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    Education

    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.

    Advertise

    Copyright: © Vanessa and Shana | Budget Besties | Bougie On A Budget | Dave Ramsey Fans

    • Apple Podcasts
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    Latest Episodes:
    Big Dreams, Small Paychecks: Building a Life That Still Works | 426 Jun 27, 2025
    Show notes

    Curious? Start Here for Free!

    Ready? Buy Our Simplified Budget System Now!

    In this heartfelt and relatable episode, we sit down with Angie—a teacher, wife to a social worker, and mom of three—who’s doing all the right things but still feels stuck in that “never quite enough” money zone. Sound familiar?

    Angie and her husband don’t have debt (other than their mortgage 💪), are a paycheck ahead, and have even built an emergency fund over time. But with rising costs and the pressure of living in a high-income school district, she’s feeling overwhelmed and unsure about how to plan for future expenses like vacations, home repairs, or even a new minivan—without falling back into debt.

    Here’s what we unpack in this episode:

    1. 👩‍🏫 Why income isn’t everything—and how teachers and social workers are more financially powerful than they think
    2. 💡 The difference between budgeting and tracking (Spoiler alert: your app may not be helping you!)
    3. 💸 How to use a one-page budget to finally see where your money’s going—and where it could be going instead
    4. 🏦 The power of savings buckets and how to slowly build them (yes, even with a tight income!)
    5. 💬 Why it’s okay to tell your kids “no”—and how to shift the conversation toward financial empowerment for the whole family
    6. 🛍️ Practical tips on separating bills from spending, opening multiple checking accounts, and giving every dollar a job

    Angie’s story is full of small wins, real talk, and major encouragement. If you’ve ever felt like you're doing everything right but still can’t seem to get ahead, this episode is for you. We’re diving into strategies that bring financial peace—without changing careers or giving up your latte (unless you want to 😉).

    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 One Small Shift Helped This Family Manage $12K a Month with Peace | 425 Jun 25, 2025
    Show notes

    Snag Our Simplified Budget System!

    Hey budget besties! ✨

    Today, we're getting real about something we keep coming back to — the chaos that comes from having one big savings account and no plan for that money. You know we’ve seen it again and again: a client dumps extra cash into a single account and says, “I’ll just pull from it when I need to.” And spoiler alert — that never ends well.

    In this episode, Shana and Vanessa break down why having separate, labeled bank accounts is a game-changer. Whether it’s Christmas, travel, home repairs, or annual bills — your money should have a purpose, not just chill in a “someday” pile that slowly disappears.

    We talk:

    1. 💸 Why Ally buckets (and similar tools) aren’t always as simple as they seem

    2. 🏦 How traditional banks (and even people in your life) might push back on having multiple accounts

    3. 🧠 Why friction is good when it keeps you from stealing from your future self

    4. 💬 And the power of showing your partner the numbers — not just telling them


    Vanessa shares a story about a client whose partner wanted their family of five to live on $10K/month, even though $12K wasn’t cutting it. The big "aha moment"? Printing the budget and asking: “Okay, YOU show me what to cut.” Sometimes the clarity comes when everyone sees the full picture — and it leads to better teamwork (and less stress on just one person’s shoulders).

    Whether you're team “spread it out” or still clinging to one savings pile, this episode is here to lovingly challenge you: give every dollar a job, and let your bank accounts work for you.


    Connect With Us:

    1️⃣ Facebook Group – Join the community. Our free group is where the real talk happens. Connect with other women who are learning how to budget, save, and finally feel in control, together. ➡︎ budgetbesties.com/facebook


    2️⃣ Automate Your Budget Masterclass – Watch it now, no waiting. This FREE on-demand training shows you how to set up a budget that matches your lifestyle, without tracking every dollar or feeling restricted. ➡︎ budgetbesties.com/automate


    3️⃣ Budget – Grab our Simplified Budget System! You don’t need another budget, you need a system that does the math, makes the plan, and gives you permission to spend. ➡︎ budgetbesties.com/budget


    4️⃣ Private 1-on-1 Coaching – Get a plan and a coach. We’ll build your full budget system together, so you always know what to do and feel confident doing it. ➡︎ budgetbesties.com/coaching


    5️⃣ Be on the Podcast – Free coaching, real convo. Come chat with us on the show! Get real-time financial coaching and help other women by sharing your story. ➡︎ budgetbesties.com/livecall


    "I love Shana & Vanessa and this podcast is amazing!" 👈🏻 If that sounds like you… ✨ Please take a second to rate & review the show! It helps us reach more people—just like you—who are ready to change their financial future. 🔔 Don’t forget to follow so you never miss an episode! 💌 And if you're feeling extra generous, share this podcast with a friend who needs it. We’d be so honored. 🙌


    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!


    How to Talk to Your Spouse About Budgeting: Without Nagging, Fighting, or Feeling Alone | The #1 Mistake Women Make When Their Partner Isn’t Involved in the Budget | 424 Jun 23, 2025
    Show notes

    Snag Our Simplified Budget System!


    If you’re the one handling the bills, making the spreadsheets, remembering all the passwords (and maybe even doing coaching solo), while your spouse is more hands-off — we see you. And we’ve got your back.

    This episode is all about getting your partner on the same financial page without nagging, begging, or feeling like you’re carrying the weight of your family’s money goals alone. Spoiler alert: you don’t have to do it all by yourself. 💛

    We’re sharing:

    1. Why sharing the numbers (literally printing the budget out!) can change everything

    2. How to approach these convos without sounding like a tiny barking chihuahua 🐶

    3. What to say (and how to say it) when you want to include your spouse in big money decisions

    4. Real client stories that show how shifting your approach leads to huge mindset shifts

    5. The power of scheduling budget talks on purpose — not yelling numbers across the kitchen

    6. The secret weapon: framing budget convos around dreams instead of doom


    ✨ Whether your spouse is deep in the spreadsheets or couldn't care less about interest rates, this episode is full of tips that help you work together — without turning into the budget police.

    Connect With Us:

    1️⃣ Facebook Group – Join the community. Our free group is where the real talk happens. Connect with other women who are learning how to budget, save, and finally feel in control, together. ➡︎ budgetbesties.com/facebook


    2️⃣ Automate Your Budget Masterclass – Watch it now, no waiting. This FREE on-demand training shows you how to set up a budget that matches your lifestyle, without tracking every dollar or feeling restricted. ➡︎ budgetbesties.com/automate


    3️⃣ Budget – Grab our Simplified Budget System! You don’t need another budget, you need a system that does the math, makes the plan, and gives you permission to spend. ➡︎ budgetbesties.com/budget


    4️⃣ Private 1-on-1 Coaching – Get a plan and a coach. We’ll build your full budget system together, so you always know what to do and feel confident doing it. ➡︎ budgetbesties.com/coaching


    5️⃣ Be on the Podcast – Free coaching, real convo. Come chat with us on the show! Get real-time financial coaching and help other women by sharing your story. ➡︎ budgetbesties.com/livecall


    "I love Shana & Vanessa and this podcast is amazing!" 👈🏻 If that sounds like you… ✨ Please take a second to rate & review the show! It helps us reach more people—just like you—who are ready to change their financial future. 🔔 Don’t forget to follow so you never miss an episode! 💌 And if you're feeling extra generous, share this podcast with a friend who needs it. We’d be so honored. 🙌


    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!


    Budgeting Without the Guilt: Lattes, Disney, and a Fully Funded Life | 423 Jun 20, 2025
    Show notes

    Curious? Start Here for Free!

    Ready? Buy Our Simplified Budget System Now!

    In this feel-good episode, we’re joined by the fabulous Amanda—a fellow budget bestie who went from feeling stuck and paycheck-to-paycheck despite earning more than ever to building a system that brings her peace, control, and yes… a travel fund just for Disney trips. 🏰✈️

    Amanda shares how our Simplified Budget System helped her ditch the constant tracking, make confident money decisions, and even name her new financial vibe: “The Bank of Amanda.” 💸 She’s living proof that you can pay off over $24,000 of debt and still buy lattes, go on cruises, and keep your nails done—without guilt or confusion.

    Whether you’ve tried to DIY a budget in Google Sheets (👋 us too), or you’ve been overwhelmed with apps that just beep at you all day, Amanda’s story is a breath of fresh air. She’s proof that a clear plan, a few bank accounts, and trusting the process can completely change the way we relate to money.

    What We Talk About:

    1. Why tracking isn’t the same as budgeting (and why you don’t have to do it forever)
    2. Amanda’s moment of clarity while out on a podcast walk
    3. The power of separating your spending (yes, even groceries!) 💳
    4. Setting up automatic transfers that make your budget run itself
    5. The joy of pocket money and planning for fun things—on purpose
    6. How financial systems can actually heal your relationship with money
    7. Paying off nearly $25K in debt while still living your life

    Budget Bestie Takeaways:

    1. Budgeting doesn’t have to feel like punishment
    2. Automating your money gives you freedom, not restriction
    3. You can be your own bank (hello, “Bank of Amanda!”)
    4. There’s no one-size-fits-all—just the right system to fit you
    5. You deserve clarity, ease, and spending money for you

    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 This Couple Paid Off $51K in Debt—After Cutting Their Income in Half | 422 Jun 18, 2025
    Show notes

    Curious? Start Here for Free!

    Ready? Buy Our Simplified Budget System Now!

    How do you make $18,000 a month and still feel broke? For this couple, it wasn’t about how much they were earning — it was about what they were doing with their money (or not doing). Before coaching, they were stuck in what we lovingly call “money magic” mode: overspending from one big Bills account, moving money around with Cash App and Facebook Pay, and juggling 24 debts with no real system. 🙈

    The good news? They turned it ALL around — and paid off $51,000 in debt in under a year, even after their income was cut in half. 😲👏

    In this episode, we’re breaking down:

    1. The difference between a budget and a system (hint: this couple didn’t need another spreadsheet)
    2. What “money magic” looks like — and why it keeps you stuck
    3. How separating accounts (yes, even a date night one 💕) helped them finally make progress
    4. The power of automation — paycheck transfers, bill payments, and savings goals on autopilot
    5. Why they sold a car, asked for raises, and started side hustles (without sacrificing date night!)

    From Cash App chaos to debt-free clarity, this is a transformation that’ll inspire you to stop feeling like your income is slipping through your fingers — and start building a plan that actually works for your real life.

    🎧 Listen in to hear how they did it — and how you can start making progress, no matter where you’re starting.

    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


    Tracking Every Dollar Isn’t Budgeting — Here’s What Actually Works | 421 Jun 16, 2025
    Show notes

    Curious? Start Here for Free!

    Ready? Buy Our Simplified Budget System Now!

    Hey budget besties! 💸

    We know, we know — tracking your spending feels like the "responsible" thing to do. You've got the apps, the spreadsheets, the color-coded categories. But if you're still feeling broke and behind… something’s not working.

    Here’s the truth: tracking is not budgeting. It’s accounting. (Yep, we said it.) And unless you're one of those magical humans who loves being an accountant — we see you and salute you — then chances are, this method is stressing you out and keeping you stuck.

    In this episode, we break down:

    1. Why tracking your expenses is reactive and not helping you plan ahead
    2. The real difference between accounting and budgeting
    3. How to stop tracking everything and start telling your money where to go — before it even hits your account
    4. The power of separate bank accounts for bills, spending, gas, groceries, restaurants, and more
    5. What it looks like to assign money with intention, not shame
    6. Real-life examples of how to make this system work with $400 weekly, $300 monthly — whatever your situation is!

    We’ll also share how our Simplified Budget System helps you ditch the spreadsheet guilt and finally get ahead, all without becoming a human calculator.

    ✨ Imagine this: you open your bank account and instantly know how much you can spend — no mental math, no receipts, no surprises. Just freedom.

    So if you’re still tracking and still stuck, this episode is for you. Let's make your budget actually work — without the overwhelm.

    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 Busy Moms Can Create a Personal Finance System That Actually Works | 420 Jun 13, 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 fave convos and bringing it back—this time from our guest appearance on It’s About Time with our girl Anna Dearmon Kornick! 💁‍♀️✨ If managing money has ever made you feel overwhelmed, behind, or straight-up avoidant...you are SO not alone. This episode is your friendly permission slip to stop the shame spiral and finally create a system that works for you.

    Whether you’re the family CFO, the chef, the chauffeur, or all of the above (because same), this one's for you. 👏

    Here’s What We’re Digging Into:

    1. 💡 Why a flexible financial system is the key to long-term sanity
    2. 💵 Our 5-part budget structure that keeps everything organized (and stress-free)
    3. 🏦 How multiple accounts + automation can change the game
    4. 📲 Why tracking apps are overrated (yep, we said it)
    5. 💳 What to do first when paying off debt—and why it goes at the top
    6. 🛍 How to make room for guilt-free spending, even if you're paying down debt
    7. 🧠 The mindset shift that takes you from “I’m bad with money” to “I’ve got this!”

    You’ll also hear us geek out on how we built this method around real life (and how it’s surprisingly similar to Profit First, for our biz-owner besties out there!). 🙌

    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 Build a Personal Brand That Attracts Clients, Grows Your Business, and Reflects Your Purpose — with Reshia Lea from Brand Builders Group | 419 Jun 11, 2025
    Show notes

    Get Your FREE Copy of the Wealthy & Well Known Audiobook!

    Book a Free Brand Strategy Call!

    If you're an entrepreneur, coach, or service provider trying to grow your business online, but your message isn’t connecting—or you’re not attracting the right clients—this episode will show you exactly why your brand might be the missing piece.

    We’re joined by Reshia, our personal brand strategist at Brand Builders Group (BBG)—the coaching company that has helped top thought leaders like Lewis Howes, Amy Porterfield, and now, us. 🙋🏽‍♀️🙋🏼‍♀️

    In this episode, we break down:

    • ✅ What a personal brand actually is (it’s not just your logo or website)

    • ✅ How to clarify your message so it speaks directly to the people you’re meant to serve

    • ✅ The exact BBG framework that helped us get focused and grow our financial coaching business

    • ✅ How to position your brand if you want to write a book, speak, launch a course, or scale your services

    • ✅ Why a personal brand rooted in service will unlock growth, revenue, and long-term impact


    This conversation is especially for women who:

    • Are building coaching, consulting, or service-based businesses

    • Feel unclear about their messaging or online presence

    • Want to move from “doing all the things” to doing the right things

    • Are ready to stop winging it and start building a brand with intention and clarity


    👀 BONUS: We also talk about what it’s like to finally feel seen in a room full of high-achieving women—and why the BBG process is different from other coaching programs we’ve tried (and paid big money for).

    ✨ If you’ve ever thought, “I know I’m meant for more, but I don’t know how to pull it all together,” this episode is for you.

    Grab the free audiobook of the Brand Builders Group book before July 1st. It outlines the exact step-by-step framework that helped us grow a brand we’re proud of.

    • How to build a personal brand

    • Branding for women entrepreneurs

    • Personal branding for coaches

    • Brand Builders Group review

    • Coaching business strategy

    • Brand clarity for service providers

    • How to attract clients with your brand

    • Build a brand that reflects your values

    • Personal brand strategist for women

    • Brand messaging for coaches

    • Entrepreneur branding tips

    • Female entrepreneur podcast


    Connect With Us:

    1️⃣ Facebook Group – Join the community. Our free group is where the real talk happens. Connect with other women who are learning how to budget, save, and finally feel in control, together. ➡︎ budgetbesties.com/facebook

    2️⃣ Automate Your Budget Masterclass – Watch it now, no waiting. This FREE on-demand training shows you how to set up a budget that matches your lifestyle, without tracking every dollar or feeling restricted. ➡︎ budgetbesties.com/automate

    3️⃣ Budget – Grab our Simplified Budget System! You don’t need another budget, you need a system that does the math, makes the plan, and gives you permission to spend. ➡︎ budgetbesties.com/budget

    4️⃣ Private 1-on-1 Coaching – Get a plan and a coach. We’ll build your full budget system together, so you always know what to do and feel confident doing it. ➡︎ budgetbesties.com/coaching

    5️⃣ Be on the Podcast – Free coaching, real convo. Come chat with us on the show! Get real-time financial coaching and help other women by sharing your story. ➡︎ budgetbesties.com/livecall


    "I love Shana & Vanessa and this podcast is amazing!" 👈🏻 If that sounds like you… ✨ Please take a second to rate & review the show! It helps us reach more people—just like you—who are ready to change their financial future. 🔔 Don’t forget to follow so you never miss an episode! 💌 And if you're feeling extra generous, share this podcast with a friend who needs it. We’d be so honored. 🙌

    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!


    5 Personal Finance Tips for 2025 | How We Automate Bills, Spending & Investing | 418 Jun 09, 2025
    Show notes

    Curious? Start Here for Free!

    Ready? Buy Our Simplified Budget System Now!

    Budget Besties, it’s time to break up with guess-and-hope budgeting. 👋🏼💸 If you’re still manually moving money around every payday, chances are you’re wasting time, energy and accidentally overspending.

    In this episode, Shana and Vanessa walk you through the five key budget automations they personally use—and that have helped thousands of clients finally take control of their money without overthinking it every. single. week.

    We’re talkin’:

    1. Automating Your Bills – One dedicated account. All your bills. Set it and forget it.
    2. Automating Your Investments – Treat your future like a non-negotiable bill.
    3. Automating Your Savings Buckets – Christmas? Car maintenance? That summer trip? It’s all covered.
    4. Automating Gas + Groceries – Never panic at the pump or stretch pantry meals 'til payday again.
    5. Automating Your Personal Spending – A little joy-money that’s just for you—no guilt, no questions asked.

    We break down exactly why this system works and how to set it up in a way that takes you out of the equation (a.k.a. fewer mistakes, more peace of mind).

    ✨ Whether you're brand new to budgeting or ready to upgrade your old system, this episode will have you rethinking how you handle your money—in the best way.

    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


    I Make Good Money and Have Nothing to Show for It: A Single Mom’s Wake-Up Call to Take Back Control of Her Budget and Start Feeling Financially Safe | 417 Jun 06, 2025
    Show notes

    Curious? Start Here for Free!

    Ready? Buy Our Simplified Budget System Now!

    Budget besties, we’ve got a relatable one for you today! Meet Nicole—a clinical psychologist, single mom of two, and a total powerhouse who’s doing the work to get financially organized. She joined us to share what it’s like starting out with budgeting (spoiler alert: it’s not perfect right away), how she discovered she was actually spending four times more on her cats than she thought, and what she’s doing with a $5,000 windfall. 💰🐈‍⬛

    We break down the big stuff—from student loans that feel like a mountain to climb, to that confusing moment when you realize Amazon might be eating your entire budget. Nicole had smart, honest questions about setting up savings buckets, managing multiple bank accounts, and figuring out how to prep for expenses before they sneak up on you.

    Together, we dig into:

    1. The emotional side of budgeting when you're used to flying blind
    2. What to do with unexpected money (hello, baller pad emergency fund!)
    3. Why savings accounts should feel like labeled file folders, not financial overwhelm
    4. How many cards you actually need (hint: two)
    5. Where to draw the line between groceries, household supplies, and “fun” Amazon orders
    6. Making peace with student loans you can’t pay off tomorrow

    This episode is packed with practical tips, reassurance for messy first drafts, and real-life strategies for managing money without judgment. If you’ve ever said, “I make good money but don’t know where it goes,” this one’s for you.

    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


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