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

Latest Episodes:

The Step-by-Step System for Budgeting When Your Paychecks Change Every Month | 396 Apr 18, 2025

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Hey, budget besties! 💖 Today we’re chatting with Andrea, who's right in the middle of a BIG life transition — new marriage, three kids headed to Brazil for a year (!), and full-time camper living while her husband travels for work as a union electrician. 🚐✨

Andrea’s done all the things — tried The Budget Mom, dabbled in Dave Ramsey — but sticking to a budget? THAT’S the struggle. Especially now with a fluctuating income and a whole new way of life.

We walk Andrea through how to set up a money system that works for real life — not just the life you plan in pretty colors and fancy spreadsheets. 🎨📊 Here's what we tackled:

How to budget on an inconsistent income without the chaos.
Why separate bank accounts (bills, spending, savings!) are your new best friends.
How to automate your money so you can't accidentally mess up (even if life gets messy).
Budgeting off the bare minimum — and using the extra to finally get ahead.
Why you start automation NOW — even if you’re behind on bills.

This conversation is full of real-life feels, practical tips, and lots of encouragement for anyone who's ready to turn a season of transition into a season of financial empowerment. 🌟

We want you to hear this loud and clear: you don’t have to be perfect. You just have to get your system in place and let it work for you — even when life gets wild.

Mentioned in the Episode:

Separate bank accounts for bills, spending, and savings
Budgeting on a baseline income
Blue Collar Millionaire podcast (shoutout to our hardworking besties!)

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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Money Lessons from Real Clients: Emergency Funds, Paycheck Planning, Mom Guilt Breakthroughs & Business Wins | 395 Apr 16, 2025

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Budget Besties, this one’s for everyone who’s ever thought, “Why does it feel like everything is hitting all at once?” 😵‍💫

In this episode, Shana and Vanessa are sharing real stories from coaching clients who are pushing through real life – emergency room visits, broken fingers, college costs, tragic losses, and even tangled-up business budgets. But through it all, we’re celebrating the small (and major) wins, like…

✨ Surviving back-to-back emergencies without going into debt

✨ Paying taxes on time for the first time EVER

✨ Learning how to finally get your paycheck-to-spending transfer right

✨ Changing money mindsets (even when you feel “behind”)

✨ Creating steady income from side hustles – campers, Jeeps, and salon chairs, oh my!

This episode is a warm reminder that if you feel like you’re struggling just to stay on top of your budget—you’re not alone. Life is expensive, but that doesn’t mean you’re doing it wrong.

You’re learning. You’re adjusting. You’re moving forward. 🙌🏽

Whether you're starting over at 50, trying to untangle your biz finances, or figuring out how not to be broke every other week, we’re breaking it all down with compassion and 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

Why Budgeting Apps Aren’t Fixing Your Money Problems and What to Do Instead | 394 Apr 14, 2025

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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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How to Handle IRS Debt, Timeshares and Paycheck Stress | 393 Apr 11, 2025

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Heyyy, budget besties! 🙌

We’ve got a juicy one for y’all today. In this coaching call episode, we chat with the lovely Lindsay, who came to us with alllll the questions we know so many of you are also wrestling with. From IRS debt and credit cards to timeshares and life insurance policies—whew, we cover it all.

Lindsay and her husband are both small biz owners with some financial complexity (hi, inconsistent income 👋), and they’re ready to finally get a plan that works for their real life. And yes, she’s already started creating her spending accounts—claps all around. 🎉

Here's what we cover in this episode:

💸 IRS debt vs. credit card debt—what should come first?
🧾 How to make payments feel doable and stop decision fatigue in its tracks.
🏦 Setting up a holding account to make irregular income feel consistent.
🛑 Why stopping the use of credit is key to long-term progress.
🧠 Understanding what your life insurance is actually doing for you.
🏖️ Timeshares—do we love 'em, hate 'em, or just help you get outta them?
📊 Why business owners need three budgets (yes, three—deep breaths, y’all).

We got into some real talk about why planning your money ahead of time—especially on payday—helps you move forward without the stress spiral. And you know we’re always here to remind you that it's okay to make it work your way. You don’t have to follow every “rule” to the letter to see big changes.

Golden Nugget 💡

“You can’t make progress if you’re constantly stuck in indecision. Pick a plan, stick with it, and give yourself the freedom to tweak it as you go.”

Whether you're juggling business and personal budgets, questioning that life insurance policy you signed up for years ago, or trying to dig out of IRS and credit card debt—you’re not alone. We see you, and we’re cheering you on.

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 Perfect(ish) Chat About Time, Money & Ditching the Holiday Hangover | 392 Apr 09, 2025

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Hey budget besties! 💸 We’re back with a replay of one of our faves—a fun, real, and ridiculously helpful convo with our girl Kali from the Perfect-ish Podcast. We got together to talk about that post-holiday money fog (aka the holiday hangover), and how to kick off 2025 with clarity, confidence, and a budget system that actually works. 🎉

Whether your receipts are still crumpled at the bottom of your purse or you're just ready to break the cycle of starting strong and fizzling out, this episode is packed with simple steps to help you finally feel in control of your time and money—without burnout, shame, or boring spreadsheets. 🙅‍♀️

Let’s talk separate spending accounts (yes, you can have more than one checking account), budgeting that runs automatically, and how to fund your life and your future—with room for coffee dates, family fun, and bougie gifts too. ✨

In this episode, we cover:

Why budgeting feels hard (and how to make it easier)
What a real budgeting system looks like
How to set up your money to manage itself (yes, really!)
The truth about unexpected expenses (spoiler: they’re not that unexpected)
How to create savings buckets for Christmas, car repairs, and the fun stuff too 🎁
Why being bougie on a budget is totally the vibe for 2025

Takeaway? You don’t need to restrict your life to get your money right. You just need a system that matches your lifestyle, your goals, and your values. Let’s do it together, bestie.

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

Digital Cash Stuffing: How to Use Auto Transfers Instead of Cash Envelopes | 391 Apr 07, 2025

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Cash stuffing is cute and all — we see the TikToks too 👀 — and while we do love the intention behind it, we also know a lot of us don’t have time (or the desire) to carry cash everywhere.

In this episode, Shana and Vanessa are breaking down the why behind the popularity of cash stuffing — the visual appeal, the sense of control, the fun little binders (we see you, stationery girlies 💅) — and giving you a level-up version that works for your real life.

✨ Introducing: Digital Cash Stuffing

Yep, same concept, same budgeting structure, but done with your bank app. You’ll learn how to:

Set up multiple bank accounts as your digital envelopes
Rename them (get creative — “Hawaii: I’m going surfing” is fully encouraged)
Use automatic transfers to make it all happen without lifting a finger
Watch your savings grow in real-time — especially in high-yield savings accounts 👏
Keep control of your spending buckets without needing to break a $20

Whether you’re saving for a volleyball tournament, a bougie vacation, or just your weekly groceries — we’ve got you. You can still have the same intentionality, accountability, and fun without the ATM runs.

This is budgeting for your busy, boss-level 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

Healing Your Money Story: How Shan Wright Found Peace Through Faith and Finances | 390 Apr 04, 2025

Show notes

Visit Shan's ⁠Website!⁠

Check out her podcast Holistic Moms!

Curious? Start Here for Free!

Ready? Buy Our Simplified Budget System Now!

Budget besties, you are not ready for the realness and healing in this one! 💸✨ We sat down with their friend Shan Wright, a holistic wellness coach, mama of four, and all-around truth-speaker, to talk about something we all wrestle with at some point: our relationship with the B word… yep, the budget.

Shan takes us through her powerful journey from full-on avoidance and anxiety to experiencing peace and partnership around money. She shares how childhood experiences, emotional baggage, and even spiritual healing shaped the way she saw money—and how she reprogrammed her mindset and rewrote her money story, with faith and accountability leading the way. 🙌

We dive into:

Why “just let your spouse handle it” isn’t the answer (even if they’re good at it!)
The connection between money wounds and anxiety
How reprogramming your brain literally works (hello, science AND scripture!)
The power of speaking truth over your finances—even when it feels like a lie
What it really looks like to do the heart work before the hard work 💛

This is for every bestie who’s ever thought, “I’m just not good with money” or “It’s too late to change.” Spoiler alert: it’s not too late, and you can do this.

🛠️ Two key takeaways:

Dig up the lies you believe about money and where they came from
Start speaking truth—God’s truth—over your finances and your future

✨ Want more Shan? Find her at theshanwright.com, check out her Facebook group for holistic moms, and listen to her podcast, Holistic Moms—she’s the real deal, y’all.

💬 Favorite Quotes:

“When you're letting your spouse handle all the money, it's like letting one parent do all the parenting.”

– Shana

“Obedience precedes the miracle. I didn’t know what would come from healing my finances—but I knew I needed to obey.”

– Shan

“The truth might sound like a lie at first. That’s how you know you're pulling out the old weeds.”

– Shan

📲 Let’s Be Social:

Hey budget besties—has money ever made you anxious? Did anything Shan said hit right where it hurts (in the best way)? DM us, or tag us in your biggest a-ha moments from this episode!

And remember: we don’t have to carry this alone. Financial healing is possible—and it can actually be fun when we do it 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

Busy Mom Budget: How to Simplify, Separate and Automate Your Money | 389 Apr 02, 2025

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Ready? Buy Our Simplified Budget System Now!

Listen, budget besties—we know you want to be good with your money… but you don’t want to track every single transaction like it’s your side hustle. Good news? YOU 👏 DON’T 👏 HAVE 👏 TO.

This episode is your permission slip to let go of complicated budgeting systems that take hours to manage. If you’ve ever said, “I want to get better with my money, but I’m just too busy,” this one’s for you. Whether you’re chasing kids, chasing deadlines, or chasing a volleyball tournament like us (seriously, we’re recording this between matches), we’re breaking down our Set It and Forget It method that actually works—without requiring a spreadsheet obsession or 12 new apps.

This is budgeting made simple, automatic, and dare we say… fun. 🙌

Here’s what we cover in this episode:

💸 Why traditional budgeting feels like a chore (spoiler alert: too many categories and perfectionism pressure)

⏰ Why you don’t need to spend hours tracking expenses to be good with money

🙅‍♀️ The real reason being “busy” shouldn’t stop you from budgeting—and how to work with it, not against it

🧠 How to automate your bills so they literally pay themselves

📥 Why getting one paycheck ahead is the key to autopay success

📲 Using your banking app as your personal assistant (no, really)

💰 Setting up automatic transfers for spending and savings—so you never forget and never fall behind

🛍️ Creating spending accounts that do the tracking for you (bye receipts and budget guilt!)

🧾 Why tracking every single dollar isn’t the flex you think it is—and how simplicity leads to success

✨ Real client wins: From Excel chaos to paying off $50K in debt (with vacations and cash Christmas too!)

Our 3-Step “Set It and Forget It” Budget System:

Automate your bills: One bills account + autopay = brain space saved
Automatically fund spending + savings: Schedule transfers for groceries, gas, and your savings buckets
Use spending accounts instead of tracking: No spreadsheets. Just swipe, check your balance, and go 💅

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 Your April Budget (Without Forgetting the Easter Candy or Summer Camps!) | 388 Mar 31, 2025

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Curious? Start Here for Free!

Ready? Buy Our Simplified Budget System Now!

Budget besties… It’s time. 👏 April is charging in fast and we’re not letting it catch us off guard. In this episode, we’re making your April 2025 budget with you, step by step. Whether this is your first month finally sticking to a budget or you’ve been riding strong all year, we’re walking through every piece of the process—from closing out March to planning paycheck by paycheck.

This isn’t just a checklist—it’s a full-on mindset shift. Because real talk? Even we forget things like Halloween costumes sometimes (it happens!). These episodes are here to jog your memory, bring the energy, and get you feeling clear and confident about your money. 💰✨

Here’s what we walk through together:

✅ How to close out March the right way (and why it's non-negotiable)

✅ What to update: debt balances, minimums, phone bills (hello, surprise hikes)

✅ Setting up your April income and listing only the minimum debt payments

✅ Planning for bills with due dates—mortgage, daycare, Netflix, and everything in between

✅ Getting real about spending categories like gas, groceries, and pocket money

✅ Choosing your savings priorities (yep, summer’s around the corner ☀️)

✅ Month-specific stuff: Easter, birthdays, and even the random “Let’s get a dog!” spring purchases

✅ Using our signature Paycheck Plan to automate and simplify your entire budget

✅ Setting monthly goals that keep your momentum going—whether that’s paying off Chase with your tax refund or finally getting one paycheck ahead

You’ll leave this episode with a full game plan, and the confidence that you’re not missing a thing. So grab your template or open up your notes, hit pause when you need to, and let’s build that budget 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

Paycheck Plan Help: Biweekly Paychecks, Mortgage Confusion and Monthly Bills | 387 Mar 28, 2025

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In this super relatable lightning-round session, Shana and Vanessa walk Kathleen through the budget fog that so many of us have faced—especially when it comes to biweekly paychecks and split mortgage payments. Spoiler: it’s not just you... this stuff gets confusing real fast!

💸 What We Covered:

The truth about biweekly pay & mortgage schedules: Kathleen was struggling to figure out why her budget felt so wonky every month. Some months have two paychecks, some three. Same with her mortgage. That inconsistency? Totally throwing off her budget game.
Why split mortgage payments aren’t always helpful: Even though paying every two weeks sounds like a great strategy to save on interest, the chaos it causes in budgeting can outweigh the benefits. The solution? Switch to a once-a-month mortgage payment to simplify everything.
Budgeting with a plan—not confusion: Shana and Vanessa showed Kathleen how to treat the paycheck she gets at the end of the month as the starting point for the next month’s budget. That January 29th paycheck? That’s February money, baby.
What to do with “extra” paychecks: Yes, you get two “bonus” paychecks a year, but they’re not fully extra. You still gotta eat and drive, so don’t throw it all at debt before covering those basics. But what’s leftover? That’s your debt-slaying snowball. ❄️💥
Mental vs. physical budgeting work: Kathleen’s doing the emotional work (redefining what happiness means, recognizing spending patterns), and now it’s time to match that with a budget that gives her clarity and control. 🙌

🔥 Bestie Takeaways:

You're not bad at math—you're just stuck in a confusing system.
Consistency in your bills = clarity in your budget.
Get on a paycheck-ahead system so you’re planning before the month begins, not scrambling during.
Let’s not rely on “extra” money showing up—we build the plan, we decide when to make those extra payments.
Feeling guilty about spending? Let’s kick that out. Budgeted spending is empowered spending.

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