distractions during the week. This finance-focused time block allows for more mental clarity and helps keep other parts of your week on track.
Uncover Your Beliefs About Time and Money: We often carry beliefs from childhood that impact our view of both time and money. Anna shares how identifying these beliefs, whether they are limiting or empowering, is an essential first step in changing how we approach our schedules and spending.
Avoid “Attention Residue”: Did you know that it takes about 23 minutes to refocus after switching tasks? Anna explains why it’s so important to keep “checking” to a minimum, whether it’s checking your email, your bank account, or your calendar. Blocked-out time for one task helps you avoid the mental leftovers, or “attention residue,” that can drain productivity.
Connect Your Time Management to Your “Why”: Money and time management work best when they align with your values. By clearly defining your goals—whether it’s a family trip to Disney, a home down payment, or financial freedom—you create a budget and time strategy that makes every decision more purposeful.

Make It a Family Affair: Whether it’s a Finance Friday or a “Marriage Meeting Monday,” find a weekly rhythm that works for you and your partner to get on the same page about your budget, your schedule, and your priorities.

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

This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase!

328 | Mastering Money Mindsets: Tools for Building Wealth and Avoiding Financial Stress

Wed, 13 Nov 2024 13:03:42 -0400

Check out our friend's podcast, Her Unshakeable Confidence

Hey, Budget Besties! This episode is all about breaking down money myths and building financial freedom with confidence. Join Shana and Vanessa as they chat with Simone and Olivia from the Daughter Dearest podcast, sharing insights on transforming your relationship with money—whether you’re in college, mid-career, or managing family finances.

In this episode, we cover:

Starting Fresh with Financial Education: Busting the myth of being “bad” with money and discovering that it’s often just a matter of not being taught the right tools and mindset.
Building Financial Foundations Early: How young couples and singles can set the groundwork for financial success that will serve them for life.
Embracing the “Bougie on a Budget” Philosophy: Loving the finer things in life, guilt-free! Learn how to build a budget that includes your self-care without sacrificing your financial goals.
Money Mindfulness vs. Mindlessness: Recognizing and stopping mindless spending, setting specific budgets for expenses like dining out, and being intentional with every dollar.
Using “Bank Account Balancing” to Simplify Your Budgeting: How to automate your finances with separate bank accounts for bills, groceries, personal spending, and savings, so you know where every dollar is going.
Ditching Credit Dependency: Shana and Vanessa explain the benefits of being your own bank, building savings instead of credit, and other ways to achieve big goals without relying on credit scores.
Communication & Money in Relationships: Tips for keeping open, honest money conversations in relationships—turning budgeting into teamwork, not tension.

1. Taking the Shame Out of Spending

Money should be a tool, not a source of stress. Shana and Vanessa’s coaching approach encourages spending on what you love—just with a plan in place! You can enjoy the “bougie” things that bring you joy and still make progress on financial goals.

2. The Power of Automated Finances

Automating transfers for different spending categories (like gas, groceries, and personal fun money) makes budgeting simple and empowers you to be intentional with your money.

3. Building Wealth Without Relying on Credit

Credit cards are not a necessity for building financial security. Shana and Vanessa share strategies to save intentionally for future expenses and emergencies, eliminating the need for credit dependency.

4. Budgeting with Your Partner as a Team

Building a financial plan together not only strengthens your financial health but also builds trust and clarity in relationships. Monthly “budget dates” keep everyone in sync and excited about shared goals!

5. For Our Young Listeners

Start strong by creating a system before accumulating debt. You’ll be grateful when you have built-in habits and a foundation to avoid financial stress as life (and income) grows.

When you're ready, here's how we can help you:

⁠Listen to our podcast.⁠
⁠Grab our Simplified Budget System⁠ to get your finances organized without stress.
Join our FREE ⁠Facebook Community Group⁠ for more support.

327 | No More Guessing: The Simple Plan to Know Exactly How Much You Can Spend

Mon, 11 Nov 2024 16:38:06 -0400

Straight from our Office Hours, here’s what we tackled this week! Real questions, real struggles, and real solutions to help you get control of your money once and for all:

Swiping Without Stress 🤔: So many people feel like swiping their card is a total gamble – sound familiar? We shared tips on how separating accounts and budgeting with purpose can make every swipe a confident one. It’s all about knowing where your money is going!
From Chaos to Control 💪: Just writing numbers down doesn’t make a budget. We explained how our Simplified Budget System is designed to plan and categorize everything for you, giving you an actual game plan with every paycheck. No more “now what?” moments!
Tackling Debt, One Step at a Time 🎯: Getting out of debt can feel like a mountain, but we’re all about small, consistent wins. Autopay for debt minimums and making extra payments on payday? Game changers. If the money’s gone, it can’t be spent!
Saving for Vacations & Big Dreams 🌴🏠: Big goals don’t have to feel out of reach. We talked about setting up dedicated savings buckets for dreams like vacations or home-buying. With a little planning each month, you can make those dreams happen on purpose!
Clarity Creates Confidence 🌟: Our clients come in looking for a way to finally “get it,” and with organized budgets, they’re finding peace of mind. Even small changes add up to major financial confidence.

This Office Hours covered so much, and we’d love to have you join us next time! Get answers, tips, and support in our free Facebook group – link below! 💖

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

326 | Practical Budgeting Tips for Managing Irregular Income & Family Priorities

Fri, 08 Nov 2024 11:04:00 -0400

We talk with Cassie, a nurse and mom of two from Texas, who’s balancing life with an “irregular” income and a family calendar that’s booked to the brim. Cassie’s husband works in the oil industry, which comes with unique income fluctuations—and when he's home, it’s all about making memories and taking advantage of family time, a mindset that can put savings goals on hold.

They explore how Cassie and her husband can save for their big dreams (a forever home, a cheerleading fund, and even that sweet Disneyland budget!) without sacrificing the lifestyle they love.

Key Takeaways:

Embrace the Savings Buckets System: For big priorities like a home down payment or family vacations, separate savings accounts (a.k.a. “savings buckets”) can help you earmark funds without needing to track every single purchase.
Structure Irregular Income for Peace of Mind: For those with variable income, budgeting around the lowest expected income helps keep bills and essentials covered. When those extra-good paychecks come in, that “bonus” can go straight toward dreams and savings goals.
Automate Everything: Once you set up automatic transfers and define your spending categories, there’s no need for constant manual tracking. You’re free to focus on family, work, and all those weekend trips while knowing your financial goals are getting funded!
Find Your Financial “Yes” and “No”: Cassie and the ladies chat about the pressures parents feel to “be there” at every practice or spend time socializing. But taking back some of those hours for budgeting or self-care can ultimately be a powerful way to support the family’s dreams.
Choose the Right Bank for You: Not all banks offer the flexibility you might need for multiple accounts without fees. The team recommends starting with a bank that prioritizes ease of use with digital savings and checking accounts, like Ally or a local credit union.

Cassie’s main lesson from the episode? The power of setting up systems that work in the background, so you can spend time where it matters 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

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325 | Real Talk About Money: How To Stop Overspending and Get Your Spouse On Board With Finances

Wed, 06 Nov 2024 11:04:00 -0400

In this episode, the hosts explore common financial challenges couples face, highlighting the impact of miscommunication, unclear expectations, and differing financial habits. They discuss strategies to help clients better align as a team in managing finances, emphasizing the importance of clear communication, shared responsibility, and intentional budgeting. Here are the top insights:

The Challenge: When one partner shoulders all financial responsibilities, resentment and isolation can build up. In one case, the partner managing the budget felt frustrated as the other continued spending without understanding the budget constraints.
The Solution: To bridge this gap, the hosts recommend setting up a regular "budget meeting" together to review spending plans and set goals as a team. This approach brings both partners into the decision-making process, fostering mutual understanding and reducing tension.

The Challenge: Financial discussions often carry frustration, especially if there’s debt or overspending. One client’s frustration led her to lash out, which wasn’t productive.
The Solution: The hosts suggest framing money talks with positivity and patience rather than letting frustration take over. Using a constructive, supportive tone can make the other partner more willing to engage and problem-solve collaboratively.

The Challenge: Many assume more income will solve financial issues, but often uncontrolled expenses are the real problem. The hosts noted clients with high incomes still facing debt due to unchecked spending.
The Solution: By creating a detailed budget and sticking to it, clients can manage their expenses effectively, making it possible to save or pay off debt regardless of income level.

The Challenge: Many people overlook opportunities to save on expenses like insurance. The hosts point out that people rarely re-quote their policies, resulting in overpayment.
The Solution: The hosts recommend using insurance brokers to easily compare multiple quotes. They suggest this as a simple, effective way to save money without added hassle.

The Challenge: Clients used to being overdrawn may feel uncomfortable when they see a positive balance, leading them to spend unnecessarily.
The Solution: Recognizing these money anxieties and developing comfort with a positive balance can help break the cycle of overspending, leading to better financial health.

1. Shared Financial Responsibility2. Approaching Money Conversations Positively3. Focus on Expense Management, Not Just Income4. Importance of Requoting Insurance Regularly5. Addressing Money-Related Anxiety

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

Snag Our Simplified Budget System!⁠

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324 | End the Paycheck to Paycheck Cycle Rollercoaster: How to Build a Predictable Budget

Mon, 04 Nov 2024 15:45:21 -0400

Hey, budget besties! Today, we’re diving into a seriously common question from our friend April in the Facebook group: “How do I stop living paycheck to paycheck?” April, you are not alone—so many of us feel the pain of balancing paychecks with bills, often feeling like we’re barely keeping up.

Key Highlights from Today’s Episode:

The Paycheck-to-Paycheck Trap: Most of us are familiar with the stress of waiting for payday to handle all the bills that have piled up. But what if you didn’t have to think about which bill goes with which paycheck?
The Bills Account Solution: Here’s our recommended shift—create a dedicated bills account where all income goes first. Every time you get paid, funds go into this account, automatically paying your bills and sending budgeted amounts to savings and spending.
Setting Up Your Flow for Freedom: With this system, you assign each dollar a job before it even leaves the bills account. You’ll transfer money from the bills account into specific “buckets” (think: personal spending, groceries, gas) and watch them fund automatically each month.
How to Transition Smoothly: If switching to this model seems overwhelming, start by mapping out all your bills and income for a month on paper. Imagine seeing all your money in one big picture view, instead of paycheck-by-paycheck! This can be a huge mental shift, but it will help you see where a few temporary cutbacks can create a buffer to get started.
Why This Works Long Term: When we’re not panicking about “how” or “when” to pay bills, we’re not stressed! Getting a paycheck ahead and creating that buffer lets you breathe easier, without worrying about juggling payment dates and paydays.

The Benefits of Going on Autopilot: Once you’re set up, you won’t have to track paydays or chase due dates—everything becomes routine. This system is designed to reduce financial stress, bring clarity to your money flow, and allow you to focus on your life instead of living for the next paycheck.

If you’re ready to switch from managing paychecks to managing your plan, start here with our custom Budget Besties system. We break it all down for you, so you can focus on what matters. And remember, we’ve got your back every step of the 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

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323 | Living Bougie on a Budget: Enjoy Life While Building Financial Stability

Fri, 01 Nov 2024 12:05:10 -0400

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

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322 | Hidden Savings: How One Call Could Reduce Your Monthly Bills

Wed, 30 Oct 2024 10:04:00 -0400

Welcome back, budget besties! Shana and Vanessa are diving into real-life financial breakthroughs from their latest client coaching sessions, sharing tips and lessons that’ll inspire you to make moves in your own money journey. This episode is all about combining finances, cutting out debt temptations, and negotiating bills. Ready to hear how real people are saving thousands? Let’s go!

To Combine or Not to Combine? 💍
- Lesson: If you’re in a partnership and keeping finances separate, have a conversation about the why behind it. Shana’s client, who is about to go on maternity leave, realized she and her husband never really discussed joining their finances, and this conversation opened up a path for new possibilities.
- Takeaway: Working as a financial team not only helps pool resources but strengthens communication, trust, and bigger financial goals. Try combining finances and focusing on shared dreams – you’ll be surprised at the results!
Take the Credit Cards Out of Your Wallet! 👜
- Lesson: If debt is an issue, one big step toward cutting spending temptations is removing those credit cards from your wallet – both physical and digital. Shana and Vanessa recommend going cash-only or debit-first as a powerful way to start breaking away from credit dependency.
- Takeaway: Saving on interest payments is only half the reward; the real benefit is the sense of control that builds as you rely on your cash flow. Use this time to reset and see how much further you can go with what’s yours!
Non-Negotiable Income Goals for Business Owners 💇‍♀️💵
- Lesson: Vanessa worked with a business-owning client to calculate a “non-negotiable” monthly goal – the bare minimum her hairdresser client needs to meet personal expenses. From there, they created good-better-best financial targets, so she has a clear vision for growth!
- Takeaway: If you’re a business owner, set a minimum income goal, then build it up to reach milestones like debt paydown, savings, or even a vacation! This clear, numbers-based plan can transform the way you approach your month.
Negotiate Your Monthly Bills – Seriously! 📞💡
- Lesson: In one session, Shana’s clients saved over $4,000 a year just by making a few phone calls to their phone, internet, and credit card companies. By checking with providers for new plan options and promotions, they cut unnecessary costs and created new financial wiggle room.
- Takeaway: Block out some time to call your service providers and ask about promotions, loyalty discounts, or re-evaluations. Even a few dollars here and there add up to thousands annually!

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

This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase!

321 | November Budget Basics: Wrapping Up October and Planning for the Holidays

Mon, 28 Oct 2024 10:04:00 -0400

Welcome back, budget besties! 🎙️ It's that beautiful time of year – cooler weather, cozier vibes, and (for many of us) packing up Halloween decorations and settling into November! Join Shana and Vanessa as we get ready to give our finances a warm fall reset, making sure every dollar has a place before holiday spending kicks in!

Wrap Up October: Before diving into November, we’re closing out October with style! Shana and Vanessa walk us through how to finalize last month’s budget – checking those actuals, updating debt and asset totals, and making sure everything adds up before moving on.
Build Your November Budget: First step? Income. We're talking all types, from base pay to side gigs, bonuses, and even tips! Get every dollar accounted for so you can see exactly how much you're working with.
Prioritize Debts and Bills: Place your debts and bills at the top of your budget list! Vanessa explains why these need to be "front and center" and how facing the numbers can help you set goals for payoffs and future freedom.
Spending Categories: This is where life happens – groceries, gas, haircuts, you name it. Shana and Vanessa emphasize the importance of pocket money – we work hard, so everyone deserves a little something extra for themselves without feeling guilty!
Planning for November Events: Veterans Day, Thanksgiving, fall school breaks, and yes, Black Friday! This episode is full of reminders for special November line items to avoid any budgeting surprises. Planning for gifts, holiday prep, and even future Christmas spending starts now!

Don’t Skip the Wrap-Up: October might be behind us, but we don’t move on without first seeing how it all turned out! Closing out the month gives us a chance to adjust and improve for November.

Income, Debts, Bills – Then Play Money: The flow of a balanced budget lets you see exactly where your money is going. We cover why it’s important to calculate what’s leftover after the essentials so you can decide if it’s going toward fun or goals.

In This Episode:Key Takeaways:Holiday-Ready Budgeting: Shana and Vanessa remind us of upcoming holiday expenses and why budgeting for events like Black Friday, Small Business Saturday, and holiday travel now can reduce stress later.

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

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320 | Breaking the Cycle: Getting Ahead When Monthly Budgeting Feels Overwhelming

Fri, 25 Oct 2024 10:04:00 -0400

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

This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase!

319 | Transform Your Money Habits: From Living Paycheck to Paycheck to Financial Peace

Wed, 23 Oct 2024 10:04:00 -0400

Hey, budget besties! It’s Shana and Vanessa here, and we’re beyond excited to bring you this episode that comes from a chat we had with the amazing Holly Logan from the Holly Logan Health podcast! We chat all things automating your money and keeping it simple—just the way we like it. We dive into our favorite systems and strategies that help take you out of the equation (because let’s be real, when we have to do too much work, it usually doesn’t get done!). We talk about the importance of separating your accounts, naming your goals, and using our paycheck plan method to automate everything from groceries to savings for that next vacation or your kids' sports. We even share our own stories—how we went from paycheck-to-paycheck stress to financial freedom—and why we believe everyone can create a budget that fits their values and lifestyle. If you’re feeling overwhelmed by money or think budgeting is too complicated, tune in for a conversation that’s fun, friendly, and all about taking the stress out of managing your money. Whether you’re saving for Portugal, Christmas, or just trying to get a handle on your bills, we’ve got you covered!

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

This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase!

318 | Eliminate Financial Stress: The Power of Automating Your Spending and Savings

Mon, 21 Oct 2024 10:04:00 -0400

In this episode, Shana and Vanessa dive into the magic of automating your budget—because, let’s be real, we’re all way too busy to manage every little detail ourselves! Whether you’re an entrepreneur, a nurse, or juggling a household, automating your finances can be a game-changer. Imagine having your bills, savings, and spending all running smoothly without lifting a finger. Sounds like a dream, right? We’re here to show you how!

Key Takeaways:

Why Automate Your Finances?

Reduces Decision Fatigue: Let’s face it—our days are packed with decisions. Automating your finances means one less thing to worry about.
Consistency & Stress Reduction: Automation ensures that your money moves predictably and consistently, giving you peace of mind.
Frees Up Time: By setting everything up in advance, you gain more time to focus on what really matters—like spending time with family, pursuing your passions, or simply resting.

Where to Start with Automation:

Bills: Set up a separate bills account where your paychecks go, and all bills are paid automatically. No more worrying about missed payments!
Spending: Automate transfers for groceries, gas, eating out, and more. This keeps your spending organized and prevents overspending.
Savings: Establish automated transfers to savings buckets for things like vacations, holidays, or emergencies—so your savings grow without you even thinking about it.
Investments: You can also set up recurring investments to build wealth automatically, whether it’s monthly or per paycheck.

Breaking Down the Automation Process:

Start by doing a 90-day audit to understand your spending habits.
Separate your accounts (bills, spending, and savings) to create clarity and control.
Automate paycheck transfers based on your budget—make sure every paycheck is working for you in the same way each time!

Tips for Successful Automation:

Avoid direct deposits for specific categories from your HR department; set up everything through your bank instead for more control.
Turn off overdraft protection to ensure you’re only spending what’s actually in your account.

Why Automation Leads to Budget Success:

Once set up, your entire budget operates automatically—saving time, reducing stress, and helping you build wealth consistently. As you stick with this system, you’ll find that managing your money becomes simpler and less overwhelming.

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

This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase!

317 | How To Save On Groceries: Budget-Friendly Meal Planning with Plandy Mandy

Fri, 18 Oct 2024 10:04:00 -0400

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:

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

This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase!

316 | Rewriting Your Financial Story: How Women Can Win with Money

Wed, 16 Oct 2024 10:04:00 -0400

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

This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase!

315 | The Bougie Woman’s Guide to Budgeting Without Feeling Restricted Or Using Credit Cards

Mon, 14 Oct 2024 10:04:00 -0400

In this episode, we dive into the world of being "bougie" without losing control of your budget. If you’ve ever felt like you’re keeping up with the Joneses, but your bank account feels the strain—this one’s for you! We’re here to show you how you can prioritize what’s important to you, own your bougie lifestyle, and make it work within your budget. No need for credit cards to fund the fancy life—we’re talking freedom through intentional spending.

Key Takeaways:

Bougie is Personal: Your bougie lifestyle is unique to you—whether it’s travel, beauty products, or even grooming your poodle (Shana’s got some dog-mom bougie life happening).
Budgets = Freedom: A budget isn’t restrictive—it’s freeing! You get to decide where your money goes, so you can live your version of a bougie life without guilt or debt.
Prioritizing Bougieness: Want those luxury items or experiences? Awesome! You just need to prioritize, maybe cut back on some less important expenses (like subscriptions you never use) and reallocate that money to what really matters to you.
Savings for Bougie Spending: From monthly splurges to annual luxuries like vacations, it’s all about planning ahead. Setting up savings buckets lets you have the fabulous life you want—on purpose, not on credit.

Fun Fact: Vanessa’s client spends $24,000 a year on travel, unapologetically! They budget $2,000 a month for it, because travel is where they choose to be bougie—and it’s all planned.

Bougie Tip of the Week: Instead of feeling guilty about splurging on things that bring you joy, embrace your bougie lifestyle and plan for it in your budget. Whether it’s fancy hair products or private school tuition for your kids, when it’s intentional, you don’t have to apologize.
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

This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase!

314 | The Stress-Free Way to Manage Money as a Busy Mom

Fri, 11 Oct 2024 10:03:00 -0400

In this inspiring episode, Shana and Vanessa sit down with Chelsea, a nurse practitioner, business owner, wife, and mother of three, who transformed her chaotic financial situation into one of clarity and control. Chelsea opens up about her long struggle with debt, credit cards, and financial overwhelm, and how a simple, personalized system changed everything for her and her family.

Chelsea talks about the pressures of managing finances with multiple income streams, a busy lifestyle, and the weight of feeling financially stuck. She shares how using other financial systems made her feel defeated and confused, until she found Shana and Vanessa’s coaching and their easy, automated budgeting system. In just six months, Chelsea and her family paid off nearly $30,000 in debt while still enjoying life—including family camping trips, fishing outings, and more!

If you’re juggling a busy career, family life, and financial stress, Chelsea’s story will encourage you to embrace simplicity, make time for financial clarity, and understand the power of small, consistent changes.

Financial Systems Should Work for You: Chelsea shares how the mindless simplicity of the Budget Besties system allowed her to focus on life while her money worked in the background.

Shame-Free Coaching: One of Chelsea’s biggest breakthroughs was releasing the embarrassment she felt around money, thanks to the non-judgmental, supportive approach of Shana and Vanessa.

Planning for Real Life: From unexpected camping trips to big expenses, Chelsea learned how to budget in a flexible way that kept her on track without feeling restricted.

Key Takeaways:Breaking Generational Cycles: Now, Chelsea and her husband are teaching their kids about money in a healthy, proactive way, ensuring they don’t repeat the same financial mistakes.

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

This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase!

313 | Dave Ramsey’s Tough Love vs. Our Practical Approach to Building Wealth and Multigenerational Family Homes

Wed, 09 Oct 2024 10:04:00 -0400

In today’s episode, we react to a call Dusty made on The Ramsey Show, seeking advice about building a home on his family’s land. Dusty was met with some tough love from Dave Ramsey, but we have our own perspective on the situation! We unpack what Dusty’s real question was—how to build the house while staying financially stable—and highlight how the advice given missed the mark.

We discuss the importance of personalizing financial decisions to fit your unique situation, and how every budget needs to reflect your specific dreams and goals. We also explore the idea of multi-generational living, something that's close to many hearts, and how you can make it work financially without losing sight of family values.

This episode is all about speaking life over your financial journey and encouraging you to make choices that align with your dreams, even if they look different from mainstream advice. Dusty’s call was a reminder that your budget is yours—no one-size-fits-all approach works when it comes to building your financial future.

It’s YOUR Journey: Budgeting isn’t one-size-fits-all. What worked for Dave might not be the right move for Dusty or YOU.

Multi-Generational Living: A dream for many families! Shana and Vanessa share their take on making it work your way—financially stable and family-focused.

Financial Flexibility: Sometimes it’s okay to go against the "rules" if it helps you live the life you want. Your budget should help you build your dreams, not box you in.

Key Takeaways:The Power of Encouragement: Speak life into your financial journey. Harshness won’t get you to your goals; encouragement and clarity will.

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

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312 | Creating a Realistic Budget: How to Plan for Unexpected Expenses and Stop The Credit Card Cycle

Mon, 07 Oct 2024 10:04:00 -0400

Hey Budget Besties! 💸 In this episode, we’re diving deep into some real-life coaching moments that we know so many of you can relate to. Vanessa and Shana share stories from their one-on-one calls with clients who are working hard to break free from complicated financial webs.

From entrepreneurs with credit card chaos to single moms juggling overwhelming payments, we talk about the common struggle of using credit as a budget (we’ve all been there!) and how to make the shift to a more intentional spending system. You'll hear about a hair salon owner drowning in Amex payments and a single mom trying to untangle 30 (!) Affirm payments — yikes!

But here’s the good news: it’s never too late to face the music and start turning things around. Whether you're trying to reduce debt, manage business finances, or just stop overspending on Amazon, we’ve got practical tips and a whole lot of encouragement.

Key Takeaways:

Stop Using Credit as a Budget: Many people rely on credit cards like a security blanket, but this approach only adds layers of complication. Let's break the habit of swiping without thinking and start tracking where our money is going.
Face the Numbers: One of the hardest steps is to sit down and really look at your finances, but it’s a necessary step to get ahead. Knowing your numbers is key to building a budget that works for you.
Budgeting Isn’t One-Size-Fits-All: No two budgets are alike! Whether you’re dealing with business expenses, personal debt, or a mix of both, your plan needs to reflect your unique situation. Let’s get clear on your income, your goals, and the reality of your lifestyle.
Break Free from Affirm and Buy Now Pay Later: If you don’t have the full amount set aside for a purchase, you can’t afford it! Period. Future you will thank you for not putting that burden on them.
Simplify to Succeed: Uncomplicating your finances by reducing debts and having fewer transactions to manage means less stress and more clarity. It’s all about creating a simple, workable plan that moves you toward 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

This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase!

311 | Stop Living Paycheck to Paycheck: A Fresh Take on Budgeting with Financial Freedom

Fri, 04 Oct 2024 14:02:23 -0400

Hey Budget Besties! 👋 We’re bringing you one of our all-time favorite chats with the amazing Kali Brigam from the Tick Talk podcast. This episode is packed with juicy financial insights on how to finally get a handle on your money without giving up life’s little pleasures (yes, you can keep your pumpkin spice lattes!). Whether you’re tired of living paycheck to paycheck or you’re ready to crush debt and set big financial goals, this conversation is for you.

We are breaking down our go-to strategies for mastering your finances:

Budget First Steps: Start by grabbing your bank and credit card statements from the last 90 days, grab some highlighters, and start tracking where your money is actually going. Spoiler alert: You’ll probably be shocked at your restaurant spending 😬 but that’s okay—we’ve all been there.
Building a Simple System: We explain how to set up separate accounts for bills and spending so you always know where your money is going without the stress. Imagine a world where you're not surprised by your bills each month, and you've got money tucked away for that emergency flat tire! 🙌
Zero-Based Budgeting: Find out how to plan your paycheck down to zero on purpose. We’re all about telling your money where to go instead of wondering where it went.
Make It Fun: Budgeting doesn’t have to be boring! Set a budget date night with your spouse (beers and spreadsheets anyone?), or even make it a solo event with chocolate and good tunes.

🎙 Kali’s takeaway: Budgeting is about freedom, not restriction. It allows you to spend confidently, save for the future, and live generously without stressing over every penny.

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

This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase!

310 | You Don't Need Another Budget, You Need A Budget System

Wed, 02 Oct 2024 10:01:00 -0400

Hey Budget Besties! 💸 Let’s get real—most people think the problem with budgeting is them. But we’re here to tell you that it’s not YOU—it’s the budget! In this episode, we break down why so many traditional budgets fail and why you need a system, not just another budget. 🚫📊

They share their journey from using rigid budget templates that didn’t work (we see you, Dave!) to creating a simple, one-page, intuitive budget system that actually works. 🙌 With five clear categories—Income, Debt, Bills, Spending, and Savings—this system helps you easily see where your money is going and how to stay on top of it.

We’re ditching complicated jargon (what even are "fixed and variable expenses"? 😵‍💫) for a straightforward approach that makes it simple to manage your money. And the best part? This system isn’t just a one-time thing—it runs automatically, so you can finally stop tracking every dollar and start living without money stress!

Key Takeaways:

It’s Not About the Budget: It’s about creating a system that works for you. Most budgets out there are complicated and don’t help you know what to do with your money.
One-Page Simplicity: Our budget system is all on one page with five intuitive categories—Income, Debt, Bills, Spending, and Savings—so you can see everything at a glance.
Automatic Transfers are Life: Set up your spending and savings accounts so that they fund automatically each payday. This makes budgeting stress-free and keeps you on track without constant effort.
Savings Buckets = Peace of Mind: Stop being surprised by "unexpected" expenses like Christmas, car repairs, or your HOA dues. Start planning ahead with savings buckets that make big expenses feel small.

Stop Tracking, Start Living: Most budget tools just help you track your spending after it happens. We’re all about setting up a system that keeps you proactive, not reactive.

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

This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase!

309 | How to Stick to a Budget Without Feeling Restricted

Mon, 30 Sep 2024 10:02:00 -0400

Budgeting doesn’t have to feel like a bad B-word! In this episode, Shana and Vanessa break down why budgets are actually freeing—not restricting. Whether you feel like you’re living paycheck to paycheck or just want more clarity, this episode will help you shift your mindset and find joy in managing your money. The goal? Let your budget give you permission to spend without guilt!

What You’ll Learn:

Why budgeting is empowering, not limiting.

How to give every dollar a job so you can see exactly what your money is doing.

The freedom that comes from knowing where your money goes—and why not knowing is what actually feels restrictive.

Real-life examples of sticking to a budget while still enjoying life, including stories from Shana's teenage son and how he’s mastering his first budget.

The impact of automating your finances to reduce stress and free up your time.

How to check yourself when lifestyle creep kicks in and learn to be content with what you have.

Why seeing your budget as a tool for clarity leads to long-term financial success and confidence.

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

This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase!

308 | From Paycheck to Paycheck to Paycheck Ahead: Monique’s Story

Fri, 27 Sep 2024 10:04:00 -0400

In this inspiring episode, Shana and Vanessa chat with Monique Dixon, a certified nurse midwife and single mom, about her incredible journey to taking control of her finances. Monique shares the reality of making six figures but still living paycheck to paycheck, and how a mix of debt, stress, and feeling overwhelmed led her to seek financial coaching.

Together, they dive into how Monique, fueled by her love for her 9-year-old daughter, Victoria Queen, and the desire to break generational cycles, took the brave step to get coaching. Monique details her eye-opening experience of uncovering interest charges and fees, her struggle to get ahead, and the emotional wins of finally seeing her finances organized, controlled, and working for her rather than against her.

From paying off over $16,000 of debt to staying disciplined with a structured budget, Monique’s transformation is a testament to the power of getting help when you need it. Shana, Vanessa, and Monique laugh over concert ticket splurges and missed Frankie Beverly shows, but the episode highlights Monique’s resilience, her determination to make a better life for herself and Victoria, and the invaluable support that coaching provided.

Key Takeaways:

💡 Accountability is Everything: Monique explains how having Vanessa as her accountability partner pushed her to stay focused on her financial goals.
💸 The Power of Organization: Seeing three months of bank statements laid out helped Monique recognize where her money was going and gave her the clarity to move forward.
🏦 Paying Off $16,000 in Debt: Monique talks about the strategies she used to knock down debt fast, and how those small wins became huge motivation.
🎯 Discipline is Key: Learning to separate her spending accounts for herself and her daughter was one of the foundational steps to keeping her on track.
🙌 You Don’t Have to Do It Alone: Monique reminds listeners that there’s no shame in getting help and how coaching was the best investment she’s made in herself and her future.

Budget Bestie Shoutouts:

To all the single parents out there, we hear you! Monique’s journey is proof that no matter where you start, you can take control and change your financial story.
Victoria Queen, you're destined for greatness with a mom like Monique leading the way!

Connect with Us:

🎧 Listen and share this episode with someone who needs a little financial inspiration.
💬 Join our Facebook community of supportive Budget Besties here and let’s keep these empowering conversations 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

Get Our Simplified Budget System!

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307 | How to Make Your October Budget In 5 Simple Steps

Wed, 25 Sep 2024 10:04:00 -0400

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!

306 | The Secret to Saving Money Consistently When Life Gets Busy

Mon, 23 Sep 2024 10:06:00 -0400

Hey, Budget Besties! We know life is BUSY—whether it’s juggling kids, sports, work, or all of the above. So how do you save consistently when you barely have time to think? In today’s episode, we share their foolproof system for saving money even when your schedule feels out of control.

They dive into setting up automatic savings buckets, how to brainstorm your savings goals, and why this system can work even without a fully fleshed-out budget (though, spoiler: a budget helps!). You’ll also hear real-life examples from their coaching clients who’ve made saving money feel effortless. By the end, you’ll know exactly how to set up savings accounts that work behind the scenes, so you can focus on living life while your money grows. 🎉

What You’ll Learn:

How to set up automatic savings transfers (so money piles up without lifting a finger!)
Why identifying your specific savings goals (aka savings buckets) is key
How even small, consistent amounts can make a huge difference over time
The magic of budgeting to help you find that “leftover” money for savings
Why it’s important to look at your overall spending and decide what matters to you

Helpful Tips:

Start Small: Even if you’re only able to put $10 or $20 toward savings each month, that’s still progress. It all adds up!
Separate Accounts: Set up individual savings accounts for different goals like vacations, Christmas, or even your kids’ activities.
Automatic Transfers: Schedule transfers on your payday, so saving becomes a set-it-and-forget-it system.
Don’t Worry About Perfect: This system is flexible. Even if you can’t fully fund everything right away, you’re still better off than scrambling last minute!

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

This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase!

305 | The Missing Step: How to Turn Dave Ramsey’s Advice Into a Practical Budget

Fri, 20 Sep 2024 10:04:00 -0400

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:

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.
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.
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.
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

This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase!

304 | Pay Off Debt Faster: How One Family Cleared $13K and Reduced Money Anxiety

Wed, 18 Sep 2024 10:06:00 -0400

Welcome back, Budget Besties! We’re diving into Part 2 of a conversation that’s close to our hearts. Today, we’re talking about one of our amazing clients who worked with Shana for a year and paid off $13,000 in credit card debt. 🥳 This client’s journey is so relatable, and we think it’s going to resonate with a lot of you!

In this episode, we walk you through:

The Power of Systems: Even when our client went off the rails, the systems they put in place saved them. We’ll show you how to create a system that works for you, even on the tough days.
Credit Card Chaos: Costco cards? PayPal accounts? Store credit offers? We’re breaking down why you don’t need those tempting store credit cards and how to protect yourself from overspending.
Emergency Funds Gone Rogue: We’ve got some wild stories, including the time a client used their emergency fund to buy a sheep! 😂 Spoiler: that’s not what an emergency fund is for!
Creative Debt Payoff: Our clients got creative by selling items, taking on extra work, and finding every opportunity to throw money at their debt. We’ll show you how small efforts can lead to big wins!
Sticking to a Plan: It wasn’t always smooth sailing – there were bourbon splurges and even roof repairs – but they still managed to pay off seven credit cards and keep moving forward.

What we love most about this story is how real it is. There were setbacks, surprises, and yes, a few splurges, but they stuck to it and made progress. That’s what financial clarity looks like – moving forward, even when life happens. 💪

Key Takeaways:

Stick to the Plan, Even When Life Happens: Systems and discipline can save you from getting completely derailed.
Separate Your Accounts for Success: Setting up specific accounts for spending, saving, and emergencies can make all the difference.
Creative Income: Side hustles, selling unused stuff, and even getting strategic with spending money for events can help knock down debt faster.

Budget Together on Paydays: Making a habit of managing money as soon as you get paid helps keep spending in check and builds momentum in paying off 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

This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase!

303 | How She Paid Off $25,000 in 6 Months: Renegotiating Debt, Canceling Subscriptions, and Going Cash-Only

Mon, 16 Sep 2024 10:05:00 -0400

Hey budget besties! 💸 In today’s episode, we’re bringing you the inspiring story of one of our amazing clients who paid off $25,000 in debt—and we’re breaking it down into TWO episodes because there’s just too much to cover in one sitting! This is Part 1, so get comfy!

Our client—a mom of three with a family of four—came to us juggling $9,000/month income, multiple car loans, medical debt, a camper loan, student loans, and even a loan for new windows. Yep, it was a lot. But guess what? She not only paid off $25K in just six months, but she also made some big lifestyle changes (without giving up everything!) and learned to manage her money like a boss.

In today’s episode, we’ll talk about:

How she faced her debt head-on and got serious about making changes.
The power of renegotiating monthly minimums and cutting interest rates—because a phone call can go a long way.
How she cut out unnecessary subscriptions and requoted her auto insurance to free up even more cash.
The magic of using cash to keep spending in check. (Yep, cash envelopes might sound old-school, but they work!)
How she balanced her budget while still living her life—paying for school supplies, birthdays, a church retreat, and even pool maintenance, all in cash!

Plus, we’ll share her big wins like paying off her personal loan, credit cards, and student loans, and why getting on a budget wasn’t just about debt—it was about getting control of her life.

✨ Key Takeaway: Sometimes the biggest changes come from making small, consistent shifts. Whether it's using cash, cutting subscriptions, or renegotiating bills, little actions add up over time!

Sneak Peek at Part 2: In the next episode, we’ll dive into another client story where they paid off $13,000 in one year—so be sure to come back for all the deets!

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

This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase!

302 | Girl Math No More: Breaking Free from Afterpay, Klarna and Overspending at Target

Fri, 13 Sep 2024 10:04:00 -0400

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

This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase!

301 | The Simplest Way to Organize Your Finances in Under 10 Minutes

Wed, 11 Sep 2024 10:12:00 -0400

Hey, Budget Besties! Got 10 minutes? That’s all you need for a game-changing approach to organize your finances. In this episode, we break down the easiest and quickest way to take control of your money—without the overwhelm. If you’re ready to feel less stressed and more in charge, we’ve got you covered.

Feeling overwhelmed with your finances? We get it. Even if everything seems “fine,” we’re here to show you how it can be even better.
The power of two accounts: Keep your bills and spending separate by using two checking accounts. One for bills, one for spending. It’s that simple!
Why it works: No more wondering if there’s enough in the account for bills when you’re at the grocery store. With your bills on autopilot, you’ll only focus on your spending.
Imagine the freedom: Think of your finances like an organized closet. You’ll know exactly what’s going on, it’ll look better, feel better, and you’ll be confident about every dollar.
How to set it up: We walk you through the process of setting up a system that makes paying bills easy and stress-free.

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

This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase!

300 | From Scrappy Beginnings to 300 Episodes: Our Wild Ride to Becoming Your Budget Besties

Wed, 11 Sep 2024 10:07:00 -0400

Snag Our Simplified Budget System!
Hey, Budget Besties! 🎉 We’re celebrating a HUGE milestone today—our 300th episode! 🎧 Can you believe it?! We’re taking a little trip down memory lane to reminisce about how this journey started, the ups and downs, and what’s next for us. We’ll keep it short and sweet, but we’re so excited to share this moment with you!

How it all began: Shana accidentally started our podcast! 😆 We launched without much planning, but here we are 300 episodes later!
The early days: Picture this—recording in a warehouse, using yoga mats and umbrellas for soundproofing. It was scrappy but oh-so-fun!
Our evolution: From life coaching and health topics to fully diving into financial coaching, we’ve honed in on what we love—helping YOU manage your money with clarity and confidence.
Why we’re still here: We’ve grown so much thanks to YOU! Your emails, reviews, and feedback keep us going, and we are beyond grateful. 💖
What’s next: Expect even more episodes (we’re at 3 per week now!), continued transparency, and practical financial advice tailored to your unique life and 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

This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase!

299 | The Power of Habit Loops: Transform Your Health, Mindset, and Finances with Emily Nichols

Fri, 06 Sep 2024 10:04:00 -0400

In this episode, we sit down with the fabulous Emily Nichols, host of the globally ranked Habit Hack Your Health podcast. Emily shared her powerful strategies on building sustainable habits, not just for health but for all areas of life—including our finances! With her practical tips and refreshing perspective, you'll learn how to ditch the drama, focus on the data, and create healthy habits that stick.

Key Takeaways:

Habits Aren't About Willpower—They’re About Systems: Emily’s philosophy is simple: set yourself up for success by creating habit systems that work with your lifestyle, not against it. Small, sustainable wins are what make habits last.
The Power of Habit Stacking: One of Emily's top tips is to stack new habits with ones you already do daily. Want to practice affirmations? Pair it with drinking water, brushing your teeth, or another daily routine. That way, it's easier to make it stick.
Data Over Drama: Emily emphasized focusing on the data rather than getting lost in the emotional weight of our habits. Track your wins, celebrate your progress, and cut the self-judgment!
Budgeting as a Habit Loop: Just like with health habits, creating a budget can become second nature. Emily shared how she and her husband do a Sunday budget check-in after brunch—combining something they love (brunch!) with a financial habit they’re committed to.
Say "No" More Often: Learning to say no is a key part of habit success. Emily encouraged us to protect our priorities and not feel pressured to say yes to every ask—whether it’s time, money, or energy.

🎙️ Emily's Podcast

📸 Emily's Instagram

🌎 Emily's 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

This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase!

298 | Maximizing Your Money: Lessons from Real-Life Budgeting Challenges

Wed, 04 Sep 2024 10:04:00 -0400

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:

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.
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.
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.
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

This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase!

297 | How We Would Budget $9,500 Income A Month (Build A Budget In 20 Minutes)

Mon, 02 Sep 2024 10:07:00 -0400

Hey Budget Besties! 🚀 In this episode, we are taking on the challenge of building a complete budget in just 20 minutes. With an average income of $9,500 a month, they’ll walk you through their super easy-to-use budget system, showing you exactly where to allocate every dollar.

You'll learn how to break down your paychecks, focus on actual numbers, and give every dollar a job. They dive into the importance of tracking income separately, handling debts, and prioritizing bills—all while making sure there's room for some fun money, too! Plus, they’ll show you how to plan for savings, prepare for those sneaky "pop-up" expenses, and even put extra cash towards paying down debt.

The best part? our system takes the guesswork out of budgeting, so you always know where your money is going. It’s quick, straightforward, and perfect for anyone who’s ever said, "I just don't have time to budget." By the end of this episode, you’ll see just how doable it is to have a budget you can actually stick to!

Key Takeaways:

Separate Paychecks: Break down your income by each paycheck instead of one lump sum to update your budget accurately.
Prioritize Debt: Start with minimum payments on all debts, then see what you can do with the extra cash each month. Dream about what life could be like without those payments hanging over you!
Categorize Expenses: Keep bills and fun expenses in separate categories to get a clear picture of where your money is going.
Use Multiple Accounts: Have a separate account just for bills and debts, making it easier to track and manage your spending.
Plan for Savings: Allocate funds each month for non-negotiable future expenses—goodbye, surprise bills!
Stay Flexible: Adjust your budget as needed, especially when dealing with inflation or unexpected costs.
Get to Zero: Aim to assign every dollar a job, so you end up with a zero-based budget—on purpose, not by accident!
Track and Adjust: Keep an eye on your budget throughout the month, checking off expenses and making adjustments 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

This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase!

296 | From Conflict to Collaboration: Overcoming Money Struggles in Marriage with Therapist James Christensen

Fri, 30 Aug 2024 10:04:00 -0400

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:

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

Money isn’t just about numbers; it’s deeply tied to emotions and past experiences.
Your relationship will thrive when you make room for all of your partner, not just the parts that align with you.
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

This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase!

295 | Pumpkin Spice and Everything Budget: Make Your September Budget With Us 🍁

Wed, 28 Aug 2024 10:04:00 -0400

Hey, budget besties! 🍁 September is just around the corner, and it’s time to make sure your budget is ready to handle all the upcoming expenses—pumpkin spice lattes included! In this episode, we guide you through the process of closing out your August budget and setting up a solid plan for September. From managing unexpected expenses to stashing cash for fall festivities, we’ve got everything you need to make this a financially stress-free month.

In This Episode, We’ll Discuss:

Wrapping Up August: How to review what happened in August and make sure your budget is accurate and up to date.
Setting Up September: Step-by-step tips for creating a balanced budget for September, including all those fall expenses.
Dealing with Debt: Why we place debt at the top of the budget and how to tackle it strategically.
Prioritizing Spending: Tips for managing discretionary spending like groceries and dining out, especially if you’re still adjusting to a new system.
Adding Monthly Specifics: How to budget for unique September events like Labor Day, fall festivals, or school-related expenses.
Automating Your Finances: Why setting up automatic transfers is key to sticking to your budget with ease.

Key Takeaways:

Wrap Up August: Close out the month by checking off what you paid, noting any unplanned expenses, and making sure your budget balances.
Budget for September: Start by listing your income, debts, bills, and spending categories. Don't forget to include any specific September events!
Prioritize and Automate: Make sure you’ve got your debt payments at the top, followed by bills, and then your discretionary spending. Set up automatic transfers to make it all hands-off.
Seasonal Spending: Whether it’s a fall festival or Halloween prep, include those one-off events in your budget so they don’t catch you by surprise.

Join the Conversation: We love hearing from you! Join our Facebook group where we dive deeper into these topics and support each other in our budgeting journeys. And if you’re feeling inspired by this episode, share it with a friend who could use a little budget boost this September!

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

This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase!

294 | Balancing Needs vs. Wants: A Guide to Smarter Spending

Mon, 26 Aug 2024 22:04:00 -0400

Hey, budget besties! In today's episode, Shana and Vanessa are diving deep into the questions and concerns you've been sharing with us about spending. Whether it's struggling with compulsive spending, balancing needs versus wants, or just feeling like you’re living paycheck to paycheck, we've got you covered. We're breaking down actionable tips to help you gain control over your finances, set up a foolproof budget system, and make sure your hard-earned money is working for you—not the other way around.

In This Episode, We’ll Discuss:

The Needs vs. Wants Dilemma: How to budget without sacrificing the fun stuff.
Compulsive Spending: Why it happens and how to stop it in its tracks.
The Power of Separate Accounts: How to simplify your finances and ensure your bills, savings, and spending are all taken care of.
Budgeting When Income Changes: Tips for adjusting your budget when your income shifts.
Adding Friction to Online Spending: Practical steps to curb those late-night Amazon binges.
Finding Peace with Your Finances: How to move from feeling paycheck to paycheck to feeling in control.

Key Takeaways:

Budgeting isn’t about cutting out all the things you love; it’s about creating a plan that lets you enjoy life while still hitting your financial goals.
If you're struggling with compulsive spending, adding some friction—like removing saved payment methods or using gift cards—can help curb the habit.
Separate your accounts into categories like bills, savings, and spending to ensure you’re always on top of where your money is going.
Being more intentional with your money means setting specific goals and letting your budget guide you to them, whether that's paying off debt or saving for a big purchase.

Join the Conversation: If this episode hit home for you, we'd love to hear about it! Join our Facebook group where we dive deeper into these topics and support each other on this financial journey. And hey, if you found this episode helpful, think of one friend who could use this advice and share it with them. We’d love to welcome them into the Budget Bestie family!

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

This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase!

293 | Your First $10K: How to Budget, Save, and Stop Relying On Credit Cards

Fri, 23 Aug 2024 10:04:00 -0400

In this episode, we’re hanging out with Jess, a dedicated dietitian with a big financial goal—saving her first $10,000! We’re diving deep into practical steps to take control of your finances and make that first major milestone a reality. Whether you're trying to break free from the paycheck-to-paycheck cycle or want to feel more intentional with your money, this episode is for you!

What We Covered:

The Importance of a 90-Day Review: Why printing out your last three months of credit card statements is crucial to understanding your spending habits.
Creating a Realistic Budget: How to use your actual spending patterns to set a budget that reflects your real life and future goals.
Weaning Off Credit Cards: The benefits of using debit cards over credit, and strategies for breaking the cycle of relying on credit cards for everyday expenses.
High-Yield Savings Accounts: How to set up a savings account that earns more interest than your typical bank account.
Setting Up a Financial System: The power of multiple checking accounts to manage bills, spending, and savings more effectively.
Balancing Fun and Financial Goals: How to allocate money for fun without compromising your savings goals.

Budget Besties Takeaway: You’re never too young (or too old!) to start planning for big financial goals. By setting up a system that works for you, you can confidently manage your money, hit that $10K, and set yourself up for long-term success. Remember, it’s all about being intentional with every dollar and making sure your money is working for you, not the other way around!

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

This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase!

292 | From Overwhelm to Organized: Simplifying Finances for Business Owners

Wed, 21 Aug 2024 10:04:00 -0400

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:

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!
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.
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!
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.
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

This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase!

291 | Back to School, Back to Budget: Reclaim Routine After a Summer-Spending Hangover

Mon, 19 Aug 2024 10:04:00 -0400

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:

Summer Audit: Why it’s crucial to review your summer spending and how to use that information to plan for next year.
90-Day Audit: Skip the summer chaos and revisit your March-May budget to get a clearer picture for fall.
Fall Budget Setup: Step-by-step guide to refreshing your budget, updating automatic transfers, and ensuring your spending categories are all set.
Payday Prep: Tips to streamline your payday process so everything gets done without stress.
Routine & Planning: How to create a consistent budget routine that works with your new fall schedule.

Key Takeaways:

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.
Budget Refresh: Go back to your spring expenses to recalibrate your budget for the more structured fall months.
Automation Check: Ensure your automatic transfers are up-to-date, reflecting any changes in your budget.
Payday Routine: Establish a routine for payday to make sure all your financial tasks get done promptly.
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

This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase!

290 | Stress-Free Budgeting, Marriage & Money Tips, and Teaching Kids Financial Literacy

Fri, 16 Aug 2024 10:04:00 -0400

Listen in on our conversation with our friend Marina Tolentino from The Work Like A Mother Podcast.

Highlights:

Shana and Vanessa share their podcasting journey, from starting on a whim to getting serious about consistent content creation.
Insight into their strategy of recording and publishing three episodes a week, which led to their podcast’s success.
The importance of dreaming together and having regular financial meetings.
Tips for balancing different spending habits within a relationship.
Using “we” and “our” language to foster teamwork in financial planning.
The benefits of separating accounts for bills, groceries, and personal spending.
Practical steps for setting up an automated budgeting system.
Overcoming the overwhelm of financial planning with a one-page budget template.
Strategies for managing finances with inconsistent income, such as for realtors or entrepreneurs.
The importance of having reserves and creating a holding account.
How to balance enjoying life and saving money.
The concept of savings buckets and prioritizing spending based on personal values.
Starting with small investment percentages and gradually increasing them.
The importance of visualizing retirement and setting realistic financial goals.
Starting financial education early and incorporating money talks into everyday life.
Using allowances and spending categories to teach responsibility.
Practical advice for mindful spending and managing the ease of online shopping.
The benefits of having a separate account for personal spending money.

Key Takeaways:

Automate Finances: Set up automatic transfers to separate accounts for bills, groceries, and personal spending to simplify money management.

Regular Financial Meetings: Schedule monthly meetings to review finances, set goals, and stay aligned as a couple.
Savings Buckets: Plan for annual expenses by setting up savings buckets for things like vacations, holidays, and big purchases.
Teach Financial Literacy: Start teaching kids about money as early as possible, using allowances and real-life examples.
Personal Spending Accounts: Use separate accounts for personal spending to avoid overspending and ensure clarity.

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

This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase!

289 | 11 Personal Finance Statistics You Need to Know

Wed, 14 Aug 2024 10:03:00 -0400

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:

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.
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!
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.
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.
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

This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase!

288 | Breaking the Habit: How to Stop Using Credit Cards for Good

Mon, 12 Aug 2024 10:04:00 -0400

Ready to break free from credit card reliance? In this episode, we guide you step-by-step on how to stop using credit cards and start paying with cash. 💳🚫➡️💵

Highlights:

Why Stop Using Credit Cards?
Breaking the habit of using credit cards can be tough, but it's essential for getting out of debt. Using credit responsibly is possible, but many of us fall into the trap of relying on it as a budget.
First step? Recognize the need to stop adding to your debt to truly pay it off for good.
The 90-Day Audit:
Print out your credit card statements from the last 90 days.
Highlight all your spending to see where your money is really going.
Visit budgetbesties.com/90dayaudit for a checklist to help you get started.
Creating a Budget:
Use the information from your 90-day audit to build a budget.
Include all your income, debts, bills, spending, and savings. This will give you a clear picture of your finances.
If you find your income doesn’t cover your expenses, start identifying smaller bills to move off your credit card and onto your debit card.
Transition to Cash Payments:
Identify which expenses you can start paying with cash (or debit) immediately.
If you can’t switch everything at once, start with small bills and gradually move to paying everything with cash.
Adjusting Your Mindset:
Embrace the identity of someone who pays cash for everything.
Trust in yourself and your bank account. Build the habit and confidence to rely on your actual money, not credit.
Practical Steps to Success:
Set up separate accounts for bills, spending, and savings.
If you’re carrying a balance, commit to paying it down with any extra money in your budget.
Remember, it might sting to see that balance carry over, but it’s a necessary step to financial freedom.

Key Takeaways:

Conducting a 90-day audit is crucial to understanding your spending habits and making necessary adjustments.
Transitioning to cash payments may be tough initially, but it sets you up for long-term financial health.
Building a reliable budget and sticking to it is essential.
Changing your mindset and habits around money use is the cornerstone of financial success.

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

This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase!

287 | Mastering Money and Homeschooling: Nicole's Path to Success

Fri, 09 Aug 2024 10:10:00 -0400

Welcome back, budget besties! In today’s episode, Shana and Vanessa chat with the incredible Nicole, who has been a client since last September. Nicole shares her inspiring journey of overcoming financial chaos and achieving financial clarity with the help of our coaching.

Key Takeaways:

Meet Nicole:

A dedicated mom, wife of 29 years, and homeschooler of seven kids, including her own three children and four adopted siblings.
Writer of science curriculum and co-host of a popular podcast, turning side gigs into full-fledged businesses.
Faced financial struggles managing three businesses and household finances before seeking coaching.

The Financial Challenge:

Nicole and her husband were in significant debt, causing stress in their marriage and daily life.
Reached out to multiple sources for help but was often turned down or advised to declare bankruptcy, which wasn't an option due to their home equity.

The Turning Point:

Discovered Shana and Vanessa’s podcast and immediately signed up for coaching, feeling an instant connection.
Determined to make a change, Nicole approached coaching with an all-in attitude, ready to follow every piece of advice.

The Coaching Experience:

Overcame initial embarrassment and challenges by facing the truth of their financial situation.
Implemented savings buckets, automatic transfers, and structured budgets for both personal and business finances.
Achieved the ability to manage four budgets in just three hours a month, gaining mental peace and control.

Big Wins:

Paid off over $42,000 in debt during the coaching period.
Transitioned from a mindset of fear to one of empowerment, now managing finances with confidence and clarity.
Encouraged others to embrace coaching for its transformative power, whether they have significant financial issues or just need better organization.

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

This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase!

286 | From Overwhelmed to Organized: Mastering Money Management

Wed, 07 Aug 2024 10:04:00 -0400

In today's episode, we dive into some amazing success stories from our clients that will inspire and motivate you on your own financial journey. 💪✨

Highlights:

A Couple’s Journey to Financial Harmony:
One of our favorite clients shared a heartwarming story about her fiancé noticing the positive impact of our coaching sessions. "Can you tell them it's working?" he asked, seeing their finances transform.
This couple is tackling their finances together, and for the first time, our client knew exactly where all their money went. It's not just about feeling like an adult but feeling purposeful with their money.
The Power of Simple Systems:
We discussed how our straightforward, easy-to-follow system is designed based on your actual spending habits. Bills on the desk, spending from the wallet – it all makes sense and works!
Some clients take a few months to see the system work, but the results speak for themselves.
Overcoming Financial Chaos:
One client had multiple bank accounts and investments she didn't understand. We streamlined her finances, consolidated accounts, and created a clear, manageable budget.
They shifted from weekly to monthly bill payments, bringing clarity and ease to their financial planning.
Being Generous with Spending:
Understanding spending habits is crucial. One client labeled herself a spender, and we adjusted their budget to accommodate that while still paying off debt.
It’s all about balance and making the system work for your lifestyle.
Listening and Learning:
Our client who listens to the podcast and applies everything she learns. She’s all in, prepared to get ahead on paychecks, and even worked her elopement funds into the budget!
Breaking Down Walls:
Another client, a single mom and entrepreneur, had a breakthrough moment after a tough coaching session. Sometimes, allowing yourself the grace to pass and trying a new approach can change everything.
The Emotional Weight of Finances:
Money issues carry a lot of emotional weight. We’re here to help you lift that burden, offering a safe space to discuss and manage your finances.
Asking for Help:
It’s okay to ask for help! From childcare to business fees, reaching out for support can make a significant difference.
Bouncing Back from Financial Missteps:
A new client learned a valuable lesson after spending deferred debt payments. We set her back on track with a clean slate and reinforced the importance of setting up separate 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

This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase!

285 | Financial Freedom: How to Stop Living Paycheck to Paycheck

Mon, 05 Aug 2024 10:00:00 -0400

Episode Summary: In this episode, we tackle the all-too-common issue of living paycheck to paycheck. They delve into the mindset and behaviors that keep many of us trapped in this cycle and share practical tips to break free. Whether you're making good money or just starting out, they offer strategies to help you manage your finances better, set big goals, and ultimately achieve financial clarity and freedom.

Key Points:

Understanding Paycheck to Paycheck Living:
- Definition and common scenarios.
- The stress and limitations it brings.
Common Mistakes That Keep You Stuck:
- Relying on a single bank account for all transactions.
- Focusing on paychecks rather than monthly budgeting.
- Lifestyle inflation without intentional planning.
- Relying on credit cards as a budgeting tool.
Recognizing the Signs:
- Waiting to pay bills until payday.
- Splitting bills due to lack of funds.
- Constantly checking the bank account balance.
- Spending every dollar before the next paycheck.
Steps to Break the Cycle:
- Conduct a 90-day review of your finances.
- Set inspiring, big-picture goals.
- Create a budget that includes income, debt, bills, spending, and savings.
- Separate accounts for bills and spending.
- Develop a consistent paycheck plan.
The Importance of Intentional Spending:
- Avoiding unregulated lifestyle inflation.
- Setting up savings buckets for intentional spending.
- Learning to enjoy financial stability over the allure of credit card points.

284 | Debt Payoff Strategies: Is Selling Stocks Worth It to Pay Off Your 401k Loan?

Fri, 02 Aug 2024 10:04:00 -0400

In this episode, we sit down with Budget Bestie Natalie, who’s navigating the tricky waters of paying off debt while managing investments. They discuss strategies for handling 401k loans, the pros and cons of selling stock to pay off debt, and the importance of sticking with long-term investments.

Key Points Discussed:

401k Loan Payoff:
- Natalie’s excitement about paying off her 401k loan by October.
- The unexpected tax issues that delayed the payoff.
Investment Decisions:
- Natalie’s work-provided stocks and whether to sell them to pay off debt.
- The wisdom of keeping investments intact for long-term growth.
- Shana shares a personal story about her grandfather’s Walt Disney stock.
Debt Payment Strategies:
- Why using investments to pay off debt is usually not recommended.
- The pitfalls of short-term fixes like 0% credit card transfers.
- The importance of addressing the root causes of debt, such as spending habits and mindset.
Snowball vs. Avalanche Method:
- Comparing debt repayment methods.
- When to prioritize high-interest debt over larger payments like car loans.
Budget Adjustments:
- Handling a negative monthly budget.
- Balancing necessary savings with debt payments.
- Practical tips for contacting creditors to negotiate lower interest rates.
Group Coaching Benefits:
- Natalie’s positive experience with group coaching.
- The value of a supportive, non-judgmental community.
- How group coaching provides diverse perspectives and accountability.

Actionable Takeaways:

Focus on keeping investments for long-term growth unless they’re underperforming significantly.
Tackle high-interest debts first to minimize overall interest paid.
Review and adjust your budget regularly to accommodate changing expenses, such as back-to-school costs.
Consider group coaching for support, accountability, and diverse financial strategies.

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

This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase!

283 | Budgeting for Back To School Shopping

Wed, 31 Jul 2024 10:03:00 -0400

In this episode, we tackle the often overwhelming task of budgeting for back-to-school expenses. We chat about common challenges, share our own back-to-school experiences, and give you practical tips to help you, our budget besties, plan effectively for the upcoming school year.

Key Points:

Back to School Stress:
Are you feeling unprepared for the costs associated with the new school year?
It’s common to underestimate these expenses and feel surprised every year.
Common Expenses:
School Supplies and Tech: Notebooks, pens, computers, and other tech gadgets.
Clothing and Uniforms: From everyday wear to sports uniforms and shoes.
Fees: Activities, lab fees, parking, graduation, and more.
Health and Hygiene: Haircuts, first aid kits, hygiene products.
Food and Snacks: Adjusting grocery budgets for school lunches and snacks.
Transportation: Car maintenance, parking passes, and more.
Extracurriculars: Club dues, sports fees, music lessons, and equipment.
Miscellaneous: Home study areas, planners, spirit wear, yearbooks, school photos.
Planning Tips:
Set Up a Kid's Savings Account: Designate a specific savings bucket for school expenses.
Take Advantage of Sales: Utilize back-to-school sales, tax-free weekends, and grocery store deals.
Budget Year-Round: Estimate the total cost and start saving monthly to ease the burden when the time comes.
Be Selective: Decide on necessary expenses versus optional ones.
Practical Steps:
Estimate Total Costs: Don’t aim for perfection; a rough estimate is better than none.
Monthly Savings: Start saving a specific amount each month starting now for next year's expenses.

Final Thoughts: We emphasize that while back-to-school budgeting can be daunting, planning and setting aside funds throughout the year can significantly reduce stress and financial strain. We encourage you, our budget besties, to take control, be prepared, and enter the new school year with confidence.

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

This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase!

282 | Bills & Your Budget: Common Mistakes To Avoid

Mon, 29 Jul 2024 10:04:00 -0400

Hey there, budget besties! 🎙️ It's Shana and Vanessa here, and we know you sometimes feel like your bills are playing hide and seek with your bank account. Today, we're diving into the top 12 mistakes that make your finances feel super messy and how to avoid them. Let's get into it!

Episode Highlights:

One Account Chaos

Keeping all transactions in one account is like trying to find a needle in a haystack. Solution? Separate your accounts for bills, spending, and savings to get a clear view of your finances.
Multiple Payment Methods

Using different accounts and cards for bills? That's a recipe for confusion. Stick to one account for bill payments to keep things simple and trackable.
Duplicate Payments

Ever paid for Netflix twice? Consolidate all transactions into one account to spot and eliminate duplicate payments.
Overlooked Subscriptions

Those $4.99 subscriptions add up! Regularly review and clean up subscriptions to save money.
Missing Out on Requotes

Not requoting your insurance annually? You could be missing out on savings. Call a broker to get the best deals.
Avoiding Auto-Pay

Afraid of auto-pay? It’s your new best friend. It can save you money and prevent late fees.
Skipping Paperless Billing

Go paperless to reduce clutter and sometimes save money with discounts.
Not Using ACH Payments

ACH payments often come with fewer fees. Make sure to use them to save a bit more.
Overdraft Fees

Overdraft fees are money down the drain. Set up alerts and keep track to avoid these sneaky charges.
Late Payment Fees

Missing due dates costs you. Set up auto-pay and reminders to keep late fees at bay.
Not Reviewing Your Bills

Always check your bills for unexpected charges or increases, especially after promotional periods end.
Forgetting Annual and Quarterly Bills

Annual and quarterly bills can sneak up on you. Set up a separate savings account to prepare for these.

Action Steps:

Separate Your Accounts: Create a dedicated bills account and automate your payments.
Review and Requote: Regularly review your bills and requote services like insurance annually.
Track Subscriptions: Keep an eye on subscriptions and cancel those you don’t use.

We know it's a lot, but trust us, tackling these mistakes will simplify your financial life and save you money. Start with the biggest impact change: separate your bills account and automate your payments.

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

This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase!

281 | Practical Tips for Women to Build Wealth and Confidence with Money

Fri, 26 Jul 2024 10:03:00 -0400

Hey budget besties! This episode is all about breaking down the barriers and fears women have around the concept of wealth. We’ll dive into why the word "wealth" can be intimidating, share personal stories, and offer practical steps to help you start building the financial future you deserve.

This episode is from a conversation we had with our friend Holly Logan from the "Lead with Empathy" podcast. Go check her out on Spotify!

Key Takeaways:

Redefining Wealth:
Wealth isn't just for the elite—it's for all of us! It’s about living the life you want and achieving your personal goals.
Women often shy away from the term "wealth," but it’s time to change that mindset and own our financial power.
90-Day Review:
Start by doing a 90-day review of your bank and credit card statements.
Categorize your spending to see where your money is going. This is the first step to creating a realistic budget.
Creating a Budget that Works:
Use real numbers from your 90-day review to create a budget.
Prioritize your values and allocate your money where it matters most to you.
Bougie on a Budget:
Yes, you can enjoy the finer things in life without breaking the bank!
Identify areas where you can cut back and redirect that money to what truly makes you happy.
Automating Your Finances:
Set up multiple accounts for different purposes (bills, spending, savings).
Automate transfers to ensure your money goes where it needs to without constant manual effort.

Practical Tips:

90-Day Review:
Grab your bank statements from the past three months.
Use different colored highlighters to categorize your expenses (bills, groceries, gas, fun money, etc.).
Identify areas where you can cut back and reallocate funds.
Budgeting:
List all your income and essential expenses first.
Allocate remaining funds to your priorities and goals.
Use a budgeting tool or app to keep track of your spending.
Automating Savings:
Set up separate savings accounts for different goals (e.g., vacation, emergency fund, holiday shopping).
Automate transfers to these accounts on payday.
Managing Debt:
Decide whether to focus on paying off debt aggressively or balancing debt repayment with savings.
Remember, it’s about what works best for you and your financial 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

This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase!

280 | Plan, Save, and Succeed: August Budget Strategies

Wed, 24 Jul 2024 10:04:00 -0400

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

This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase!

279 | How to Budget and Spend Money with Confidence 💸: A Step-by-Step Guide for Stress-Free Spending

Mon, 22 Jul 2024 10:01:00 -0400

Hey Budget Besties! 🎉

Welcome back to another episode of our podcast, where we are here to help you take control of your spending money with confidence. Today, we're diving deep into understanding what counts as spending, setting up the right budget, and creating systems that make managing your money easy peasy, lemon squeezy! 🍋

Episode Highlights:

Understanding Spending:
Spending isn’t your bills, debts, or savings. It’s everything else!
Categories to consider: gas, groceries, pocket money, kids’ money, restaurants, family fun, entertainment, haircuts, babysitter money.
Simplifying Your Budget:
Stick to five categories: income, bills, debt, spending, and savings.
Keep it straightforward and manageable to avoid confusion.
Setting Up for Success:
Decide on a monthly budget for each category.
Choose between cash envelopes or digital accounts.
Name your accounts for fun and clarity (e.g., “Family Fun,” “Gas Money”).
Creating a Paycheck Plan:
Split your monthly budget into paycheck-specific amounts.
Automate transfers to your spending accounts.
Enjoy the freedom of knowing exactly how much you can spend each month.
Making Spending Easy:
Check your account balance before making a purchase.
Bring your kids into the conversation to teach them financial literacy.
Adjust and personalize your categories as needed to fit your lifestyle.

Key Takeaways:

Know Your Spending: Recognize what’s truly spending vs. bills, debts, or savings.
Keep It Simple: Use clear, easy-to-understand categories.
Plan Ahead: Set up your budget and accounts so you can spend with confidence.
Stay Flexible: Adjust your spending categories to suit your unique needs and habits.

Fun Tips:

Name Your Accounts: Add a personal touch to your accounts with fun names like “Date Night Fund” or “Kids’ Adventure Money.”
Teach Your Kids: Empower your kids by letting them help manage their own spending money.
Use Cash: Sometimes cash can help you stay more accountable and even get some discounts!

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

This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase!

278 | Addressing Money Problems in Marriage and Raising Financially Literate Kids

Fri, 19 Jul 2024 10:01:00 -0400

Hey budget besties! 🎙️ This week, Shana and Vanessa dive into a heartfelt conversation with Jaylin, a mom of three who's ready to take charge of her family's finances. If you've ever felt overwhelmed trying to balance household budgets with a partner, this episode is for you. Join us as we explore practical steps to get on the same financial page, create a one-page budget, and even get the kids involved in smart money habits.

In This Episode, We Cover:

Starting Point: Jaylin's financial journey and her readiness to improve her money management skills.
Family Dynamics: The challenges of aligning financial goals with her husband.
Creating a Budget: Using a one-page budget template to simplify and organize finances.
Scheduling Money Talks: Setting up dedicated budget dates to discuss finances in a calm, structured manner.
Involving Teens: Teaching her 15-year-old daughter about budgeting and financial responsibility.
Support Systems: Leveraging group coaching and resources to stay on track.

Key Takeaways:

Budget Date Night: Schedule a specific time to discuss finances away from the stress of daily life. Make it fun with snacks or at a favorite hangout.
One-Page Budget: Simplify your budget by listing all expenses on one page. This helps both partners see the big picture.
Automatic Transfers: Use automatic transfers to manage different categories like groceries, gas, and pocket money.
Empowering Teens: Teach teenagers about budgeting by giving them a set amount of money to manage each month.

Stay Positive: Focus on progress and celebrate small wins to keep the momentum 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

This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase!

277 | Living Well While Paying Off Debt: Balancing Your Budget And Your Goals

Wed, 17 Jul 2024 10:03:00 -0400

Hey, budget besties! Today we’ve got some stories from our clients that we think will really resonate with you. These real-life lessons are like free coaching sessions, packed with tips and inspiration to help you on your financial journey. So, let’s get into it!

Episode Highlights:

1. Celebrating Small Wins with a Single Mom:

- Shana had a heart-to-heart with a single mom who’s saved $50K—go girl! But she also financed $3K for furniture. We dive into why people use credit even when they have cash and how it impacts our financial security.

2. Finding Balance for a Dedicated Nurse:

- Meet a nurse who’s working two hospital jobs to pay off debt. She’s giving it her all, but it’s leading to burnout. We discuss the importance of balancing hard work with self-care to stay on track without burning out.

3. Convenience vs. Cost:

- Life is hectic, and those gas station snacks and drive-thru meals can add up quickly. We share practical tips for cutting down these costs without sacrificing convenience or health.

4. The Power of a Phone Call:

- A couple we coach made a call that reduced their credit card interest from 29% to 0%, saving them $600 a month! We talk about the importance of advocating for yourself and asking for better terms.

Key Takeaways:

Credit vs. Cash: Having cash doesn’t mean security if you’re carrying debt. Focus on paying off debt to truly own your money.
Avoid Burnout: It’s crucial to find a sustainable work-life balance. You can pay off debt without sacrificing your well-being.
Small Changes, Big Impact: Cutting back on convenience spending can save you a lot. Start small and see the difference.
Advocate for Yourself: Don’t hesitate to call creditors and ask for better terms. It can make a significant difference in your budget.

4 Ways To Connect With Us:

1️⃣ FREE CALL: Book your FREE 20-Minute Financial Coaching Call now! Get personalized advice and start your financial journey ➡︎ https://www.budgetbesties.com/freecall

2️⃣ FACEBOOK: Become part of our Supportive Facebook Group. Connect, share, and learn with others mastering their budget skills ➡︎ https://www.budgetbesties.com/facebook

3️⃣ BUDGET: Grab our Signature Budget Template! It's your key to organizing and optimizing your finances effectively ➡︎ https://budgetbesties.com/budget

4️⃣ COACHING: Ready to dive deep into your finances? Sign up for 1-on-1 or Group Financial Coaching. It’s the accountability and guidance you need to make real progress ➡︎ https://budgetbesties.com/coaching

"I love Shana & Vanessa and this podcast is amazing!" < If that sounds like you, please consider rating and reviewing our show! It helps us to reach more people – just like you – to help them change their financial future. Don’t forget to follow the show so you don’t miss any episodes! And, if you’re feeling really generous, we’d be SO honored if you would share this podcast with someone.

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This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase!

276 | 20 Money Tips in 20 Minutes: Proven Budget Hacks for Success

Mon, 15 Jul 2024 10:11:00 -0400

Hey, budget besties! Get ready for a whirlwind episode where we, Shana and Vanessa, deliver 20 money tips in just 20 minutes! Buckle up for these game-changing financial strategies designed to keep us on track and feeling empowered.

Key Takeaways:

Separate Your Accounts: Have different accounts for bills, spending, and savings to keep things organized.
Savings Buckets: Create specific savings buckets for unexpected expenses and goals like travel or medical bills.
One-Page Budget Template: Simplify your budgeting with a clear, one-page template divided into five categories.
Kids’ Envelope: Allocate a set amount of money for kids' expenses to teach them responsibility and track spending.
Rename Your Accounts: Give your accounts meaningful names to prevent unnecessary spending and add some joy to budgeting.
Budget Check-Ins: Schedule regular budget meetings with notifications to stay on top of your finances.
Shop Banks: Look for banks that offer better services and lower fees; consider credit unions and those offering interest on savings.
Use Cash: Utilize cash for discounts and to keep spending under control.
Have a Vision: Define your financial goals and understand your "why" to stay motivated.
Teach Kids to Budget: Involve your kids in budgeting to build their financial literacy and future independence.
Don’t Waste Food: Plan meals and manage leftovers to reduce food waste and save money.
Personal Pocket Money: Allocate money for yourself and your spouse for personal spending without guilt.
Delete Shopping Apps: Remove or disable apps that tempt you to spend impulsively.
Avoid Buy Now, Pay Later: If you can't pay for it in full now, reconsider the purchase.
Earn Interest, Not Points: Focus on earning interest from high-yield savings rather than credit card points.
No Reliance on Debt: Acknowledge that you make enough money to avoid relying on credit.
Park Money Wisely: Keep large sums in high-yield savings or money market accounts to earn more interest.
Be Your Own Bank: Use your money to make money, and rely on your savings for big purchases and emergencies.
Automate Savings: Set up automatic transfers to savings accounts to ensure you consistently save without thinking about it.
Track Your Progress: Regularly review your financial goals and track your progress to stay motivated and make adjustments as needed.

Join us for these rapid-fire tips and transform your financial habits in no time!

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

This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase!

275 | Managing Chaos: Parenting, Careers, and Financial Harmony in Your Relationship

Fri, 12 Jul 2024 10:04:00 -0400

Episode Summary:

Join us as we chat with the incredible Kayden, a 27-year-old real estate assistant and foster parent. Together, we dive into the challenges of managing a bustling household, transitioning to a new state, and balancing multiple income streams.

Key Moments:

Dealing with the stress of joint accounts and differing pay schedules.
The importance of automating finances to simplify budgeting.
Strategies to get both partners on the same page with money management.
Prioritizing time for financial discussions and budgeting.
Understanding each partner's financial perspective to reduce anxiety.
The power of scheduling and sticking to financial meetings.

Practical Steps Forward:

Using a simple one-page budget template for clarity and ease.
Deciding on a single pay structure to streamline finances.
Setting up regular monthly meetings to review and adjust the budget.

4 Ways To Connect With Us:

1️⃣ FREE CALL: Book your FREE 20-Minute Financial Coaching Call now! Get personalized advice and start your financial journey ➡︎ https://www.myidealbalance.com/freecall

2️⃣ FACEBOOK: Become part of our Supportive Facebook Group. Connect, share, and learn with others mastering their budget skills ➡︎ https://www.myidealbalance.com/facebook

3️⃣ BUDGET: Grab our Signature Budget Template! It's your key to organizing and optimizing your finances effectively ➡︎ https://myidealbalance.com/budget

4️⃣ COACHING: Ready to dive deep into your finances? Sign up for our 1-on-1 Financial Coaching. It’s the accountability and guidance you need to make real progress ➡︎ https://myidealbalance.com/coaching

This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase!

274 | Teaching Kids Financial Wisdom: The Truth About Credit Cards

Wed, 10 Jul 2024 10:00:00 -0400

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:

Common Advice on Credit Scores for Kids:
Many parents and even teachers suggest kids should start building credit early by opening credit cards.
We argue this isn't the best approach for financial education.
The Problem with Early Credit Cards:
Credit card companies and even educators are pushing kids towards credit, often before they're ready.
This can lead to financial illiteracy and dependence on credit from a young age.
Financial Literacy and Budgeting:
Teaching kids how to budget and manage their money is more important than building a credit score.
Vanessa shares her approach to setting up bank accounts and automatic transfers for her son's first paycheck.
The Military Example:
We discuss how military programs often focus on credit scores for new recruits, highlighting a systemic issue with financial education.
Changing the Narrative:
Instead of focusing on credit scores, we should teach kids to budget, save, and manage their money wisely.
Imagine a future where our kids don’t need credit scores because they have learned to save and pay for things in cash.
Practical Steps for Parents:
Open checking and savings accounts for your kids and teach them about automatic transfers and budgeting.
Encourage them to save for big purchases and understand the importance of financial responsibility.
Long-Term Vision:
By focusing on financial literacy, we can help our kids avoid debt and build wealth from a young age.
We envision a future where kids grow up understanding how to manage money without relying on credit.

Takeaways:

Teach Budgeting Over Credit Scores: Focus on helping our kids manage their money effectively.
Set Up Bank Accounts Early: Guide our kids in setting up and using checking and savings accounts responsibly.
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

This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase!

273 | 4 Tips to Make Budgeting Easier

Mon, 08 Jul 2024 10:00:00 -0400

Hey Budget Besties! 🌟 Shana and Vanessa here, ready to simplify your budgeting game. Budgeting should be easy—or at least easier! Join us as we break down four straightforward ways to make budgeting a breeze. Let's dive in! Episode Highlights:

Open Separate Accounts:
- The simplest hack to make budgeting clearer.
- Separate accounts for bills, groceries, spending money, and savings.
- Avoid confusion and track your money effortlessly.
Set Up Automatic Transfers:
- Schedule transfers to different accounts on payday.
- No more manual calculations—let automation do the work.
- Focus on living your life while your money manages itself.
Designate Spending Money:
- Allocate a specific amount for personal spending.
- Guilt-free spending with a clear budget.
- Build trust with yourself and understand your financial habits.
Use a Buffer:
- Include a miscellaneous buffer in your budget.
- Cover unexpected expenses and subscriptions.
- Give yourself grace and make room for learning.

Five easy categories: income, debt, bills, spending, savings.
Created from years of coaching and real-life budgeting.
User-friendly, straightforward, and behavior-based.

Budgeting doesn't have to be complicated, besties! Follow these steps and transform your financial life effortlessly. Until next time, happy 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

This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase!

272 | The High-Achieving Woman’s Guide to Fashion and Self-Care

Fri, 05 Jul 2024 15:28:55 -0400

Hey Budget Besties! In today’s episode, we’re thrilled to chat with our friend and fashion guru, Jessica Papineau, the mastermind behind CSJ Styling. Jessica has styled everyone from high-powered executives to stay-at-home moms, helping them feel confident and powerful through the magic of fashion.

Key Highlights:

Meet Jessica Papineau: Jessica shares her journey from starting her own fashion styling company to becoming a trusted stylist for high-performing women. Whether it's entrepreneurs or stay-at-home moms, Jessica's mission is to help every woman feel her best.
The Power of Investing in Yourself: We dive into the importance of self-investment. Jessica explains how looking and feeling your best can have a profound impact on your confidence, career, relationships, and overall life.
Practical Fashion Tips: Get ready for some actionable fashion advice! Jessica provides tips on how to start curating a wardrobe that aligns with your personal and professional goals.
Real-Life Transformation: Jessica shares an inspiring story about a client named Jennifer, who after investing in her wardrobe, not only felt amazing but also landed a promotion at work and revitalized her personal life.
Morning Habits for Success: We discuss the importance of incorporating self-care into your morning routine, including tips on how to get ready in a way that sets a positive tone for your day.
Modeling Self-Care for Your Kids: We touch on how taking care of yourself sets a powerful example for your children, teaching them the value of self-investment and confidence.

Special Offer for Listeners:

Jessica is offering a free styling call to our listeners! This is a great opportunity to get personalized fashion advice and learn more about CSJ Styling’s services.

Follow Jessica Papineau:

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

This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase!

271 | Mastering Your Monthly Budget: Lessons from Real-Life Clients

Wed, 03 Jul 2024 10:01:00 -0400

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:

Planning Irregular Income:
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.
Key Takeaway: Plan your money before it comes in. They allocated funds for taxes, travel, home, medical expenses, annual bills, and debt repayment.
Intentional Budgeting:
Vanessa emphasizes the importance of budgeting, no matter how big or small the income.
Key Takeaway: Intentional planning helps prevent money from slowly disappearing. Know where every penny is going.
Understanding Financial Products:
Shana's client was confused about a "credit builder" product she didn’t understand.
Key Takeaway: Don’t invest in or use financial products you don’t fully understand. Focus on managing debt to improve credit.
Building a Financial Cushion:
Vanessa talks about the importance of having a buffer in your bills account to avoid the feast-or-famine feeling.
Key Takeaway: Save up to a half-month’s worth of expenses to ensure all bills are covered comfortably.
No Judgment Zone:
We address the emotional aspect of financial coaching, emphasizing that there’s zero judgment here.
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

This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase!

270 | Retirement Reimagined: Steps to Achieve Retirement at the Age Your Decide

Mon, 01 Jul 2024 10:01:00 -0400

Book A Free Financial Coaching Call! Hey there, budget besties! 🌟 Today, we're diving into a topic that's super close to our hearts: retirement. But not just any retirement—the kind where you're living your best life at 45, traveling the world, or pursuing a passion project. Let's dream big and break the mold of traditional retirement plans!

Key Takeaways:

Creating a Vision:
Imagine your dream retirement. Is it full of travel, starting a new business, or spending time with grandkids? Whatever it is, start with that vision.
Retirement doesn't mean stopping work; it means financial independence where you work because you want to, not because you have to.
Breaking the Norm:
Many people plan for a fixed income, relying heavily on social security. We encourage thinking outside the box—plan to live off your savings, investments, and passions.
Consider the 4% rule: Living off 4% of your investments can keep you financially stable without touching your principal.
Stages of Retirement:
Retirement can happen in stages. Start by reducing your work hours, then perhaps transition to remote or passion-based work.
Aim to pay off major debts like your mortgage to free up your budget for the fun stuff!
Practical Steps:
Create a budget that reflects your retirement vision.
Use tools like our personalized budget templates to map out your financial future. You can find them at budgetbffs.com/budget.
For Those Already Retired:
It's never too late to adjust your plan. Focus on budgeting, reducing debt, and exploring additional income sources without compromising your social security benefits.
Share your new knowledge with your kids and grandkids to help them plan better futures.

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

This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase!

269 | Automate Your Finances: A Busy Mom's Guide to Stress-Free Budgeting

Fri, 28 Jun 2024 10:04:00 -0400

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

This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase!

268 | July Budget Jumpstart: Goals, Tips, and Success Strategies to Master Your Budget

Wed, 26 Jun 2024 10:01:00 -0400

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:

Wrap Up June: Before diving into July, close out your June budget. Update your actual numbers to reflect what you spent.
Set Up July: Begin with your income, debts, bills, spending, and savings. Make sure everything is up-to-date and realistic.
Specific July Expenses: Plan for summer vacations, 4th of July celebrations, sports camps, and any other seasonal expenses.
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.
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:

Wrap Up June:
Update actual numbers in your budget.
Review and adjust for any variances.
Income:
Record all expected income, including salaries, bonuses, and reimbursements.
Debts:
Update debt balances and minimum payments.
Celebrate any debts paid off!
Bills:
Verify recurring bills and adjust for any changes.
Add any new monthly expenses.
Spending:
Plan for groceries, gas, family fun, and personal expenses.
Adjust for realistic amounts based on past spending.
Savings:
Fund your savings buckets for future expenses like travel, medical, and holidays.
Start new savings buckets if your budget allows.

July-Specific Considerations:

4th of July: Plan for parties, fireworks, and any special meals.
Summer Expenses: Include sunscreen, bug spray, and yard supplies.
Back to School: Start saving for school supplies and clothing.
Travel Plans: Budget for any vacations or trips.
Seasonal Activities: Consider summer sports camps, pool memberships, and extra utilities due to heat.

Listener Tips:

Garage Sales: July is a great time for yard sales to declutter and make extra money.
Sports Physicals: Schedule and budget for necessary check-ups.
Lawn Care: Plan for higher utility bills and any lawn treatments.
Prepare for August: Start thinking about back-to-school and fall expenses.

Financial Goals:

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.
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

This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase!

267 | Be Your Own Bank: Take Control of Your Finances and Live Freely

Mon, 24 Jun 2024 10:01:00 -0400

Welcome back, budget besties! Ever thought about being your own bank? Imagine never asking for permission to spend money on life's big or small surprises. From emergency vet bills to unexpected car repairs or those last-minute summer camp fees, we dive into how you can manage your finances independently. Say goodbye to credit cards and hello to financial freedom.

Key Takeaways:

The Problem with Relying on Others for Money:
- Many of us depend on credit cards, loans, and insurance companies to handle financial emergencies or large expenses.
- This reliance often means paying interest or premiums, ultimately costing us more.
The Benefits of Being Your Own Bank:
- Financial Independence: No more asking for loans or credit card approvals.
- Control Over Money: Direct management of funds tailored to your needs.
- Peace of Mind: Knowing you have the cash to handle emergencies and big expenses.
Strategies to Become Your Own Bank:
- Savings Buckets: Set up multiple savings accounts for specific purposes (vacations, pet emergencies, car repairs, etc.).
- Annual Bills Fund: Save monthly for bills that can be paid annually to take advantage of discounts and avoid monthly payments.
- Large Emergency Fund: Establish a robust emergency fund for unexpected, one-off expenses.
- High-Yield Savings Accounts: Use high-yield savings accounts to earn interest on your money, similar to how insurance companies invest your premiums.
Practical Examples:
- Pets: Save monthly for pet expenses instead of relying on pet insurance or credit cards.
- Auto Insurance: Pay insurance premiums annually to save money and avoid monthly payments.
- Vacations: Fund your trips in advance to enjoy stress-free vacations without debt.
Mindset Shift:
- Take Ownership: Be proactive in managing and saving your money.
- Empowerment: Feel confident and secure knowing you control your financial destiny.

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

This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase!

266 | 21 Monthly Bills To Include In Your Budget (Plus 21 Bonus Subscriptions You Might Have Forgotten To Add)

Fri, 21 Jun 2024 10:05:00 -0400

In today’s episode, we’re diving into the nitty-gritty details of your monthly bills to help you stay on top of your budget and avoid any surprises. We’re walking you through 21 monthly bills you should definitely include in your budget. Let’s make sure nothing slips through the cracks!

Episode Highlights:

What’s a Bill?
- We'll clear up the confusion between bills, spending, and savings.
- Why bills are recurring, predictable expenses that need to be in your budget.
Top Monthly Bills to Remember:
- Tithes: Always at the top, usually around 10% of your income.
- Mortgage or Rent: Essential for keeping a roof over your head.
- Utilities: Electricity, gas, water, sewer, and trash services.
- Cell Phone: Monthly service charges and managing payments for family members.
- Internet and Cable: Often bundled, but crucial for staying connected.
- Insurances: Life, renter’s, auto, homeowner’s, and health insurance.
- Coaching: Any professional or personal development services.
- Annual Bills: Property taxes, memberships, vehicle registrations—plan for these monthly.
- Tuition and Childcare: School fees and daycare expenses.
- Sports and Music Lessons: Regular extracurricular activities.
- Security System: Monthly fees for home security services.
- Lawn Service and Housecleaning: Regular maintenance costs.
- Subscriptions: TV, music, and other digital services.
- Tolls and Transportation: Regular commuting expenses.
- Prescriptions: Monthly medical costs.
Bonus Tips:
- How to budget for annual bills and subscriptions.
- A rundown of 21 common subscriptions you might be paying for without realizing it.

We hope this episode helps you organize your budget and remember all those little things that can add up. Stay tuned for more tips and tricks to keep your finances on track!

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

This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase!

265 | Money Questions: Combining Finances, Paying Off Debt, Choosing the Right Bank, Budgeting for Kids & Staying Accountable To Your Budget

Wed, 19 Jun 2024 10:01:00 -0400

Snag Our Signature Budget Template! Hey Budget Besties! In this episode, we're diving into your most pressing financial questions. From blending finances in a blended family to getting a month ahead on bills, we've got you covered. Tune in for practical advice and tips to help you take control of your money.

Key Points:

Blending Finances in a Blended Family:
- Combining different financial habits and histories can be tough. We discuss the importance of transparency and creating a unified financial plan.
- Tips on starting with a clean slate: laying out all income, debt, bills, and spending habits.
- Define your "why" to stay motivated during tough financial discussions.
Weekly Budget Meetings:
- Schedule a consistent time each week for a budget check-in. Make it enjoyable to stay consistent.
- Key questions to ask: What’s working? What isn’t? Why? Adjust your budget as needed.
Balancing Groceries and Kids’ Clothing:
- Prioritize necessities over wants. Involve kids in the budgeting process to teach them financial responsibility.
- Tips on triaging kids’ clothing needs and finding affordable options like thrifting.
Making the Most of Increased Income:
- As your income grows, it's easy for expenses to grow too. Stick to a budget to ensure you’re saving and spending wisely.
- Tips on budgeting your new income to avoid lifestyle inflation.
Recovering from Budget Mistakes:
- What to do if you miss a budget: account for previous missteps and plan your next steps carefully.
- Tips on resetting your budget and learning from past mistakes.
Getting a Month Ahead on Bills:
- Understanding what expenses to include when trying to get a month ahead: bills, debt payments, subscriptions, and utilities.
- Aim to get a paycheck ahead to cover all aspects of your budget.
Choosing the Right Bank:
- Recommendations for banks that allow multiple accounts without fees. Importance of finding a bank that works for you.
- Suggestions for local credit unions and digital banks like Ally.

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

This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase!

264 | Living Paycheck to Paycheck? Learn About Our Easy Paycheck Planning System

Mon, 17 Jun 2024 10:01:00 -0400

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:

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.
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.
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.
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.
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.
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.
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.
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:

Create a Budget: Use our free budget template to get started.
Set Up Accounts: Open separate accounts for different spending categories to keep your finances organized.
Automate Transfers: Set up automatic transfers on payday to ensure your money goes where it needs to go.
Implement the Plan: Follow the paycheck plan to manage your expenses evenly and avoid financial stress.
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

This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase!

263 | Mastering Family Finances: Budgeting, Income Shifts, Teaching Kids About Money, and Teamwork in Marriage

Fri, 14 Jun 2024 10:01:00 -0400

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:

Stealing from Your Bills Account?
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.
Transitioning Income Levels:
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.
Teaching Kids About Money:
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.
Couples and Money Management:
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:

Grandma’s Generosity:
Hear about a family debating whether to use grandma’s money for daily expenses or save it for bigger future goals.
Teen Independence:
Learn from a family struggling to teach their son financial independence despite a busy sports schedule.
Overworked Firefighter Family:
A look into the life of a family relying on inconsistent income and how they manage extracurricular activities on a tight budget.
Army to Civilian Life:
How a military family prepares for a major income transition and prioritizes debt repayment.

Practical Tips:

Leave Your Bills Account Alone:
Discover why carrying your bills account debit card can be a financial trap and our quirky tips to avoid unnecessary spending.
Communicate with Your Partner:
Tips on how to have productive financial discussions and make budgeting a team effort.
Planning for Inconsistent Income:
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

This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase!

262 | Group Coaching Call Reveals Secrets to Stress-Free Spending & Which Banks Work Best for Budgeting

Wed, 12 Jun 2024 10:01:00 -0400

Hey Budget Besties! 🎉 Listen into a live group coaching call where we dive deep into the game-changing strategy of using separate bank accounts for effective budgeting and more. 💡 Say goodbye to the headache of tracking every dollar and hello to the ease of automated planning!

We discuss:

1. Separate Bank Accounts

Gas and Groceries: Consider a dedicated account for these to streamline your spending without the need to track every purchase.
Bills Account: Use a separate account for bills to ensure they’re always covered, avoiding accidental overspending.
Fun Money: Keep a distinct account for discretionary spending to give yourself permission to enjoy your money guilt-free.

2. Paycheck Planning

Allocate specific amounts for different categories from each paycheck.
Example: $300 for groceries per pay period.
Adjust based on your spending patterns (e.g., weekly grocery trips).

3. Creative Budget Stretching

Shop Your House: Utilize pantry and freezer items before buying more groceries.
Weekend Supplementing: Plan smaller, supplementary shopping trips if you do a big shop at the beginning of the month.

4. Recommended Banks

Ally Bank: High interest on savings, multiple accounts.
Navy Federal: Unlimited checking and savings accounts.
USAA, Capital One, Discover: Good options with some caveats on debit cards.

5. Automation and Visualization

Automate Transfers: Set up automatic transfers from your bills account to other accounts to simplify budgeting.
Multiple Savings Goals: Use separate savings accounts for different goals (emergency fund, vacation, etc.).

We also share personal stories, like how Shana managed her budget while her husband was deployed, and Vanessa’s tips for making Taco Tuesday a no-dishes delight. 🌮✨

Tune in to learn how you can set up your budget for success, avoid unnecessary fees, and make your money work 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

This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase!

261 | Mastering Debt: Popular Debt Payoff Plans Explained (Debt Snowball, Debt Avalanche & Debt Minimum Payments)

Mon, 10 Jun 2024 10:01:00 -0400

Do you find yourself juggling multiple debts and wondering which one to tackle first? 🤔 You're not alone, budget besties! We are break down the three most popular methods for getting out of debt and help you decide which one fits your unique situation.

In This Episode:

Debt Snowball Method:
What It Is: Focus on paying off the smallest balances first.
Why It Works: Quick wins keep you motivated. 🎉
Example: Pay off a $500 credit card before a $1,000 one, regardless of interest rates.
Debt Avalanche Method:
What It Is: Pay off debts with the highest interest rates first.
Why It Works: Saves the most on interest in the long run. 💰
Example: Target a credit card with a 25% interest rate over one with a 15% rate.
Minimum Payments Method:
What It Is: Pay off debts with the highest minimum payments first.
Why It Works: Frees up more cash in your budget sooner. 💵
Example: Eliminate a $500/month payment debt before a $100/month one.
Real-Life Applications:
Situational examples of how to decide which method to use.
Combining strategies for maximum impact based on your unique financial situation. 🌟

Actionable Steps:

List Your Debts: Order from smallest to largest balance, and include interest rates and minimum payments.
Evaluate: Consider if you need quick wins (Snowball), long-term savings (Avalanche), or cash flow (Minimum Payments).
Personalize: Choose or combine methods based on your unique situation. Don't forget to adjust if you get a lump sum or if your circumstances change!

No one-size-fits-all solution here! We dive into how to list your debts, evaluate your options, and choose the best method for your financial goals. Whether you’re aiming for quick wins, saving on interest, or freeing up cash flow, we’ve got the strategy for you. Tune in to empower your financial journey and take control of your 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

This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase!

260 | On-Air Budget Makeover: Crafting A Savings Plan For Single Income Families to Break the Paycheck-To-Paycheck Cycle

Fri, 07 Jun 2024 10:01:00 -0400

Hey, Budget Besties! 🎙️

In today’s episode, we had a wonderful chat with Cassandra, who’s managing her family’s finances on a single income. Her main goal is building up her savings while juggling all the expenses that come with raising kids, especially as they grow older. 🎧✨

Key Topics Discussed:

Paycheck Planning: Cassandra and her husband are working on getting a month ahead with their budget, a crucial step for avoiding that paycheck-to-paycheck stress. We discussed how to utilize those two to three paycheck months to create a buffer and plan ahead for upcoming expenses.
Savings Buckets: Cassandra is building up her emergency fund but also wants to save for her daughter’s future wedding. We discussed the importance of prioritizing an emergency fund before setting up other savings goals, especially when unexpected expenses can pop up.
Account Structure: We dove into the importance of separating funds into different accounts for clarity:
Bills Account: Dedicated to recurring monthly expenses.
Spending Account: Covers daily expenses like gas and groceries.
Sinking Funds: Specific savings accounts for non-monthly expenses like holidays, gifts, or larger one-time purchases.
Streamlining Accounts: Cassandra is already on the right track by using a high-yield savings account for her emergency fund. She’s also exploring the idea of setting up a checking account for bills to keep everything organized and transparent.
Handling Irregular Expenses: We chatted about how to handle those surprise expenses—like school fees or extracurricular activities—that don't fit neatly into the monthly budget. Tracking these can make planning for them in the future much easier.
Building a Buffer: We discussed the idea of creating a buffer in the bills account to cover unexpected expenses and avoid the stress of timing issues with bill payments.
Labeling Savings: Cassandra is renaming her savings accounts to reflect their purposes more clearly, like “Wedding Fund” and “Trip Fund,” to create a stronger emotional attachment and make it easier to resist dipping into them for other needs.
Optimizing Transfers: We addressed the challenge of limited transfers from certain savings accounts and how to work around it by using checking accounts for frequent transactions or consulting with banks for better terms.

Top Tips:

Track All Expenses: Keep a list of all irregular expenses to avoid surprises.
Prioritize Emergency Funds: Before diving into other savings goals, make sure you have a solid emergency fund.
Separate Accounts: Use different accounts for bills, spending, and savings to stay organized and clear.
Communicate with Family: Involve the family in financial decisions and explain the importance of saving for future goals.
Avoid Impulse Savings Withdrawals: By naming your savings accounts, it becomes harder to justify taking money out for non-essential expenses

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

259 | Automate Your Budget: Let Your Bank Be Your Personal Assistant

Wed, 05 Jun 2024 10:01:00 -0400

Curling Iron Link: https://amzn.to/3VuuZHy

Hey Budget Besties! 🎉

In today's episode, We are sharing the details of the magic of automating your finances. Imagine a world where your bank account acts like your personal assistant—taking care of all the budgeting and bill paying while you sit back and relax. No more worrying about missing payments or overspending. Sounds dreamy, right? Let’s make it a reality!

Key Takeaways:

The Power of Automation:
Set up your bank accounts to handle everything for you.
Automate bill payments and transfers so you can focus on what truly matters.
A Fun Throwback:
We share hilarious stories about our early curling iron disasters and how the right tools make all the difference. Spoiler: The same goes for your finances!
Step-by-Step Guide to Automation:
Create a Budget: Understand your income, debts, recurring bills, spending, and savings.
Set Up Bill Accounts: Make sure all your income flows into an account dedicated to bills and debt payments.
Digital Envelopes: Open separate accounts for different spending categories and savings goals.
Paycheck Plan: Automate transfers based on your pay schedule to ensure every category is funded without you lifting a finger.
Hands-Off Supervision:
Once set up, simply monitor your accounts to ensure everything runs smoothly. Your finances will almost manage themselves!
Real-Life Impact:
We share client stories and personal experiences, illustrating how automation can simplify your financial life and keep you on track.

Practical Tips:

Renaming Accounts: Label your accounts with specific goals (e.g., "Vacation Fund," "Grocery Money") to add an emotional barrier against unnecessary spending.
Set Up Recurring Transfers: Use your bank's features to automate transfers on a schedule that aligns with your paydays.
Monitor and Adjust: Regularly check your accounts to ensure everything is running as planned and make adjustments as needed.

Action Steps:

Create Your Budget: Break it down into income, debts, bills, spending, and savings.
Organize Your Accounts: Set up dedicated accounts for each category.
Automate Transfers: Schedule recurring transfers to keep everything funded and on track.
Review and Refine: Keep an eye on your accounts and make adjustments to improve the system.

Inspirational Quote:

"A budget is telling your money where to go instead of wondering where it went." - John Maxwell

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

This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase!

258 | Budgeting Basics: How to Create a Simple and Effective Budget

Mon, 03 Jun 2024 10:00:00 -0400

Hey Budget Besties! 🎙️

Have you ever tried to do a budget and felt like running away screaming? Today, we’re breaking down why budgeting doesn't have to be complicated. We’ll show you how to lay it out simply, understand it fully, and actually stick to it. No more confusion, no more overwhelm!

Episode Highlights:

Budgeting Misconceptions: Ever felt like you needed a PhD to understand a budget template? Us too. We’ve been there, and we’re here to simplify the process.
Health and Budget Comparison: We draw parallels between complicated diets and budgeting—both often involve unnecessary steps that lead to stress and inaction. Let’s keep it simple!
Why Most Budgets Fail: Traditional budgets often miss the mark. For example, placing debt payments at the bottom doesn’t prioritize what’s most important for many of us—clearing that debt!
Our Budgeting Journey: From Dave Ramsey’s plan to our personalized approach, we share our evolution in creating a straightforward, effective budget.
The Five Simple Columns:
Income: All money coming in.
Debt: Minimum payments listed upfront to highlight priorities.
Bills: Recurring monthly expenses (yes, mortgage goes here!).
Spending: Discretionary expenses like groceries, gas, and entertainment.
Savings: Set aside for goals like vacations, home maintenance, and more.
Tailored to You: Our budget template is designed to be flexible and customizable to fit your unique lifestyle and goals.
Automate for Success: Learn how to automate your budget to make managing your money effortless.

Key Takeaway:

Budgeting doesn’t have to be scary or complicated. With our one-page budget template, you can see your financial picture clearly and take control with confidence.

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

This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase!

257 | How to Pay Off Your Mortgage Early: Biweekly Payments Explained

Fri, 31 May 2024 10:01:00 -0400

Hey, Budget Besties!

🏡💸 Ever get those offers from your bank asking if you want to opt into a biweekly payment program? To some, your initial reaction might be, "Sounds like math...and I’m not sure if this is a good idea." Don’t worry, we’ve done the research for you, and we're here to break it all down!

The Problem:

Most homeowners don’t realize that they pay the most interest in the first seven years of their mortgage. If you check your statements, you’ll see that a tiny portion of your payment goes towards the principal, while the majority goes towards interest. Banks know this, and that’s why they want to get their money upfront.

The Biweekly Payment Plan:

Banks offer biweekly plans, but what's the deal with those? Here's how it works:

Monthly Payment: If your mortgage is $2000/month, you pay $24,000/year.
Biweekly Payment: You pay $1000 every two weeks, resulting in 26 payments per year (52 weeks/2), totaling $26,000/year.

That’s an extra $2000 annually, effectively making one additional monthly payment each year. This reduces your principal faster, saving you thousands in interest over the life of the loan.

Our Recommendation:

Instead of following the bank's plan, which might complicate your budget with biweekly payments, we suggest:

Stick to Monthly Payments: Calculate your extra payment for the year and divide it by 12.
Add Extra to Your Monthly Payment: If you want to add $2000 extra annually, add about $167 to your monthly payment.
Direct Extra to Principal: Ensure you specify that the extra amount goes directly towards the principal, not next month’s bill.

When to Consider This:

Assess Your Priorities: Your money can only do so much. Decide if paying off your mortgage faster is a priority over other financial goals like savings, debt repayment, or investments.
Check Your Budget: Ensure you have enough extra income each month to cover the additional payment without straining your finances.

Real-Life Application:

When Vanessa paid off her mortgage, she prioritized security over potential investment gains. Knowing her house was paid off was worth more than the interest she could have earned elsewhere.

Final Thoughts:

If you have the budget for it, making extra mortgage payments can save you tens of thousands of dollars and cut years off your loan. Just make sure to automate it and communicate with your bank that these payments should go toward the principal.

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

This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase!

256 | Budgeting Tips: Simplify Subscriptions, Manage Credit Cards, and Save More

Wed, 29 May 2024 10:01:00 -0400

Snag Our Signature Budget Template! Hey Budget Besties! 💸

Welcome back to another episode where we’re diving into real-life budgeting scenarios and sharing some golden nuggets from our coaching sessions. Today’s episode is all about getting organized, cutting down unnecessary expenses, and ensuring that you and your partner are on the same financial page. Let’s get into it!

1. Tackling Subscriptions and Multiple Accounts

Ever found yourself juggling multiple subscriptions across various accounts? One of our clients did just that! With subscriptions coming out of four different credit cards and two checking accounts, she was all over the place. By our second meeting, she discovered over 20 subscriptions she forgot about. Here's the game plan we shared:

Gather all your subscriptions: Do a 90-day review to see where your money is going.
Consolidate payments: Move all subscriptions to one account, preferably your bills checking account.
Set reminders: If you sign up for free trials, set a reminder to cancel before you're charged.

2. The Metal Credit Card Dilemma

Why do they make some credit cards metal? Spoiler alert: It’s not for your benefit! Metal cards are harder to destroy, making you more likely to keep and use them. If you're clinging to a metal card, remember: credit card companies aren't on your side. Our advice? Consider if the benefits truly outweigh the costs and if it's really necessary.

3. Financial Honesty in Marriage

Finances can be a significant stressor in relationships, especially when there’s a lack of transparency. One of our clients faced this exact issue—her husband kept financial secrets to protect her, but it ended up causing more harm. Here's our advice for couples:

Be open and honest: Lay everything out on the table and discuss your finances as a team.
Work together: Create a shared budget and financial goals to work towards together.
Communicate regularly: Avoid crisis mode by having regular financial check-ins.

4. The Power of Savings Buckets

Imagine having a week where you need an oil change, buy tickets to Costa Rica, purchase maternity clothes, and get a birthday gift for your kid—all without financial stress. One of our clients did just that by using savings buckets. She had specific funds set aside for each expense, making her feel confident and prepared. Here's how you can do it:

Create a budget: Start with a clear, personalized budget template.
Set up savings buckets: Allocate funds for specific purposes like travel, car maintenance, and clothing.
Stay the course: Consistently contribute to your buckets and enjoy the peace of mind they bring.

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

This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase!

255 | Quick and Easy June Budget Setup: Start the Month Right

Mon, 27 May 2024 11:58:04 -0400

Snag Our Signature Budget Template! Hey Budget Besties! Are you ready to rock your June budget? Join us as we guide you through setting up your budget for the upcoming month. Whether you're new to budgeting or a seasoned pro, this episode is packed with tips to ensure your financial plan is solid. We'll review the essentials of wrapping up May, setting realistic goals for June, and making use of our handy budget templates. Key Takeaways: Wrapping Up May: Let's review what actually happened financially vs. what you planned. Don’t worry if things didn’t go as planned; it’s a learning process. Make sure you have a buffer for unexpected expenses. Setting Up Your June Budget: Income: List all your sources, including side hustles, bonuses, and refunds. Debt: Record your minimum payments and any additional amounts you plan to pay. Bills: Include all your recurring expenses, from utilities to subscriptions. Spending: Plan for groceries, gas, dining out, and personal care. Savings: Allocate funds for specific goals and unexpected costs. Special Considerations for June: Think about Father’s Day, weddings, summer camps, and vacations. Update your budget with any new or seasonal expenses. Plan for irregular income or large one-time payments like tuition or medical bills. Tips and Tricks: Use our signature budget template that auto-fills monthly to save time. Stay flexible and adjust as needed; life happens, and so do expenses. Celebrate small wins like paying off debt or saving for a goal. 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!

254 | Creating a Memorable Summer on a Budget: Tips for Camps, Vacations, and More

Fri, 24 May 2024 10:01:00 -0400

Snag Our Signature Budget Template! Hey Budget Besties! 🌞 Are your kids already asking to do a million things this summer? We totally get it. Summer can quickly become a chaotic mix of activities, camps, and trips. But do you have the money for all those plans? Today, we’re diving into how to budget for a fun and memorable summer without breaking the bank!

Episode Highlights:

Planning with Purpose:
- Start by casting a vision for your summer. What do you want to accomplish? How do you want to feel by the end of it?
- Get your family involved! Have a meeting to discuss everyone’s ideas and commitments.
- Use a blank calendar to map out all your plans and avoid overbooking.
Setting Realistic Expectations:
- You only get so many summers, especially with your kids at home. Make each one count!
- Consider a mix of paid and free activities to balance the budget.
Budgeting Tips:
- Look at your overall budget to see what you can afford. Prioritize based on what matters most to your family.
- Involve your kids in the budgeting process. Give them a set amount and let them choose how to spend it.
Free and Low-Cost Activities:
- Check out community events, library programs, and local parks.
- Utilize memberships, like YMCA or museum passes, to save money while keeping kids entertained.
Paid Activities Worth Budgeting For:
- Summer camps: Factor in all costs, including registration, equipment, and extras.
- Vacations: Plan for travel, lodging, food, and activities. Use our vacation tracker to help budget!
Teaching Financial Literacy:
- Encourage your kids to earn money for additional activities through chores or small jobs.
- Teach them to make choices based on available funds, fostering responsible financial habits.

Final Thoughts:

Plan your summer with intention and keep your family's goals and values in mind. Make sure to schedule your vacations first and fit other activities around them. Explore free community events and communicate positively about financial decisions to foster a healthy money mindset in your 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

This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase!

253 | How to Stay Ahead: Budget Tips for High-Expense & Busy Months

Wed, 22 May 2024 10:01:00 -0400

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

This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase!

252 | Stop Wasting Money: How Dreams Turn into Budgeting Goals

Mon, 20 May 2024 10:01:00 -0400

Hey, budget besties! In this episode, we're diving into the essential first step of budgeting: rediscovering your financial dreams and figuring out your "why." We share heartwarming stories, practical steps, and motivational tips to help you envision a future that excites you. Let’s get back to dreaming big and setting the stage for financial success!

Key Takeaways:

Start with Your Why:
- Reflect on your financial goals and what you want for your future.
- Keeping your "why" in front of you helps stay motivated.
Visioning Exercise:
- Take time to dream again. Think about what you want for yourself and your family.
- Use a long-term perspective to set exciting goals.
Practical Steps:
- Write down your goals for one year, five years, and retirement.
- Break down what you want to accomplish in each timeframe.
- Keep your goals visible to stay focused.
Real-Life Inspiration:
- Hear about Luke and Tina's journey from living in an RV to setting clear financial goals.
- We share our personal stories of planning for future trips and retirement.
Integrating Dreams with Budgeting:
- Ensure your daily budget aligns with your long-term goals.
- Use budgeting as a tool to achieve your dreams, not just a chore.

Memorable Quotes:

"You have to know your why. If you don't have an end goal, you don't show up for it well."
"Take a step back and think about what are we excited about? What do we want?"
"Dream again. You used to be so young and excited with big goals. We want that for you still."

Action Steps:

Vision Board: Create a vision board or write down your financial dreams. Include short-term and long-term goals.
Daily Reminders: Place reminders of your goals where you'll see them often—your bathroom mirror, car, or workspace.
Budget Alignment: Review your budget to ensure it supports your goals. Make adjustments as needed to stay on track.

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

This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase!

251 | Real-Life Financial Makeovers: Strategies for Paying Off Debt and Saving

Fri, 17 May 2024 10:00:00 -0400

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:

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.
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.
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.
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.
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

This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase!

250 | Budgeting Tips for Busy Moms: Making Every Penny Count

Wed, 15 May 2024 10:00:00 -0400

Book A Free Financial Coaching Call! Today, we’re diving into the challenges every mom faces when managing family finances. Whether it’s budgeting for unexpected school costs or navigating the expensive world of sports like cheer, we're here to give you the real deal on managing your money effectively. Join us as we respond to your burning questions and share personal anecdotes that will help you create a stress-free budget that actually works for you and your family.

In This Episode:

Made of Money? - We kick off the episode with a fun reminder that no, moms are not made of money! We discuss the reality of budgeting for big-ticket items like cheer competitions and why starting a savings bucket for such activities can be a game-changer.
Budgeting Basics for Moms: - The second half of our show focuses on the typical budget challenges moms face, from clothing costs for growing kids to managing the household budget. We share tips on how to determine what your kids really need versus what they want, ensuring your purchases are necessary and within budget.
Dealing with Unexpected Costs: - Unexpected school and sports expenses can throw a wrench in your budget, but we talk about how anticipating these costs can prevent financial surprises. Learn how to set up savings buckets for different categories and start saving incrementally to cover these inevitable expenses.
The Sports Dilemma: - We tackle a common dilemma for many parents: the cost versus benefits of enrolling kids in sports. While keeping them busy is important, we discuss the value of free time and creativity, and how not being busy all the time can be beneficial for kids’ development.

Key Takeaways:

Start a savings bucket for large yearly expenses and divide the total cost by 12 to save monthly.
Create specific budgets for categories like housing and unexpected costs, and stick to them unless it's an emergency.
Evaluate what your children actually need before making purchases, and involve them in the decision-making process to teach budgeting skills.

Closing Thoughts: Moms, you're not alone in the financial challenges you face. By implementing strategic savings plans and sticking to your budgets, you can alleviate the stress of financial management. Remember, empowerment in budgeting comes from clarity and a proactive approach. Keep pushing forward, and know that every small step is a big win in achieving financial stability.

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

This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase!

249 | Money Talks for Moms: Handling Tuition, Teens, Sports, Dance Class, Celebrations and Other Unexpected Expenses

Mon, 13 May 2024 10:00:00 -0400

Book A Free Financial Coaching Call! In today’s episode, we're answering your questions about budgeting and motherhood. We talk through the unique challenges moms face when budgeting for the unexpected—yes, all those "mom-made-of-money" moments when you just wish you had a secret stash just for ice cream after little league wins!

📍 Today’s Highlights:

Post-Game Treats: We chat about those spontaneous celebrations like ice cream after a win. Instead of letting these sweet surprises blow your budget, we explore setting aside a fun fund—maybe a cash envelope in your purse. Let's make budgeting a game and teach the kids about spending limits.
Dealing With Unexpected Expenses: We've all been there—suddenly, the soccer shoes don't fit, or there's a school trip fee due tomorrow. Instead of getting frustrated, we talk about tracking these expenses to better prepare next year. Remember, 'unexpected' is just another word for 'not yet budgeted.'
Conversations with Kids: We discuss the power of including your children in budget discussions. It's not about saying "no," but about choosing what to prioritize—be it saving for a vacation or managing day-to-day expenses. This approach helps kids understand budgeting isn’t just a necessity but a way to control their financial future.
Single Moms & Budgeting: Special shoutout to the single moms out there making it work. We delve into how transparency about finances can be a powerful teaching moment for teenagers heading to college.
Budgeting for Extracurriculars: Whether it’s sports or dance classes, extracurriculars can take a significant slice of the budget pie. We share strategies on how to handle these costs without compromising your financial health.

📍 Tip of the Day: Remember, every budget decision is a chance to teach valuable financial lessons. Whether it's deciding against a spontaneous purchase or planning for future expenses, each choice builds towards a financially literate family.

📍 Budget Bestie Reminder: Check out our signature budget template at budgetbesties.com/budget. It’s designed to simplify your financial life and is packed with walkthrough videos and special training to get you and your family on the path to financial empowerment.

💬 We’d Love to Hear from You: Got a budgeting tip or a story you’d like to share? Drop us a line or comment on our social channels. How do you involve your family in budgeting decisions? Let's keep this conversation going and help each other navigate the financial maze of motherhood!

Until next time, keep those budgets balanced and those dreams within reach, 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

This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase!

248 | Budgeting Breakthrough: Transforming Good Incomes into Great Savings

Fri, 10 May 2024 10:00:00 -0400

Today, we are talking the real-world challenges and practical solutions for turning a good income into great savings. Our guest shares her candid experience of managing finances with a good income but struggling to optimize savings and reduce debt. Discover actionable advice on simplifying your budgeting process, effectively managing multiple accounts, and strategically using your income for saving, spending, and debt repayment.

What You'll Learn:

Understanding Financial Flow: Insights into how our guest and her spouse manage their bi-weekly income and the initial struggles with spending and debt payments.
The Power of Account Management: Learn how simplifying your account structure can help manage your bills more efficiently and avoid financial confusion.
Strategic Savings and Debt Repayment: Tips on how to allocate surplus funds towards savings and debt repayment effectively, turning financial stability into a stepping stone for future goals.
Practical Budgeting Tips: How to use budgeting to balance spending on necessities and luxuries, including setting up dedicated accounts for different types of expenditures.

Key Takeaways:

The importance of having a clear budgeting system to track where every dollar from your paycheck goes.
Strategies for setting up separate accounts for bills, savings, and personal spending to keep finances organized.
Real-life advice on adjusting your budget to accommodate both essential expenses and personal spending without compromising your financial goals.

Join us as we explore these real-life strategies and tips that will help you harness your income's full potential and achieve your financial dreams. Whether you're looking to improve your savings or pay down debt, this episode offers the guidance you need to make significant changes in your financial 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

This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase!

247 | Smart Spending: Helping Women Feel Good About Budgeting Needs and Wants

Wed, 08 May 2024 10:00:00 -0400

Hey Budget Besties! It’s Vanessa and Shayna here, and today we’re tackling a topic we all think about but often stress over – managing our money. We’re here to show you how handling your finances can be both empowering and enjoyable, especially for us women who juggle so much!

What We're Diving Into:

You know those moments when the kids suddenly need new sports equipment or it's time for school photos again? We're talking about why these "surprises" aren't really surprises and how you can budget for them effortlessly.
Budgeting as a Form of Self-Care: Yep, we said it! Budgeting isn't just about numbers; it's about taking care of YOU. We discuss how prioritizing your own needs in your budget is not just okay, it's essential. So yes, book that spa day without any guilt!
Ready to feel good about your bank account? We explore how to shift from feeling overwhelmed to feeling in control and confident about your finances.
Whether you're flying solo or planning with your partner, we share how to make financial decisions a joy rather than a chore. Let’s make those budget meetings something you look forward to!
Today is all about flipping the script on finances – turning those scary dollar signs into opportunities for empowerment and yes, even some fun. We’re here to help you make informed, joyful choices that fit perfectly with your lifestyle and dreams.

Let’s take control of our financial destinies and enjoy the ride! With our easy-to-follow tips and strategies, you’re not just managing money; you’re setting the stage for a rich, fulfilling 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

This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase!

246 | Are You Sabotaging Your Budget? Signs You're Not Ready

Mon, 06 May 2024 10:00:00 -0400

Today we explore the difference between those who find success in budgeting and those who stumble, discussing the role of mindset and preparation. If you've tried budgeting before and felt it wasn't for you, this discussion might shed some light on why and how you can prepare to succeed.

Key Points Discussed:

Understanding Readiness: Our budget besties want to budget but struggle due to a lack of readiness. This readiness isn't just about having a plan, but also about having the right mindset to stick to it. We compare this to preparing for a marathon: without the right training and mindset, success is unlikely.
Common Pitfalls in Budgeting: We discuss real-life examples where people had the tools and resources to budget but ultimately failed due to premature decisions or not being mentally prepared. These stories highlight the importance of recognizing when you're genuinely ready to commit to budgeting.
Mindset Over Mechanics: Often, the challenge isn't in the numbers but in the mindset. We talk about the psychological aspects of budgeting, such as overcoming the urge to spend unexpectedly due to old habits or emotional triggers.
Strategies for Success: Practical advice on how to gradually prepare for successful budgeting, including setting realistic goals, understanding the importance of small steps, and learning from past mistakes without self-judgment.
Motivational Insights: Inspirational anecdotes and quotes from those who have successfully transformed their financial habits, emphasizing the power of persistence and the right mindset.

Budgeting isn't just about managing money; it's about managing your mindset and expectations. Whether you're overcoming financial challenges or seeking to improve your financial health, this episode provides valuable insights into making lasting changes. Are you ready to assess your readiness and take the plunge into effective budgeting? Join us to find out how to align your goals with your actions for financial success.

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

This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase!

245 | Money Talks: How to Conquer Debt and Create Generational Wealth w/ Holly Logan

Fri, 03 May 2024 10:21:02 -0400

Book A Free Financial Coaching Call! Join us for a chat with Holly Logan from the "Lead with Empathy Podcast" as we delve into combining financial management with lasting generational wealth. Holly, a family nurse practitioner turned influential podcaster, shares her personal and professional experiences, focusing on how finance intersects with overall wellness.

Key Highlights:

Holly's Financial Journey: Holly recounts her move from healthcare to managing her husband's dental business, emphasizing the importance of financial knowledge in her life.
Generational Wealth and Health: Holly introduces the concept of "generational health," discussing how financial decisions impact overall family well-being and future generations.
Debt Management Insights: Learn practical strategies for managing and overcoming significant debt through personal stories and expert advice shared by Holly and the hosts.
Empowering Financial Decisions: Discover how to handle financial challenges without missing out on life's joys, such as family vacations and hobbies.
Education and Career Choices: The conversation also covers the importance of choosing educational paths and careers that align with financial goals and aspirations.

This episode offers valuable knowledge for anyone looking to improve their financial skills while balancing life's other responsibilities. Whether you're beginning to save or are an experienced investor, Holly's tips on budgeting, debt management, and investing are practical and applicable to various financial situations.

Where to Find Holly:

Instagram: @HollyLogan_health
Website: hollyloganhealth.com
Podcast: "Lead with Empathy"

Tune in to get practical advice on building a sound financial future that benefits you and your family for generations to come.

Where to Find Holly:

Instagram: @HollyLogan_health
Website: hollyloganhealth.com
Podcast: Lead with Empathy

Tune in to gain a fresh perspective on creating a sound financial future that spans generations, ensuring that both your wealth and health are preserved for your family and beyond.

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

This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase!

244 | Crafting Custom Budgets: Insights from Client Sessions to Strengthen Your Financial Plan

Wed, 01 May 2024 10:00:00 -0400

Today, we dive into the nitty-gritty of budgeting with a twist—real client stories and personalized strategies that make all the difference! Ready to tackle your finances with some expert advice? Let's jump in.

Here's What You're In For:

Demystifying the Budgeting Process: Ever feel like budgeting is just a series of endless tweaks? Well, you're not alone. We're breaking down the iterative nature of budgeting—why it's more about being adaptable than perfect from the get-go. We'll also tackle those myths about setting up a budget. Spoiler alert: it's not an overnight thing!
Making It Personal: No two financial journeys are the same, which is why a cookie-cutter budget just doesn’t cut it. We're sharing how different folks have successfully personalized their financial plans. It’s about crafting a budget that mirrors your life, not someone else’s!
View Budgeting as an Investment: Think of budgeting less like a chore and more like investing in your future. We’ll explore how adjusting your budget isn't just fixing mistakes—it's setting up for future wins, both mentally and financially.
Real Stories, Real Adjustments: Get ready for some incredible stories about how our clients tweaked their budgets after a real look at their spending. Plus, tips on how to handle those unexpected financial decisions (like that spontaneous tax return splurge).
Business Meets Personal Finance: For the entrepreneurs out there, we haven’t forgotten you. Learn how to keep your business and personal finances thriving with clear boundaries and targeted goals. It's all about balance and foresight.

Why This Episode Is a Must-Listen:

Join us as we equip you with the tools and confidence to craft a budget that works for you. We’ve packed this episode with stories from clients just like you, who have transformed their approach to budgeting and seen their financial stability soar. It’s all about making a budget that not only works but also empowers you.

Get in Touch:

Got a burning question or a budgeting victory to share? We’d love to hear from you! Email us at hello@budgetbesties.com, or just drop us a line to join our community of savvy budgeters aiming for a stronger financial future.

Catch you in the episode, where we make finance fun and functional!

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

This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase!

243 | Breaking the Paycheck-to-Paycheck Cycle: 5 Reasons You Make Good Money and Have Nothing to Show for It

Mon, 29 Apr 2024 10:00:00 -0400

In today’s episode, we’re diving deep into a problem so many of us face: earning a decent income but still struggling to make ends meet. Why does this happen, and what can we do about it? We’re going to explore the hidden reasons behind this frustrating financial cycle and provide you with actionable strategies to turn things around.

In This Episode, You'll Discover:

The Illusion of Financial Stability: We unpack the psychological and practical reasons why a good salary might still feel insufficient.
The Importance of a Financial System: Learn why having a structured financial system is crucial and how to set one up to prevent your money from slipping through the cracks.
Mastering Your Spending: We discuss the impact of 'invisible' spending on your budget and share effective ways to track every dollar.
Setting Empowering Financial Goals: Discover how setting exciting financial goals can align your spending habits with your long-term aspirations and motivate you to save.
Actionable Financial Solutions: I’ll guide you through practical steps such as conducting a 90-day financial review and effectively organizing your financial accounts.

Why You Should Listen:

This episode is packed with valuable insights and practical advice for anyone looking to break free from the paycheck-to-paycheck lifestyle. Whether you're looking to overhaul your budgeting techniques, control your spending, or set inspiring financial goals, we have the guidance you need to start making smarter financial decisions.

Episode Highlights:

Understanding Financial Illusions: Learn why you might feel financially unstable despite a good salary.
Building a Financial System: Tips on creating a system that keeps your finances in check.
Smart Spending: Strategies for tracking and managing your spending effectively.
Goal Setting: How to set financial goals that actually excite and motivate you.
Practical Financial Management: Step-by-step advice on improving your financial health.

Remember:

If you're tired of feeling financially stretched despite a good paycheck, this episode is a must-listen. Tune in to transform your financial habits and pave the way toward a life of financial freedom and fulfillment.

👉 Don’t forget to subscribe and share this podcast with someone who could benefit from these tips!

#PersonalFinance #MoneyManagement #FinancialFreedom #BudgetingTips #SaveMoney #FinancialGoals

Tune into today’s episode for expert advice and actionable strategies that will help you manage your money more effectively and stop living paycheck to paycheck. Let’s get your finances on track for success!

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

This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase!

242 | Managing Money When Paychecks Fluctuate: A Guide to Achieving Financial Peace and Organization

Fri, 26 Apr 2024 10:00:00 -0400

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

This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase!

241 | Make Your May Budget: A Step-by-Step Guide + All The Extra Things To Plan For In May

Wed, 24 Apr 2024 10:00:00 -0400

Today, we're diving into the essentials of setting up your budget for May. Whether you're a seasoned budgeter or just starting out, we’ve got tips and strategies to help you navigate the often tricky financial landscape of May, with its early paychecks and extra expenses. Plus, we're offering a free, downloadable budget template to make your planning easier.

Early Budget Preparation: Understand why getting a jump on May’s budget is crucial, especially with the unique timing of April paychecks that affect the next month's budget.
Wrapping Up April: We discuss the importance of reconciling your April expenditures with your budget to ensure accuracy moving forward.
Income and Expenses: Learn how to effectively list all sources of income and categorize your expenses, including debts and discretionary spending.
Savings Strategies: Discover how to start and manage savings buckets for emergencies, annual bills, and more to better prepare for large expenses down the line.
Making Adjustments: Tips on adjusting your budget based on actual spending to better align with your financial goals.
Special Occasions: Guidance on budgeting for May’s unique expenses like proms, graduations, Mother’s Day, and Memorial Day.

Budget Template: Utilize our one-page budget template to simplify the process of organizing your finances. Available for download at Budget Besties.
Systematizing Savings: How creating savings buckets now can alleviate stress from big, unexpected expenses later.
Smart Spending: Insights on how to prioritize necessary expenses over wants, and how to stretch your discretionary spending.

Real-Life Scenarios: From managing graduation expenses to preparing for holiday spending, learn how to tackle specific financial situations you may face in May.

Budgeting isn’t just about numbers; it’s about setting yourself up for financial peace and success. Tune in, get practical advice, and start making smart financial decisions 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

This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase!

240 | Financial Freedom: Confronting Personal Myths and Unpacking Money Baggage

Mon, 22 Apr 2024 11:21:52 -0400

Ever wonder why you think about money the way you do? Tune in as we dive into the world of "money baggage"—those deep-rooted beliefs and habits about money picked up from childhood that sneakily guide how you handle finances today.

Key Highlights:

- What is Money Baggage? It’s all those notions and habits about money you picked up while growing up, like thinking money is always scarce or that saving is the only way to be secure. These can shape your financial decisions in ways you might not even realize!

- Couples and Cash: Hear how different money backgrounds can make waves in relationships. We share insights on why it’s crucial for partners to unpack each other's financial histories to build a stronger, more understanding bond.

- Changing the Financial Game: Learn through stories from real-life coaching sessions how recognizing your financial past can change your financial future. It’s all about transforming those old money beliefs to make way for healthier financial habits.

- Empowerment Through Awareness: Awareness is your new best friend! The episode highlights how understanding your own money story can empower you to rewrite it. Get ready to tackle those inherited money views and set yourself up for a financially savvy future.

Get inspired to shake off those old money misconceptions and step into a brighter, more financially aware tomorrow! Join the conversation and start changing how you view and use money in your 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

This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase!

239 | Budget Mastery with Single Mom Veronica

Thu, 18 Apr 2024 10:03:00 -0400

Today, we're thrilled to share the story of Veronica, a single mom and accounting technician from Nevada County who is taking bold steps to master her family budget.

In This Episode:

Real Challenges, Real Solutions: Veronica opens up about the financial hurdles of managing a household with an inconsistent income. Her journey is packed with practical takeaways for anyone looking to stabilize their financial life.

Simplifying with a One-Page Budget: Discover how Veronica uses a one-page budget template to gain a comprehensive overview of her finances. This tool simplifies complex financial information, making it accessible and manageable.

Mastering Bi-Weekly Budgeting: Learn the significance of aligning budget planning with bi-weekly paychecks. This strategy is key for anyone looking to make the most of their income cycles and foresee extra earning periods.

Family Involvement in Finance: Veronica's strategy includes involving her children in budget discussions, particularly around the costs associated with their sports activities. This educative approach promotes financial literacy and responsible spending from a young age.

Account Management Tips: We discuss the importance of separating financial accounts to distinctly manage bills and discretionary spending, a crucial step for preventing financial mix-ups and stress.

Veronica’s story isn’t just about overcoming financial challenges—it’s about transforming them into opportunities for growth and stability. Her proactive measures and the simple yet effective tools she uses are perfect examples of how anyone can take control of their finances with the right approach.

Join us to glean insights on how straightforward budgeting techniques can make a significant difference in your financial wellbeing. Veronica's experiences shed light on common financial pitfalls and how to avoid them through structured planning and disciplined budget management.

If you're inspired by stories of real transformation and practical financial strategies, this episode is a must-listen. Veronica’s steps towards financial mastery offer valuable lessons on budgeting that can be applied to various financial scenarios, helping you build a more secure and prosperous 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

Join Our Group Coaching Program Now!

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238 | Budgeting Basics: From Bills to Personal Spending

Wed, 17 Apr 2024 07:04:23 -0400

Today we're thrilled to share some golden nuggets from our group coaching sessions, where we dive into the art of managing personal finances. We're unpacking real-life coaching scenarios that illustrate the power of thoughtful financial planning. Our aim? To give you practical tips and insights that can help you navigate your financial journey with confidence and clarity.

Key Insights We Discussed:

-Value-Based Spending: We're big believers in spending according to what truly matters to your family. It’s not about keeping up with the Joneses; it’s about making choices that align with your values. This approach not only saves money but also enriches your family’s life.

-Strategic Budgeting: We talk about how to craft a budget that covers the essentials while leaving room for paying off debt and saving. Knowing your minimum budget can dramatically improve your financial health, giving you a clearer picture of where to trim the fat and where to invest more.

-Debt Management: We explore effective strategies for tackling debt. Prioritizing high-interest debt repayment can free up more money in the long run, enabling you to invest in your future without the drag of past financial decisions.

-Family Financial Planning: Involving the whole family in budgeting decisions is a game-changer. We share how discussing financial choices openly can help everyone understand the value of money and make collective decisions that benefit all.

-Celebrating Financial Milestones: Recognizing every win along your financial journey is crucial. Whether it’s paying off a small debt or reaching a savings goal, celebrating these milestones can motivate and inspire continued effort and dedication.

Real-Life Coaching Takeaways:

-Immediate Impact of Debt Repayment: Imagine freeing up $500 in your budget by paying off your car. We discuss how impactful this can be, giving real-life examples from our coaching that highlight the immediate benefits of clearing debt.

- Proactive Management of Emergencies: We emphasize the importance of an emergency fund and how to budget for unexpected expenses. This proactive approach can save you from financial stress down the road.

-Engaging Family in Financial Decisions: Teaching kids about budgeting and involving them in financial decisions is not just empowering; it’s essential. It helps them understand the impact of financial choices from a young age.

Today, we're here to reassure you that with the right strategies and a bit of teamwork, managing your finances can be less daunting and more rewarding. We're excited to help you build a sturdy financial foundation that supports your dreams and goals. Whether you're dealing with debt, adjusting your budget, or planning for future expenses, we've got your back every step of the 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

This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase!

237 | Packing Joy, Not Debt: How to Plan, Budget & Save For Family Vacations and Travel

Mon, 15 Apr 2024 13:24:36 -0400

Start planning your next adventure with our free travel budget planner available at ⁠budgetbesties.com/travel. ⁠

In this episode, we delve into the art of planning memorable family vacations without the financial stress. Discover the joy of traveling smart, from picking destinations to handling unexpected costs, ensuring a smooth and enjoyable experience for everyone. Our hosts guide listeners through a comprehensive approach to vacation budgeting, sharing their personal tips and practical tools to make dream vacations a reality without relying on credit.

Planning Ahead: The importance of deciding on the 'when' and 'where' early in the year, allowing for detailed budgeting and saving for the trip.
Budgeting for Travel Costs: Tips on calculating the total costs of transportation, whether you're driving, flying, or using other means. Includes reminders about hidden costs like airport meals and parking fees.
Accommodation Costs: How to estimate and budget for different types of lodging and potential additional fees (e.g., for parking or amenities).
Daily Expenses: Strategies for managing food costs, including the benefits of mixing dining out with simple grocery shopping to create a balance that suits your family's needs and budget.
Extra Expenses: Insight into budgeting for activities, shopping, and souvenirs, highlighting the necessity to anticipate and plan for these expenditures to avoid financial surprises.
Saving Strategies: Practical advice on setting up a dedicated savings account for travel, making regular contributions to spread the cost over time, and purchasing travel necessities as they go on sale.
Mindset for Travel: Encouraging a proactive and positive outlook on budget travel, focusing on planning and preparation to enhance the overall vacation experience.

This episode empowers families to take control of their vacation planning, ensuring that every aspect of the trip is budgeted for and paid in cash. By adopting a strategic approach to travel spending, families can enjoy enriching experiences together without the post-vacation financial hangover. Whether you're planning a beach escape or a cultural adventure, the insights shared here will help you navigate the planning process with confidence and ease.

Start planning your next adventure with our free travel budget planner available at ⁠budgetbesties.com/travel.⁠ ⁠This tool will help you organize, budget, and envision the perfect getaway that fits your financial situation, making your next vacation both memorable and affordable.

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

⁠Snag Our Signature Budget Template!

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236 | Breaking the Cycle: How Darlene, a Single Mom, Plans to Escape Living Paycheck to Paycheck

Fri, 12 Apr 2024 10:00:00 -0400

In this episode we're dive deep into the life changes and financial strategies of Darlene, a resilient single mother from Canada, as she navigates through significant career and personal transformations. With a background in hairstyling and a current position in cleaning, Darlene opens up about her struggles with income, her aspirations for a brighter future, and her determination to redefine her career path. Through a live coaching call, we explore the challenges of budgeting with fluctuating income, the pressures of saving for a move, and the power of mindset in overcoming financial hurdles.

Darlene’s Story: Learn about Darlene's journey from a hairstylist to pursuing a new career path amidst the challenges of being a sole parent and dealing with a physically demanding job.
Navigating Financial Struggles: Darlene shares her struggles with making ends meet, managing erratic income, and the stress of not having enough savings to feel secure.
The Power of Budgeting: Discover the transformative potential of getting finances on paper, understanding the basics of budgeting, and the importance of identifying and managing essential expenses.
A Vision for the Future: Darlene’s aspirations for a career change and the steps she's considering to achieve her goals, including moving to a new city for better opportunities and a lower cost of living.
Investing in Self-Growth: The dilemma of investing in personal development through courses and certifications, versus the practical approach of gaining experience and confidence through direct action and learning from free resources.
Embracing Change with Determination: Insights into Darlene’s resolve to build a new life that not only meets her financial needs but also brings her joy and fulfillment.

What You’ll Learn:

Strategies for managing finances with irregular income and how to create a realistic budget that accommodates fluctuating earnings.
The importance of setting clear financial goals, prioritizing expenses, and cutting unnecessary costs to achieve financial stability.

Darlene’s story is a testament to the strength and resilience required to navigate life’s financial challenges and career transitions. Her journey highlights the importance of mindset, budgeting, and strategic planning in overcoming obstacles and achieving one’s dreams. Whether you’re facing similar financial dilemmas or considering a significant career change, Darlene’s story offers valuable lessons and inspiration for taking control of your financial future and pursuing a path that brings you joy and fulfillment.

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

This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase!

235 | Cash Flow Chronicles: Breaking The Paycheck to Paycheck Cycle By Ditching Debt

Wed, 10 Apr 2024 10:00:00 -0400

In this episode, we dive deep into the heart of budget success stories and wisdom gleaned from real-life coaching sessions. Whether you're dreaming of a debt-free life, stress-free vacations, or navigating the complexities of loan consolidation, we've got tips that will transform the way you approach your finances. Join us as we explore actionable strategies, celebrate client triumphs, and debunk common financial myths. Get ready to be inspired by tales of credit card liberation, strategic debt repayment, and the peace that comes from financial clarity and confidence.

Key Insights & Triumphs:

Credit Card Freedom: Learn how one determined client and her husband embraced a new way of life, halting credit card use entirely and paying off $5,000 in debt in just two months.
Stress-Free Celebration: Imagine attending your son's wedding without financial worries. We share how careful planning and saving allowed a client to enjoy her son's big day, focusing only on the joy and not the costs.
Strategic Debt Repayment: Discover the power of commitment and how jumping in with both feet can lead to accelerated debt repayment and financial freedom.
The Peace of Systematic Finances: Hear about a client who found peace through a structured financial system that made budgeting and saving for travel seamless and worry-free.
A New Financial Identity: Revel in the story of a single mom and nurse who transformed her financial outlook, paying off debt aggressively and building a new relationship with money.
Navigating Loan Consolidation: We tackle the tough decision of whether to consolidate loans, weighing the benefits of reduced payments against the potential for increased interest costs.

This episode is a testament to the transformative power of financial education and personalized coaching. Through the stories of our clients, we see that with the right mindset, tools, and determination, anyone can conquer their financial challenges and achieve their dreams. Let these lessons inspire you to take control of your finances, make informed decisions, and step confidently into a future where financial stress is a thing of the past.

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

This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase!

234 | 12 Rules to Live Bougie on a Budget: Balancing the Lifestyle You Want With Your Financial Goals

Mon, 08 Apr 2024 10:27:58 -0400

Ever wondered how to keep your lifestyle while on a budget? Look no further! In this eye-opening episode, we delve into the secrets of living 'bougie on a budget.' We explore how strategic choices, mindful spending, and financial savvy can transform your lifestyle from mundane to magnificent without the financial strain. Join us as we discuss how to make peace with your budget, eliminate guilt, and create a lifestyle that aligns with your deepest desires and values. It's time to redefine budgeting and make your dream life a reality!

Key Takeaways:

Transforming Budgeting: Discover how budgeting can be your golden ticket to achieving the lifestyle you've always desired, filled with peace and without the guilt.
Strategic Lifestyle Choices: Learn how prioritizing and making conscious decisions about where to splurge can lead to a more fulfilled and luxurious life.
Financial Mindfulness: Understand the importance of being intentional with your spending and how awareness and control over your finances can lead to greater peace of mind.
Optimizing Expenses: Tips on how reviewing and adjusting your bills and subscriptions can lead to substantial savings.
Empowering Financial Decisions: The power of saying 'no' to unnecessary expenses and 'yes' to what truly matters, ensuring your spending aligns with your values and goals.
The Joy of Saving: How shifting your mindset to find excitement in saving rather than spending can change your financial landscape.
Creating Financial Systems: Utilizing multiple bank accounts for different goals to keep your finances organized and goal-oriented.
Family Financial Harmony: Encouraging open and positive discussions about money within the family to build a collective vision towards financial well-being.
Self-Sufficiency: The benefits of becoming your own financial safety net and how it empowers your spending and saving habits.
Generous Giving: How being in control of your finances enables generous giving on your terms, enriching not only your life but also those of others.

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

This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase!

233 | Finding Peace in 'No': Strategies for Graceful Boundary Setting with Tanya Engesether

Fri, 05 Apr 2024 09:00:00 -0400

Want to know the secret to setting boundaries that honor your values and commitments, empowering you to lead a more balanced and fulfilling life?

In this episode, we had the pleasure of welcoming Tanya Engesether, a healthcare leader by day and a podcaster and Certified Christian life coach by night. With a rich background of 27 years in healthcare, 17 of which were in leadership roles, Tanya shares her transformative journey through leadership challenges, particularly during the COVID era, and how it led her to embrace Christian life coaching. She dives deep into the art of setting boundaries and saying no with grace, a skill vital for maintaining balance and mental health in our daily lives.

Key Highlights:

Tanya's Dual Role: Discover how Tanya juggles her demanding healthcare leadership role with her passion for podcasting and life coaching.
The Importance of Boundaries: Learn why setting boundaries and the ability to say no with grace is crucial for personal growth and professional success.
Personal Journey: Tanya shares her personal struggle with people-pleasing and seeking approval, tracing back to her upbringing, and how she overcame these challenges through faith and self-awareness.
Practical Advice: Gain actionable tips on how to evaluate your commitments, identify what truly aligns with your core values, and politely decline opportunities that don't serve your highest good.
Empowering Strategies: Tanya provides strategies for gradually implementing boundaries, starting with small, manageable steps to build confidence and assertiveness.
The Role of Faith: Insight into how Christian values and faith can guide the decision-making process, helping to distinguish between personal calling and external pressures.

About Our Guest: Tanya Engesether, host of the Grace Filled Leader podcast and a seasoned healthcare leader, blends her professional experiences with Christian life coaching to empower individuals, especially women, to establish healthy boundaries and pursue balanced, fulfilling lives.

Episode Resources:

To dive deeper into Tanya's work and explore her coaching services, visit her website at Grace Filled Leader and tune into the Grace Filled Leader podcast for more insights on leadership, faith, and personal development.
Check out Tanya's Free 7 Day Gratitude Journal.

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

This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase!

232 | Game-Changing Budget Strategies for Families with Kids in Sports & Business Finances For Entrepreneurs

Wed, 03 Apr 2024 10:00:00 -0400

In today's episode, we dive deep into the world of managing family finances, especially when it comes to the costs associated with kids' activities like sports, and how to efficiently systemize your business finances to better support your personal life. Whether you're struggling with the financial demands of your children's hobbies, seeking to escape the cycle of credit card dependency, or aspiring to create a seamless financial system for your business, this episode is packed with invaluable insights and actionable tips to help you navigate these challenges.

Key Points:

Budgeting for Kids' Activities: Learn how to prepare for and manage the expenses related to your children's sports and other activities. Discover the strategy of using "savings buckets" to plan and save for these costs, allowing you to enjoy their passions without financial stress.

Escaping Credit Card Dependency: We explore the common pitfall of relying on credit cards for managing both personal and business finances and provide strategies for breaking this cycle to achieve more secure financial footing.

Systemizing Business Finances: For the entrepreneurs, we delve into how to separate and automate your business finances to ensure your business efficiently funds your personal life. This includes setting up specific accounts for different needs and automating payments and savings.

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

This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase!

231 | Simplify Your Budget: The Magic of Multiple Bank Accounts (Savings, Spending, Bills & Debt)

Mon, 01 Apr 2024 11:17:51 -0400

Hey there, budget besties! Are you ready to take control of your finances with grace and ease?Imagine each account as a beautifully labeled jar on your kitchen shelf, each one holding a different ingredient for the perfect financial recipe.

If you’ve ever felt like your finances are a complex maze you can’t seem to navigate, this episode is your beacon of hope. We're diving deep into the surprisingly simple strategy that’s changing the game for savvy moms everywhere: using multiple bank accounts to streamline your budgeting process.

This episode is a practical, step-by-step guide to decluttering your financial life, setting you on the path to true financial freedom. We’ll explore how dividing your money into different accounts can not only simplify your budgeting process but also give you unprecedented clarity and control over your financial destiny.

We’ll walk you through how to identify the essential accounts you need, from your day-to-day spending to your big-picture savings goals. Plus, we’ll discuss the art of automation – making your money work for you while you sleep, and how to select a bank that aligns with your personal values and financial goals.

Tune in to transform your approach to budgeting, turning what once was a chore into a powerful strategy for achieving your dreams. It's time to rewrite your financial narrative, and it starts with understanding the pivotal role of multiple bank accounts in your journey. Let’s create a plan that not only makes sense but makes your dreams possible.

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

This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase!

230 | A Toast 🥂 to Transformation: Celebrating 300K Plays And Our Listeners' Successes

Fri, 29 Mar 2024 12:21:07 -0400

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

Grab Our Free Savings Buckets Planner Here

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229 | Stumped on How to Budget For Your Beauty Routine? This Glam-Up Savings Bucket Strategy Will Help You Afford Hair, Nails and Other Self-Care

Wed, 27 Mar 2024 10:06:00 -0400

Welcome to a sparkling new episode where we dive into the glitzy world of beauty and personal care without breaking the bank. Ever wondered how you can keep looking fabulous while sticking to your budget? We’ve got the secret sauce for you: creating a Glam Up Fund! This episode is all about being bougie on a budget, and we’re here to show you exactly how to make it work.

Highlights:

Being Bougie on a Budget: Discover the art of looking fabulous without sacrificing your financial goals. We introduce the concept of a Glam Up Fund—a budget-friendly way to manage expenses related to your beauty and personal care.
Creating Your Glam Up Fund: Learn the step-by-step process of setting up a budget for all things beauty. From hair and nails to facials and massages, we cover how to calculate your yearly expenses and break them down into manageable monthly savings.
Practical Tips and Tricks: Get practical advice on how to track and manage your Glam Up Fund, including rounding up expenses for simplicity and considering cash payments to support small business owners.
Freedom to Spend: Embrace the freedom that comes with having a dedicated budget for personal care. No more guilt trips over getting your nails done or indulging in a spa day—it’s all part of the plan.
Resources and Tools: Check out the savings bucket template linked in the show notes to get started on organizing your Glam Up Fund today.

Why You’ll Love This Episode:

This episode is perfect for anyone looking to balance their love for beauty and personal care with their financial objectives. You don’t have to give up on feeling good about yourself to save money. With our guide to creating a Glam Up Fund, you can plan, save, and enjoy your beauty routines guilt-free.

Key Takeaway:

Being bougie on a budget isn’t just a catchy phrase—it’s a lifestyle. By strategically planning and saving for your beauty expenses, you can enjoy the best of both worlds: looking and feeling great while keeping your finances in check

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

This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase!

228 | Spring Into Savings: Make Your April Budget With Us (April Specific Budget Step-By-Step)

Mon, 25 Mar 2024 10:03:00 -0400

Let's get that April budget made before April showers come!

Welcome back, budget besties! As March wraps up and April peeks around the corner, it's the perfect time to dive into your budget planning. If you haven't started on your April budget yet, don't worry – you're right on time. This episode is all about setting you up for success, making sure you're not just reacting to your finances but planning ahead. So, grab your calculator, and let's brainstorm together!

Highlights of Today’s Episode:

Wrap Up March: Before we leap into April, let's close out March properly. Compare your planned budget to what actually happened. This step is crucial for understanding where you stand financially and helps identify areas for improvement.
Income and Paycheck Planning: Get a clear picture of your April income, including when those paychecks will hit your account. We share with you the idea of being a paycheck ahead to ease financial stress.
Debts and Bills: We dive into categorizing your debts and bills. This separation allows you to see where your money is going clearly and highlights areas where you might cut back or reallocate funds.
Spending Wisely: The magic happens in the spending category. After allocating funds for essentials like gas and groceries, we discuss the importance of intentional spending on things that matter to you, whether that’s dining out, hobbies, or self-care.
April Specifics: Don't forget to consider April-specific expenses. From tax returns to spring break and seasonal maintenance, we cover what you might need to add to your budget this month.
Life Events and Savings Goals: Whether it's saving for summer camps, planning for weddings, or gearing up for garage sales, we encourage you to incorporate these into your April budget.
We Want to Hear From You: Share your April goals and budgeting questions with us. We're here to help you navigate through your financial journey with ease and confidence.

Why This Episode is a Must-Listen:

April brings new opportunities and challenges, and being prepared is key to navigating the month with financial peace of mind. Whether you’re a budgeting newbie or a seasoned planner, this episode offers valuable insights, tips, and encouragement to help you take control of your finances. By the end, you'll be ready to tackle April with a well-thought-out budget and a clear action plan.

Your Takeaway:

Budgeting isn’t just about crunching numbers; it’s about making intentional choices that align with your goals and lifestyle. Remember, we're here to guide you every step of the way, making budgeting less daunting and more empowering.

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

This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase!

227 | Budget Breakthroughs: Financial Transformations: Stories of Defeating Debt, Savings Success, and the Power of Teamwork In A Marriage

Fri, 22 Mar 2024 10:01:00 -0400

Today, we're diving deep with relatable stories from our incredible clients - their challenges, their victories, and the monumental shifts that changed everything. 💥

Here's a sneak peek of what's in store:

- 🚀 A jaw-dropping story of wiping out $12,000 in student loans in just ONE month.

- ❤️ From money fights to dreamy date nights: A couple's journey to debt freedom and making decisions on their own terms, away from the noise.

- 🏦 From the brink of draining savings for a business hiccup to boosting savings by $2,000 - all in the nick of time.

- 🛣️ The mental marathon: Discover the mindset shifts that paved the way for these success stories.

But wait, there's more:

- 🌟 Lessons from the Sessions: Our key takeaways and the wisdom we all gained along the way.

- 📈 Shattering the "I can't afford coaching" myth with real stories of transformation.

- 🤝 Special spotlight on our veterinarian friend turning chaos into clarity and a business owner navigating a tough season like a boss.

And because we can't keep calm about it:

- 📣 Our Group Coaching Program is buzzing with energy, accountability, and breakthroughs, all at a wallet-friendly rate! It's your turn to start, soar, and see just how far you can go.

Ready to rock your finances? Hit play now! 🎧

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

This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase!

226 | How To Get Debt-Free Faster: What Your Extra Payments Really Tackle

Wed, 20 Mar 2024 10:01:00 -0400

Join Group Coaching!

Today, we're diving deep into the world of debt reduction, specifically focusing on the impact of extra payments. Whether you're dealing with credit card debt, student loans, or a mortgage, understanding how your payments are applied can make a massive difference in your financial journey.

In This Episode, You'll Learn:

The difference between making minimum payments and extra payments.
How credit card companies calculate your payments and why it's designed to keep you in debt longer.
The truth about principal vs. interest in your payments and how this affects the total interest paid over time.
A detailed comparison of the snowball and avalanche methods for paying down debt.
Real-life strategies to apply extra payments effectively and reduce your debt faster.

Pro Tips:

How to decipher your statement charts and understand exactly where your money is going.
Strategies for adjusting your budget to maximize your debt payments.

Actionable Advice:

Start today by reviewing your loan statements and identifying how your payments are currently being applied.
Choose a debt reduction strategy (snowball or avalanche) that best fits your financial situation and goals.

Paying off debt requires more than just making payments; it requires a strategy. By understanding what your extra payments really tackle, you can make informed decisions that lead to financial freedom faster.

4 Ways To Connect With Us:

1️⃣ FREE CALL: Book your FREE 20-Minute Financial Coaching Call now! Get personalized advice and start your financial journey ➡︎ https://www.budgetbesties.com/freecall

2️⃣ FACEBOOK: Become part of our Supportive Facebook Group. Connect, share, and learn with others mastering their budget skills ➡︎ https://www.budgetbesties.com/facebook

3️⃣ BUDGET: Grab our Signature Budget Template! It's your key to organizing and optimizing your finances effectively ➡︎ https://budgetbesties.com/budget

This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase!

225 | Splurges, Savings, and Starbucks: How To Be Bougie on a Budget

Mon, 18 Mar 2024 10:00:00 -0400

In today's episode, we tackle the concept of being "bougie on a budget." We're here to show you how to elevate your lifestyle, enjoying the finer things in life while keeping an eye on your finances. With our unique insights and strategies, you'll learn how to indulge in your desires without compromising your financial well-being.

#### Key Highlights:

- Embracing Bougie on a Budget: We dive into what it means to live a bougie life without overspending, balancing your aspirations for living your life with practical budgeting strategies.

- A Novel Approach to Financial Advice: Discover why our guidance stands out from traditional financial wisdom. It’s about enjoying your journey with money, not restricting yourself to the point of missing out on life’s joys.

- Prioritizing Mindful Spending: Learn how to allocate your budget to match your values and lifestyle goals. Whether saving for vacations or enjoying your daily Starbucks, we reveal how to make your budget work for you.

- Strategies for Selective Bougieness: From smart savings on recurring bills to frugality in chosen life areas, we offer actionable tips to help you save where it counts, so you can spend where it matters most to you.

- Granting Permission for a Bougie Lifestyle: We encourage you to live your best life in a financially responsible manner. It's about owning your financial journey and making choices that allow for bougie pleasures without the guilt.

#### Summary:

Tune in to this must-listen episode if you're eager to enhance your life without forgoing your financial ambitions. Whether aiming to clear debt while still relishing life’s pleasures or saving for future dreams without feeling restricted, we equip you with the encouragement and strategies you need. Join us in redefining what it means to be bougie on a budget, proving that with the right financial approach, you can enjoy the best of both worlds.

Check out budgetbesties.com for more on our group coaching program and embark on a journey toward joyful, savvy financial management 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

This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase!

224 | Breaking the Debt Cycle: Celeste's Strategy to Overcome Credit Cards & Consolidation Loans and More

Fri, 15 Mar 2024 10:00:00 -0400

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 🌟

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

This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase!

223 | Behind the Curtain: Business Wins, Personal Milestones, Budgeting Myths and Everything In-Between

Wed, 13 Mar 2024 10:01:00 -0400

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

This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase!

222 | What Would Your Life Be Like Without Debt Payments? 3 Reasons You Need To Get Out Of Debt Asap

Mon, 11 Mar 2024 10:00:00 -0400

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

This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase!

221 | Struggling with Budgeting? Join Our Special Guest Jineth to Master Your Finances & Stop the Paycheck to Paycheck Cycle!

Fri, 08 Mar 2024 11:41:54 -0400

Join us in a thought-provoking episode where we sit down with Jineth, a dedicated single mother and teacher, navigating the complexities of managing finances while raising four children. This coaching call is a deep dive into the practical strategies and insights we discuss to help Jineth find clarity and direction in her financial journey, minus the overwhelm.

Unveiling the Story Behind the Numbers: Our conversation with Jineth isn’t just about the figures in her bank account; it's about understanding the life she’s building and the choices she faces. It's a look into the real-life application of financial planning when the stakes include not just one’s future, but the future of a family.
Simplifying Financial Goals: The complexity of Jineth's financial situation has at times seemed like a thick fog, making it hard to see the way forward. We explore how breaking down her financial planning into manageable, clear steps can help clear that fog, making her goals more attainable.
Strategic Steps Forward: Together, we map out a plan for Jineth that involves organizing her finances in a way that mirrors her life’s priorities, setting realistic goals, and establishing a simple yet effective money/budget system that caters to her family’s unique needs.

Jineth's coaching session is a testament to the power of facing our financial narratives head-on and the transformative potential of targeted, compassionate guidance. This episode isn't just about Jineth; it's a mirror reflecting the shared struggles and triumphs of anyone on the path to financial peace. Tune in for a dose of inspiration, practical advice, and the warm reassurance that it's possible to navigate the financial waters to a brighter, more empowered 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

This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase!

220 | “How Do I Stay Consistent With My Budget When I Have No One To Hold Me Accountable?” We’re Answering This Question So You Can Crush Your Money Goals This Month!

Wed, 06 Mar 2024 11:00:00 -0400

Ever felt like sticking to a budget is a battle you’re fighting alone? Well, you're not alone in feeling alone! This episode is all about turning the tide on your budgeting habits. We're breaking down how to make your budget work for you – as easily as pouring your morning coffee. We're saying goodbye to the headache and hello to a smooth ride to financial freedom, all on your own terms.

What You'll Learn:

You Got This! How to keep your budget on track without an accountability partner.
Set It and Forget It: Tips on making your money management almost automatic.
Smart Money Moves: The lowdown on setting up your accounts to make managing money a breeze.
Why Group Coaching Rocks: Discover how a group vibe can boost your budgeting success, even if you’re flying solo.
Be Your Own Cheerleader: How to build a trusting relationship with yourself and your budget.

Key Points:

Make It Automatic: Like your fave coffee machine, setting up your finances to work automatically can make sticking to your budget way easier.
Separate Your Money: Having different pots for bills and spending can clear up a lot of confusion and help you stay in control.
Treat Yourself: Incorporating little rewards along your budgeting journey isn’t just fun – it helps keep you motivated.
Find Your Why: Knowing what you’re budgeting for can turn a should-do into a must-do.

Wrap-Up: Mastering your budget doesn’t have to be a struggle solo. With a few clever tricks and some self-trust, you can hit those financial goals and maybe even have some fun along the way. Whether you're setting your finances to run themselves, rewarding your achievements, or getting pumped with your group coaching squad, you're more than capable of being your own financial hero. Let's do this!

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

This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase!

219 | Tackling Debt and Saving Money While Living Paycheck to Paycheck

Mon, 04 Mar 2024 12:38:26 -0400

Welcome back to our latest episode where we tackle a topic that's close to many of our hearts: how to navigate the tricky waters of debt, savings, and the all-too-common cycle of living paycheck to paycheck. If you've ever found yourself counting the days until your next payday, this episode is crafted just for you. With heartfelt advice and actionable strategies, we're diving deep into ways to transform your financial landscape.

#### What You'll Discover:

- Debt Demolition Tactics: Explore targeted strategies to tackle your debt head-on. Learn from stories of those who've been in your shoes and emerged victorious, providing that spark of hope and motivation you need.

- Savings Strategies While on a Debt Journey: Delve into how you can save for the future without derailing your debt repayment plan. Balancing both is possible, and we'll show you how.

- Purposeful Paycheck Planning: Discover the art of living paycheck to paycheck by design, not by default. Learn to allocate your earnings in a way that covers all bases—needs, wants, and savings.

- Navigating Financial Storms: Life's unpredictable moments don't have to throw your finances off course. Gain insights on how to adjust your financial plan during times of change, ensuring you remain on solid ground.

#### Episode Gems:

- Budgeting as a Lifeline: Realize budgeting's true purpose—to empower you, not restrict you. A budget is your roadmap to financial freedom, letting you direct where your money goes.

- The Single-Debt Focus: Understand why zeroing in on one debt at a time can accelerate your journey out of debt, making the process more manageable and less daunting.

- Saving Smarts: Start small but think big. Initiating minor savings contributions can lead to significant financial growth, enabling you to fund dreams and goals sustainably.

- Strategic Paycheck Allocation: Our step-by-step guide to making every paycheck count. We’ll show you how to stretch your earnings to ensure you're covered for groceries, bills, and a little bit of fun, too.

#### Real-Life Transformations:

Hear heartening stories about listeners who've turned their financial lives around using the very strategies we discuss. These tales of triumph are not just inspiring—they're a testament to what's possible when you take control of your finances.

If you're ready to break the cycle of living paycheck to paycheck, crave financial stability, or simply want to manage your money more effectively, this episode is your must-listen. For additional resources and to begin your journey toward financial empowerment, visit http://myidealbalance.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

This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase!

218 | Make Your March Budget With us: Step-by-Step Budget Building and Financial Planning

Fri, 01 Mar 2024 20:21:35 -0400

Today we're making a budget for March! This time, we're not just talking theory; we're bringing you practical insights from a live call that launched our group coaching program. Get ready to dive into everything from grocery bills to savings buckets and investments.

Key Highlights:

1. The Importance of March Budgeting:

March brings unique financial considerations. It's crucial to plan for income, debts, bills, and unique situations.
We'll tell you how to create your March budget step-by-step.
We discuss the significance of adjusting your budget to accommodate the month's needs, ensuring you're prepared for any changes in expenses.

2. Live Call Insights:

Our live call was a treasure trove of practical questions and scenarios, ranging from managing grocery and utility bills to the intricacies of creating savings buckets and making smart investments.
The interactive nature of the call provided real-world examples and solutions, making budgeting more relatable and actionable.

3. Practical Steps for Budget Planning:

Closing out the previous month: A critical step to ensure a clean slate for March.
Setting up a basic budget: Identifying income, debts, bills, and unique monthly expenses.
The role of savings and investments in your budget: Strategies for allocating funds wisely.

4. Engaging with Your Financial Goals:

We stress the importance of setting clear financial goals for March, whether it's saving for a trip, reducing debt, or planning for large purchases.
The podcast provides actionable steps to achieve these goals, including how to allocate unexpected income like tax refunds or bonuses.

March is more than just another month; it's an opportunity to take control of your financial destiny. With the right planning and a bit of group support, you can navigate the month's financial challenges with confidence. Join us in our group coaching program or dive into our budgeting resources to make this March your most financially savvy month yet.

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

This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase!

217 | How to Start Budgeting the Right Way: The Essential 90-Day Review

Wed, 28 Feb 2024 11:00:00 -0400

Have you ever felt completely stuck when it comes to budgeting? Like, you know you need a budget, but the numbers in your bank account just don't seem to match up with what's on your spreadsheet? If this sounds familiar, today's episode is going to be a game-changer for you. We're diving into the transformative power of the 90-day review, a crucial first step that sets you up for budgeting success. This isn't just about crunching numbers; it's about understanding your financial habits and setting realistic expectations.

What You'll Learn:

- Why most budgets fail and how a 90-day review can change that.

- The exact steps to conduct your own 90-day financial review.

- How to use the insights from your review to create a budget that actually works.

- Exciting details about our new group coaching sessions!

Key Points:

1. The Struggle with Budgeting:

- Discuss common issues people face when starting to budget.

- Share personal anecdotes about budgeting mishaps and what they taught us.

2. The Power of a 90-Day Review:

- Explain what a 90-day review is and why it's crucial.

- How reviewing three months of spending can provide the clarity needed to set realistic budget goals.

3. How to Conduct a 90-Day Review:

- Step-by-step guidance on collecting and analyzing financial statements.

- Tips on categorizing spending to see where your money is actually going.

4. Setting the Stage for Successful Budgeting:

- Use the data from your review to establish a budget that reflects your true spending patterns.

- Strategies for adjusting your budget as you gain more discipline and insight into your finances.

If you're tired of budgeting feeling like a guessing game, this episode will equip you with the tools to start with confidence and clarity. Remember, successful budgeting isn't just about restricting spending—it's about making informed decisions that align with your financial 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

This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase!

216 | Beyond the Baby Steps: Why Dave Ramsey's Method Might Not Work for You

Mon, 26 Feb 2024 11:00:00 -0400

Ever felt like Dave Ramsey's money rules just don't fit your life? You're not alone! This episode is all about why some folks struggle with sticking to Dave's plan and how there's a different way to do money that feels right for you. We've been there, done that with Dave's methods, and while we're all for getting out of debt, we know the journey can look different for everyone.

What We're Chatting About:

- Our Dave Ramsey Journey: We got debt-free with Dave's help and even got certified to teach his stuff. But, we noticed something was missing – the nitty-gritty on how to actually make a budget work for you.

- Why Dave's Way Isn't for Everyone: It's not that Dave's advice isn't good; it's just that sometimes, life doesn't fit into neat little boxes. We talk about why some folks find it tough and what we think is missing.

- The Real Deal with "Gazelle Intensity": Going all out on getting out of debt sounds great, but it can also make you feel like you're missing out on life. We share thoughts on finding a balance that doesn't leave you feeling guilty for enjoying a coffee out now and then.

- Budgeting for Real Life: We dive into why a one-size-fits-all budget doesn't work and how tweaking things to fit your lifestyle and priorities can make a huge 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

This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase!

215 | Feeling Overwhelmed by Finances? Discover How Simplifying Can Transform Your Money Management - Budgeting Tips & Financial Freedom Insights w/ Monica Baker

Fri, 23 Feb 2024 11:00:00 -0400

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

Snag Our Signature Budget Template with Vanessa's coupon!

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214 | Navigating the Path to Debt-Free Living: Vanessa's Financial Coaching Success Story

Wed, 21 Feb 2024 11:00:00 -0400

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

This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase!

213 | Beyond Paycheck to Paycheck: Stories of Budget Success & Debt Payoff Strategies

Mon, 19 Feb 2024 11:00:00 -0400

In this heartfelt episode, we journey through the lives of individuals and families who've transformed their financial landscapes. By embracing budgeting, tackling debt, and shifting their money mindsets, our clients have moved from living paycheck to paycheck to creating pathways toward generational wealth. With a sprinkle of wisdom from financial gurus like Dave Ramsey and our unique approach, we delve into stories of resilience, support, and financial breakthroughs.

Client Stories Highlighted:

- The Big Decision Maker: Learn how one client went from indecision and financial stress to taking a bold step that not only paid off debt but also brought peace and clarity to their financial journey. This story underscores the power of budgeting and making informed financial decisions.

- Embracing Simplicity: Discover how downsizing and simplifying life led to not just significant debt reduction but also a happier, more content lifestyle. This narrative highlights the importance of aligning your spending with your values and the transformative impact of living within your means.

- From Shame to Game Plan: Hear how one individual overcame the shame of credit card debt with our nonjudgmental support system, leading to a complete overhaul of their money mindset and steps toward building generational wealth.

- Automating Success: Dive into the story of a client who revolutionized their financial management by automating bill payments and budgeting, proving that small changes can lead to big savings and less reliance on living paycheck to paycheck.

- The Budget Template Triumph: A tale of how our simple yet effective budget template empowered a family to gain control over their finances, reduce credit card usage, and set a foundation for generational wealth—all through the lens of accountability and a solid support system.

- Generational Shifts: Witness the journey of a client who broke free from the cycle of living paycheck to paycheck to establish a legacy of financial stability and generational wealth for their family, inspired by principles from Dave Ramsey and tailored advice from us.

Why This Episode Is a Must-Listen:

- Relatable Solutions: Each story is a testament to the challenges and triumphs of real people facing everyday financial dilemmas.

- Actionable Advice: You'll get practical strategies that can be applied to your own journey towards financial freedom.

- Supportive Community: We reinforce the importance of having an accountability partner or support system in navigating the complex world of personal finance.

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

This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase!

212 | Two Hearts, One Budget: Solutions for Combining Finances & Maximizing Your Money as a Married Couple

Fri, 16 Feb 2024 11:00:00 -0400

Ever feel like money matters are the rain on your relationship parade? You're not alone! This episode is all about turning those financial frowns upside down and getting you and your better half on the same page. From budgeting without the bore to spending without the spat, we're diving into ways to make money talks something you'll actually look forward to.

What We're Unpacking Today:

- Chatting About Cash Without the Clash: Discover the secret sauce to talking about money without starting World War III in your household. It's all about the approach, folks!

- Budgeting That Doesn't Suck: Say hello to our lifesaver, the signature budget template. This isn't your grandma's budgeting method. It's a one-stop shop for tracking your cash flow, dreams, and everything in between. Picture this: a lazy Saturday morning, coffee in hand, and setting up a budget that's actually fun. Yes, it's possible!

- "Me Money" for Harmony: We're big believers in a little "me money." It's like a mini-vacation from your budget. Everyone gets a slice of the pie to spend on whatever makes their heart sing - no side-eye from your spouse.

- Dreaming Big Together: Ever dream of sipping wine in Portugal or owning a beach house? Let's make those dreams a part of your financial plan. It's all about setting those big, sparkly goals together and making them happen.

Key Tips to Take Home:

1. Open the Money Chat: Kick off those fear-of-fighting vibes and start talking money in a chill way.

2. Personal Pocket Money: Allocate some cash for just-you treats. It's a game-changer.

3. Dream Team Goals: Brainstorm those wild and wonderful dreams. Then, plot to make them real, together!

Your Homework:

Check out budgetbesties.com/budget to grab our budget template and start your journey to financial bliss. Remember, talking money doesn't have to be a drag. Let's make it something you both look forward to, one budget line item at a time. Here's to money talks that lead to more walks... in the sunset, dreaming together.

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

This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase!

211 | Bringing Couples Closer: Unraveling the Financial Tug-of-War in Marriage

Wed, 14 Feb 2024 11:00:00 -0400

In this episode, we delve deep into a common yet often unspoken issue that many couples face: financial friction. This tug-of-war over money can sometimes feel like it's pulling spouses apart rather than bringing them closer together. Our aim is to shed light on the underlying problems causing this tension and offer actionable solutions to turn financial management into a tool for unity in marriage.

Key Points Discussed:

1. The Common Struggle: Many couples experience a sense of division when it comes to handling finances. This episode opens up the conversation about the reality that money, instead of being a source of contention, can actually be a catalyst for bringing couples closer.

2. Identifying the Core Problems:

- Lack of Trust: Trust issues manifest in various financial behaviors, such as the need to ask for spending permission, separate banking, and the dominance of one partner over financial decisions.

- Lack of Respect: This is seen when one partner second-guesses the other's financial decisions, leading to a breakdown in communication and mutual respect.

- Unequal Contributions: Challenges arise when there's a disparity in income but an expectation for equal financial contribution, leading to stress and hidden debt.

- Communication Breakdown: Not being open about finances, hiding purchases, and not discussing financial desires or fears contribute to marital strain.

3. Solutions Preview: While the episode focuses on outlining problems, it also teases the upcoming solutions in a mini-series dedicated to money and marriage, emphasizing the importance of getting on the same page financially.

Join us as we explore how to transform financial management from a source of conflict into a foundation for stronger marital bonds. Whether it's through trusting each other with finances, respecting each other's decisions, aligning on contributions, or improving communication, there's a path forward for every couple facing these challenges.

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

This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase!

210 | Budgeting Made Easy: 7 Real-Life Habits That Make Sticking To The Budget Second Nature

Mon, 12 Feb 2024 09:26:55 -0400

Ever wondered how some people make budgeting seem effortless? In today's episode, we dive into the habits and strategies that have transformed our approach to managing money. By sharing our personal experiences and the practical steps we've taken, we aim to inspire you to adopt these habits for a healthier financial life.

- Dining Out Strategically: We discuss the importance of planning how often to eat out each month. This simple yet effective strategy can save you a significant amount of money and encourage healthier eating habits.

- Meal Planning Mastery: Learn how planning your meals can prevent impulsive dining out, especially during busy days filled with activities. We share our personal approach to meal planning, ensuring it's both practical and doable, regardless of your schedule.

- The Importance of Cash Transactions: Hear about our habit of using cash for certain expenses to maintain control over our spending and avoid unnecessary debt.

- Automating Bill Payments: We emphasize setting up auto-pay for your bills to avoid late fees and manage your finances more efficiently.

- Conscious Spending: Before making a purchase, ask yourself if it's truly necessary. We advocate for budgeting for non-urgent expenses in the following month, promoting thoughtful and deliberate spending.

- Maximizing Wardrobe Lifespan: Get tips on making the most out of your clothes and resisting the urge to buy new ones unnecessarily. This habit not only saves money but also encourages a more sustainable lifestyle.

- Family Game Nights: Discover how replacing some of your outings with family game nights can create memorable experiences without straining your budget.

- Thrifty Shopping: We share our love for thrift shopping and how it aligns with our budgeting goals, offering both savings and the thrill of the hunt for great deals.

By incorporating these habits into your daily life, you can make budgeting feel less like a chore and more like a rewarding journey toward financial freedom. Whether it's through strategic dining out, meal planning, or thrifty shopping, each small habit contributes to a larger goal of financial well-being.

Remember, the journey to financial freedom is a personal one, and these strategies are meant to be adapted to fit your unique situation. Start with one habit, see the difference, and gradually incorporate more as you progress. Here's to a healthier, happier 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.myidealbalance.com/freecall

2️⃣ FACEBOOK: Become part of our Supportive Facebook Group. Connect, share, and learn with others mastering their budget skills ➡︎ https://www.myidealbalance.com/facebook

3️⃣ BUDGET: Grab our Signature Budget Template! It's your key to organizing and optimizing your finances effectively ➡︎ https://myidealbalance.com/budget

Set Up A Scholarship Strategy Session w/ Kara!

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209 | Scholarship Secrets for a Debt-Free College Journey with Kara Walker

Fri, 09 Feb 2024 11:00:00 -0400

In today's episode, we're thrilled to welcome back Kara, a beacon of inspiration for those navigating the path to college without the burden of student loans. As a 20-something Christian entrepreneur and amateur snowboarder, Kara shares her journey from being a high school student fascinated by personal finance to becoming a pioneer in strategizing a debt-free college education.

Key Takeaways:

- Kara's Philosophy: Loans were never an option for Kara. Her approach to financing college was akin to solving a puzzle, using resources like CLEP tests, scholarships, grants, and internships to not only avoid debt but to graduate with savings.

- A Path Less Traveled: Kara's story is a testament to the possibilities that open up when you view college financing through a lens of resourcefulness and proactive planning. Her strategies included testing out of classes, utilizing community college for lower tuition costs, and capitalizing on various scholarships and grants.

- The Iceberg of Scholarships: Kara introduces us to the concept of scholarships being like an iceberg, where most opportunities lie below the surface. She emphasizes the importance of digging deeper beyond the initial financial aid award letters and exploring options through high school advisors, community colleges, and external organizations.

- Scholarships for All Ages: Kara shares that there are scholarship opportunities available even for middle schoolers, highlighting the importance of starting the search early and considering non-traditional paths to funding education.

- Diverse Scholarship Criteria: Not all scholarships require stellar GPAs or essays. Many are available based on interests, majors, or even the college you plan to attend. Kara's approach involves personalizing the scholarship search to match the individual's unique situation.

Kara's Tips for Scholarship Success:

- Explore Beyond the Obvious: Don't stop at the financial aid award letter. Look for scholarships offered by your department, local businesses, and organizations related to your field of study.

- Record Keeping: Maintain detailed records of all communications and applications. This not only helps in staying organized but can also be crucial in resolving any discrepancies.

- Seek Professional Guidance: Kara offers personalized scholarship strategy sessions, leveraging her expertise to find opportunities tailored to individual profiles. With her help, students and parents can navigate the scholarship landscape more effectively, potentially unlocking thousands in funding opportunities.

Connect with Kara:

Kara's podcast, Money and Mental Peace, provides more insights into financing college without loans. She's offering our listeners a special discount on her scholarship strategy sessions. Use code "CASHFORCOLLEGE" for 15% off and start your journey toward a debt-free college experience.

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

208 | Real Budget Wins: Client Success Stories That Inspire

Wed, 07 Feb 2024 13:29:48 -0400

Imagine trying to book a vacation but realizing your credit cards are maxed out. Sounds familiar, right? We've all been there. But here's the good news: it's possible to enjoy life, be on a budget, and pay off debt—all at the same time. Today, we're diving deep into the stories of people just like you, sharing the lessons we're learning together. This episode is packed with laughter, relatable stories, and actionable takeaways that you can apply to your own financial journey.

Real Stories, Real Lessons:
- Overcoming Financial Overwhelm: Learn from a client who faced the challenge of managing simultaneous big bills and how they found a way to navigate their savings effectively.
- Impulse Spending to Intentional Saving: Hear the transformational story of someone who went from impulse spending to creating a plan for future financial stability.
- Innovative Budgeting with Irregular Income: Discover how a couple with unpredictable income managed to automate their finances, creating peace of mind and financial consistency.
- Redefining Success: Be inspired by a family's decision to sell their house to live debt-free, choosing values over vanity.
- Strategic Business Moves: Gain insights from a business owner who made a savvy decision with a large upfront payment, setting her business and personal finances up for success.

Key Takeaways:

Strategies That Work: We're sharing proven strategies to help you achieve your financial goals, whether you're saving, paying off debt, or both.
Empowerment Through Perspective: Learn how changing your perspective and getting the right advice can dramatically improve your financial situation.
Living True to Your Values: We'll show you the power of making decisions based on what truly matters to you, not just what society expects.

Conclusion: Today's episode is all about hope, empowerment, and practical steps you can take to master your money moves. Whether you're struggling with budgeting, facing financial uncertainties, or just looking to make smarter financial decisions, there's something in this episode for you. Remember, your financial journey is unique, and it's all about taking steps that align with your values and 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

This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase!

207 | Budgeting with ADHD: Overcoming Impulse Spending

Mon, 05 Feb 2024 11:22:14 -0400

Are you struggling with sticking to a budget or curbing impulse spending, especially if you have ADHD? You're not alone. In this episode, we dive into ADHD-friendly ways to manage your money, offering tips and techniques that are beneficial for anyone facing similar challenges. Whether it's the allure of impulse buying or the struggle with budgeting, we've got you covered with smart strategies to take control of your finances.

Waiting Period Before Purchases: A simple yet effective strategy to combat impulse buying is to wait a certain period before making a purchase. This allows you to evaluate the necessity and value of the item, often leading to the realization that you don't need it.

Removing Credit Card Information: Deleting your credit card information from online sites adds an extra step before purchasing, which can deter spontaneous buying.

Shopping with Good Return Policies: Opting for retailers that offer easy returns can help mitigate the consequences of impulsive buying decisions, allowing for easier rectification of mistakes.

Utilizing Wishlist and Pinterest Boards: Instead of immediate buying, curate wishlists or Pinterest boards. This satisfies the urge to shop while providing time to consider the actual need and utility of the items.

Delete Shopping Apps: Removing shopping apps from your phone, including social media apps that trigger spending, can significantly reduce impulse purchases.

Setting Monthly Spending Limits: Establish a budget for discretionary spending to enjoy the freedom of buying without the guilt of overspending.

Using Cash and Envelopes: Physical separation of cash for different expenses can help in better managing and tracking spending.

Seeking Accountability: Having a friend, partner, or coach to discuss potential purchases can provide a reality check and prevent unnecessary spending.

Making Saving a Game: Transform saving into a rewarding game by setting goals and celebrating achievements to replace the temporary high of spending with the lasting satisfaction of saving.

DIY and Creativity: Engaging in DIY projects or finding creative solutions can fulfill the desire for newness without the financial cost.

Avoiding Emotional Spending: Being mindful of emotional triggers and finding alternative ways to cope can prevent spending sprees during emotional highs and lows.

Alternative Dopamine Sources: Identifying activities that bring joy and fulfillment can replace the temporary thrill of impulse buying with more sustainable and enriching experiences.

Managing finances, especially with ADHD, can be challenging, but with the right strategies and support, it's entirely possible to curb impulse spending and take control of your budget. Implementing even one of these tips this week can make a significant difference in your financial well-being.

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

This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase!

206 | Why Your Budget is Always Falling Apart and 7 Easy Ways to Make It Stick

Fri, 02 Feb 2024 11:46:51 -0400

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

This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase!

205 | Create Your February Budget With Us: What to Include & How to Plan!

Wed, 31 Jan 2024 12:04:24 -0400

Let's set up your February budget together! Whether you're a budgeting novice or a seasoned planner, we've got insights, tips, and real-life examples to ensure you start the month on solid financial ground. Grab your pen, paper, and let's brainstorm together!

In This Episode:

The Importance of a Budget: We kick off with a gentle nudge towards the significance of budgeting, especially as we enter a new month. Our focus is on making budgeting an accessible and accountable process for everyone, with or without coaching.
Wrapping Up January: We stress the importance of closing out the previous month properly. This involves reviewing your accounts, checking off budgeted versus actual expenses, and ensuring everything aligns before moving forward.

Setting Up February's Budget:

Income: We emphasize the need to detail your income sources accurately, including the timing and amount of paychecks.
Debt: Listing out your debts, including minimum payments and due dates, helps you tackle them methodically.
Bills: Your monthly bills should remain relatively consistent, providing a stable foundation for your budget.
Spending: We guide you through allocating funds for groceries, gas, personal spending, and any upcoming special expenses.
Savings: If there's room in your budget, we discuss the importance of saving for future expenses and paying down debt.

Anticipating February Expenses: From Valentine's Day to Super Bowl parties, we remind you of potential expenses that could impact your budget.
Real-Life Client Goals:** We share stories from our clients to inspire and motivate you. From saving for spring break to tackling medical bills, our clients' goals cover a wide range of financial aspirations.

February offers a fresh start to refine your budgeting practices. With our one-page budget template and practical advice, you're well-equipped to tackle the month's financial challenges head-on. Remember, whether it's saving for future expenses, managing debt, or planning for special occasions, a thoughtful budget is your roadmap to financial stability and peace of mind.

Ready to take control of your February budget? Head over to myidealbalance.com/budgettemplate to download our free budgeting tool and start planning today. Your financial goals are within reach, and we're here to help you achieve 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

This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase!

204 | One Mom's Shift: From Drowning in Debt to Planning Backyard Renovations

Mon, 29 Jan 2024 22:29:32 -0400

Snag Our Signature Budget Template Use Coupon Code NATALIE for $25 off!

Welcome back, friends! In this heartwarming episode, we bring you a special story from one of our listeners, Natalie, who shares her transformative journey with our signature budget template. Natalie, a full-time working mom from Cave Creek, Arizona, opens up about the financial challenges her family faced and how they found a lifeline in our budgeting tool. This episode is a testament to the power of taking control of your finances and the positive ripple effects it can have on your relationships and future plans.

Like many of us, Natalie and her husband struggled with budgeting and managing their finances effectively. They found themselves overspending each month, even after the relief of no longer having to pay daycare fees for their two young daughters. Natalie's attempts at budgeting with Excel sheets proved futile, leaving her feeling overwhelmed and defeated.

Natalie's turning point came when she stumbled upon our podcast and subsequently our budget template. Despite her initial skepticism, the user-friendly design, comprehensive features, and the promise of financial clarity convinced her to give it a try. Natalie's excitement was palpable as she shared how the template not only simplified budgeting but also made it engaging and effective.

- Impact on Family Dynamics: The budget template became more than just a financial tool for Natalie's family; it was a catalyst for open communication and shared goals. Natalie and her husband, who had previously been on different pages regarding finances, found common ground and started working together towards their financial objectives. This newfound teamwork has brought them closer and made them more proactive about their financial future.

- Features That Made a Difference: Natalie highlighted several aspects of the template that particularly stood out to her:

- Debt Tracker and Snowball Method: These features provided a reality check and a structured plan to tackle their debts systematically.

- Monthly Spending Sheet: This allowed Natalie to monitor their spending and income more effectively, fostering a sense of accomplishment with each bill paid.

- Paycheck Plan: Simplified money management between paychecks, encouraging a more disciplined approach to spending.

- Debt-Free Budget Tab: Offered a glimpse into the future, showing the possibilities that could unfold once they are debt-free, including their dream of renovating their backyard.

Conclusion:

Natalie's story is a powerful reminder that with the right tools and mindset, transforming your financial situation is possible. Her enthusiasm and positive outlook are infectious, inspiring us to take control of our finances and work towards a brighter future. If Natalie's journey resonates with you, consider giving our budget template a try and see how it can change your life for the better.

Remember, it's never too late to start on the path to financial wellness. Natalie's story is not just about budgeting; it's about hope, resilience, and the joy of working together as a family towards shared dreams. Let's take this inspiration and apply it to our own lives, one budget at a time.

Special Offer:

In honor of Natalie's incredible journey, we're offering a special discount on our signature budget template. Use the coupon code "Natalie" for $25 off and start your own journey to financial freedom.

⁠Snag Our Signature Budget Template ⁠Use Coupon Code NATALIE for $25 off! 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

This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase!

203 | Budgeting Made Simple: A Stress-Free Approach to Managing Your Money In 2024

Fri, 26 Jan 2024 11:00:00 -0400

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!

Common Budgeting Mistakes: Many people overcomplicate budgeting, which can lead to confusion and frustration. We discuss these pitfalls and how to avoid them.
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.
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.
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.
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.
Savings and Planning Ahead: Emphasize the importance of saving for foreseeable expenses, like oil changes or vacations, to avoid last-minute financial stress.
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

This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase!

202 | Using Savings Buckets To Plan for Unexpected Expenses & Budget Like A Pro

Wed, 24 Jan 2024 16:08:05 -0400

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

Snag Our Savings Bucket Tracker!

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201 | 2024 Money Saving Strategy: Start the Year Right with Savings Buckets!

Mon, 22 Jan 2024 11:48:21 -0400

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:

Introduction to Savings Buckets: Savings buckets are essentially designated savings accounts for specific purposes, helping you save systematically and avoid financial stress.
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.
The Necessity of Savings Buckets: They're essential for being financially prepared for predictable expenses like vehicle maintenance, home repairs, or even Christmas gifts.
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.
Types of Savings Buckets: We categorize them into 'needs' (like emergency funds, annual bills) and 'wants' (like vacations, kids' activities).
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.
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

This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase!

200 | 200 Episodes Later: Lessons in Finance and Persistence

Fri, 19 Jan 2024 15:45:45 -0400

🎉 Here we are at our 200th episode! It's an incredible milestone, and we're thrilled to share this moment with all of you. Reflecting on our journey from being avid podcast listeners to hosting our own show, we've learned and grown so much.

🚀 Our Evolution: From the start, we were amazed at the idea of doing something 200 times consistently. Our growth has been about more than just numbers; it’s been a journey of consistent effort, learning from others, and doubling down on what works - especially our commitment to financial coaching.

📈 The Impact We've Made: We want to express our heartfelt gratitude to you, our listeners. Your feedback and stories have been inspiring, and watching our community grow has been nothing short of amazing.

👥 Connecting With You: Every encounter, be it a random meeting at a grocery store or emails from you, has reinforced our love for this work. It's your stories and successes that drive us every day.

📚 Our Learning Curve: We've come a long way since our first episode. Investing in our skills and focusing our efforts on online content has propelled our growth and allowed us to reach more of you.

💬 Memorable Moments: We've had our share of hilarious and chaotic moments while building our business. These experiences have taught us resilience and dedication, and we wouldn't have it any other way.

🎤 Your Success Stories: Sharing your stories of financial freedom and transformation has been the most rewarding part of our journey. Every debt paid off, every budget successfully managed, is a testament to the power of financial coaching.

🌱 Setting Goals and Focusing: We've learned the importance of setting meaningful goals and concentrating our energy on specific objectives for effective growth. And we encourage you to do the same!

📖 What's Coming Next: We're excited to announce our upcoming project – a financial devotional journal. It's a new way for us to connect with you and provide more value.

🙏 A Big Thank You: Finally, a huge thank you to each one of you for joining us on this journey. Your support, stories, and feedback mean the world to us. Here's to many more episodes and continued growth together!

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199 | Should Your Teenager Be Paying for Their Own Car Insurance?

Wed, 17 Jan 2024 11:44:56 -0400

Should your kids be paying for their own car insurance? This question often goes unconsidered, as many parents automatically assume the responsibility without a second thought. We're here to challenge this norm! This isn't just about adding a line item in your budget; it's about a crucial life lesson.

Key Points Discussed:

A Reality Check on Car Insurance Costs:
- We start with an eye-opening example: a family's car insurance bill skyrockets to $1,400 monthly after adding a second teen driver. This situation sparks our conversation about financial responsibilities and budgeting in families.
Cultivating Financial Independence in Teens:
- Our stance is clear and strong: teenagers should contribute to their car insurance payments. This practice fosters a sense of ownership and responsibility, integral to their growth and maturity.
Steps Towards Fiscal Maturity:
- We delve into practical ways for parents to introduce financial responsibilities. By encouraging teens to manage expenses like car insurance, phone bills, and gas, we set them on a path to adulthood, equipped with essential financial skills.
Mastering Life's Balancing Act:
- Addressing concerns of overburdening teens, we emphasize the importance of balancing academics, work, and financial duties. These life lessons are invaluable in preparing them for the real world.
Creative Parental Support:
- For parents keen on supporting their teens, we propose innovative methods like setting aside money in a separate account. This approach ensures that children learn essential financial skills while still receiving parental support in the background.
Fostering Self-Reliance and Confidence:
- We conclude by advocating for letting teens take charge of their financial responsibilities. This not only reveals their capabilities but also instills a sense of achievement and self-reliance.

Final Thoughts:Tune in for an engaging discussion that offers valuable insights for parents striving to raise financially savvy and independent children. Learn how to strike the right balance between guidance and independence, setting your kids up for a confident and capable future.

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198 | Elevate Your Savings Game: The Simple Shift to High-Yield Accounts So Your Money Works For You

Mon, 15 Jan 2024 14:20:49 -0400

Imagine your money as your most efficient employee, working tirelessly in the background while you enjoy life. That's what we're unpacking today. It's not just about saving, it's about smart saving, using automation, and the power of high-yield accounts to make every cent count.

Automation is King: Learn how to automate your financial system. From bills to savings, let your bank work as your personal financial assistant.
High-Yield Savings Accounts: Move beyond the basic savings account. Discover the benefits of high-yield savings or money market accounts to grow your emergency fund or save for big goals.
Debt Management: Understand why avoiding debt is crucial and how being debt-free can actually make you wealthier.
Be Your Own Bank: We delve into the concept of saving for specific goals and making purchases in cash, empowering you to be your own lender.

In a nutshell, this episode is about turning your financial management into a smooth, automated machine, earning you money even when you're not actively managing it. Remember, it's not just about saving; it's about saving smartly and spending wisely.

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197 | How She Managed Her Debt Payoff Journey Instead Of Using A Credit Consolidation Journey (And Paid Off Her Car!)

Fri, 12 Jan 2024 13:46:04 -0400

In this inspiring episode, we chat with Becky, a 44-year-old accountant from Oklahoma, who shares her incredible journey of overcoming financial hurdles. Despite being in the middle of a busy season and juggling responsibilities with her chickens and dog, Becky enthusiastically delves into her experience with debt consolidation, budgeting struggles, and how she turned her financial situation around.

Highlights of the Episode:

Becky's Background: An accountant with a love for life, struggling with debt payments and budgeting.
Turning Point: Discovering our podcast and deciding against debt consolidation, choosing financial coaching instead.
Strategy Shift: Calling creditors, negotiating payments, and restructuring her financial approach.
Success Story: Paying off $7,200 and six debts in just six months!

Key Takeaways:

Empowerment Over Debt: Becky's choice to take control of her debt instead of opting for debt consolidation.
The Coaching Impact: How working with a financial coach provided Becky with accountability and a practical plan to tackle debt.
Budgeting Revelations: Transitioning from budgeting struggles to creating efficient systems for managing finances.
Unexpected Wins: Paying off significant debts, including a car payment, and planning for vacations while still clearing debt.
Mindset Shift: Realizing the importance of trusting the budget and understanding the nuances of financial planning.

Becky’s Advice: Trust in your budget, understand it's okay to have fluctuations in your bank account, and always keep your goals in focus.

Why This Episode is a Must-Listen:Becky’s story is not just about paying off debt; it's a testament to the power of resilience, strategic planning, and the positive impact of financial coaching. Her journey from feeling overwhelmed by debt to becoming a proactive and savvy budgeter is both motivational and educational.

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196 | How To Create A Budget That Works For Your Family And Actually Stick To It

Wed, 10 Jan 2024 11:00:00 -0400

Today's episode dives into creating and sticking to a budget that is tailored to your family's unique lifestyle, goals and schedule. We debunk the myth of one-size-fits-all budgeting strategies and offer a comprehensive guide for your family's unique needs and lifestyles. Plus, we share the secret to making budgeting easier and more effective so you can actually stick to it.

Key Points Discussed:

Budgeting is Not One-Size-Fits-All: Every family is unique, and so should be their budget. Generic templates often fail because they don't consider individual family needs and habits.
Our Signature Budget System: We've designed a budget template that's comprehensive yet simple, including a paycheck plan and a checklist for payday. The system is complemented by a course that guides you through the process.
Conduct a 90-Day Review: A crucial step is to review your past three months' expenses. This helps in understanding your spending patterns and setting a realistic budget.
Five Essential Budget Categories: Our system breaks down your budget into five key areas - Income, Debt, Bills, Spending, and Savings. Each category is tailored to reflect your unique lifestyle and goals.
Involving the Family: Budgeting should be a family affair. Discuss with family members to understand their needs and upcoming expenses, such as school trips or sports activities.
Adapting to Different Pay Schedules: Your budget should align with how you get paid, whether it's weekly, bi-weekly, or through bonuses. Tailor your budget to fit your income schedule.
Setting Goals and Staying Motivated: Having clear financial goals is crucial for sticking to a budget. Visualize your goals to stay focused and avoid impulsive spending.
Practical Tips to Stick to Your Budget: Use tools like cash envelopes for accountability, set reminders for budgeting tasks, and separate your money into different accounts for different purposes.

Budgeting doesn't have to be a chore. With the right system and approach, tailored to your family's needs, it can be an empowering and rewarding process.

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195 | Setting Financial Goals To Make 2024 Your Best Year With Money

Mon, 08 Jan 2024 11:46:03 -0400

Welcome to 2024! In today's episode, we're focusing on how to set and reach your money goals this year. It's all about planning, taking action, and making smart choices with your money. We're here to show you how to do this, step by step.

Key Points:

Learning About Money:
- We talk about our budget template that helps you track your money, plan for the future, and make sure you’re saving enough.
- Learning about money means not just listening but doing. Use what you learn to change how you handle your money.
Setting Goals:
- Make clear goals for your money. Whether you want to save more, pay off debt, or buy something big, you need to know what you’re aiming for.
- We discuss short-term and long-term goals. Short-term might be not using a credit card this week, while long-term could be saving for retirement.
Steps to Reach Your Goals:
- Break big goals into smaller steps.
- Use tools like automation to help manage your money without needing to think about it every day.
- Check in regularly to stay on track.
Dealing with Challenges:
- Be ready for unexpected costs and problems. They happen, but they don’t have to ruin your plans.
- Keep focused on why you’re doing this. Remember what you’re saving for or why you want to be debt-free.
- Get your family or partner involved. It’s easier when you’re working together.

This year can be a great one for your money. Set clear goals, take small steps, and stay focused.

🔑 Key takeaways:

Consider short, mid & long term goals 📚
Set SMART goals 🎯
Break down big goals into small steps 👣
Stay consistent and adapt to challenges 💪

Listen now and start your journey towards a financially blessed 2024! 💫

Connect With Us:

⁠Snag Our Simplified Budget System!

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194 | Frustrated with Your Personal Finances? Our Method for Getting Over the Shame So You Can Budget, Save Money & Feel Financial Peace

Fri, 05 Jan 2024 11:05:00 -0400

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:

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! 😮🖍️
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. 📊💬
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! 🥧💡
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! 🧞‍♂️✨
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! 🎉📅
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. 🎈🗝️
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

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193 | 10 Tips To Stop Living Paycheck To Paycheck

Wed, 03 Jan 2024 18:46:15 -0400

2024 seems like a good year to break free from the paycheck to paycheck cycle. Listen for ten tips we have that can help you today, everything from mindset to actual things to do with your money, bank accounts and habits!

Here are some key highlights:

Mindset Shifts
- It's often not as bad as it seems: Overcoming mental barriers
- The importance of a tangible budget: Seeing is believing
Key Strategies
- Conduct a 90-day spending review: Uncover surprising expenses
- One-Page Budget Template: Simplify budgeting
- Embrace being a beginner: B-minus work is okay!
Automating Finances
- Benefits: Time-saving, avoiding late fees, sticking to the budget
- The concept of a financial "straight jacket"
Income Management
- Change the mindset: From paycheck-focused to monthly income planning
- Consistent allocation for expenses: Groceries, savings, etc.
The Paycheck Plan
- Adopt healthy financial habits: Consistency and predictability
- Zero-based budgeting: Every dollar has a job
Avoiding Impulse Shopping
- Impulse shopping pitfalls: Budget disruption and misaligned priorities
- Strategies to resist: Delaying gratification, prioritizing bigger goals

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182 | Breaking Free from Paycheck to Paycheck: Learn How To Plan Your Paychecks

Wed, 03 Jan 2024 18:38:51 -0400

Welcome to a new world of financial ease with the Paycheck Plan – your pathway to financial liberation!

In this exciting episode, we unveil the secrets of our exclusive Paycheck Plan, a strategy designed to revolutionize the way you handle your finances every payday. This isn't just about managing your money; it's about transforming your relationship with it. Get ready to witness your savings flourish, your debts dwindle, and embrace the financial freedom you've always desired.

Introduction to the Paycheck Plan:

Discover the intricacies of the Paycheck Plan and its role in reshaping your financial habits.

Learn how it simplifies the management of savings, spending, and debt payments.

The Role of Our Signature Budget Template:

Explore how our custom budget template can streamline your financial planning.

Understand its value and compare it to other significant investments in life.

Implementing the Paycheck Plan:

Get a step-by-step walkthrough on how to put the Paycheck Plan into action.

Delve into the principles of zero-based budgeting and its advantages.

Client Success Stories:

Hear about various personal approaches to the Paycheck Plan.

Real-life examples show how the strategy can be adapted for monthly, bi-monthly, and weekly finances.

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192 | Mastering Money: How Real Families Triumphed Over Debt and Budgeting Challenges (And How You Can Too)

Mon, 01 Jan 2024 16:12:57 -0400

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.

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191 | Wrapping Up 2023: Your Financial Checklist for a Money-Savvy New Year

Fri, 29 Dec 2023 13:41:47 -0400

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:

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.
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.
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!
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.
Organize Financial Records: A great time to declutter and organize your financial documents. A clean slate leads to a clear mind!
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.
Insurance Policy Review: Check if your current policies still meet your needs. Changes in life circumstances can often lead to necessary adjustments in coverage.
Retirement Contributions: Are you maximizing your retirement contributions? Adjusting your contributions can significantly impact your long-term financial health.
Charitable Contributions: Consider making year-end charitable contributions. It’s a great way to give back and can also offer tax benefits.
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!
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.

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190 | Jumpstart Your January Budget: Make Your Budget With Us

Wed, 27 Dec 2023 15:10:27 -0400

Hey there, budgeting besties! Are you ready to dive into the new year with a solid financial plan? If you haven't crafted your January budget yet, you're in the perfect place! Just like nurturing loyal customers after a successful digital course, managing your finances requires engagement, strategy, and a forward-thinking mindset. In this episode, we're going to unfold the secrets to a powerful January budget, setting you up for a prosperous start to the year.

Reviewing December

Importance: Understanding past spending, especially during the holiday season.
Tips: Adjust budgets based on actual expenses, learning from any overspending.

January Budget Planning, Five Essential Components:

Income: Adjust for any new year changes.
Debts: Include any holiday spending and plan for repayment.
Bills: Account for new subscriptions and winter utility changes.
Spending: Review and adjust discretionary categories.
Savings: Update goals and start year-long saving habits.

Special January Considerations

Debt Management: Tips for addressing holiday debt.
New Year Resolutions: Incorporating health and wellness goals into your budget.
Tax Preparation: Planning for the upcoming tax season.
Savings Goals: Setting targets for the new year.

Client Stories & Practical Tips

Real-life experiences: Learn from client stories on budget adjustments and savings strategies.

Call to Action: Grab the free one-page budget template at budgetbesties.com/budgettemplate to kickstart your January budgeting journey.

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189 | Merry Christmas!

Tue, 26 Dec 2023 02:10:15 -0400

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188 | Budgeting, Spending Habits & Dave Ramsey (Best of 2023)

Fri, 22 Dec 2023 14:52:28 -0400

Hey there, budget besties! In this power-packed episode, we're diving deep into the world of budgeting and spending habits. Whether you're a budgeting pro or just starting out, we've got some golden nuggets of advice that are sure to help you take control of your finances like never before.

We're not just talking theory here – these are practical, real-world strategies that have worked for us and countless others. So grab your notepad, and let's jump into the key takeaways from today's episode:

8:26 - The Perfect Time to Start Budgeting: We talk about why there's no better time to start budgeting than now. Don't wait for a 'perfect' financial month; the best time is always the present.

13:53 - Understanding Your Spending Habits: Get insights into how analyzing your bank and credit card statements can reveal a lot about where your money is going.

21:03 - Creating a Personal Spending Budget: We discuss the concept of 'pocket money' – a budget for guilt-free spending within limits, balancing enjoyment with responsibility.

24:34 - The Downside of Credit Cards: Learn about the pitfalls of relying too much on credit cards and the psychological benefits of using cash.

26:25 - Comparing Budgeting Approaches: We compare our flexible, personalized approach to budgeting with more rigid methods like those advocated by Dave Ramsey.

Remember, understanding and controlling your spending is key to financial empowerment. It's not just about cutting back – it's about making smarter choices and knowing where your money is going.

Ready to Elevate Your Financial Savvy? Grab your earbuds and a cozy cup of coffee, and settle in for a deep dive into mastering your finances. Tune into our episode now for insights and strategies that will transform the way you view and manage your money. It's time to turn those budgeting challenges into triumphs!

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187 | Why Your Spouse Isn't On Board With The Budget [Encore Episode]

Wed, 20 Dec 2023 11:01:00 -0400

Today, we delve into a relatable and often challenging topic: convincing your spouse to embrace financial coaching. This conversation extends beyond just managing finances; it's about understanding and addressing the deeper issues that arise when spouses disagree on important decisions like financial coaching.

Key Points:

Understanding Resistance: We start by recognizing that hesitation towards financial coaching often originates from more profound relationship issues, particularly around decision-making and shared goals.
The First Hurdle - Financial Commitment: We discuss the common perception of financial coaching as a mere expense versus an investment in the family's future, emphasizing the long-term benefits of this investment.
Privacy Concerns: Addressing common fears about privacy and the discomfort in discussing finances openly, we assure listeners that the process is confidential and non-judgmental.
Shame and Responsibility: This segment delves into the feelings of shame and failure, especially prevalent among men who feel responsible for their family's financial well-being. We encourage seeing this step as a courageous act of taking control and changing the family's financial path.
Transformative Stories: Sharing real-life client stories, we illustrate the impactful results of overcoming initial resistance and achieving significant financial milestones.

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186 | Mastering Time Management: Balancing Life, Business, and Personal Growth with Kali Brigham

Mon, 18 Dec 2023 12:53:06 -0400

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:

Balancing Multiple Roles: Kali shares her experience in handling various roles, offering valuable insights for our audience of busy moms and entrepreneurs.
Time Management Techniques: Learn about the "Sunday brain drain" and other practical tips for organizing your week.
Setting Priorities: Kali emphasizes the importance of aligning activities with personal and family values.
Delegating Effectively: Discover how to identify tasks that can be delegated to others, including family members.
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 Perfect-ish 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

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.

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185 | Business Besties: A Journey of Friendship and Entrepreneurship

Fri, 15 Dec 2023 13:37:51 -0400

Welcome to another episode of "Business Besties," the unrequested yet wholly delightful podcast where we share our journey as business partners and best friends. In today's episode, we're diving into some memorable moments from our four-year journey, discussing our realizations, funny memories, and how we celebrate our successes.

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184 | Our 2023 Gift Guide: Thoughtful & Useful Ideas for Family, Kids, Teachers & Friends to Spark Your Holiday Gifting

Wed, 13 Dec 2023 13:17:22 -0400

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.

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.

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183 | Budgeting vs. Accounting: Taking Control of Your Finances

Mon, 11 Dec 2023 13:52:18 -0400

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! 💪💰🌈

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181 | How This Special Ed Teacher Ditched Impulse Spending, Afforded Daycare & Paid Off Debt

Wed, 06 Dec 2023 12:28:07 -0400

We're chatting with Catherine, a super mom and special ed teacher who's been rocking a side gig in copywriting. We're diving into her inspiring journey of turning financial chaos into calm.

Catherine's World: Catherine juggles a demanding teaching career with her creative side hustle in copywriting, all while being a mom to two adorable, energetic little ones. It's a life filled with love, laughter, and, let's be honest, a bit of chaos too.

The Lightbulb Moment: Picture this: Catherine, just like any of us, stumbles upon our podcast-specifically an Impulse Spending episode. It sparks something in her. She's dealing with rising daycare costs that are giving her sleepless nights. She thinks, “Enough is enough,” and decides it's time for a change.

Budgeting Like a Boss: Here’s where Catherine turns things around. She starts by mapping out where her money is going (and where it needs to stop going!). She sets some real goals, giving every dollar a job. It’s not just about cutting back; it’s about making smart choices.

Sinking Funds to the Rescue: Catherine introduces us to her game-changer strategy: savings buckets. Think of these like little pots of gold for different needs – one for daycare, another for those unexpected 'oops' moments, and even one for celebrating the good times, guilt-free.

Tackling Daycare Like a Pro: So, daycare costs are soaring, right? Catherine doesn't just throw her hands up. She tweaks her budget, making room for this non-negotiable expense. Her daycare sinking fund becomes her peace of mind, ensuring her kiddos get the care they need without breaking the bank.

Kissing Impulse Buys Goodbye: We've all been there – those little purchases that add up. Catherine shares her secret sauce: mindful shopping. She starts asking herself, "Do I really need this, or is it just a 'want'?" Plus, switching to cash makes her think twice before splurging.

Life on the Brighter Side: Catherine's not just surviving; she's thriving. Less worry about bills means more quality time with her family. She’s feeling confident and in control, setting an amazing example for her kids on how to handle money with grace.

Catherine's Heartfelt Advice: To anyone feeling overwhelmed with their finances, Catherine’s got your back. She says, "Face it head-on. Get help if you need it. Trust me, it’s worth it."

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180 | The Ultimate Wallet Guide: Cash, Credit, or Debit? What You Need to Know!

Mon, 04 Dec 2023 13:09:12 -0400

Your wallet is more than a fashion accessory; it's a tiny window into your financial soul. Today, we're stirring up the age-old debate of cash versus cards. It's a showdown that goes beyond convenience and taps into your financial psyche. Are you ready to journey into the heart of your spending habits? Whether you're a staunch supporter of cash or a card-carrying member, we've got some intriguing insights for you!

Cash or Cards? We're getting real about credit cards, debt power, and the charm of cash. It's all about what these choices mean for your wallet and financial health.
Credit Card Real Talk: We spill the beans on credit cards – they're not just plastic, but a gateway to debt if not managed wisely.
The Cash Appeal: There's something about cash that just feels right, doesn't it? We discuss why it might be your wallet's best friend for better budget control.
Practical Wallet Wisdom: We share tips on what to carry in your wallet to keep your spending in check. Spoiler alert: It's not just about what's trendy.
Your Money, Your Way: We're all about making finance fun and manageable. So, whether you're team cash or team card, we've got some golden nuggets for you.

And that's a wrap on our wallet wisdom session! Remember, whether it's cash or cards, it's all about how you use them. Stay smart and keep slaying your financial goals!

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179 | Trouble Sticking To The Budget? 5 Reasons Why And How To Overcome Them

Fri, 01 Dec 2023 14:54:05 -0400

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!

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Grab our free, one page, printable budget template here.

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178 | Step by Step Tutorial on Creating a December Budget: So You Can Start 2024 Right

Wed, 29 Nov 2023 14:10:08 -0400

Get ready to tackle your December budget with us! In this episode, we chat about how easy it is to slip up with our budgets, especially as the year winds down. We'll walk you through the ins and outs of setting up a solid December budget. From peeking back at November's oops moments to planning for the holiday splurge, we've got you covered. Plus, we've got a super handy one-page budget template just for you!

What We Talk About:

1. Oops, November Happened! – We all trip up sometimes, right? We look at why some budgets just didn't stick in November and how to bounce back for a better December.

2. Taking a Quick Look Back – Why it's crucial to peek at last month's spending (even if it hurts a bit) to make wiser choices ahead.

3. December Budgeting 101 – Step-by-step guidance on crafting your December budget before the month kicks off. Avoid the financial scramble and get ahead of the game!

4. Your Budgeting Lifeline – Dive into our easy-peasy one-page budget template available at budgetbesties.com/budgettemplate. Budgeting made simple and stress-free!

5. Income & Expenses Shuffle – How to tweak your budget to reflect December's unique income changes and unexpected expenses.

6. Holiday Spending and Saving Tips – Navigate through Christmas expenses, travel costs, and even saving for upcoming fun in the sun next spring break.

7. Goal Setting for December – Let's set some achievable, budget-friendly goals for this festive month. Whether it's cutting back on debt or saving for something special, we've got strategies to share.

#### Timestamps:

- [00:00:30] – Diving into December budgeting

- [00:02:15] – Reflecting on November's budget blunders

- [00:04:00] – Crafting your December budget step by step

- [00:06:20] – Shoutout to our one-page budget template

- [00:08:10] – Adjusting for December's financial quirks

- [00:10:45] – Smart tips for holiday spending

- [00:13:30] – Setting up December goals

#### Wrapping Up:

Remember, a budget mishap isn't the end of the world. Each new month, like December, is a fresh chance to get your finances in tune. With a little planning and our trusty budgeting tips, you're all set to end the year on a high note!

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175 | Christmas 2023 Series #4 | The Ultimate Guide to Setting Your Christmas Budget Without Breaking the Bank

Wed, 29 Nov 2023 13:35:33 -0400

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.

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177 | Fashion, Family, and Financial Wisdom: Business Besties Banter

Mon, 27 Nov 2023 11:00:00 -0400

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Welcome to another delightful episode of "Business Besties," where we blend personal stories, business insights, and a touch of humor. Today, we're diving into everything from our questionable fashion choices to tackling big business hurdles, and even sharing our secrets to maintaining work-life balance.

1. The First Big Hurdle as Business Partners (00:08:20)

- Listen to our story about the first major obstacle we faced in our partnership and the valuable lessons we learned from it.

2. Balancing Business with Family Life (00:16:35)

- Discover how we juggle the demands of being entrepreneurs, mothers, and wives, and our strategies for meaningful family time amidst busy schedules.

3. Debunking Budget Myths (00:24:10)

- We tackle common misconceptions about budgeting and finance, sharing insights that could change the way you handle money.

4. Indulgences and Guilty Pleasures (00:33:50)

- From YouTube shorts to dining out, we reveal our personal indulgences that bring joy and relaxation.

5. Fashion on a Budget: Tips from Non-Fashionistas (00:41:25)

- Hear our practical tips on looking put together without breaking the bank, including how to choose timeless pieces and care for your clothes.

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176 | Christmas 2023 Series #5 | How To Budget for Christmas

Fri, 24 Nov 2023 08:39:19 -0400

Hey there, Holiday Enthusiasts!

Are you feeling the Christmas crunch? In this final episode of our 2023 gift-giving series, we're diving deep into the world of holiday budgeting. We know that planning for Christmas can be overwhelming, but don't worry, we've got your back! Get ready to turn your festive stress into financial success.

In Today's Episode, We're Exploring:

1. The Art of Christmas Budgeting:

- Understanding the importance of a well-crafted budget for a peaceful holiday.

- Techniques to avoid common financial pitfalls during the festive season.

2. Your Holiday Budget Planner: A Game Changer:

- Introducing our comprehensive planner to manage your holiday expenses seamlessly.

- Discover how to budget for everything – from gifts and travel to food and decorations.

3. Pro Tips for Last-Minute Savers:

- Practical advice for those who've waited until the last minute to save.

- Strategies to start saving for next Christmas, starting now.

4. Reflecting on Last Year’s Spending:

- Learn from the past to improve your future holiday budgeting.

5. Gift Giving Without Breaking the Bank:

- Navigate the gift-giving season with our expert budgeting advice.

- Creative and cost-effective solutions for wrapping and gifting.

6. Feasting and Travel on a Budget:

- How to plan your holiday meals and travel without overspending.

7. Economical and Creative Decor Ideas:

- Deck your halls without draining your wallet: budget-friendly decorating tips.

8. Looking Back and Moving Forward:

- Post-holiday reflections to make your next Christmas even better.

Join us in this episode as we unwrap the secrets to a financially savvy and delightful holiday season. Let's make this Christmas not just merry, but smart and budget-friendly too! 🌟🎅🛍️

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174 | Christmas 2023 Series #3 | Simplifying Holiday Gift Giving: Systems & Strategies

Wed, 22 Nov 2023 11:00:00 -0400

🎉 Hey, Amazing Listeners! Are you ready to ditch the holiday gift-giving headache this season? Tune in to this super fun and insightful episode where we tackle the all-too-common holiday chaos head-on with systems!

What's in Store for You:

The Holiday Hustle - Real Talk: We get it, friends - the holiday season can be a budget buster and a confusion cauldron! But guess what? You're not alone, and we've got your back!
Gift-Giving: Systemized & Simplified: We're sharing our personal life hacks to make gift-giving a breeze – think easy, breezy, lemon squeezy, but with a meaningful twist!

Our Top Picks for a Stress-Free Holiday:

Picking Names: Great for large families to reduce financial and mental load.
Recurring Gifts: The joy of giving the same cherished item each year.
Bulk Buying: A strategy to save time and money, adding a personal touch.
Themed Gifts: Creating gifts around a central theme for uniformity.
Kids-Only Gifts: Focusing the budget and efforts on children.
Creating Wishlists: Ensuring gifts align with recipients' wishes.
Charity Gift Giving: Opting to give to charities instead of physical gifts.

Sneak Peak Quotes:

"We don't have the brain calories for all that [holiday confusion]." - Real talk about holiday stress.
"You know exactly when and how much you're supposed to be spending." - Simplifying the budgeting puzzle.

Wrapping Up with Love:

Remember, gift-giving should be as joyful as those holiday jingles. Let's make it fun, meaningful, and totally doable this year. And don't forget to grab that budget system - it’s a lifesaver!

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173 | Christmas 2023 Series #2 | Smart Gifting Strategies: Avoid the Post-Holiday Clutter Trap

Tue, 21 Nov 2023 11:00:00 -0400

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:

Experience Gifts: Tickets to amusement parks, bowling alleys, escape rooms, or movie nights.
Memberships & Subscriptions: Disney Plus, Hallmark movie subscriptions, Audible, gym memberships, and meal planning services.
Service Gifts: Spa days, haircuts, personal chef services, car detailing, or even financial coaching.
Consumables: Gourmet mustards, coffee, chocolates, essential oils, and soaps—gifts that can be enjoyed and used up.
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!

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

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172 | Christmas 2023 Series #1 - Maximizing Holiday Magic: Budget-Friendly Christmas Gifts

Mon, 20 Nov 2023 16:11:03 -0400

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.

Snag Our Simplified Budget System! 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.

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171 | Struggling with Financial Anxiety? Tips to Align Your Budget as a Believer

Fri, 17 Nov 2023 11:53:28 -0400

In this episode, we sit down with Erica, a dedicated Christ follower, wife, mother, and life coach specializing in helping anxious and overwhelmed Christian women. Erica shares her journey and insights on how a strong faith and understanding of the Bible can transform our approach to finances and time management.

Key Points:

Erica’s Personal Journey: How her faith and trust in God's word helped her overcome financial struggles and life challenges.
The Biblical Approach to Finances: Understanding the importance of aligning financial decisions with spiritual values, prioritizing tithing, and being a steward of God’s gifts.
Overcoming Worldly Mindsets: Erica discusses shifting from a worldly to a biblical perspective on finances, emphasizing the eternal impact of our decisions.
Practical Steps for Financial Management: The ARC Method (Assess, Release, Create) and its application in developing a healthier financial lifestyle.
Challenges in Coaching: Addressing common obstacles and fears that Christian women face in managing finances and priorities.
The Role of Faith in Financial Decisions: How prayer, gratitude, and biblical principles can guide financial choices and priorities.

Notable Quotes:

“My mission is to get more women in the word of God because it is transformative.”
“Where your treasure is, there your heart is also.”
“It's not just about managing finances; it's about stewarding the resources God has given us.”

Resources Mentioned:

Erica's Podcast: Her Renewed Strength
Online Course: On Heaven’s Timeline
Erica’s Community Workshops on Bible Study and Time Management

Connect with Erica:

Website: Her Renewed Strength
Podcast: Her Renewed Strength Podcast

Erica's insights remind us that our financial decisions are not just practical choices but reflections of our faith and priorities. Her approach to combining biblical wisdom with practical financial management offers a unique perspective for anyone seeking to align their finances with their faith.

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170 | 7 Common Financial Mistakes Women Make & How To Avoid Them

Wed, 15 Nov 2023 10:12:21 -0400

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.

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169 | Faith & Finances: A Biblical Approach To Money Management & Budgeting

Mon, 13 Nov 2023 11:56:17 -0400

Today we're talking with our friend Sam as we explore the powerful intersection of faith and finances. 🙏💰

📜 Key Takeaways:

1. Love of Money vs. Money Itself: It's crucial to distinguish between the love of money and money itself. Let faith guide your financial decisions, and don't let worries about money distract you from your faith journey. 🤝❤️

2. Biblical Stewardship: Discover the timeless concept of stewardship, recognizing that we're entrusted with God's resources. Learn the value of being good stewards and how it can positively impact your financial path. 💼🌟

3. Parable of the Talents: Explore the parable of the talents as a metaphor for multiplying your resources. Find inspiration in how you can make your financial resources grow with wisdom and purpose. 🌱💪

4. Overcoming Financial Stress: Hear a real success story from a client who initially felt overwhelmed but achieved financial stability through budgeting. You're not alone in your financial journey, and taking that first step is key. 🚀🌈

5. Budgeting & Financial Planning: Understand the importance of budgeting and financial planning, whether you're a seasoned pro or a newbie. The hosts encourage you to take that all-important first step toward financial control. 💡📊

Join the conversation and take that empowering first step toward financial freedom with Sam, Shana, and Vanessa. Your faith and finances can work hand in hand to build a brighter future! 🌟🙌

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168 | From Fighting About Money To Teaming Up On The Budget: One Couple's Story + How They Paid Off $16K In Debt

Fri, 10 Nov 2023 11:26:43 -0400

🎧 Today we're back with a story from our clients Jordan and Rosi, a couple from Michigan.
They share how they were initially nervous about coaching—worried it would be too strict or not tailored to them. Spoiler: it was the opposite. Coaching felt personalized and incredibly helpful.

They talk about setting up budgeting buckets, which helped them save for expenses and feel less stressed. Rosi loves her spending money, and Jordan appreciates having a plan.

Their biggest win? Way better communication. Fights about money turned into calm, clear conversations.

They also share how they paid off $16,000 in debt—while still spending, traveling, and paying for fantasy football.

Mindfulness & Financial Clarity: Budgeting made them more intentional. Plus, we get into his ‘saver’ ways and her ‘spender’ vibes!
Teaching Kids About Money: They’re bringing their kiddos into the money convo.
Switching to Debit Cards: Why ditching credit cards has made them feel calmer.
Teamwork & Marriage: What happens when you treat money like a team sport.
Faith & Finances: Their faith plays a big role—and they’re sharing why it matters.
Encouragement for You: Feeling stuck? They’ve been there. Their message will lift you up and help you move forward.
Feeling Content: Sacrifices? Yes. But they’re content with what they have—and you can be too.
Investment in Ourselves: Coaching has paid off big time—in their money and their marriage.

So, grab your favorite drink and get comfy—we're talking real-life money, parenting tips, and how faith can fuel your financial journey. 🌟

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167 | Automate Your Finances: Save Time, Money, and Stress

Wed, 08 Nov 2023 15:02:11 -0400

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:

Create a budget. This is the foundation for all your financial decisions, including automation.
Set up direct deposit. This will ensure that your paycheck is automatically deposited into your checking account.
Create separate accounts for bills, spending, and savings. This will help you keep your finances organized and make it easier to automate payments.
Set up recurring transfers. This will automatically transfer money from your checking account to your bills, spending, and savings accounts.
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.

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166 | Budgeting Hacks: Level Up from Beginner to Pro (Budgeting Tips, Steps & Automation)

Mon, 06 Nov 2023 12:07:40 -0400

👋 Hey there, amazing listeners! Are you ready to take your budgeting skills from beginner to pro? If you've ever felt stuck or paralyzed when it comes to budgeting and wondered when to start saving or paying off debt, you're in the right place! We're here to guide you through the steps to level up your budgeting game. Let's go from that initial budget creation to building a legacy. 🚀

👩‍👧‍👦 Let's talk about the three phases of budgeting – Beginner, Middle, and Pro!

Beginner Budgeting - Getting Started:

- Many of our clients and listeners have never started a budget or found it hard to stick to one. Don't worry; you're not alone!

- The first step is to get on a budget, and we're here to help you with that.

- Start by creating a Bills Account where you'll pay your bills and debt from your income.

- Separate your bills from your spending and focus on minimal spending. Ask yourself, "What do I absolutely need?"

- Keep your spending categories minimal at the beginning – pocket money, restaurant expenses, gas, and groceries.

- Create wiggle room in your budget by cutting unnecessary expenses and putting extra money toward debt.

Middle Budgeting - Learning and Perfecting:

- In the middle phase, you're still learning, but you're not a beginner anymore.

- Perfect your Paycheck Plan: Deposit your income into a Bills Account, then allocate it to spending and savings.

- Implement automation to fund your categories automatically.

- Add minimal savings buckets for immediate needs like holidays, car maintenance, and birthdays.

- Start identifying and planning for "unexpected" expenses ahead of time.

- Continue to pay off debt while building good budgeting habits.

Pro Budgeting - Graduating to Pro Status:

- Fully fund your savings buckets and plan for expenses 12 months ahead.

- Consider ramping up your investments, like increasing contributions to retirement plans or starting a Roth IRA.

- Refine your spending habits and reduce unnecessary expenses.

- Have conversations about responsible spending with your kids and teach them about budgeting.

- Enjoy the freedom of being more generous, whether it's giving to causes you care about or helping your kids with their financial future.

- Dream big and set ambitious financial goals, watching your net worth grow and securing your financial future.

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165 | Exactly How This Family of Four Paid Off $12K In Debt

Fri, 03 Nov 2023 10:00:00 -0400

In this episode, we're diving deep into a fantastic case study of how one couple successfully got out of debt, leveled up their budget, and achieved financial freedom. Get ready to be inspired and take away some actionable tips for your own financial journey!

🚀 Intro

- Have you ever wanted a real-life case study on getting out of debt and mastering your budget?

- Join us as we walk you through the journey of one of our clients who did just that!

💪 Taking Control

- Meet our awesome clients who decided it was time to tackle their financial challenges head-on.

- They had good income but nothing to show for it, a common struggle for many.

💡 Discovering the Path

- Learn how they found us, took a free call, and decided to embark on their financial transformation.

- Their starting point: $9,600 monthly income, 11 debts, $2,600 in savings, and $689 in monthly debt payments.

🤔 Identifying the Issues

- Understand the challenges they faced, despite their good income.

- Discover how their finances were separate, and they lacked basic budgeting skills.

🏆 Setting Goals

- Explore their financial aspirations, including a five-year net worth goal of $150,000 and the desire for financial freedom.

- They wanted to teach their kids to manage money wisely from the start.

💰 Taking Action

- See the steps they took to turn things around in just two months.

- Cutting expenses, merging phone plans, and optimizing their bills were among their strategies.

🧾 Budgeting Made Easy

- Learn about the power of a well-organized budget, and how they used it to their advantage.

- The budget not only tracked expenses but also projected their financial future.

🙌 Success Achieved

- Celebrate their victories, including paying off $12,192 in debt and reducing their minimum debt payments.

- Witness their journey from 11 debts to just four, making their finances more manageable.

🌟 Reaping the Rewards

- Discover how they upped their emergency fund and embraced saving habits.

- Witness their transformation from financial stress to peace of mind.

🍽️ A Funny Moment

- Enjoy a humorous story about cutting up credit cards when they couldn't even find theirs because they'd stopped using them!

👨‍🍳 Unexpected Roles

- Find out how the husband took charge of meal planning and meal prep, surprising everyone with his newfound skills.

Connect With Us:

📌Get the Christmas Budget Planner Here!⁠

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164 | Deck the Halls, Not Your Credit! Lessons from Real Clients on Christmas Budgeting, Ditching Debt, and Picking the Right Insurance

Wed, 01 Nov 2023 13:51:30 -0400

Today, we're diving into some real talk about holiday finances and other money matters you need to know. Grab your notepad because we're sharing some eye-opening lessons straight from our coaching sessions. You might see a bit of your own story in here! 💁‍♀️

Topics Covered:

🎅 Budgeting for Christmas like a Boss!

"Holiday traditions shouldn’t leave a New Year debt hangover!" 🍾💸
Real Client Story: Learn from a mom who's saving $2,000 for a debt-free Christmas vacation!

Financial freedom can allow you to quit your 9-to-5 and pursue your dream job.

"Dream jobs start with dream budgets, babe!" 💼✨
Real Client Story: How getting out of debt led one client to her dream job in New York!

Ever heard of cancer insurance? Should you jump on the bandwagon? 🤔

"Be insured, not unsure!" 🛡️
Real Client Story: An insurance hiccup that almost messed up one client's budget.

🌟 Client Wins 🌟:

First-time debt-free Christmas vacations 🏂
Setting aside money on purpose for the holiday season 🎁
Making BIG career moves, thanks to a debt-free lifestyle! 💪

Action Items:

Use a mock budget to explore job possibilities and life changes.
Before adding random insurances like "cancer insurance," consult your financial coach (that's us, ya'll!) 📋🖊️

Listen, friends, if our clients can do it, so can you! Take these lessons and use 'em to give yourself the gift of financial freedom this holiday season. Let's toast to making wise money choices that let us jingle all the way to the bank! 🥂💰

Christmas Budgeting, Paying Off Debt, Choosing Insurance, Financial Freedom, Client Stories, Holiday Spending, Financial Coaching for Women, Debt-Free Holidays, Money Management Tips, How to Budget

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163 | Cook Up Your November Monthly Budget: Feast on Financial Freedom and Give Thanks for Your Savings

Mon, 30 Oct 2023 11:43:36 -0400

In this podcast episode we are going to walk you through setting up your November budget! With the holiday season coming up, it's crucial to have a solid budget in place.

One thing we stress is the importance of adjusting your budget as things change. Whether it's a change in income, bills, or spending habits, it's essential to stay on top of your budget and make necessary adjustments. And of course, with the holidays approaching, it's crucial to plan ahead for those extra expenses.

We've got some great tips and advice on how to avoid going into debt during the holiday season. We'll talk about getting creative with gift-giving and even starting a Christmas fund. Trust us, these strategies can make a huge difference in your financial well-being.

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162 | How To Be Business Partners & Besties: Work-Life Balance, Growing A Business, Managing Disagreements

Sat, 28 Oct 2023 13:44:35 -0400

Hey there, fabulous listeners! Welcome back to another episode where we spill the tea on all things financial coaching and friendship. We're Vanessa and Shana, and today, we're taking you behind the scenes of our exciting journey.

Join us as we dive into what makes our podcast a hit—our unwavering friendship and authenticity. We spill the beans on how this dynamic duo came together not just as business partners but as best friends. Our podcast is all about being relatable and authentic, making financial topics judgment-free and accessible. We share the secrets behind our success in reaching thousands of you every week.

Now, let's talk about work-life balance. We're all about that sunshine and fresh air here in sunny Navarre, Florida, and it plays a huge role in our work ethic and style. We'll give you a glimpse of how we balance our professional and personal lives, from beach walks to the occasional power nap.

But it's not all sunshine and rainbows. We also discuss how we manage disagreements, and yes, we've had a few spats along the way. But hey, who hasn't? Our key is effective communication and keeping score off the table.

And speaking of exciting news, we've got a special project in the works just in time for Christmas. It's a meaningful and educational gift for the younger generation, designed to set them on the path to financial wellness. Get ready for a sneak peek into what's coming your way.

Join us for an episode filled with heartwarming stories, valuable insights, and a whole lot of laughter. We're here to inspire you, empower you, and maybe even make you smile a little. So, tune in and be part of our journey as we empower women to take control of their finances and transform their lives.

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161 | The Great Cash Debate: Dave Ramsey vs. Budget Besties

Wed, 25 Oct 2023 19:21:36 -0400

Alright, Dave Ramsey fans, let's dive into the topic of using cash and whether it's the right choice for your budget and finances. In this episode, we're going head-to-head with Dave on some key points, and here's a sneak peek of what's to come:

📬 Cash Envelope System: Dave Ramsey loves it, and so do we! But is it the ultimate budgeting method, or are there other tricks up our sleeves?

💳 Digital Envelopes: We'll spill the beans on why digital envelopes might just be your ticket to budgeting success, alongside the trusty cash method.

💸 Impulse Buys: Cash has a way of curbing those impulse purchases, but can we agree with Dave on how effective it truly is?

💡 No Hidden Fees: We're all about taking control of our finances, but are cash payments the only way to dodge those sneaky fees?

🛍️ Delayed Gratification: Dave praises cash for fostering this skill, but is there more to the story?

💳 Credit Card Rewards: Are we on the same page as Dave when it comes to credit card rewards, or do we have a different take on the matter?

💼 Inconvenience: Can we convince you that a little inconvenience might be the secret sauce to financial success?

💳 Credit History: We're sharing our thoughts on building credit without credit cards. Are we in line with Dave's wisdom?

🛡️ Safety Concerns: Is carrying cash really safer than the plastic in your wallet, or is there more to consider?

📱 Apps and Syncing: We'll discuss whether going old school with cash is the way to go, or if there's a modern twist we recommend.

Join us in this episode as we unpack the pros and cons of using cash in your financial journey. Will we see eye to eye with Dave Ramsey, or will there be some friendly differences of opinion? Tune in to find out and take charge of your financial future! 💰✉️📊 #CashIsKing #BudgetingWithCash #DaveVsUs

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160 | Stop Overspending Now: Take Control of Your Spending Habits

Mon, 23 Oct 2023 10:04:00 -0400

Hey there, fabulous listeners! 👋 In this episode, we're diving deep into the world of spending and how to get a grip on it. 💸 We've got some eye-opening stories to share, actionable steps, and a whole lot of budgeting wisdom coming your way. Let's get started! 🚀

We had a client who didn't realize she was spending $2,675 a month without accounting for bills, savings, or debt payments! Sound familiar? 🙋‍♀️ Overspending or random spending is more common than you think.

1. Creating a Personal Spending Budget: 💰 Step one in taking control of your spending is figuring out what you're already spending. Track your expenses for 90 days and use highlighters to categorize them. It's an eye-opener!

2. Spending with Purpose: 🤝 Step two is creating a personal spending budget. This is your pocket money category, a guilt-free zone for spending on things you love. It's all about being in control and spending with intention.

3. Planning for the Expected:* 🗓️ We challenge the idea of "unexpected expenses." With proper planning, most of these so-called unexpected costs can be anticipated and budgeted for. From car maintenance to birthdays, we've got you covered.

4. Savings Buckets: 💼 Start planning ahead for regular expenses like Christmas or back-to-school shopping. These are like little savings buckets to dip into when needed.

5. A Balanced Approach: ⚖️ We believe both partners should have their own personal spending budget, and it should be a mutually agreed-upon amount. It's all about teamwork.

6. The Freedom to Spend: 🙌 When you have a clear budget and personal spending categories, you'll feel more in control and less stressed about spending. It even reduces emotional spending!

Remember, taking control of your spending is empowering, not restrictive. It's about creating a plan that gives you the freedom to spend on what truly matters to you. 💪

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159 | A Marriage Unstressed: How Jake's Budgeting Skills Lightened the Load at Home

Fri, 20 Oct 2023 10:21:22 -0400

🎧 Hello, you fabulous listeners! 🌟 Ever feel like your financial life is a giant puzzle, and you can’t find the right pieces? Whether you’re pinching pennies on vacations or swamped with business expenses, Jake, our guest for today, has been there, done that. And guess what? He's turning it all around, and he's here to share how. 🎉---🎯 What to Expect:1. Jake's 'Aha!' Moments 🤯: Jake spills the tea on how he discovered the 'holes in the boat' of his business finances. Spoiler alert: it involves unused subscriptions and tax surprises.2. Taxes Don't Have to Be Scary 📊: If the word 'taxes' makes you break out in a cold sweat, grab a cozy blanket because Jake shares how tackling this financial beast actually set him free. 💕3. Baby Steps for Big Wins 💡: Get your pens ready! We've got actionable tips that can make a difference for you starting TODAY. No marathons here, just a comfy pace you can keep up with. 🚶‍♀️4. Teamwork Makes the Dream Work 🤝: Jake had some help on his financial journey, and he's here to tell you why two (or more) heads are better than one when navigating the money maze.5. Goals & Dreams 😄: What's all this hard work for if not to enjoy life a little more? From wellness retreats to giving himself a raise, Jake shows us how the financial grind can lead to some pretty cool rewards. 🏖️---So what are you waiting for? Hit that play button, grab a notepad, and let’s turn those financial question marks into money moves! 🎧🎉💕

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158 | From Bootcamp to Budget: Mastering Military Budgeting, Finances and Retirement

Wed, 18 Oct 2023 09:52:45 -0400

🎙️ We're diving into the world of military finances and retirement planning. Whether you're currently serving, a veteran, or just curious about how to navigate the financial landscape in the armed forces, we've got you covered. Plus, this episode will be great if you or someone you love is considering going into the military.

Budgeting in the Military: Tips and Personal Experiences

- We start by discussing the unique financial challenges faced by military personnel, from predatory financial services near bases to the lack of structured financial education.

- Our guest, Chris Roberson (Shana's husband), a military veteran with over 20 years of service in the Air Force, shares valuable insights and practical tips for managing your finances while serving.

- Learn about practical budgeting tips like using allotments to automatically manage expenses and creating a separate bills account with auto-drafts.

- We explore personal finance strategies, from frugal spending during temporary duty assignments to leveraging additional allowances.

- Discover the wisdom of using government travel cards to instill financial responsibility.

💼 Maximizing Your Military Finances and Retirement Planning

- We share our experiences with making extra money during military moves, emphasizing the benefits of a do-it-yourself move.

- Dive into retirement planning and the Thrift Savings Plan (TSP), exploring the importance of choosing the right TSP fund and making early, consistent contributions.

- Understand the transition to the new retirement system and how to maximize your retirement benefits under the blended system.

- Learn about financial independence, retiring early (FIRE), and why it's essential to take control of your financial destiny.

🎓 Navigating Retirement as a Military Service Member

- Gain insights into retirement income in the military, medical benefits, the Survivor Benefit Plan, and life insurance options.

- Discover the value of the Transition Assistance Program (TAP) and the need to address financial education as part of your transition plan.

- Learn about the SkillBridge Program, an excellent opportunity to gain civilian work experience while on active duty.

- The importance of early financial education is emphasized, helping you set the stage for a smooth transition into civilian life.

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157 | Empowering the Next Generation: Teaching Kids About Money

Mon, 16 Oct 2023 11:03:19 -0400

Are you ready to flip the script on how your family handles money? You're in the right place. In today’s episode, we’re diving into teaching your kids and teens real financial wisdom. 💪💰

We all know it’s important to teach the next generation about money—and it’s never too early (or too late) to start.

Remember when your child first learned to ride a bike? That excitement and freedom? We're giving you tools to help them feel that same confidence with their finances.

🌟 Discover how to:

Teach your kids the value of money early.
Replace "we can't afford it" with better conversations.
Equip your teens to make their money work for them.

Join us for practical strategies and relatable examples that make money lessons fun and doable. We're here to help your family thrive financially!

Get ready for tips, tricks, and takeaways to raise money-smart kids:

Start young—teach giving, saving, and spending with jars or envelopes.
Skip phrases like "we’re broke" and focus on family choices and priorities.
Involve them in budgeting outings and eating out.
Let them contribute—like paying for their own haircuts or activities.
Show them how savings and investing can grow into big goals.
Teach the power of compounding (yes, they really can become millionaires).
Explore better savings options like money market accounts.
Encourage them to take responsibility for their financial future.

We also talk about helping kids pay for bigger expenses like summer camps, personal items, and later—car insurance or college.

These strategies build strong money habits and financial confidence for life. 💪💵

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156 | Unlocking Grocery Budget Savings Ft. Marc Porten: Tips To Fill Your Cart and Wallet! 🛒💰🎉

Sat, 14 Oct 2023 09:22:32 -0400

Why is money called dough? Because we all knead it!

Woohoo, welcome to another exciting episode, folks! 🎙️ This time, we're peeling back the curtain on the thrilling world of grocery shopping with our special guest, Marc Porten, Vanessa's husband! 🌟 (he loves Dad jokes)

👨‍🍳 Marc is sharing his his 27-year experience in the food retail industry and he's dropping some major wisdom bombs on grocery savings. 💣💡

🧾 Learn the art of shopping with a budget, planning meals, and hunting for those sweet, sweet deals! 🎯🛒

🤑 Shop the Ad! Discover the magic of market ground beef! Keep that chicken skin on for flavor and savings. 🍗

🍔 Speaking of meat, Marc shares how less expensive cuts can be just as tasty. Cha-ching! 💰

🥩 Time to reveal the secret of store brands - they're often just as good, and you can save a bundle! 🛍️

📦 Buying in bulk can be a money-saver, but remember, no hoarding perishables! Keep it smart. 🤓

🛍️ Perk programs at stores? They're like your little savings sidekick. 🦸‍♂️

🔍 Beware of carrageenan - the sneaky filler in some products that can mess with your food quality! 😱

🎉 We wrap up with some reflections on the ever-growing choices in grocery stores. 🤯

There you go! 🎉 A fun, informative chat on budget-friendly grocery shopping with Marc. Tune in, get savvy, and save some dough! 💰😄🛒 #GroceryGoals

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155 | Grocery Budget Challenge #5: Get The Most Out Of The Sales (BOGO, Sales, Clearance, Grocery Budget Savings, Food Budget)

Fri, 13 Oct 2023 10:01:23 -0400

We're back with another episode of our Grocery Budget Challenge podcast series. Today, we're diving into the world of sales and how you can shop smarter, not harder. 🛒💰

Timing is Everything: First things first, folks, timing is key when it comes to snagging those awesome deals. Sales go in cycles, just like the changing seasons. For example, think about berries—they're super cheap when they're in season, right? 🍓 So pay attention to those cycles and buy when prices are at their lowest.

Frozen Section Magic: And remember, if your favorite produce isn't on sale, check out the frozen section. They pick fruits and veggies at their peak, and you can often score great deals there. It's like Mother Nature's BOGO! ❄️

BOGO Mania: Speaking of BOGO, when something you love and use regularly is on sale, grab as much as you can without turning your house into a storage unit. Buying in bulk when your staples are on sale is a budget superhero move. 💥

Price Comparison: Now, let's talk about comparing prices. Sure, you might always shop at your neighborhood grocery store, but have you considered checking out the stores down the street? You might be surprised at the savings just a few blocks away. Use websites and apps to easily compare prices, and remember, driving 45 minutes to save 20 bucks isn't really saving! 🚗💨

Planning Meals Around Sales: Here's a pro tip—plan your meals around the discounted items you find. If you see a fantastic deal on chicken, start thinking about all the delicious chicken dishes you can whip up that week. It's like meal planning meets bargain hunting. 🍗🍽️

Be Flexible: Sometimes, you'll stumble upon unexpected clearance items or sales that weren't in your original plan. Don't be afraid to adjust your meal plans and take advantage of those deals. It's all about adapting to the savings opportunities that come your way. 🛒🧐

Freeze It: If you bought something on sale but can't use it right away, don't let it go to waste. Freeze it! This way, you've got a freezer stocked with discounted goodies for future meals. ❄️🍴

Stay Focused: Lastly, create a shopping list based on your meal plan and stick to it! Don't get distracted by shiny objects or impulse purchases. Staying focused will help you stay within your budget. 📋💡

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154 | Grocery Budget Challenge #4: Shop Label-Savvy (Grocery Savings, Save Money on Groceries, Food Budget)

Thu, 12 Oct 2023 09:08:10 -0400

Hey there, amazing ladies! It's Shana & Vanessa, and we're back with Day 4 of our Grocery Budget Challenge podcast series. 🛒💰

Today, we're diving deep into the magic of labels, those little bitty, tiny, small things that hold the key to saving money on your groceries. So buckle up, ladies, and let's empower you to make better choices for both your budget and your wellbeing.

1. Cost Per Ounce (or Unit) 💲

- This is our favorite! It's like a secret weapon. Look at the cost per ounce or unit. It's the same for all brands and sizes, making it easy to find the best deal. No one's going to mess with us when we're reading labels!

2. Compare Prices Across Products 🧐

- Don't just stick to your usual brands; compare prices. You might find a hidden gem that's both budget-friendly and high-quality. Think dish soap, boxed items, or even chicken cuts.

3. Generic or Store Brands 🛒

- Yep, they're often produced in the same place as name brands. So why pay more for fancy packaging? Turn those labels around and see if it's the exact same product.

4. Ingredients Matter 🧪

- Dive into the ingredients list. Check for hidden sugars and additives. If you can't read it or don't recognize the word, consider another option.

5. Nutritional Value 🍎

- Check the label for nutritional information. Are you getting the best bang for your buck? It's not just about saving money; it's about making informed, healthier choices for your family.

6. Non-Negotiables 🚫

- We all have those items we won't budge on (like Vanessa's pickles). It's okay to splurge on your favorites. But for other items, consider store brands.

7. Eye-Level Trick 👁️

- Brands pay for that prime shelf space at eye level. Store brands are often just as good and cheaper. So do a little squat or reach to grab them!

8. Create a New Shopping List 📝

- Based on what you've learned today, update your shopping list with budget-friendly staple items. Mustard, butter, ketchup, almond milk - they all count!

9. Keep Checking Labels 👀

- Don't stop here. Every time you shop, check the cost per unit or ounce. It's part of your new shopping routine.

So there you have it, Day 4 of our Grocery Budget Challenge. Grab that checklist, ladies, and start making those labels work for you. 🛒💪

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153 | Grocery Budget Challenge #3: Ditch the Convenience Trap (Save On Groceries, Grocery Budgeting, Food Budget)

Wed, 11 Oct 2023 10:01:49 -0400

Hey there, lovely listeners! It's Shana and Vanessa, and we're here to break down all the goodies from our latest podcast episode, Day 3 of our Grocery Budget Challenge. 🛒💰

The Big Secret: Stop Buying Convenience or Junk Food 😱

We hope you're as excited as we are, because today we're dishing out the number one way to supercharge your grocery budget. It's Day 3, and we're diving right in. So, here's the scoop:

1. The Convenience Trap: Convenience and junk foods may seem like quick fixes, but they often come with a hidden price tag. You're not just paying for the food; you're also paying for the convenience of someone else doing the work for you. 💸🙅‍♀️

💡 Tip: Calculate the cost per serving of your favorite convenience snacks. The difference will surprise you! 💡💰

2. Upfront Work Pays Off: We get it; there might be some upfront effort involved in ditching convenience foods. But once you make the switch, you'll love the results. Plus, it'll save you time and money in the long run. ⏰💪

3. Say No to Bottled Water: Get yourself a reusable water bottle. You can find some stylish ones, and they're not just eco-friendly; they're budget-friendly too. No need to pay for someone else to bottle your H2O! 🌊💧

4. DIY Lunchables: Whether for kids or adults, making your own "Lunchables" is a game-changer. You control the ingredients and quality, and it's usually cheaper. Win-win! 🍱👩‍🍳

5. Homemade Baby Food: Skip those pricey baby food pouches. You can make your own at home, and it's healthier and more budget-friendly. 👶🍼

6. Bulk Buying Magic: Think beyond the single-serve items. Buying in bulk and portioning it out yourself saves money and reduces waste. Get creative with reusable containers! 🌽🥜

7. Frozen Breakfast Alternatives: Instead of those frozen breakfast options, make your own. It's healthier, and you know exactly what goes into it. 🥞🍳

8. Microwaveable Side Dishes: Convenience comes at a cost, both in terms of your budget and health. Make side dishes from scratch and freeze them if needed. 🍚🥦

9. Uncrustables Unveiled: Even the iconic Uncrustables can be made at home. It's cheaper, healthier, and you can personalize them to your heart's content. 🥪🥜

10. Cut Your Own Veggies and Fruits: Pre-cut fruits and veggies may save time, but they're pricier. Embrace the DIY approach, and you'll save money and reduce waste. 🍎🥕

Additional Benefits: By saying goodbye to convenience and junk foods, you'll reduce impulse buys, get more out of your groceries, and have the opportunity to meal plan and prep like a pro. 💡🍽️

Your Action Items: Ready to take action? Here's your checklist:

1. Identify: List the convenience or junk foods you often buy without thinking. 📝

2. Discuss: Chat with your family about alternative options. Get their input and buy-in. 👨‍👩‍👧‍👦

3. Plan: Plan simple, healthy, homemade swaps or different ways to purchase items. 📅🥗

And don't forget to grab your downloadable checklist at myidealbalance.com/food to keep track of your progress. You've got this! See you back for Day 4 of our Grocery Budget Challenge. 💪💵

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

152 | Grocery Budget Challenge #2: Buy In Bulk & Use Subscriptions (Grocery Shopping, Save Money on Groceries, Food Budget)

Tue, 10 Oct 2023 06:55:24 -0400

Hey there, it's Shana and Vanessa, your financial coaches, back with some awesome takeaways from our podcast episode on stretching your grocery budget by buying in bulk and using subscriptions. Let's dive right into it:

1. Cost Savings with Buying in Bulk or Subscriptions:

- Buying in bulk typically means a lower cost per unit. 🛒💰

- You might pay more upfront, but it's cost-effective in the long run. 📦💲

- Think strategically about larger purchases, especially staple items. 🤔🍞

2. Planning for Bulk Purchases:

- Plan your grocery budget and identify what items can be bought in bulk. 📅✅

- Consider setting up subscriptions for certain products to maintain budget consistency. 📥💳

3. Subscription Benefits:

- Subscriptions help keep your grocery budget consistent. 💳💼

- You can set up different bulk items each month to fit your needs. 🗓️📦

- Be strategic with subscriptions to save money and avoid overcommitting. 💡🔒

4. Saving on Quality Products:

- Research quality products that are important to you, like coffee or health items. ☕🏋️

- Buying these items in bulk or on subscription can lead to significant savings. 🤑🌿

5. Shared Subscriptions:

- Share subscriptions with family or friends to save on shipping and costs. 👭📦

- Collaborate to buy items in bulk and split the expenses. 💪🤝

6. Flexibility Is Key:

- Be flexible in your bulk and subscription choices. Not everything needs to be bought in bulk. 🔄👛

- Smaller weekly shopping trips for perishables save time and reduce impulse buying. 🛒⏳

7. Always Be Prepared:

- Buying in bulk means you're always stocked up on essentials, reducing the risk of running out. 🙌🧻

- Having options readily available encourages healthier meal choices. 🥗💡

8. Time and Money Saver:

- Less frequent trips to the store save both time and gas money. ⛽🕒

Head to budgetbesties.com/food to grab our checklist for making bulk and subscription purchases. ✅✅

Remember, your health is your wealth, and saving on groceries can help you prioritize both! We're here to help you achieve your financial goals while making your life simpler and more budget-friendly. Stay tuned for day three of our grocery budget challenge! 🎉🛒💪

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151 | Cut Your Grocery Budget Challenge #1 (Grocery Savings, Save Money on Groceries, Food Budget)

Mon, 09 Oct 2023 10:04:17 -0400

💡 Are you dealing with those ever-increasing grocery bills and seemingly bottomless stomachs at home? We totally get it! But fret not, because we've got some quick tips and actionable steps to slash those grocery costs.

Today we're breaking down Day 1 of our Grocery Budget Challenge. 🛒💰

🍏 We're diving into a topic we're super passionate about: swapping unhealthy and empty calories with nutritious and filling options. Let's get started with our top five tips! 💪🍎

Choose Nutrient-Dense Foods: Opt for foods that pack a punch of vitamins and minerals without piling on the calories. They'll keep you fuller for longer, and that's a win for both your wallet and your waistline! 🥦🍓
Ditch Sugary Beverages: Say goodbye to sugary drinks at home. Save them for special occasions, and you'll save money and your family's health. 🥤💧
Replace Junk Food: Swap out those tempting, unhealthy snacks with better options. Think berries instead of candy and unsalted nuts instead of chips. Your budget and your teeth will thank you!
Practice Portion Control: When you have only healthy options at home, it's easier to stick to appropriate portion sizes. Bye-bye, overeating! 🍽️
Include Healthy Starches: Make sure each meal includes a healthy starch like quinoa, sweet potatoes, or whole grains. It'll help your family feel satisfied and energized throughout the day. 🍠🌾

Remember, if you've got teens at home, they'll eat everything in sight, so let's make sure it's all good stuff! 🥗🍌

And the golden rule: If it's not in the house, they can't eat it! Keep those junk foods away, and they'll only eat when they're truly hungry. 💪🏡

Here's to healthier choices and a budget-friendly shopping list! 🙌

Ready to take action? Head to budgetbesties.com/food to download your challenge checklist for today. 👉✅

Stay tuned for the next four days of money-saving tips and tricks coming your way. We believe in you! 🌟

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150 | Break The Paycheck to Paycheck Cycle

Fri, 06 Oct 2023 10:14:13 -0400

👋 Ever dug through couch cushions for gas money or hoped there’s enough change in your car to buy something before payday? 💸🚗 Yeah, we’ve been there too. If you're nodding along, this episode is for you. 🎧

We’re talking about breaking free from the paycheck-to-paycheck cycle—the one where you’re always asking, “When’s payday again?” 🔄

We’re financial coaches, and we love helping people just like you get on a budget that works. 🙌 Want help? Visit our website and check out the wins our clients are having!

Here’s the shift: Stop assigning bills to specific paychecks. Treat your income as one monthly pot. 💰 Make a monthly budget and create a paycheck plan that moves money to a bills-only account. 🏦

Then? Consistency. Each paycheck funds your bills, spending, and savings—automatically. No more feast or famine. 🔄

Groceries? Covered. Gas? Yep. Emergencies? You're ready. 🛒⛽Set up auto-transfers, and let your budget run itself. 🎯Financial freedom just got way more doable. 🙌

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149 | Debt-Free After Divorce: How This Single Mom Paid Off $17K in Debt, Saved $24K & Turned Her Finances Around

Wed, 04 Oct 2023 10:28:39 -0400

Hey there, lovely listeners! 👋 We've got an inspiring case study to share with you today about budgeting after divorce and the challenges of managing finances on a single income. Even if you haven't experienced divorce, this episode has valuable insights for anyone looking to improve their financial game.. Let's dive in! 🌊

💪 Our amazing client embarked on a seven-month coaching journey with us during her divorce. She was a single mom with three kids, juggling various debts, and living on a single income. Her story is a testament to what's possible when you take control of your finances.

📋 What did she accomplish? Let's break it down:

Income: $3,600 per month (on the conservative side)
Debt Paid Off: A whopping $17,000, including clearing all collections!
Minimum Monthly Payments: Reduced from $5,091 to $0
Savings: Skyrocketed from $1,000 to $24,000 🚀

👨‍👩‍👧‍👦 She also involved her kids in the financial journey, teaching them about budgeting and the importance of saying "no" when necessary. It's a valuable life lesson that will serve them well.

📊 Organization and strategy were key. She took action, called collection agencies to negotiate early payoff amounts, checked her credit report monthly, and even used her tax return to tackle credit card debt. Remember, it's all about smart money moves!

🚗 Dealing with multiple cars and accounts tied to her ex-husband was a bit complicated, but she faced it head-on. She had to change the names on accounts and even sell a car to make her financial life more manageable.

💔 Closing the chapter with her ex was challenging but essential. It allowed her to gain closure and move forward, unburdened by financial ties to the past.

💡 The bottom line? Budgeting after divorce and managing a single income can be tough, but with the right plan and support, you can conquer it. Our client's journey is proof that financial freedom is within your reach.

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148 | Financial Freedom Blueprint: 7 Smart Ways to Live Below Your Means and Thrive

Mon, 02 Oct 2023 11:11:47 -0400

Hey there, it's Shana and Vanessa, your Budget Besties! In this podcast episode, we're diving deep into practical strategies that have helped us & our clients live below our means and gain financial stability. We know how stressful and messy living above your means can be so we're here to help you get out of that cycle! Here are some of the nuggets form the episode:

Budget Like Pros: First things first, let's get real about budgeting. It's the foundation of our financial success, and it can be for you too. Start by creating a budget to understand where your money goes.

Cash is King: We've learned that using cash instead of credit cards can naturally rein in spending. It helps you stay accountable and build a healthier relationship with your finances.

Smart Vacationing: We're all about having fun, but we've found ways to do it without breaking the bank. Be strategic with vacations, opt for budget-friendly options, and plan ahead to avoid overspending.

The Power of No: Learning to say no is a game-changer. Say no to unnecessary expenses, both for yourself and when setting boundaries with friends and family.

Enjoy Life for Less: You don't have to splurge to have a good time. We'll show you how to find alternative, budget-friendly ways to enjoy life without compromising on quality.

Debt Demolition: We've tackled our debt habits head-on. Avoid carrying credit cards, and really think twice before making purchases you can't afford. It's all about financial self-care.

Cooking In: Eating out can be a budget buster. We've got tips for cutting down on restaurant expenses and meal planning to save money and eat healthier.

These are the actionable steps that have helped our clients turn their financial situation around, and we know they can work for you too.

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147 | Real-Life Budgeting: A Hands-On Guide to Creating a Zero-Based Budget

Fri, 29 Sep 2023 09:34:54 -0400

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.

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146 | Business Besties: Being Best Friends & Business Partners, The Highs and Lows of Being an Entrepreneur, Raising Teenagers & Volleyball Life!

Wed, 27 Sep 2023 11:15:01 -0400

In this lively episode of our podcast, we dive deep into the world of friendship, business partnership, and the highs and lows of both life and entrepreneurship. Join us, two best friends and financial coaches, as we share our candid experiences and insights:

Episode Highlights:

- 🙋‍♀️ The unique dynamic of being best friends and business partners.

- 🏡 Balancing work and family life, especially when husbands retire!

- 💰 The financial challenges and rewards of entrepreneurship.

- 🏐 A fun volleyball game that led to an unexpected wardrobe choice.

- 📚 The launch of our exciting new budgeting workbook.

- 👨‍👩‍👧‍👦 Navigating the joys and challenges of raising teenagers.

- 💡 Insights into working from home together as a couple.

- 😅 DIY podcast recording setups and the need for professional equipment.

- 🐶 A glimpse into the entertaining world of our pet co-hosts.Learn More About The ONLY Business Bank We Recommend!

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145 | Make Your October Budget With Us: Get Cozy with Your Finances and Crush Your Goals This Fall

Mon, 25 Sep 2023 09:46:21 -0400

It's October, and you know what that means – pumpkin spice lattes, falling leaves, and budgeting for all the special October treats! 🎃🍁 Let's make that October budget!

Wrapping Up September:

- Remember September? It felt like the longest month ever, right? But don't worry if it didn't go as planned. We're here to help you review what happened, what you forgot to budget for (raise your hand if it was a surprise dental bill 🙋‍♀️), and make sure September's all wrapped up before we move on.

October Income & Expenses:

- Check your income sources for October. Any changes, bonuses, or unexpected fluctuations? It's bonus season for some folks, so make sure you account for those sweet surprises.

- Review your expenses. What's changing? Did you forget to budget for those cozy fall outings, Halloween costumes, or even Christmas? Yes, Christmas is coming, and it's never too early to plan for it. 🎄

Setting Goals for October:

- What are your goals for this month? Maybe it's saving more, paying off debt, or finally setting up that bills account. It could even be as simple as using cash for your daily expenses or following a paycheck plan.

- Think about non-monetary goals too. Are you aiming to create better budgeting habits, like checking your bills more regularly or switching to energy-efficient practices?

October's Special Budget Items:

- Pause and reflect on your financial goals for October while considering the special October delights. What's the one thing you can do right now to get started? It might be grabbing our budget system, a powerful tool to guide your financial journey.

- We're talking about budgeting for pumpkin patches, corn mazes, and cozy fall outings. Don't forget those Halloween costumes and decorations! And yes, Christmas is on the horizon, so it's never too early to start budgeting for that festive season. 🎃🌽👻

Remember, October is the perfect time for a fresh start. 🍂 It's like a mini New Year's resolution, but without the pressure. So sit down, cozy up with your budget, and let's make this month amazing for your finances!

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144 | Budget School Series (Pt. 5): Saving Money 101 plus Building Emergency Funds & Investing Wisely

Fri, 22 Sep 2023 15:22:33 -0400

We're on day five of our budget school, and today, we're talking all about savings, emergency funds, and investments. Here are some episode highlights:

Savings 101: Savings is the part of your budget that's not being spent for right now. It's money set aside for the future. We want to help you be prepared for life's expected expenses.

Emergency Fund: Start with a mini emergency fund, like $1,000, which can vary depending on your family size and comfort level. The goal is to have 3-6 months' worth of living expenses set aside in a dedicated account.

Investments: Investing is a crucial part of financial planning. Aim to save at least 15% of your income for investments, but adjust based on your goals and financial situation.

Budgeting for Savings: Create savings buckets for annual or irregular expenses like Christmas, birthdays, and car maintenance. Calculate how much you need for these expenses annually and divide it by 12 to budget monthly.

Becoming Your Own Bank: The goal is to rely on your savings and investments rather than credit in emergencies. This financial freedom comes from careful planning and dedication.

Action Steps:

1. Identify where you are in your financial journey: emergency fund, debt payoff, savings buckets, or investments.

2. Start funding your financial goals with each paycheck. Consistency is key.

3. Prioritize building your emergency fund before diving into investments.

4. Set up savings buckets for expected expenses, so you're prepared when they come up.

5. Invest regularly to secure your financial future.

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143 | Budget School Series (Pt. 4): Planning Your Spending 📊💰 (How Much To Spend on Groceries, Gas, Fun, Restaurants & Other Spending Categories)

Thu, 21 Sep 2023 09:40:39 -0400

Ever wonder how much money you should be setting aside for your personal spending every month? 🤔 Curious about creating a realistic grocery budget that won't leave you pinching pennies? 💰 And what's the deal with using cash versus a debit card? 💳 We've got the answers, and we're serving them up with a side of our real life stories today! Here's a sneak peek into what you can expect from our "Spending 101" podcast:

🌟 Back to the Basics - In Chapter 1, we'll break down what spending really means. Hint: It's not just savings or bills! We're talking groceries, gas, kids' expenses, and even that occasional treat-yourself moment.

🌟 Personal Spending: Why You Need It - Chapter 2 dives into the importance of personal spending. We'll show you how it can prevent impulse spending and keep you on track, all while having a little fun with your hard-earned cash. 💸

🌟 Using Cash: The Cash Chronicles - Chapter 3 explores the magic of using cash. Discover how it keeps you accountable, curbs impulse buys, and even teaches your kids about money. Plus, we spill the beans on cash categories and how to make the most of them. 💵

🌟 Digital Envelopes: Modern Budgeting - In Chapter 4, we'll introduce you to digital envelopes. It's like your trusty cash system but with a high-tech twist. We'll also guide you on setting up checking accounts for your digital envelopes. 📱💳

🌟 How Much to Allot for Spending - Chapter 5 is all about personalization. We'll help you figure out the right spending amounts for your unique budget and goals. From gas to groceries, we've got you covered.

So, if you're ready to level up your spending game and take control of your finances, join us on this journey! Don't forget to take on our challenge and get those 90-day insights into your spending habits. Let's make budgeting a breeze! 💪💰✨

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142 | Budget School Series: (Pt3 ): Monthly Bill Strategies

Wed, 20 Sep 2023 09:51:36 -0400

🌟 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. 🙅‍♀️

Learn More About The ONLY Business Bank We Recommend! 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!

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141 | Budget School Series Pt 2: All About Debt Plus Why & How To Get Debt-Free

Tue, 19 Sep 2023 10:23:32 -0400

🎙️ Welcome back to Budget School! It's Day 2, and today we’re talking about debt. We know this wasn’t taught in school—so we made our own. Let’s get back to basics and give you a fresh start.

What Is Debt?💰 Debt = money you owe—car loans, credit cards, student loans, IRS bills, store cards, payment plans... all of it.💡 Pro Tip: If you borrowed from friends or family, pay it back—it’s the right thing to do.

Your Credit Score = I ❤️ Debt❤️ The more debt you have, the more the score “loves” you. But it’s a trap.🔑 Credit scores were invented in the 1950s to keep you borrowing. Your great-grandparents did just fine without them.

Debt-to-Income Ratio💼 This shows how much of your income is going to pay for the past.📉 If 20–36% of your income goes to debt, it’s time to take action.

The Minimum Payment Trap🧐 Credit card companies want you paying the minimum—forever.💡 Cut up and close the cards. They expect you to keep adding debt.

Acceptable vs. Petty Debt🏠 Mortgages and car loans = tied to assets.🛍️ Store cards = petty, high-interest traps.💰 Rich people use debt to grow wealth, not collect points.

Debunking the Myth🤔 Wealthy folks use strategic debt—not credit card perks.🚫 Credit card points aren't worth the stress.💡 Use a money market account, not a card, for emergencies.📆 Your age of credit doesn’t matter—being debt-free does.🚦 0% offers? Most don’t pay them off in time. Skip the risk. 🙅‍♂️

Take Control of Debt

Stop borrowing + cut up the cards
List debts smallest to largest
Call lenders to lower rates
Throw extra money at the smallest one
Imagine life with no payments 😌

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140 | Budget School Series: The Ultimate Income Breakdown (Part 1)

Mon, 18 Sep 2023 11:07:34 -0400

Welcome to our five-day budget school series! 🎉 Get ready to revolutionize your budgeting mindset. These next five days will break down the essentials of budgeting, from the basics to the advanced. We're here to guide you through it all.

💼 Income 101: It's not just about your regular paycheck. Your income includes everything from your job earnings to tips, bonuses, refunds, and even Grandma's birthday money. Every dollar needs a purpose in your budget, whether it's for essentials, savings, or a little treat for yourself.

🍕 Gross vs. Net Income: *Think of gross income as the whole pizza and net income as the slice you get to enjoy. We focus on net income for budgeting. Deductions like taxes matter, but we don't count them as income. And if you're dealing with debt or a tight budget, consider pausing investments to prioritize financial stability.

📆 Irregular Income vs. Regular Paychecks: Create a holding account for irregular income sources to maintain consistency in your budget. Pay yourself a consistent amount regularly. And remember, even with extra income, give it a purpose in your budget; don't let it vanish.

🗂️ Structuring Your Budget: Not everyone gets paid on the same day every month. If your payday falls at the end of the month, consider it part of the next month's budget. Your budget should always have a plan for every dollar.

💰 No Such Thing as an "Extra" Paycheck: Every dollar needs a job, even those from "extra" paychecks. Allocate them to essentials or your financial goals.

Your homework: Organize your income in your budget, align it with your paycheck dates, and evaluate if it meets your financial goals.

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139 | 7 Reasons You Are Living Paycheck to Paycheck (And Tips To End The Cycle)

Fri, 15 Sep 2023 10:01:18 -0400

In today’s episode, we’re unpacking why so many people stay stuck in the paycheck-to-paycheck cycle.

1. Focusing on Paychecks, Not the Monthly Picture

🤔 Thinking paycheck to paycheck ignores your actual monthly expenses.
📅 Look at your full monthly income to create consistency—especially for must-haves like gas and groceries.
🔄 Ditch assigning different jobs to each check and look at the big picture.
🧐 You might be surprised how much you actually bring in when you do this.

2. Spending Without a Plan

💳 Swipe and hope isn’t a plan.
📊 Using your bank balance to guide spending = chaos.
😩 Don’t let past failed budgets stop you.
💪 Month 3 or 4 is when it starts to click—keep going.

3. Waiting for the Perfect Moment

⏰ Life will never be “just right.” Start now.
✨ Budgeting through the chaos builds resilience.

4. Lacking Big Goals

🌠 No goals? No motivation.
💭 A strong “why” keeps you from impulse spending.
🏖️ Dream big—vacations, debt freedom, retirement.

5. Staying in Your Comfort Zone

😌 Comfort = stuck.
🌐 Stretch beyond old money habits.
👩‍🚀 Growth starts where comfort ends.

6. Lifestyle Creep

📈 More money ≠ more spending.
💰 Save, invest, pay off debt first.
🏡 Skip the comparison trap—focus on your goals.

7. Credit Card Dependency

💳 High-interest debt eats your paycheck.
🔄 Credit cards aren’t a budget—they’re a trap.
💡 Use savings tools that pay you, not cost you.
🎁 Plan big expenses in advance—cash > credit.

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138 | How They Paid Off $80K In Debt Making $7K / Month: Financial Coaching Case Study

Wed, 13 Sep 2023 10:01:03 -0400

🎉 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!

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137 | 3 Simple Steps to Reset Your Finances During This Busy Season Using Budgets & Cash

Mon, 11 Sep 2023 12:24:27 -0400

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.

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136 | Facing the Numbers: How to Start Budgeting Even If You're Afraid to Look At Your Money (Get Rid of Anxiety & Stress)

Fri, 08 Sep 2023 10:33:37 -0400

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.

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135 | Business Finances: How to Set Up Your Business So It Can Actually Pay You & Support Your Family's Budget

Wed, 06 Sep 2023 11:52:23 -0400

Do you want to learn how to save and when to spend so that your business can eventually support you one day?

We get it; managing your business finances is crucial, especially if you're starting a small business with a family to support.

1: "No Makey, No Spendy"

We've coined the phrase, "No makey, no spendy." It means you shouldn't spend money on your business until it's consistently making money. This is the #1 mistake peopel make when starting a business so let's talk about how to avoid it. We'll talk about how to be resourceful and frugal in the early stages of your business by using free or low-cost resources.

2: Separating Personal and Business Finances

Let's talk about separating your personal and business finances. It's essential to maintain separate bank accounts for your personal and business finances. Trust us; it leads to better financial organization and more straightforward accounting practices.

3: Implementing the Profit First System

We're introducing you to the Profit First money management system by Mike Michalowicz, and it's a game-changer. You're going to love this system's core principle: income minus profit equals expenses. It ensures you get paid from day one in your business. Grab his book here: Profit First by Mike Michalowicz

4: Setting a Business Budget

Now, let's talk about setting a budget for your business. We can't stress this enough; it's crucial. You'll want to include both monthly and annual expenses. We'll guide you through determining what expenses are essential for your business's survival in its early stages.

5: Growing at the Speed of Cash

When it comes to business growth, we want you to grow at the speed of cash. Avoid unnecessary investments and expenses. As your income increases, make sure your financial decisions are deliberate and well-planned.

We're here to help! If you've got any questions about business finances, reach out to us. We're always ready to assist.Learn More About The ONLY Business Bank We Recommend! (Inspired by the Profit First System)

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134 | Budgeting: The Basics and How to Master It, even With a Family and as a Mom

Mon, 04 Sep 2023 14:30:25 -0400

In this special episode, we're merging the best of two worlds: practical budgeting tips and a mindset shift to embrace financial freedom.

Setting the Financial Foundation

Creating a budget can be like mapping out your financial adventure. In this segment, we're discussing how to start without the scary budgeting jargon.
We're here to tell you that budgeting isn't a daunting task. It's like creating a roadmap for your money. They suggest beginning by listing your income and expenses, including a personal spending category. Yes, treating yourself is part of the plan!

Prioritizing and Ground Rules

Now, it's time to dive into prioritizing your spending and setting some ground rules.
We emphasize the importance of balancing expenses. Kids are wonderful, but they shouldn't dominate your finances. Create a kid's budget and stick to it. This way, you can avoid guilt and teach your children responsible money management.

Mindset Shift and Removing Temptations

Our third segment explores the power of shifting your mindset and dealing with financial temptations.
We discuss shifting your mindset from scarcity to abundance. Your finances are a tool to enhance your life, not a burden. And those tempting Amazon accounts? Consider separating them or using separate accounts for bills and spending to regain control.

Tithing and Mastering the Art of Budgeting

Why a budget is your financial anchor.
The role of tithing and charitable giving in your financial plan.
The significance of dedicating a portion of your income to tithing and giving back.
How to incorporate tithing into your budget while ensuring your financial goals remain attainable and enjoyable.

Overcoming Financial Anxiety

Confronting the anxiety often associated with financial management.
The empowerment of assessing your financial situation.
Strategies for eliminating those tempting, one click shopping options.
Techniques for making informed, confident spending decisions.

Balancing Family Finances

Navigating the "mom guilt" conundrum and achieving a harmonious equilibrium.
The pivotal role of setting a budget to cater to both family needs, personal desires, and charitable commitments.
Tips for fostering open and honest money conversations with your spouse.
Teaching your children valuable financial lessons that will serve them throughout life.

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133 | The One Thing You Need To Do To Make Budgeting Simple & Easy (The Money Management System You Can Use To Automate Bills, Spending, Saving & Paying Off Debt)

Fri, 01 Sep 2023 10:00:10 -0400

Welcome to today's episode where we’re sharing the #1 game-changer that’ll simplify your budget and kick stress to the curb. Seriously—it’s like a budgeting superpower you can start using tomorrow.

It’s Simplicity, Not Complexity

Budgeting doesn’t have to be stressful. If you’re juggling endless transactions and wondering where your money went, we’ve got the fix.

One client tried to send $1,200 to debt every month—on paper—but it never happened. Another was drowning in highlighter colors and pages of transactions. That’s why our system works: it separates your bills from your spending.

Separate and Conquer

Seeing your bills and spending separately brings instant clarity. No more confusing all-in-one accounts that trick you into thinking you have more money than you do.

Automatic Awesomeness

Set up auto-transfers. It’s how your budget moves from intention to action—no stress, no guessing.

Budget Smaller, Live Larger

Breaking things down per paycheck means you always know what’s safe to spend—no guilt over the latte.

Tailor It to You

Start with two accounts: gas/groceries and spending. Want more? Add what works for your lifestyle.

Payday = Bill Day

Your paycheck goes straight into your bills account. Bills? Covered. Spending? Crystal clear.

Make It a Habit

Get into the groove of dividing money as soon as payday hits. Clarity becomes second nature.

So that’s the move—separate, automate, and simplify. Your stress-free budget life starts now.

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132 | Business Besties Episode: Working From Home Challenges, Kids Sports and Business Partnerships!

Wed, 30 Aug 2023 10:00:52 -0400

Learn More About The ONLY Business Bank We Recommend!

🎙️ 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! 🌟

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131 | Make Your September Budget With Us: Plan Your Monthly Budget, Savings & Debt Pay Off With Our Help & Tips

Mon, 28 Aug 2023 10:00:00 -0400

It's that time again! A new month, new budget!! We're talking:

How to Wrap Up August

Before focusing on September, take the time to wrap up August's budget.
Finalize your numbers and compare what you budgeted to what you actually spent.
This process helps you learn and make better budgeting decisions going forward.
Don't be too hard on yourself; it's about learning and improving, not aiming for perfection.

Check Your Income & Expense Changes

Transitioning from August to September might bring changes in income and expenses.
Update your budget to reflect any alterations in income sources.
Review the changes in expenses, such as the end of summer camps or vacation spending.
Consider adjusting childcare expenses and sports-related costs.

What Do You Need To Save For?

Establish sinking funds for expenses that occur annually, such as homeschooling fees or insurance premiums.
Divide the total amount needed by 12 and save that amount monthly to avoid financial strain when the bill comes due.
Review annual subscriptions, such as Disney+ or Amazon Prime, and plan accordingly.

Setting Money Goals for September

September should have specific goals and you need to put them in your budget. Set financial goals for September and integrate them into your budget.
Prioritize saving money or paying off debt based on your specific financial objectives.
Aim to pay yourself or pay off debt ON PAYDAY to maintain accountability and consistency.

Fun Wins Our Clients Are Having That You Can Have Too:

Consider using cash for certain budget categories to enhance discipline and money management.
Use envelopes to allocate funds for different spending categories, like restaurants or childcare.
Name your accounts strategically to avoid accidentally spending designated funds.
Understand that the process of building savings and reaching financial goals is a journey.
Embrace the idea of being the type of person who has money and let your savings grow.
Be patient with yourself as you learn to prioritize saving and stop impulse spending.

Put it into Practice

Schedule the dates for transferring money into various accounts, either manually or automatically.
Plan ATM visits to withdraw cash for specific budget categories.

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130 | Mastering Budgeting and Dave Ramsey Tips for Families ft. Momma Has Goals & Kelsey Smith

Fri, 25 Aug 2023 10:00:18 -0400

Welcome to the Budget Besties Podcast! Today, our hosts join the “Momma Has Goals” podcast. They discuss several tips and tricks learned in their financial journey.

Beginner's Mindset:

Embrace learning and growth. 🌱

Money Philosophies - Ideal Balance vs. Dave Ramsey:

Different approaches to money. 💰
Budgeting, saving, investing insights. 💡

Bank Account Assistant:

Maximize its potential. 💼
Manage bills, savings, spending. 💳

Cracking Credit Card Points:

Understand rewards pros, cons. 🛍️
Smart point strategies. 🌟

Teaching Kids About Money:

Kid-friendly money lessons. 👦👧
Learn through play. 🎮

Male Money Mindset:

The scorecard money philosophy. 👔💰
Shift perspectives, empower. 🚀

Small Steps, Big Progress:

Beat burnout with actions. 🚶‍♀️🚶‍♂️
Basic budgets, micro-investing. 💸

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129 | Struggling with Budgeting? Try These 5 Tips!

Wed, 23 Aug 2023 10:00:05 -0400

Welcome to the Budget Besties podcast! Today, your hosts Shana and Vanessa answer some tough questions you, the audience, have had on a Facebook livestream.

Questioning How to Balance Your Budget and Fun Money? Simple! First, separate bills and spending. Next, be sure to set a budget for FUN so you know exactly how much you have to spend.
Wanting to Improve Your Budgeting Skills? Print out the budget, keep a hard copy, and makes sure you're doing it the right way with the categories we're telling you.
Wondering How to Plan the Ultimate Budget? It's a good start, but “Planning Isn't Enough” we say. You've got to follow through.
Do You Want No Debt and a Huge Savings Account? Your Hosts Reveal the Correct Path: Budget > Debt > Savings > Money Markets > Investments.
“Where Is My Money Going?” Asks one listener. We're telling you how to monitor your money.

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128 | Budget Breakthroughs: From Hoarding Cash To Paying Off Credit Cards, Saving Money On Insurance Re-quotes & When Using Cash Makes Sense

Mon, 21 Aug 2023 10:00:26 -0400

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!

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127 | Money Leftover in Your Budget but None in Your Bank Account? Here's Why and How to Fix It

Fri, 18 Aug 2023 10:00:02 -0400

We're diving deep into this issue today, so buckle up for some budgeting wisdom.

Mind the Gap: It's a common conundrum: your budget on paper is a masterpiece, but your bank account tells a different story. Let's bridge that gap together and make your financial dreams a reality.

The Habits Hold the Key: Picture this: you've got big plans for your budget, but the siren call of impulsive spending lures you away. Habits play a major role, my friends. We'll unpack this dance between behavior and budgeting.

Meet Joe The Budgeting Hero: Gather 'round as we salute Joe, the math whiz who discovered that budgeting isn't just about numbers; it's about habits and discipline. The budget math may add up, but habits make it stick.

Navigating Temptation: Ever find yourself swayed by impulses and distractions? We're spilling the tea on curbing temptations and nurturing your budgeting goals. Your accountability partner (or a financial BFF) can be a saving grace.

Unearthing the Budget Bank Mismatch: Hold on, folks! Let's delve into the root causes behind the budget-bank mismatch. It's time to address one significant culprit: impulsive spending and the lack of an accountability buddy.

Teamwork Makes the Dream Work: When you and your partner-in-crime tackle the budget together, magic happens. Joint budget meetings, setting common goals, and creating synergy can turn the tide of impulsive spending.

Budget-Check, a Must Do Task: Regular budget check-ins are the secret sauce. Adjustments, tweaks, and realignments keep your budget on point.

Slaying the Unexpected: Enter the budgeting superhero cape: preplanning. We're dishing out the detective tips – go back 90 days in your spending history. Unearth those sneaky subscriptions and occasional bills that mess with your budget's mojo.

Embracing the Power of Automation: Cue the grand entrance of Captain Automation! A swoosh of automation can turn your budget into a dance of synchronized finances. Automate transfers, separate accounts, and let the system do the heavy lifting.

Your Budget's New Best Friend: Your budget and bank account can be BFFs, not frenemies. Behavior, discipline, preplanning, and automation are the keys. Imagine a financial world where your budget doesn't just exist on paper, but comes to life in your bank account.

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126 | 7 Reasons You Need a Budget Even with a High Income: Stop Stressing About Money & Start Building Wealth

Wed, 16 Aug 2023 10:00:16 -0400

Episode Highlights:

🌟 Exploring the myth that having a substantial income means you don't need a budget.🌟 Debunking the misconception and explaining why a budget is even more essential when you're rolling in the dough.🌟 Emphasizing the role of a budget in transforming dreams into achievable goals.🌟 Highlighting how a budget becomes the roadmap to financial aspirations and making dreams a reality.💸 Discussing the allure of impulse buying and the challenges it poses.💃 Demonstrating how a budget acts as a dance instructor, guiding you away from temptations and towards smart financial choices.🔢 Expanding on the idea that a budget isn't just about the numbers; it's about control and freedom.🚀 Showcasing how a budget empowers individuals to make informed decisions that lead to financial liberation.💡 Unveiling the connection between budgeting and the mindset of successful individuals.🌱 Providing insights into how a budget helps cultivate disciplined habits that align with a millionaire's approach.🛡️ Illustrating the protective aspect of budgeting when it comes to safeguarding financial dreams.💰 Explaining how a budget serves as a shield against wasteful spending and ensures your resources are directed towards your aspirations.🎨 Inviting listeners to envision their budget as a canvas for financial success.🎉 Encouraging the idea that a budget is a creative tool to paint a beautiful picture of a fulfilling financial journey.

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125 | Sick of Relying on Credit Cards to Survive? Try this Cash Flow Approach Instead!

Mon, 14 Aug 2023 10:15:08 -0400

In this episode, we explore:

- Elevating Your Financial Mindset: Discover why using debt as a crutch holds you back from your true potential. Let's ditch old habits and focus on growth. 🚫💳

- Unlocking Financial Freedom: Imagine a life without the burden of debt. We'll show you how to plan your expenses without relying on credit cards. 🗂️💳

- Taking Control of Your Finances: Learn from real-life success stories. See how others shifted from debt-driven cycles to financial empowerment. 📈💪

- Breaking the Hamster Wheel: Debt is a cycle that keeps you stuck. We'll guide you to break free, level up, and cash flow your way to success. 🔄🔓

- Becoming a Financial Steward: Embrace the parable of the talents. Transform your financial journey by being a wise steward of your resources and opportunities. 🌱💼

This episode is your guide to mastering your finances, leaving debt behind, and embracing a future of abundance. Your financial journey starts here. Tune in and start making money work for you! 🎧👑

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124 | Simplify and Thrive: How to Spend Less Than You Make (Living Below Your Means)

Fri, 11 Aug 2023 12:30:34 -0400

We're bringing you some real talk & valuable insights from our sessions with clients, highlighting the importance of using your income wisely & making it last longer. Join us as we share practical lessons and eye-opening stories to help you thrive financially.

- Introduction to Living Beneath Your Means: We kick things off with a discussion about the power of living beneath your means and why it's a game-changer for your financial future.

- Lessons from Teachers: Discover how we helped a dedicated teacher transform her financial journey by optimizing her income. Learn the secret to smoothing out your finances during summer months, even if you're on a single income.

- Budgeting for Stability: Uncover the magic formula for budgeting based on your annual income, ensuring stability during lean months. We share simple yet effective strategies that put you in control of your financial destiny.

- Entrepreneurial Wisdom: Tune in to hear how a lawn maintenance business owner turned financial stress into success. Find out why budgeting with a focus on baseline income is key to managing seasonal business fluctuations.

- Balancing Act for All Industries: Whether you're a chiropractor, a travel industry professional, or anyone in between, we discuss the importance of leveling out your income throughout the year. Get inspired to embrace financial stability regardless of your field.

- Maximizing Bonuses: We explore a brilliant idea for making the most of your bonuses by prioritizing essential financial goals. Learn how to use these extra funds strategically to build a stronger financial foundation.

- The Wisdom of Living Beneath Your Means: Delve into the concept of living beneath your means and its timeless wisdom. We share real-life stories that demonstrate the incredible impact of this approach on your long-term financial well-being.

- Setting Financial Goals: Discover how to set achievable financial goals by basing your budget on your consistent income. We break down the steps to aligning your spending with your priorities and aspirations.

- Creating Financial Freedom: Our final segment unveils the journey of a couple striving to live on one salary, paving the way for financial freedom. Learn how to avoid becoming dependent on extra income and why it's crucial for your financial peace of mind.

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123 | 3 Ways You Can Stop Impulse Spending So You Can Stick To Your Budget & Save Money

Wed, 09 Aug 2023 11:02:08 -0400

Do you find yourself overspending? Impulse spending? Buying stuff and later regretting it? How about Ever spending too much without even realizing it? Don't sweat it – we're here to help you master your spending skills. Get ready to learn easy peasy tricks to save money and still have fun!

- Spending Smarts: We'll chat about times when spending got out of hand and how to keep it in check. No worries, you're not alone!

- Quick Story Time: Ever seen an ad and felt like buying something right away? We've got funny tales from folks who've been there and cracked the spending code.

- Spend with Sense: Learn cool ways to decide if buying something is a good idea. We'll share funny stories about hair dryers too!

- Money Limits: Want to spend but also save? We'll show you how to set a money limit for yourself and enjoy your purchases without going overboard.

- Wait for Wow: We'll teach you the cool trick of waiting before buying something. Trust us, it's like a secret money superpower!

- Smart Wishlists: Got a birthday coming up? Learn how to make a wish list for your dream stuff and let your family and friends make you smile.

- More than Stuff: Discover the magic of doing fun things and having adventures. It's better than any toy or gadget!

Ready to be a money ninja? With these easy tips, you'll save money like a champ and still enjoy life to the max. So let's high-five those dollar bills and get ready for a spending-smart journey!

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122 | How To Budget Even If You're A Beginner: 5 Beginner Budgeting Tips

Mon, 07 Aug 2023 13:41:31 -0400

🧐 Are you new to budgeting? No worries! We understand that most of us are beginners--you don't know what you don't know! No one taught us how to budget. But! Now we're here to guide you step by step. Listen for:

How to give yourself permission to be a beginner (stop overthinking or sabotaging)
Which three simple categories you should start your budget with
Why using paper for your beginner budget will really help
How debt plays into starting the budget journey
How to move from using credit cards to pay bills to using your budget to pay bills
How to allocate spending when budgeting
How to avoid resenting your budget by giving yourself room for fun

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121 | Unlocking Tax Secrets: Tracking, Avoiding Audits & How to Get Out of IRS Debt with Claudia Moncarz, Certified Tax Geek! (Plus PayPal & Venmo Tips)

Fri, 04 Aug 2023 10:40:05 -0400

All the tax secrets you need to know are coming to you in this podcast courtesy of Claudia Moncars, Certified Tax Geek (aka Tax Attorney)! She helps people navigate and resolve tax issues with the IRS and she's telling us all the behind the scenes things we didn't know! Listen in to hear all about:

Claudia shares that most individuals who approach her have unintentionally made mistakes on their taxes, emphasizing that mistakes are common even among those who are knowledgeable. (Yes, we're talking about you smarty pants! 🤓)
How small business owners often struggle with managing taxes while focusing on growing their businesses. Claudia emphasizes the importance of proper record-keeping.
Maintaining Separate Business Records: Claudia suggests the importance of maintaining separate records for business expenses and personal expenses to avoid potential audits.
Tracking Cash Transactions: Claudia explains how cashless transactions are being tracked more rigorously, and she advises keeping documentation even for small transactions to avoid discrepancies. She's giving you the details about PayPal, Venmo and what you need to know to avoid flagging an audit!
Dealing with IRS Debt: Claudia outlines a framework for dealing with IRS debt. She advises acknowledging mistakes, opening IRS letters promptly, evaluating your financial situation, and taking action to address the debt.
Negotiating with the IRS: Claudia explains that negotiating with the IRS involves understanding allowable living expenses and finding ways to reduce the amount you owe. She gives examples of how certain business expenses can be used to reduce the tax liability.
Freezing Accounts: Claudia mentions that the IRS can place accounts in a "currently not collectible" status, giving individuals a temporary break from collection efforts to stabilize their finances.
Strategies for business owners to manage payroll and withholdings, including using payroll services.
How to track your IRS account and being proactive in understanding your tax liabilities.

Find out more about Claudia here: www.moncarzlaw.com or check out her YouTube channel here: https://www.youtube.com/askthetaxattorney

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120 | Business Besties Episode: Business Goals, Work-Life Balance, Momprenuer Life, Scalp Issues, Hair Thinning, DIY Kitchen Cabinets, Motherhood & Business

Wed, 02 Aug 2023 10:32:05 -0400

*Welcome to a special episode of our podcast: Business Besties! We're shaking things up with some oversharing about friendship & girl talk.*

Listen in for:

Why we're doing this episode and a little bit of our origin story
All about our business goals last month and whether we met them or not!
Encouragement on how you can definitely do it too!
We'll also tell you a little bit about our vacations & quality time with family and together
We're telling you what we both struggled with this month including scalp issues and hair thinning!
We had a hilarious adventure with a DIY project - painting kitchen cabinets. Let's just say, it didn't go well.
We're trying our best to balance work, family and personal life and we've got tips for you!
Proud mama alert- telling you a few of our kiddo's wins.
We'll tell you about our adventures on beach volleyball team plus our #1 guilty pleasure / indulgence / hilarious story.

If you're interested in the blood work kit Vanessa mentioned, please visit https://stewardinglifewellness.com/shop/ and use the coupon code BALANCE for 5% off!

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119 | Lessons From The Sessions: 3 Big Lessons Our Clients Are Working Through About Budgeting, Getting Out Of Debt, Storage Units, Big Purchases & Funding Vacations

Mon, 31 Jul 2023 10:48:39 -0400

Today we're bringing you three lessons from our coaching sessions, we know they're going to help you!

During one session, the husband surprised us with his desire to buy a pricey vacuum, which we totally didn't see coming! But we took this opportunity to discuss weighing your long term goals over what you want right now as well as finding creative solutions to achieve their debt-free goal while managing their expenses.
We also delved into the topic of storage units several times this week. While they can be useful in some situations, it's essential to have an exit strategy and not fall into the trap of using them indefinitely. If you have a permanent home, you might not need a storage unit at all! Let's declutter and prioritize our possessions wisely.
Finally, we dished out some tough love about vacations. If you can't afford a vacation, you've got to face that reality and focus on financial goals first. Sacrificing vacations for a short period will lead to long-term gains and more exciting opportunities down the road. Embrace the process and envision a life where financial freedom is the ultimate vacation! While you're at it, build a life you won't need to vacation from; prioritize financial freedom.

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118 | Make Your August Budget With Us: Plan Your Monthly Budget, Savings & Debt Pay Off With Our Help & Tips

Fri, 28 Jul 2023 20:40:46 -0400

It's that time again! A new month, new budget!! We're talking:

How to Wrap Up July

Before focusing on August, take the time to wrap up July's budget.
Finalize your numbers and compare what you budgeted to what you actually spent.
This process helps you learn and make better budgeting decisions going forward.
Don't be too hard on yourself; it's about learning and improving, not aiming for perfection.

Check Your Income & Expense Changes

Transitioning from July to August might bring changes in income and expenses.
Update your budget to reflect any alterations in income sources.
Review the changes in expenses, such as the end of summer camps or vacation spending.
Consider adjusting childcare expenses, back-to-school supplies, and sports-related costs.
Take advantage of back-to-school tax-free weekends for saving on purchases.

What Do You Need To Save For?

Establish sinking funds for expenses that occur annually, such as homeschooling fees or insurance premiums.
Divide the total amount needed by 12 and save that amount monthly to avoid financial strain when the bill comes due.
Review annual subscriptions, such as Disney+ or Amazon Prime, and plan accordingly.

Setting Money Goals for August

August should have specific goals and you need to put them in your budget. Set financial goals for August and integrate them into your budget.
Prioritize saving money or paying off debt based on your specific financial objectives.
Aim to pay yourself or pay off debt ON PAYDAY to maintain accountability and consistency.

Fun Wins Our Clients Are Having That You Can Have Too:

Consider using cash for certain budget categories to enhance discipline and money management.
Use envelopes to allocate funds for different spending categories, like restaurants or back-to-school shopping.
Name your accounts strategically to avoid accidentally spending designated funds.
Understand that the process of building savings and reaching financial goals is a journey.
Embrace the idea of being the type of person who has money and let your savings grow.
Be patient with yourself as you learn to prioritize saving and stop impulse spending.

Put it into Practice

Schedule the dates for transferring money into various accounts, either manually or automatically.
Plan ATM visits to withdraw cash for specific budget categories.

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117 | 10 Nuggets of Truth That Will Make Your Life Better: Habits, Mindset, Food, Life Coaching, Morning Rituals, Goals & More

Wed, 26 Jul 2023 19:32:58 -0400

We've got one more fast & fun best of clip show for you. Listen for short but jam-packed nuggets on:

Getting back on track after you've fallen off course for your goals (hint, it takes one decision)
How & why you need more margin & buffer (white space) in your schedule / calendar
All the good stuff is made up of hard work so lean into it
How to not give into your brain when it throws a temper tantrum
Why a morning routine is so important
Leadership as a mom
Your body's natural state is strong & energetic and what food-like substances are doing to it
How to get started on a project or task even when you don't want to
If your friends don't support or help you move closer to your goals, you need new friends

And more!

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116| 10 Truths About Money & Your Personal Budget That You Need To Hear: Personal Spending, Extra Paychecks, Money Mindset, Automatic Savings Transfers, Investing, Budgeting for Big Expenses & More!

Mon, 24 Jul 2023 11:00:42 -0400

Today get ready for some serious, hard-hitting money advice! We're splicing together all the golden nuggets from our past podcasts. You'll be like, "Wow, that hit me hard, but I needed it!" Think of them like YouTube Shorts...each one is short and sweet!

Here is a glimpse at some of the nuggets we're talking about:

No Judgment Spending: Hey, it's okay to have a personal spending budget! You can't be too restrictive or too wild with your money. We call it the "No Judgment Account" – spend it freely without guilt!
No Extra Paycheck: Sorry, no magical extra paycheck will save the day. We're thinking bigger! Use that extra money wisely – pay off debts, boost your emergency fund, or save for those big dreams!
Mindset Shift: Don't let money control you. It's time to flip the script! When your income increases, don't automatically spend more. Your goals should get a raise, not your expenses!
Budgeting for Big Expenses: List down all those big expenses you dream of – Christmas, vacations, home repairs. Then break them down, calculate what you need, and budget for them each month. Boom! No more financial stress!
Automatic Transfers: Get excited about automatic money magic! Set up those transfers, and watch your accounts grow effortlessly. It's like money fairies doing the work for you!
Robbing from Your Future Self: Time to stop robbing from your goals and dreams! Align your spending with your vision. Be intentional, and make your future self proud!
Invest in Your Future: Celebrate those raises by raising your investments! No more excuses. Prioritize your future and let compound interest work its magic!

And more!

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115 | Abundant Living: Navigating Self-Care, Abundance & Faith as Women

Fri, 21 Jul 2023 12:17:16 -0400

Looking for inspiration and balance in faith, business, and motherhood? Join us for an uplifting podcast episode with Samantha Semans, the cheerleader for women seeking their true calling and deeper relationship with Jesus. Listen to learn about: The misconceptions about self-care and abundance in the world (Spoiler Alert: true abundance comes from abiding in God) The struggle and pressure on women to perform, succeed, and provide and how they can find freedom and fulfillment in a relationship with Jesus. Listen to some of our personal experiences and stories of growth, transformation, and overcoming challenges in faith and life. All about nurturing one's relationship with God, deepening the understanding of the Bible, and learning how to hear from God. How to address past traumas, receiving permission to focus on God, and understanding that God's abundance is available for all aspects of life. Why you need to ditch the silo approach, aka doing life alone. Get encouragement and support if you're feeling lost or distracted, guiding them to find their calling and walk in their authority with Jesus. More discussions about finances, roles as women, and understanding how biblical principles can positively impact different areas of life.

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114 | How To Build A Better Marriage Using Your Finances & Money Situation As A Building Block Even If You Normally Avoid Talking About Money With Your Spouse Like The Plague

Thu, 20 Jul 2023 12:53:13 -0400

In today's episode, we're talking about combining finances in a marriage as well as the consequences of not doing so. We are here to coach & encourage couples to be on the same page financially to avoid division and build a stronger relationship. Listen to us: Explain how not combining finances can create a sense of individualism and hinder intimacy in a marriage Discuss the importance of communication, trust, and teamwork in managing shared finances Highlight the benefits of having joint financial goals and working together to achieve them Addresses the issue of staying financially afloat without making significant progress as a couple Recommend combining finances as a necessary step to create a unified approach to money management Offer insights into the potential pitfalls of keeping finances separate and the impact on marital dynamics Encourage you to reset as a couple and approach their finances as a team from day one

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113 | What Money Issues In Your Marriage Really Mean & How To Fix It: The Tough Love We All Need To Hear About Money, Marriage, Trust & Intimacy

Mon, 17 Jul 2023 10:54:42 -0400

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

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112 | Sick of Wasting Money & Calories Eating Out or Eating Junk Food? Try This Super Simple & Doable Meal Plan Technique Instead! Meal Planning, Menu Boards, Grocery Budget, Food Spending, Door Dash

Fri, 14 Jul 2023 10:03:10 -0400

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.

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111 | 7 Ways To Save Money Even If You Don't Have Time To Make A Budget

Wed, 12 Jul 2023 10:06:50 -0400

Can you save money without sitting down to do an entire budget? Are there ways to get you going in the right direction if you are in a busy season right now? Join us in this episode as we give you seven practical strategies to save money, even if you don't have the time to create a budget. Whether you're constantly on the go or simply haven't gotten around to making a budget yet, these tips will empower you to take control of your money & financial situation.

Listen to learn:

The fastest way to stop using credit cards to pay for everything (that will help you spend less too)
How to reduce impulsive spending quickly
What budget items you can shop around for better deals while you're sitting in carline
The one exercise that'll be so eye-opening you won't want to spend money again!
How you can use your bank to automatically save money
How to save money on food and groceries (+ how to stop wasting food)
The one hack you can use with cash without having to go ALL in using cash
How to use the bank to do your budgeting for you

Plus we had some bonus tips to offer too:

Take advantage of rewards programs offered by restaurants and stores (Chick Fil A app anyone!?)
Consider buying your bulk items (like supplements) during sales events like Black Friday

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110 | The Top Things Not To Do If You Have a Business + Our Business PIVOT | Profit First, Life Coaching, Fitness, Home Organization, Niching Down, Balancing Work & Kids, Small Business, Side Hustles

Mon, 10 Jul 2023 16:27:21 -0400

Learn More About The ONLY Business Bank We Recommend!

"We made this podcast to help you get to where you wanna get to faster than it took us."

Today we are talking to you all about our business journey in order to help you, perhaps, not make the same mistakes. 79% of our clients are business owners or they have a side hustle of some sort. So, we are offering a glimpse at some of the mistakes we've made in order to hopefully help you! Listen to hear about:

How we started and ran multiple businesses.
The challenges we've faced & mistakes we've made along the way.
How we spread ourselves too thin.
How we finally figured out which part of our business we should focus on.
The benefits of focusing on one thing.
How the Profit First system saved us from turning all these business mistakes into financial mistakes.

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109 | Everything You Need In Your Budget + Money Management System | Goals, Income, Debt, Bills, Paycheck Plans, Digital Envelopes, Cash Envelopes & More

Fri, 07 Jul 2023 12:48:20 -0400

In this episode we are telling you all about the budget + systems we use for our clients to help them get debt free and feel calm and confident about their finances. Some of the key components include:

Goal Setting: A section dedicated to setting financial goals, whether short-term or long-term.
Monthly Budgets that track income, bills, debt, spending & saving.
Asset tracker: Figuring out your net worth & setting net worth goals is next level!
Debt tracker: Here we create your debt snowball and figure out when & how you can get out of debt.
Debt-free Budget: We like to show clients what life could be like when they're out of debt.
Retirement budget & planner: You have take the time to paint your retirement picture so that you know what you're working toward. Then we have a calculator that lets you know exactly how & when to get to that official retirement moment.

The benefits of our system, that is now available to you, are:

Set & Reach Financial Goals: You can set & reach financial goals. Finally.
Comprehensive and Simplified Approach: Your budget & systems need to offer a comprehensive solution by covering various aspects of financial analysis, tracking, and planning. When you simplify the budgeting process and incorporate automated systems , it's easier for you to manage your own money!
Personalization: The workbook allows users to personalize their budget by creating their own categories and customizing it according to their specific needs. This feature ensures that individuals can tailor the resource to their unique financial situation.
Clarity and Organization: The workbook's layout and structure provide you with clarity and organization, making it easier to understand and work with your financial data. It helps individuals gain a clear picture of their financial situation and track their progress towards their goals.
Retirement Planning: The workbook includes a retirement calculator and budgeting section that helps individuals plan for their future retirement. It assists in visualizing retirement goals, determining required income, and creating a plan to reach those goals.

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108 | Q&A: How Do I Do Estate Planning On A Budget? What About Trusts? Do I Need A Lawyer? Can I DIY it Myself? Can I Avoid Taxes?

Wed, 05 Jul 2023 10:17:36 -0400

We're back for another Q&A episode all about estate planning and the desire to avoid probate and taxes.

Key Points:

Thinking about this is great b/c you're forward thinking and preparing for the future.
Estate planning helps you avoiding burdening your children or loved ones with complex legal procedures.
Lawyers are necessary in some cases, while others can be handled with DIY resources.
Probate is the legal process that occurs after someone's death, involving asset distribution.
Waiting for probate to resolve can take months to years and may incur substantial costs.
Hiring a lawyer during probate usually involves paying a percentage of the total assets.
DIY resources can be suitable for simple wills and some real estate matters, but caution is advised.
Why we recommend hiring a lawyer in this instance.
A trust allows you to bypass probate entirely.
Establishing a trust requires upfront costs, typically around $4,000 to $5,000.
With a trust in place, assets can be transferred immediately without going through probate.
Any lawyer in the country can handle the trust's distribution without additional charges.
Not planning your estate properly can lead to financial messes and family stress.
Long probate periods can create conflicts among family members.
The cost of avoiding estate planning can far outweigh the initial investment.

Estate planning is a crucial step to protect your assets, minimize taxes, and avoid probate-related complications. While hiring an attorney can be expensive, DIY resources may not be sufficient for complex situations. It is essential to weigh the costs and benefits and make an informed decision based on your specific circumstances. By taking responsibility now, you can simplify the process and ensure a smoother transition for your loved ones in the future.

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107 | Q&A Where Should I Keep My Emergency Fund? How & Where To Keep Your Emergency Fund So It's Accessible, Not Tempting To Use & Making You Money

Mon, 03 Jul 2023 12:17:11 -0400

Atomic Habits By James Clear

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.

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106 | Make Your July Budget With Us! Step-By-Step Monthly Budget Plan W/ Special July / Summer / Seasonal Considerations

Fri, 30 Jun 2023 10:20:50 -0400

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

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105 | Q&A: Student Loan Payments Are Back! We Just Got Our Budget To Where We Can Pay $400 Extra On Debt But Now There Will Be Nothing Left To Pay Off Debt. What Do We Do? Budgeting W/ No Wiggle Room

Wed, 28 Jun 2023 10:05:43 -0400

We're back for another episode of Q&A! Today we're talking to a listener that had their budget ALL figured out and now the student loan payments are back and it's wrecking their budget! They had managed to save around three to $400 per month to put towards debt, but now their student loan payments are back, leaving them with no extra money at the end of the month! They're seeking advice on how to navigate this situation while juggling work and taking care of their kids.

Here are the basic tips & takeaways:

Revisit your expenses and take a closer look at your budget.
Determine the difference between needs and wants, and identify areas where you can cut back.
Revaluate your spending habits
Consider reducing entertainment subscriptions
Reevaluate your insurance plans & renegotiate your rates

We also talk about:

What to do if you've already pared your budget down as much as possible.
How you may want to contact your creditors directly & how they'll be more willing to work with you if you chat with them BEFORE a default
How you can request deferred payments for a month or discuss the possibility of lowering payments or interest rates.

Finally, we also talked about the importance of teaching your children about personal finance. This situation can be an opportunity to discuss the negative impact of student loans and the value of saving for college from an early age. Having open conversations about finances and instilling good money habits can help them avoid financial struggles in the future.

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104 | Q & A How To Plan For Unexpected Kids Expenses In The Budget + Managing Children's Expenses + Introducing the Kids' Savings Buckets

Mon, 26 Jun 2023 20:28:44 -0400

In today's podcast, we are answering a question from a client about how to deal with expenses that come up as it relates to children.

We loved this mom's question & the realness of it:

What do you recommend to do when you have children, and you enter a phase where every day there is a new expense?

They grow out of shoes overnight and now require a purchase of $80 + shoes
Two days later your other son needs new cleats because the ones he has now have a hole in them and can't play soccer with his toes hanging out
Two weeks later the soccer team decides they are switching leagues and require a $300 deposit plus $150 for the uniform
And it just keeps going from there :)

We GET IT. Been there, done that, wasn't in the budget, sent kids to school with holes in their shoes, all of the above! We also know:

It's challenging to raise kids and budget at the same time, especially as the expense continues to climb
The expenses as it comes to kids can be unpredictable

We're telling you, again, about our concept of the kid's envelope and how it's going to save your life.

We're also explaining how to set up a sinking fund for your kids and how you can estimate the annual cost of your kids.

We also talked about how to set limits and say "no" when it's necessary.

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103 | Organizing Your Home Life Without Adding To Your To-Do List: Organization, Budgeting, Organizational Products, Storage Products, Clutter, Time-Saving Tips

Fri, 23 Jun 2023 09:38:56 -0400

Bathroom Outlet Shelf (Game Changer!)

In today's special episode, Alana Frost, owner of Alana's Organizing, shares wisdom from her journey as the owner of a professional organizing and relocation company. Alana is here to tell you all about:

The importance of mindset and creating a time-saving environment when it comes to getting organized
Why simply buying organizing products won't solve the problem
How to start with evaluating what you have and determining what is being used or not.
Why taking action is key, as even small steps can create momentum.
That organization is unique to each individual and family and it requires ongoing adjustments based on different life stages.
Tips for accomplishing more at home without adding to your to-do list.
How to have a home for everything in your house,
How to dedicate a specific time to put items away daily.
How these practices give you a clutter-free environment but also save time

Here are some affiliate links from Amazon to some of our FAVORITE organizational items for your home:

Closet Organization Help

Beautiful Storage Jars for Kitchen + Bath

Linen Storage Bins

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102 | Q&A: How Do I Know How Much Money I Will Need To Retire? Retirement Planning, Best Way To Save For Retirement, Retirement Investment Options, Retirement Savings Plan

Wed, 21 Jun 2023 09:59:13 -0400

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.

⁠

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101 | Q&A: What Are Some Budgeting Tips For Small Businesses Who Have Started By Using Personal Income & Personal Credit Cards? Small Business, Side Hustle, Accounting, Business Loans, Money

Mon, 19 Jun 2023 11:04:42 -0400

Snag Our Simplified Budget System! (Used by businesses as well)

Today we're continuing a special Q&A series where we're taking questions directly from you: our listeners, clients and fans! The first question is about small business that have used personal funds to get started.

About 75% of our clients have their own business or side hustle. In this episode, we're diving into budgeting and small business finances and sharing strategies & tips for your business. As financial coaches, we understand the challenges faced by entrepreneurs who are funding their businesses with personal money or relying on debt. Join us as we provide valuable insights on how to take control of your business budget, make strategic spending decisions, and ultimately achieve financial success.

Key Points Covered:

Tracking and measuring expenses: Start with a business budget to manage effectively.
Halting unnecessary spending: Utilize existing resources and inventory to generate income.
Breaking the cycle of business debt: Paying yourself back and setting up a debt tracker.
Establishing a systematic paycheck from your business to your personal budget.
Creating profitability: Prioritizing income generation, debt repayment, and personal income.
Treating your business seriously: Track, budget, and avoid unnecessary debt.
How financial coaching for small business owners can help.

Managing your business finances effectively is crucial for sustainable growth. By implementing these strategies and adopting a proactive approach to tracking, budgeting, and debt repayment, you can achieve financial stability and pave the way for future success. Remember, financial coaching is available to support you on this journey. Feel free to reach out to us for personalized assistance in getting your business finances in order.

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100 | Q&A: How Do I Stop Impulse Buying and Stop Giving In To Instant Gratification? - Impulse Spending, Impulse Buying, Impulse Shopping, Emotional Spender, Emotional Shopper

Fri, 16 Jun 2023 21:29:59 -0400

We mentioned James Clear's book "Atomic Habits." Get it on Amazon.

Today we're starting a special Q&A series where we're taking questions directly from you: our listeners, clients and fans! The first question is about overcoming impulsive buying and the guilt that follows.

"How do you talk yourself out of buying something at the moment? I feel like I am such an impulse buyer and I have GOT to train my brain to not thrive off the instant gratification of buying something because immediately after I always have a guilt and then I beat myself up."

We're talking about:
The need to REtrain your brain to find excitement in saving money and focusing on goals.
How to change your spending habits .
Why changing them won't be easy (we're being transparent).
How keeping budget, goals, and progress in front of you will help you stay motivated.
How to remove triggers that lead to impulse spending, such as avoiding certain stores or deleting shopping apps.
How creating a more fulfilling life and finding alternative activities is key to reducing the urge to spend.
How to recommend adding friction by making it harder to make impulsive purchases, such as deleting saved card information.
How to recognize and remove oneself from the temptation in the moment.
How to plan ahead for alternative actions when faced with the impulse to spend is crucial.
Why your spending budget line item is key to prevent feelings of scarcity.
How to plan and budget for desired purchases can provide gratification without overspending.

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99 | Part 2: Smart Summer Planning: Budgeting Tips For A Fun & Memory-Making Summer - Summer Camp, Summer Schedule, Summer Vacation, Free Summer Activities, Kids Summer Routine

Wed, 14 Jun 2023 10:28:15 -0400

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.

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98 | Smart Summer Planning: Budgeting Tips For A Fun & Memory-Making Summer - Summer Camp, Summer Schedule, Summer Vacation, Free Summer Activities, Kids Summer Routine

Mon, 12 Jun 2023 19:21:18 -0400

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

How to plan the summer so you don't feel crazy
How to align your summer activities with family values
How to cast a vision for what your want to your summer to look & feel like
How to avoid making impulsive decisions or over-scheduling
Free activities you can do with the kids to keep them engaged & save money on your budget
How to get your kids involved in the planning process
Budgeting for kids summer activities and kids summer camps
The importance of setting & keeping up a summer routine

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97 | Can You Afford To Budget For Personal & Professional Growth? Listen To Our Chat W/ Juliana Page To Find Out + Learn To Focus On Faith & Growth Rather Than Staying Stuck In Fear/Your Comfort Zone

Fri, 09 Jun 2023 12:05:32 -0400

In today's episode, we’re joined by Juliana Page, host of the God’s Vibes podcast, who’s sharing her journey from film production student to Christian Life Coach—and how saying yes to God's plan changed everything.

She’s also breaking down exactly how she budgets for personal and professional development, and why investing in herself has been key to her growth.

In this episode:

🎬 Juliana’s shift from film school to faith-based coaching
💭 Overcoming doubts and ditching society’s timeline
📖 Trusting God’s guidance for growth and clarity
🧠 How coaching helped her discover identity and purpose
💸 Budgeting for growth: how she invests in herself—personally and professionally
🧹 Letting go of what no longer serves to make room for more
🧭 Why mentors and coaches are game changers
🚀 Starting small and reallocating resources to match your priorities

Juliana’s story is real, raw, and packed with truth bombs. If you’ve ever felt called to more but didn’t know where to start—or how to budget for the growth you want—this episode is for you.

Grab your coffee and headphones, and get ready for a conversation full of lightbulb moments and practical wisdom.

Learn more about Juliana:

Courage Co. Community: www.courageco.org

Website: www.julianapage.com

God's Vibes Podcast: https://podcasts.apple.com/us/podcast/gods-vibes-feed-your-spirit-connect-with-god-renew/id1506849521

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96 | Debunking Debt Consolidation & Debt Relief Programs: Take Control of Your Debt Payoff Journey + Step By Step Plan To Deal w/ Creditors & Settlements

Wed, 07 Jun 2023 10:02:25 -0400

In this episode, we discuss exactly how the debt consolidation process works and why you don't need to rely on debt relief companies to get out of debt--whether you're behind on credit card payments or not. There are many benefits of taking charge of your own debt payoff journey so listen to learn how to save time and money without the middleman. We debunk common misconceptions and provide practical tips for achieving financial freedom.

In this episode we're:

Introducing the topic of debt consolidation and its popularity
Acknowledging that it's a touchy subject & many people believe it's a better option
Debunking the myth that debt consolidation companies are necessary for debt relief
Sharing a few client experiences with debt consolidation companies and the challenges faced
Exploring the alternative of contacting individual creditors and making payments directly
Discussing the advantages of the debt snowball method and tracking progress personally
Sharing real-life examples of clients who successfully managed their debts without consolidation companies
Reiterating that debt consolidation companies may not have your best interests at heart
Stressing the simplicity and do-ability of handling debt on your own
Encouraging you to take control of their finances and be proactive in debt payoff
Discussing the drawbacks of debt consolidation companies, including lack of urgency and proactive measures
Emphasizing the desire to be a good steward of money and take responsibility for financial mistakes
Encouraging you to own up to their debts and begin the process of tackling them
Explaining that debt consolidation companies don't make debts disappear, and it's better to face and address them directly

Remember, taking control of your debt is possible, and you have the power to make a positive change in your financial situation. Don't let debt consolidation companies dictate your journey – own it and pave your way to a debt-free life!

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95 | How to Plan Summer Vacations on a Budget + Budgeting for Family Vacations

Mon, 05 Jun 2023 14:02:39 -0400

In this episode we’re breaking down exactly how to plan and pay for family vacations without debt. We’ll show you how to budget for travel, make smart trade-offs, and bring those dream trips within reach—without blowing up your finances.

Key Points:

💬 Real stories: One client saved $3,000 in 6 weeks by breaking it down into weekly hustle goals. Another with six kids used a year-long savings plan to send her oldest on a high school trip.
💡 Count the cost: Most people skip this step—and either under-budget or never go. Flights, hotels, food, transportation, activities, souvenirs—get it on paper!
✨ Budgeting = more memories: Budgeting gives you the power to choose experiences and plan ahead with intention. Set up a vacation savings bucket and start setting aside a little each month.
🗓️ Plan early: Cash-flowing a trip is way less stressful. Build a savings timeline and look for deals on flights, hotels, and experiences.
🔄 Make trade-offs: Cut back temporarily on non-essentials and funnel that money into your vacation fund. Get the whole family involved!
🎉 Prioritize what matters: Focus on shared experiences, not stuff. Research free or low-cost fun at your destination and stretch your dollars.

Bottom line: You can take the trip and stay on budget. With a little planning and a lot of clarity, you can vacation guilt-free—without relying on credit cards or sacrificing your bigger financial goals.

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94 | Do You Want To Help Your Student Graduate College Debt Free? We're Diving Into Student Loans, Financial Aid, Scholarships, Community College + Paying For College As You Go + Paying Out Of Pocket

Fri, 02 Jun 2023 15:49:30 -0400

Book a scholarship strategy call with Kara.

Listen to this episode before you let your child apply for student loans! This episode is PACKED of ideas and tips to get your degree without borrowing money or going into debt. Kara Walker joins us to tell us how she went got her degree and didn't borrow a dime. If you're a parent, you want to hear this story. If you're a student, you want to hear this story. Kara talks about:

How she got 6 credit hours for $100
How she got her associate's degree for $1200 total
How she found unique scholarships as she went through her college journey
How to get a scholarship even after the deadline passes
How your GPA in college doesn't matter if you transfer schools
How you can get scholarships starting in middle school!
What's available for "independent students" at the age of 24

And so much more!

Connect with Kara:

Money and Mental Peace Podcast: She helps students find God's plan for college & graduating loan and debt free!

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93 | Make Your Budget With Us: Our 7 Step Process To Create A Zero-Based Budget - Part 7 - Bank Tips, Automatic Transfers, Saving Money, Emergency Fund, Paycheck Plans & Paying Off Debt

Wed, 31 May 2023 10:30:30 -0400

Today we're talking advanced budgeting tips you can implement after you've got your budget started. We're covering what banks to use, how to use your bank accounts to manage your money, how to automatically save money, where your emergency fund should be parked, what to do every payday and how/when to pay off extra debt using your budget.

Listen in if you want to be a good steward of your money and if you're looking for peace in your finances. We're giving you a few tips to improve communication in marriage so you can stop fighting and arguing about money and set & reach those couple goals instead! We're giving you the tips you need to simplify your budget and make it easy to implement!

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92 | Make Your Budget With Us: Our 7 Step Process To Create A Zero-Based Budget - Part 6 - Communication, Budget Meetings + Money Habits As A Team

Mon, 29 May 2023 12:21:24 -0400

Today we're diving deep into the world of combining finances when you say, "I do." In this episode, we'll explore the importance of communication in building stronger money habits together. Picture two individuals, each with their own unique money upbringing, coming together to blend their financial flavors. It can be a delicious recipe for success, but it can also present challenges. We'll share real-life examples, discuss involving kids in financial conversations, and reveal the key to navigating money matters as a team. So keep listening as we unravel the secrets to communicating finances in your marriage!

How Different Money Situations in Childhood Can Affect Your Relationship
The Impact of Money Baggage on Relationships
Why It's Wrong For One Person To Carry The Burden Of Doing The Budget/Finances All On Their Own
How To Involve Kids in Financial Conversations + Teach Kids About Money Early
Tips for Effective Money Talks + Conversations
Trust and Transparency in Financial Communication
Exploring Different Approaches to Managing Finances: Joint Accounts vs. Separate Accounts
Dealing with Debt as a Couple
Financial Planning for Life Events: Buying a Home, Starting a Family, Retirement, etc.
The Benefits of Regular Budget Check-Ins and Reviews Seeking Professional Help: Financial Advisors, Marriage Counselors, and Financial Coaches
Overcoming Fear, Shame, and Guilt Surrounding Money Discussions
Resources and Tools for Streamlining Finances as a Couple
Creating a Monthly Budget Meeting

Tune in to learn how to foster open dialogue, overcome financial differences, and strengthen your relationship through shared financial goals. Let's start building a solid foundation for your financial future together!

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91 | Make Your Budget With Us: Our 7 Step Process To Create A Zero-Based Budget - Part 5 - What does your budget say about you?

Fri, 26 May 2023 18:57:52 -0400

Did you know your budget is a reflection of your priorities and your values?

In the words of Dave Ramsey: “Don’t tell me what you value. Show me your budget, and I’ll tell you what you value.”

Today we’re going to talk about what your budget says about you, what you want your budget to say about you and how to bridge the gap between. We will cover:

Why you’re feeling frustrated about your “budget” or money management
How to analyze their own budgets and consider what it says about them
How to set goals and a vision for your financial future
How to align the budget with those goals
Why you need to think beyond the paycheck to paycheck cycle and consider your long-term desires and values
The small steps you can take to implement your goals

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⁠Snag Our Simplified Budget System!

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90 | Make Your Budget With Us: Our 7 Step Process To Create A Zero-Based Budget - Part 4 Getting Started With Your Simple Budget

Wed, 24 May 2023 10:20:37 -0400

Ready to start using your budget? Listen to learn all about:

Make the budget visible:

Print your budget out & keep it where you’ll see it.
Track weekly and make adjustments as needed.
Embrace your inner nerd with highlighters and pens and such.

Learn to embracing imperfection:

Learning to budget is a process and you shouldn’t expect perfection from day one.
You’ll refine over time and that’s great!

Consider Cash:

You don’t need to use cash envelopes forever, but you should try it for a month!
Start by using cash for specific categories, such as restaurants, groceries, or gas.
Cash is the BEST accountability partner. It doesn’t lie and it’s not judgmental.
Cash creates a tangible experience and provides a visual representation of your spending habits.
Use the same ATM on payday & envelopes to help.

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⁠⁠Snag Our Simplified Budget System!

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89 | Make Your Budget With Us: Our 7 Step Process To Create A Zero-Based Budget - Part 3 How To Give Every Dollar A Job The Right Way

Mon, 22 May 2023 10:10:54 -0400

Welcome to part 3 of our exciting miniseries on creating a budget in seven easy steps! In this episode, we dive deep into the concept of a zero-based budget and the benefits it offers for your finances!

Demystify budgeting and gain a better understanding of your personal finances.
Develop a detailed view of your income and expenses to take control of your spending habits.
Prioritize your expenses and eliminate unnecessary spending with a zero-based budget.
Assign each dollar a specific job to ensure your spending aligns with your goals and values.
Make better financial decisions by considering the opportunity cost of different choices.
Align your spending with long-term goals and make intentional decisions for financial well-being.

Imagine the relief of reducing financial stress as you confidently manage your finances. Say goodbye to uncertainty and hello to a secure financial future. It all starts with mastering the art of the zero-based budget.

Get ready to take control of your money, make smarter financial choices, and experience the peace of mind that comes with a well-managed budget.

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