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

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Fall is coming — even if it’s still 95 degrees outside — and that means the holidays are right behind it. 🎃🦃🎄🎆
And budget besties, we’re not just talking about Christmas.
Halloween, Thanksgiving, Black Friday, Christmas, Hanukkah, New Year’s, holiday parties, travel, teacher gifts, costumes, candy, food, decorations… it all adds up FAST.
In this episode, we’re helping you get ahead of the holiday spending season so your budget doesn’t take a gut punch — and you don’t wake up on January 1st wondering how you’re still paying for December.
We’re talking about how to decide which traditions and activities actually matter to you, how to look back at last year’s spending for clues, and how to create savings buckets now so you can pay for the holidays in cash.
We also break down expenses you might want to consider for each holiday, including:
Halloween costumes, candy, parties, school activities, and events
Thanksgiving food, hosting, travel, and traditions
Black Friday shopping
Christmas gifts, teacher gifts, parties, decor, photos, travel, shipping, outfits, pet boarding, and giving
New Year’s travel, parties, and — depending on your household — a potentially impressive fireworks budget 😂

Plus, we talk about cost sharing, setting spending limits, and why it can actually make sense to temporarily slow down extra debt payments if it means avoiding NEW debt during the holidays.
The goal isn’t to make the holidays stressful or take away everything fun. It’s the opposite.
We want you to have the money sitting there when it’s time to buy the costumes, book the trip, grab the gifts, or host the dinner so you can actually enjoy saying yes.
And if you’re still paying off last year’s holidays? This can be the year you change the pattern. Fund this season in cash, make a plan that works for your real life, and give future-you a much easier January.
A personalized budget template or financial coaching can also help you turn all of these moving pieces into one clear plan — especially when you’re balancing holiday spending with debt payoff, savings, and everyday life.
You don’t have to do the holidays perfectly. You just need to plan for the version of the holidays you actually want to have.
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Budget besties, this episode is about way more than food, fitness, or money. It’s about the beliefs underneath all of it.
We’re joined again by Carrie Lupoli, nutritionist, behavior specialist, and author of From Corset to Crown, for a conversation about becoming the healthiest version of ourselves — physically, mentally, emotionally, and financially.
Carrie shares a powerful idea: nutrition may be the doorway, but identity is the destination.
So many of us have spent years living inside what Carrie calls “the corset” — the pressure to look a certain way, earn a certain amount, keep up with everyone else, sacrifice everything for our families, or prove that we’re worthy.
And budget besties… that pressure absolutely shows up in our finances too.
Maybe we feel guilty spending money on ourselves but have no problem finding a way to pay for something our kids want. Maybe we’re afraid to talk to our spouse about money. Maybe we’re impulsively spending, putting things on credit cards, or avoiding our budget because chaos feels more familiar than change.
That’s why this conversation hit home for us.

Let’s Take Our Relationship To The Next Level:
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3️⃣ Private 1-on-1 Coaching. ➡︎ budgetbesties.com/coaching

Connect with Carrie:
Listen to Carrie Here!

This podcast is for educational and informational purposes only and is not personal financial, legal, or tax advice.
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Budget besties, this episode is packed with two coaching lessons we see all the time: trying to pay off credit card debt while still using credit cards, and treating that third paycheck like “extra” money. Spoiler: neither one is helping your budget quite the way you think it is.
First, we’re talking about what happens when you’re trying to get out of debt but you’re still swiping the cards for points, convenience, or because that’s simply how you’ve always managed your money. One client had already consolidated $68,000 in credit card debt and was still using a card because of the rewards. And budget besties… if the points strategy were working, the debt probably wouldn’t be there.
Getting out of debt isn’t only about moving balances around or making bigger payments. It’s about changing the habits that created the cycle in the first place. That means learning to spend the money you actually have, creating a budget you can follow, and getting on the same page with your spouse instead of one person trying to control the entire financial plan.
We also talk about how to have those money conversations without turning your relationship into a parent-child dynamic. Make time for the conversation, ask questions, and then—this is the hard part—stop talking long enough to hear what your spouse actually thinks. You might be surprised by what the two of you can agree on when the conversation isn’t happening five minutes before bed or in the middle of a stressful money moment.
Then we tackle the famous third paycheck. If you’re paid every other week, there are usually two months each year when three paychecks land in the same month. Fun? Yes. Free money? Not exactly.
That month also includes two additional weeks of groceries, gas, spending money, and everyday life. So instead of thinking, “Woohoo, bonus paycheck!” think, “Okay, this is a six-week budget.” Once those extra weeks of spending are covered, then you can intentionally decide what the remaining money should do—fund savings buckets, move a goal forward, or give your budget some breathing room.
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.

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Budget besties, if you’ve ever looked at your bank account and thought, “We make decent money… so why does it always feel like there’s nothing left?” this episode is for you.
Today, we’re talking with Jen, who is ready to stop winging it with her money and finally create a system that gives her some breathing room.
Jen and her husband are bringing in income on different pay schedules, paying bills from multiple accounts, and trying to handle all the random expenses that come with kids and everyday life. Dance competitions, new shoes, medical appointments, a broken refrigerator — you know, all those “surprise” expenses that somehow keep showing up.
Her biggest goal? Getting a dedicated bills account working so she can know, without constantly checking and stressing, that the bills are covered.
And the biggest shift we make in this episode is simple: instead of transferring money INTO the bills account whenever bills need to be paid, let all of the income land there first. Then transfer OUT only the amount available for spending.
That one change can create so much clarity.
We also talk about why getting ahead financially doesn’t necessarily mean magically finding an entire extra month of income overnight. For Jen, getting her system organized and using the paycheck she receives at the end of the month for the upcoming month can start creating that buffer naturally.
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.

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Curious? Take The Free Money Stress Quiz!
Ready? Buy Our Simplified Budget System Now!
Budget besties, if you make good money but still find yourself waiting for the next paycheck to pay a bill, buy groceries, or breathe again… this episode is for you.
Living paycheck to paycheck isn’t always an income problem. Sometimes it’s a money organization problem.
In this episode, we’re breaking down the common traps that keep high earners stuck in the paycheck-to-paycheck cycle — including keeping all your money in one account, thinking paycheck-by-paycheck instead of monthly, letting lifestyle creep eat every raise, and relying on credit cards as a “budget.”
Spoiler alert: your credit card is not a budget. 😬
We’ll also show you the system we use with our financial coaching clients to create more clarity and breathing room with their money. That includes looking back at the last 90 days, setting goals you actually care about, creating a monthly budget, separating bills from spending, setting up a consistent paycheck plan, and eventually getting one paycheck ahead.
Because the goal isn’t to spend your whole life asking, “When do we get paid again?”
The goal is for payday to become almost boring because your bills, spending, and savings already have a plan.
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.