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

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

***TOP 1% MONEY & FINANCIAL SUPPORT PODCAST***

Do you make good money but have nothing to show for it? Tired of using your bank account & credit card balances as your budget? Want to get debt-free but don’t want to sacrifice everything to do it? Ready to save money and build generational wealth?

You’re in the right place!

We’re telling you exactly how to budget, pay off debt, save money & stop living paycheck to paycheck.

We’re Shana & Vanessa: BFFs, business partners & Dave Ramsey Solutions Master Financial Coaches (and unofficial marriage counselors). We’re glad you’re here.

Latest Episodes:

How to Stop Living Paycheck to Paycheck with Separate Bank Accounts | 466 Sep 29, 2025

Show notes

Curious? Start Here for Free!

Check out our Stress Free Bills Mini Class!

Ready? Buy Our Simplified Budget System Now!

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.

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

Make Your October Budget with Us: A Step-by-Step Monthly Plan For Your Money | 465 Sep 26, 2025

Show notes

Snag Our Simplified Budget System!

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.

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

3 Budget Mistakes Keeping You Stuck, Even When You Make Good Money | 464 Sep 24, 2025

Show notes

Curious? Start Here for Free!

Ready? Buy Our Simplified Budget System Now!

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.

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

Simple Budget System: Stop Tracking Every Expense and Make Budgeting Easier | 463 Sep 22, 2025

Show notes

Curious? Start Here for Free!

Ready? Buy Our Simplified Budget System Now!

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.

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

Combining Finances After 14 Years: The Budget System That Changed Everything | 462 Sep 19, 2025

Show notes

Curious? Start Here for Free!

Ready? Buy Our Simplified Budget System Now!

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 🐴🦌).

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 When Your Income Changes Every Month | 461 Sep 17, 2025

Show notes

Curious? Start Here for Free!

Ready? Buy Our Simplified Budget System Now!

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.

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

Why Most Women Quit Budgeting, And How to Finally Stick With It | 460 Sep 15, 2025

Show notes

Curious? Start Here for Free!

Ready? Buy Our Simplified Budget System Now!

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 our Dream Again Worksheet

Check out Luke & Tina's Episode #79

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 When Every Paycheck Is Different | 459 Sep 12, 2025

Show notes

Curious? Start Here for Free!

Ready? Buy Our Simplified Budget System Now!

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.

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

Stop Tracking Every Expense: The Budget System Busy Women Actually Need | Reair: Bold Faith, Bold Business with Judy Weber | 458 (Reair) Sep 10, 2025

Show notes

Curious? Start Here for Free!

Ready? Buy Our Simplified Budget System Now!

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.

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

A Step-by-Step, Automatic Budget System That Allows You To Be Bougie On A Budget: The Budget Besties® Method | 457 Sep 08, 2025

Show notes

Curious? Start Here for Free!

Ready? Buy Our Simplified Budget System Now!

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.

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