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

• 387 | How to Handle Biweekly Paychecks & Mortgage Confusion Without Losing Your Mind

  Snag Our Simplified Budget System!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 4️⃣ COACHING: Ready to dive deep into your finances? Sign up for 1-on-1 or Group Financial Coaching. It’s the accountability and guidance you need to make real progress ➡︎ https://budgetbesties.com/coaching "I love Shana & Vanessa and this podcast is amazing!" 👈🏻 If that sounds like you, please consider rating and reviewing our show! It helps us to reach more people – just like you – to help them change their financial future. Don’t forget to follow the show so you don’t miss any episodes! And, if you’re feeling really generous, we’d be SO honored if you would share this podcast with someone. Click here to view our privacy policy.This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase!  

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• 386 | Budgeting Without the Baggage: Fun, Freedom & Finances with Your Budget Besties

  Snag Our Simplified Budget System!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 beautifulWhat 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 worksWe’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 4️⃣ COACHING: Ready to dive deep into your finances? Sign up for 1-on-1 or Group Financial Coaching. It’s the accountability and guidance you need to make real progress ➡︎ https://budgetbesties.com/coaching "I love Shana & Vanessa and this podcast is amazing!" 👈🏻 If that sounds like you, please consider rating and reviewing our show! It helps us to reach more people – just like you – to help them change their financial future. Don’t forget to follow the show so you don’t miss any episodes! And, if you’re feeling really generous, we’d be SO honored if you would share this podcast with someone. Click here to view our privacy policy.This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase!  

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• 385 | The 5 Budgeting Basics That Make Money Management Easy—Without Tracking Every Expense

  Snag Our Simplified Budget System!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 streamsWhy you don’t have to track every expense to be successfulHow to set up a budget that gives you clarity, peace, and flexibilityReal-life examples and mindset shifts that make budgeting feel doableThis 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 4️⃣ COACHING: Ready to dive deep into your finances? Sign up for 1-on-1 or Group Financial Coaching. It’s the accountability and guidance you need to make real progress ➡︎ https://budgetbesties.com/coaching "I love Shana & Vanessa and this podcast is amazing!" 👈🏻 If that sounds like you, please consider rating and reviewing our show! It helps us to reach more people – just like you – to help them change their financial future. Don’t forget to follow the show so you don’t miss any episodes! And, if you’re feeling really generous, we’d be SO honored if you would share this podcast with someone. Click here to view our privacy policy.This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase!  

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• 384 | How to Use Your Tax Refund to Get Ahead: Pay Bills, Build Savings, and Get Out of Debt with Semajh

  Snag Our Simplified Budget System!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 grindMaking room for joy (and pajamas!) without breaking your budgetThe plan to reclaim 24% of his income from debtAnd why he’s holding out on that dental discount—with purposeSemajh 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 4️⃣ COACHING: Ready to dive deep into your finances? Sign up for 1-on-1 or Group Financial Coaching. It’s the accountability and guidance you need to make real progress ➡︎ https://budgetbesties.com/coaching "I love Shana & Vanessa and this podcast is amazing!" 👈🏻 If that sounds like you, please consider rating and reviewing our show! It helps us to reach more people – just like you – to help them change their financial future. Don’t forget to follow the show so you don’t miss any episodes! And, if you’re feeling really generous, we’d be SO honored if you would share this podcast with someone. Click here to view our privacy policy.This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase!  

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• 383 | Lessons From the Sessions: Rental Property or Money Pit, How To Budget Your Bonus, Debt Payoff Decisions & Vacation Costs

  Snag Our Simplified Budget System!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 4️⃣ COACHING: Ready to dive deep into your finances? Sign up for 1-on-1 or Group Financial Coaching. It’s the accountability and guidance you need to make real progress ➡︎ https://budgetbesties.com/coaching "I love Shana & Vanessa and this podcast is amazing!" 👈🏻 If that sounds like you, please consider rating and reviewing our show! It helps us to reach more people – just like you – to help them change their financial future. Don’t forget to follow the show so you don’t miss any episodes! And, if you’re feeling really generous, we’d be SO honored if you would share this podcast with someone. Click here to view our privacy policy.This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase!  

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