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

Snag Our Simplified Budget System! Hey budget besties! 💸✨ We are back with a jam-packed episode full of real-life lessons straight from our coaching sessions. We’re talking about messy money habits, breaking down walls, and building a system that brings peace (and maybe even a little joy) to your finances. Let’s dive in! It’s Not You vs. Them – It’s Us vs. the Problem One couple kept their finances separate for years due to finger-pointing and money shame. Spending accusations, lack of tracking, and no clear goals had them stuck. 💔 Once we explained the power of teamwork and combined resources, they started seeing their money as a tool to build their dream (hello, future house 🏡). Spoiler alert: they’re bringing their money together and creating a shared vision. 🎉 Permission to Spend ≠ Permission to Stress That’s right—when you create a plan for your money, no more blaming each other for what you spend on. Example: She bought a cute hanging chair for her daughter’s room; he spent on golf. Both happy. Both stress-free. Why? Because the bills and savings were already covered. 🙌 Sacrifice Now, Flourish Later One client canceled a beloved annual family trip because it didn’t fit into their savings timeline. Instead of going into debt (again), they chose to skip this year, fund their savings buckets, and be set for next year—all in cash. 🚀 Imagine never stressing about vacations again. That’s long-term peace, y’all! The Power of Saying No From skipping playdates because the spending budget was maxed to packing snacks at volleyball tournaments instead of eating out—these little “no’s” make room for bigger “yes’s” down the line. 💪 Breaking the mold of “normal spending” feels uncomfortable at first, but normal is broke and we’re here to be anything but! Every Dollar Has a Job One couple saw “extra money” in their bills account and spent it—oops! Turns out, it was meant for debt. 🤦‍♀️ Lesson: The second money lands in your account, give it a purpose. Move it to where it belongs! No loosey-goosey money here. Systems Are the Secret Sauce From clients living paycheck-to-paycheck to those with feast-or-famine incomes (like quarterly bonuses), everyone needs a system. One client described their pre-coaching finances as being inside a Chuck E. Cheese money-grabbing game. 🎟️ Post-coaching? Automatic transfers, clear goals, and finally feeling in control of their finances. 🙌 Breaking the Cycle of “Keeping Up” Whether it’s a friend asking you to go out or family expecting you to live beyond your means, saying “no” can be empowering. By sticking to their budgets, our clients are becoming examples for others—proving you don’t need debt or overspending to live your best life. 🌟 4 Ways To Connect With Us: 1️⃣ FREE CALL: Book your FREE 20-Minute Financial Coaching Call now! Get personalized advice and start your financial journey ➡︎ https://www.budgetbesties.com/freecall  2️⃣ FACEBOOK: Become part of our Supportive Facebook Group. Connect, share, and learn with others mastering their budget skills ➡︎ https://www.budgetbesties.com/facebook  3️⃣ BUDGET: Grab our Signature Budget Template! It's your key to organizing and optimizing your finances effectively ➡︎ https://budgetbesties.com/budget  4️⃣ COACHING: Ready to dive deep into your finances? Sign up for 1-on-1 or Group Financial Coaching. It’s the accountability and guidance you need to make real progress ➡︎ https://budgetbesties.com/coaching  "I love Shana & Vanessa and this podcast is amazing!" 👈🏻 If that sounds like you, please consider rating and reviewing our show! It helps us to reach more people – just like you – to help them change their financial future. Don’t forget to follow the show so you don’t miss any episodes! And, if you’re feeling really generous, we’d be SO honored if you would share this podcast with someone.  Click here to view our privacy policy. This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase!  

Snag Our Simplified Budget System! Good morning, budget besties! 🥳 Today, Shana and Vanessa dive into a topic we all need to address: money and relationships. Whether it’s with your partner, kids, or even yourself, money conversations can feel like stepping into a minefield. But fear not—your budget besties are here to guide you through it! From scheduling money talks to involving the kiddos, we’re covering it all. By the end, you’ll feel ready to ditch the tension and start seeing money as a team tool for success. Key Takeaways💑 Money & Your Partner: Do it on purpose: Schedule intentional time to talk about finances—no more drive-by arguments in the kitchen! Start with just 12 money dates a year. Watch your words: Use "we," "us," and "our" to frame the conversation as a shared mission. Skip “you” or “my” to avoid finger-pointing. Start with the good stuff: Dream big! Revisit the goals you had as a couple—retirement, travel, buying a home—and let that excitement fuel the budgeting process. Pro Tip: Bring data, not drama. Numbers don’t lie and help you stay objective while avoiding unnecessary emotional friction. 👩‍👧‍👦 Money & Your Kids: Start young: Kids learn best by doing. Hand them financial responsibility in age-appropriate ways. Set up a “kid budget”: Instead of an allowance, give them control of a set budget to cover their wants and needs (e.g., birthday gifts, field trips). Teach them to allocate their money wisely. Speak positively: Avoid saying, "We can't afford that." Instead, say, "We’re choosing to save for this other awesome thing." This creates a positive mindset around money choices. 💡 Shana & Vanessa’s Three Big Tips: Schedule the Talk: Make it a regular habit. A monthly check-in can help avoid surprises and build financial teamwork. Choose Collaborative Language: “We” are in this together. Always. Dream Big Together: Reconnect with those “why” moments—what’s the vision for your family? Use your goals to guide your spending and saving choices. Why It Matters Money doesn’t have to be a taboo topic—it’s just a tool. When used intentionally, it can strengthen relationships, set your family up for success, and even be a source of joy. The goal isn’t to avoid these conversations; it’s to make them empowering and productive. Ready to tackle 2025 as a team? Let’s dream big and crush those goals, besties! 💪✨ Share Your Wins! What’s the first financial goal you’ll tackle together? Let us know in the comments or DM us your questions! Remember: You’re not alone in this journey. 💕 4 Ways To Connect With Us: 1️⃣ FREE CALL: Book your FREE 20-Minute Financial Coaching Call now! Get personalized advice and start your financial journey ➡︎ https://www.budgetbesties.com/freecall  2️⃣ FACEBOOK: Become part of our Supportive Facebook Group. Connect, share, and learn with others mastering their budget skills ➡︎ https://www.budgetbesties.com/facebook  3️⃣ BUDGET: Grab our Signature Budget Template! It's your key to organizing and optimizing your finances effectively ➡︎ https://budgetbesties.com/budget  4️⃣ COACHING: Ready to dive deep into your finances? Sign up for 1-on-1 or Group Financial Coaching. It’s the accountability and guidance you need to make real progress ➡︎ https://budgetbesties.com/coaching  "I love Shana & Vanessa and this podcast is amazing!" 👈🏻 If that sounds like you, please consider rating and reviewing our show! It helps us to reach more people – just like you – to help them change their financial future. Don’t forget to follow the show so you don’t miss any episodes! And, if you’re feeling really generous, we’d be SO honored if you would share this podcast with someone.  Click here to view our privacy policy. This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase!  

Snag Our Simplified Budget System! Hey Budget Besties! 👋 This week, we’re thrilled to welcome Lisa to the show as our big finale guest of the day. 🎉 Lisa is transitioning into an exciting new phase of life—selling her home, building a lake house, and gearing up for a financially free retirement. But here’s the twist: Lisa has never followed a budget before. 😲 In this episode, we guide Lisa through the steps to build her first-ever budget. If you’re planning for retirement, navigating a big life transition, or just ready to get intentional with your finances, this conversation is for you. 💰✨ We break down: The 5 sections of a simple budget: Income, debt, bills, spending, and savings. How to plan for future goals (like retirement, travel, or, yes, new shoes! 👠). The power of automating your finances so you can set it and forget it. Why a budget isn’t restrictive—it’s freeing! Lisa shares her inspiring story of living debt-free, selling her home, and preparing for her dream lake house life. We help her set up a system that will give her clarity, peace of mind, and the freedom to enjoy her retirement without stress. What You’ll Learn: How to Start a Budget: The simple, no-stress approach to creating a plan for your money. How to Stay Organized: Using multiple accounts to separate bills, spending, and savings. How to Automate Your Finances: Save for everything you want (from travel to Christmas) without lifting a finger. Living Your Vision: Why your budget should align with your goals, values, and dream life. Key Quotes from the Episode: “A budget isn’t restrictive—it’s permission to spend money without guilt.” “Ask yourself: What am I doing, and what do I want to be doing with my money?” “Once you set up your budget, it’s hands-off. You can wake up every day knowing your money is working for you.” “Nobody ever regretted having money saved for what matters most.” Takeaway:A budget is about clarity, not restriction. Whether you’re prepping for retirement, navigating a life change, or simply want to know where your money is going, this episode will inspire you to get organized and live your best life—financially and otherwise. 4 Ways To Connect With Us: 1️⃣ FREE CALL: Book your FREE 20-Minute Financial Coaching Call now! Get personalized advice and start your financial journey ➡︎ https://www.budgetbesties.com/freecall  2️⃣ FACEBOOK: Become part of our Supportive Facebook Group. Connect, share, and learn with others mastering their budget skills ➡︎ https://www.budgetbesties.com/facebook  3️⃣ BUDGET: Grab our Signature Budget Template! It's your key to organizing and optimizing your finances effectively ➡︎ https://budgetbesties.com/budget  4️⃣ COACHING: Ready to dive deep into your finances? Sign up for 1-on-1 or Group Financial Coaching. It’s the accountability and guidance you need to make real progress ➡︎ https://budgetbesties.com/coaching  "I love Shana & Vanessa and this podcast is amazing!" 👈🏻 If that sounds like you, please consider rating and reviewing our show! It helps us to reach more people – just like you – to help them change their financial future. Don’t forget to follow the show so you don’t miss any episodes! And, if you’re feeling really generous, we’d be SO honored if you would share this podcast with someone.  Click here to view our privacy policy. This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase!  

Hey, Budget Besties! 👋 This week, we’re replaying one of our favorite interviews with AJ Baeden 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!