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:

Lori Paid Off 6 Debts in 1 Month Using a Simple Budget System | 456 Sep 05, 2025

Show notes

Curious? Start Here for Free!

Ready? Buy Our Simplified Budget System Now!

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.”

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 Your Bank Account Keeps Overdrafting Even Though You Make Good Money, And How to Stop It | 455 Sep 03, 2025

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Curious? Start Here for Free!

Ready? Buy Our Simplified Budget System Now!

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.

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

The $3,000/Year Glam Fund: How To Budget For Hair, Nails & Self-Care Without Feeling Guilty | 454 Sep 01, 2025

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Curious? Start Here for Free!

Ready? Buy Our Simplified Budget System Now!

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.

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

Still Using Credit Cards for Everyday Spending? Try This Instead | 453 Aug 29, 2025

Show notes

Curious? Start Here for Free!

Ready? Buy Our Simplified Budget System Now!

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.

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

The Anti-Budget System We Wish Everyone Knew (Money Talk Replay with Skyler Fleming) Aug 27, 2025

Show notes

Curious? Start Here for Free!

Ready? Buy Our Simplified Budget System Now!

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.

Check Out Skyler's Money Talk Podcast

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

Build Your September Budget With Us: Step By Step Monthly Budget Walkthrough | 451 Aug 25, 2025

Show notes

Curious? Start Here for Free!

Ready? Buy Our Simplified Budget System Now!

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.

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

“Budgets Don’t Work” — What Changed Their Financial Mindset After 35 Years of Marriage | 450 Aug 22, 2025

Show notes

Curious? Start Here for Free!

Ready? Buy Our Simplified Budget System Now!

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 Business Eric 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

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

Pay Off Debt or Save Money? Here's What to Do First | 449 Aug 20, 2025

Show notes

Curious? Start Here for Free!

Ready? Buy Our Simplified Budget System Now!

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.

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 Your Budget Keeps Failing—and the Simple System That Helps You Save for Auto Insurance, Property Taxes, Big Bills and Unexpected Expenses | 448 Aug 18, 2025

Show notes

Curious? Start Here for Free!

Ready? Buy Our Simplified Budget System Now!

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.

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

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 Aug 15, 2025

Show notes

Curious? Start Here for Free!

Ready? Buy Our Simplified Budget System Now!

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.

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