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:

139 | 7 Reasons You Are Living Paycheck to Paycheck (And Tips To End The Cycle) Sep 15, 2023

Show notes

Snag Our Simplified Budget System!

In today’s episode, we’re unpacking why so many people stay stuck in the paycheck-to-paycheck cycle.

1. Focusing on Paychecks, Not the Monthly Picture

🤔 Thinking paycheck to paycheck ignores your actual monthly expenses.
📅 Look at your full monthly income to create consistency—especially for must-haves like gas and groceries.
🔄 Ditch assigning different jobs to each check and look at the big picture.
🧐 You might be surprised how much you actually bring in when you do this.

2. Spending Without a Plan

💳 Swipe and hope isn’t a plan.
📊 Using your bank balance to guide spending = chaos.
😩 Don’t let past failed budgets stop you.
💪 Month 3 or 4 is when it starts to click—keep going.

3. Waiting for the Perfect Moment

⏰ Life will never be “just right.” Start now.
✨ Budgeting through the chaos builds resilience.

4. Lacking Big Goals

🌠 No goals? No motivation.
💭 A strong “why” keeps you from impulse spending.
🏖️ Dream big—vacations, debt freedom, retirement.

5. Staying in Your Comfort Zone

😌 Comfort = stuck.
🌐 Stretch beyond old money habits.
👩‍🚀 Growth starts where comfort ends.

6. Lifestyle Creep

📈 More money ≠ more spending.
💰 Save, invest, pay off debt first.
🏡 Skip the comparison trap—focus on your goals.

7. Credit Card Dependency

💳 High-interest debt eats your paycheck.
🔄 Credit cards aren’t a budget—they’re a trap.
💡 Use savings tools that pay you, not cost you.
🎁 Plan big expenses in advance—cash > credit.

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 consider rating and reviewing our show! It helps us to reach more people – just like you – to help them change their financial future. Don’t forget to follow the show so you don’t miss any episodes! And, if you’re feeling really generous, we’d be SO honored if you would share this podcast with someone.

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138 | How They Paid Off $80K In Debt Making $7K / Month: Financial Coaching Case Study Sep 13, 2023

Show notes

Book A Free Financial Coaching Call!

🎉 Financial Transformation Success Story 🎉

Today we are sharing the story about a young couple who, in the midst of career changes, moving across the country and trying to finish college, got on a budget and paid off over $80K in debt in 16 months. We are sharing with you exactly where they started (maybe you can relate), the SPECIFIC and TANGIBLE things they did to make that much progress and where they ended up when they graduated coaching. Listen in to learn how they:

💵 Used cash for spending (even though they didn't want to).
💰 Trimmed expenses by cancelling Costco, 📱 an unused phone line, 📦 clearing out a storage unit, 🚗 refinancing vehicle loan, and 🏡 re-quoting insurance.
🎯 Planned & used bonuses to pay off debt. (Hint hint, part of the debt payoff success story!!!)
💼 Saved Emergency Fund & hid it from their bank account view.
📅 Used our structured Paycheck Plan™, guiding their financial decisions with each pay day.
💡 Established an annual bills account to handle quarterly and annual expenses.
💼 Actively pursued higher-paying job opportunities.
🎉 Celebrated their financial successes along the way. 🥳💰

And so much more!

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137 | 3 Simple Steps to Reset Your Finances During This Busy Season Using Budgets & Cash Sep 11, 2023

Show notes

Snag Our Simplified Budget System!

Why Reset Your Finances

- At various times throughout the year our finances can become overwhelming and messy.

- Setting financial goals is crucial, but without a clear plan, those goals may remain unattainable.

- Instead of taking action, it's easy to become overwhelmed and overcomplicate matters.

- We have three simple steps to help you reset your finances effectively.

Step 1: Have a Budget Meeting

- Budgeting may seem complex, but it doesn't have to be.

- We recommend scheduling a budget meeting once a month, taking just a fraction of your time.

- This meeting serves a dual purpose:

- Analyzing your financial numbers and planning the month ahead.

- Reconnecting with your dreams, goals, and aspirations, reminding you why you're managing your money.

Step 2: Get on a Budget

- Budgets are versatile and adaptable to individual circumstances.

- The primary goal is to assign every dollar a specific purpose, ensuring full control over your finances.

- Initially, the focus should be on adopting a budgeting habit rather than strict restriction.

- As you become accustomed to budgeting, you can fine-tune your allocations and expenditures.

Step 3: Use Cash for One Line Item

- Despite the convenience of cards, using cash can be a game-changer.

- Start by designating cash for one expense category, such as groceries or dining out.

- Cash forces accountability and discipline, preventing overspending.

- This shift in mindset can help you realize that you're not broke but actively managing your finances.

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136 | Facing the Numbers: How to Start Budgeting Even If You're Afraid to Look At Your Money (Get Rid of Anxiety & Stress) Sep 08, 2023

Show notes

Snag Our Simplified Budget System!

In this podcast episode, we address a common concern shared by many when it comes to personal finances - the fear of facing your real financial reality. We acknowledge that it can be daunting to confront your numbers, especially if you're unsure about where you stand financially. However, we are here to provide guidance, offer valuable insights, and help you overcome this anxiety surrounding your finances.

1. Understanding Your Financial Landscape:

We emphasize the importance of understanding your financial situation, especially if you're dealing with financial stress after a significant life event like a divorce. It's crucial to know where you stand regarding income, expenses, assets, and liabilities.

2. The Power of Net Worth:

We introduce the concept of net worth as a powerful tool to assess your financial health. Net worth is calculated by subtracting your liabilities (debts) from your assets (everything you own with value). It provides a snapshot of your financial standing.

3. Signs of Financial Stress:

We discuss common indicators of financial stress, such as excessive debt payments or the inability to save money regularly. If you find yourself spending more on debt than anything else each month, it's a sign that your financial situation needs attention.

4. Taking Control Through Budgeting:

Budgeting is a key step in regaining control of your finances. We encourage you to create a budget that lists your income, expenses, and financial goals. Budgeting allows you to allocate your resources purposefully and avoid overspending.

5. Confronting Your Fears:

We understand that looking at your financial situation can be intimidating, akin to having your head in the sand. However, we emphasize that ignoring financial issues only makes them worse over time. It's essential to confront your financial reality and start the journey toward financial stability.

6. Embrace Your Beginner Status:

We remind you that it's okay to be a beginner in managing your finances. Everyone starts somewhere, and it's crucial to give yourself permission to learn and grow in this area. Financial improvement is possible with consistent effort.

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135 | Business Finances: How to Set Up Your Business So It Can Actually Pay You & Support Your Family's Budget Sep 06, 2023

Show notes

Book A Free Financial Coaching Call!

Do you want to learn how to save and when to spend so that your business can eventually support you one day?

We get it; managing your business finances is crucial, especially if you're starting a small business with a family to support.

1: "No Makey, No Spendy"

We've coined the phrase, "No makey, no spendy." It means you shouldn't spend money on your business until it's consistently making money. This is the #1 mistake peopel make when starting a business so let's talk about how to avoid it. We'll talk about how to be resourceful and frugal in the early stages of your business by using free or low-cost resources.

2: Separating Personal and Business Finances

Let's talk about separating your personal and business finances. It's essential to maintain separate bank accounts for your personal and business finances. Trust us; it leads to better financial organization and more straightforward accounting practices.

3: Implementing the Profit First System

We're introducing you to the Profit First money management system by Mike Michalowicz, and it's a game-changer. You're going to love this system's core principle: income minus profit equals expenses. It ensures you get paid from day one in your business. Grab his book here: Profit First by Mike Michalowicz

4: Setting a Business Budget

Now, let's talk about setting a budget for your business. We can't stress this enough; it's crucial. You'll want to include both monthly and annual expenses. We'll guide you through determining what expenses are essential for your business's survival in its early stages.

5: Growing at the Speed of Cash

When it comes to business growth, we want you to grow at the speed of cash. Avoid unnecessary investments and expenses. As your income increases, make sure your financial decisions are deliberate and well-planned.

We're here to help! If you've got any questions about business finances, reach out to us. We're always ready to assist.Learn More About The ONLY Business Bank We Recommend! (Inspired by the Profit First System)

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134 | Budgeting: The Basics and How to Master It, even With a Family and as a Mom Sep 04, 2023

Show notes

Snag Our Simplified Budget System!

In this special episode, we're merging the best of two worlds: practical budgeting tips and a mindset shift to embrace financial freedom.

Setting the Financial Foundation

Creating a budget can be like mapping out your financial adventure. In this segment, we're discussing how to start without the scary budgeting jargon.
We're here to tell you that budgeting isn't a daunting task. It's like creating a roadmap for your money. They suggest beginning by listing your income and expenses, including a personal spending category. Yes, treating yourself is part of the plan!

Prioritizing and Ground Rules

Now, it's time to dive into prioritizing your spending and setting some ground rules.
We emphasize the importance of balancing expenses. Kids are wonderful, but they shouldn't dominate your finances. Create a kid's budget and stick to it. This way, you can avoid guilt and teach your children responsible money management.

Mindset Shift and Removing Temptations

Our third segment explores the power of shifting your mindset and dealing with financial temptations.
We discuss shifting your mindset from scarcity to abundance. Your finances are a tool to enhance your life, not a burden. And those tempting Amazon accounts? Consider separating them or using separate accounts for bills and spending to regain control.

Tithing and Mastering the Art of Budgeting

Why a budget is your financial anchor.
The role of tithing and charitable giving in your financial plan.
The significance of dedicating a portion of your income to tithing and giving back.
How to incorporate tithing into your budget while ensuring your financial goals remain attainable and enjoyable.

Overcoming Financial Anxiety

Confronting the anxiety often associated with financial management.
The empowerment of assessing your financial situation.
Strategies for eliminating those tempting, one click shopping options.
Techniques for making informed, confident spending decisions.

Balancing Family Finances

Navigating the "mom guilt" conundrum and achieving a harmonious equilibrium.
The pivotal role of setting a budget to cater to both family needs, personal desires, and charitable commitments.
Tips for fostering open and honest money conversations with your spouse.
Teaching your children valuable financial lessons that will serve them throughout life.

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133 | The One Thing You Need To Do To Make Budgeting Simple & Easy (The Money Management System You Can Use To Automate Bills, Spending, Saving & Paying Off Debt) Sep 01, 2023

Show notes

Snag Our Simplified Budget System!

Welcome to today's episode where we’re sharing the #1 game-changer that’ll simplify your budget and kick stress to the curb. Seriously—it’s like a budgeting superpower you can start using tomorrow.

It’s Simplicity, Not Complexity

Budgeting doesn’t have to be stressful. If you’re juggling endless transactions and wondering where your money went, we’ve got the fix.

One client tried to send $1,200 to debt every month—on paper—but it never happened. Another was drowning in highlighter colors and pages of transactions. That’s why our system works: it separates your bills from your spending.

Separate and Conquer

Seeing your bills and spending separately brings instant clarity. No more confusing all-in-one accounts that trick you into thinking you have more money than you do.

Automatic Awesomeness

Set up auto-transfers. It’s how your budget moves from intention to action—no stress, no guessing.

Budget Smaller, Live Larger

Breaking things down per paycheck means you always know what’s safe to spend—no guilt over the latte.

Tailor It to You

Start with two accounts: gas/groceries and spending. Want more? Add what works for your lifestyle.

Payday = Bill Day

Your paycheck goes straight into your bills account. Bills? Covered. Spending? Crystal clear.

Make It a Habit

Get into the groove of dividing money as soon as payday hits. Clarity becomes second nature.

So that’s the move—separate, automate, and simplify. Your stress-free budget life starts now.

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132 | Business Besties Episode: Working From Home Challenges, Kids Sports and Business Partnerships! Aug 30, 2023

Show notes

Snag Our Simplified Budget System!

🎙️ Podcast Show Notes - Business Besties Unleashed!

🎉 Welcome back to another exciting episode of Business Besties!

🤝 In this fantastic second installment, we're diving deep into the enigma of business partnerships. You know, the ones people say are a big no-no? But wait, we're here to break that stereotype and spill the tea on our journey as fierce business besties. 🍵

🤔 Because let's face it, folks, finding a business partner can be as elusive as the last piece of chocolate cake at a dessert buffet. Everyone says you shouldn't mix friendship and business, but hey, we're rebels with a cause, and we're here to debunk those myths!

😂 And guess what? Our experiences have been like whirlwind roller coasters, but we've discovered that having each other makes it an epic adventure filled with laughs, love, and loads of learning moments.

🙌 Personal Highs: As the back-to-school bells ring and the chaos of vacation ends, we're celebrating the joy of being at our kids' sports games. Go team! 🏆 Watching them grow, seeing their determination, and supporting them is pure magic.

👎 Personal Lows: While we'd love to pretend we're superheroes, we confess that dealing with non-stop bustling households while trying to conquer the business world can be... well, exhausting. We're just thankful our freezers are clean from eating all those leftovers!

🤣 Funny Question: Got a favorite movie or TV show you can rewatch infinitely? For us, it's all about 'Friends'! We've seen it so much that we practically predict Ross's next pivot with our eyes closed. 🛋️

🎬 So, that's a wrap for this monthly catch-up, peeps! We'll be back soon with more business wisdom, laughter, and a sprinkle of quirkiness. Until then, keep hustling, stay bold, and remember, you're not alone in this crazy entrepreneur journey! 🚀

🎧 Stay tuned for more empowering episodes that bring you business insights, motivation, and camaraderie. Keep hustling, Business Besties! 🌟

Learn More About The ONLY Business Bank We Recommend!

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131 | Make Your September Budget With Us: Plan Your Monthly Budget, Savings & Debt Pay Off With Our Help & Tips Aug 28, 2023

Show notes

Snag Our Simplified Budget System!

It's that time again! A new month, new budget!! We're talking:

How to Wrap Up August

Before focusing on September, take the time to wrap up August's budget.
Finalize your numbers and compare what you budgeted to what you actually spent.
This process helps you learn and make better budgeting decisions going forward.
Don't be too hard on yourself; it's about learning and improving, not aiming for perfection.

Check Your Income & Expense Changes

Transitioning from August to September might bring changes in income and expenses.
Update your budget to reflect any alterations in income sources.
Review the changes in expenses, such as the end of summer camps or vacation spending.
Consider adjusting childcare expenses and sports-related costs.

What Do You Need To Save For?

Establish sinking funds for expenses that occur annually, such as homeschooling fees or insurance premiums.
Divide the total amount needed by 12 and save that amount monthly to avoid financial strain when the bill comes due.
Review annual subscriptions, such as Disney+ or Amazon Prime, and plan accordingly.

Setting Money Goals for September

September should have specific goals and you need to put them in your budget. Set financial goals for September and integrate them into your budget.
Prioritize saving money or paying off debt based on your specific financial objectives.
Aim to pay yourself or pay off debt ON PAYDAY to maintain accountability and consistency.

Fun Wins Our Clients Are Having That You Can Have Too:

Consider using cash for certain budget categories to enhance discipline and money management.
Use envelopes to allocate funds for different spending categories, like restaurants or childcare.
Name your accounts strategically to avoid accidentally spending designated funds.
Understand that the process of building savings and reaching financial goals is a journey.
Embrace the idea of being the type of person who has money and let your savings grow.
Be patient with yourself as you learn to prioritize saving and stop impulse spending.

Put it into Practice

Schedule the dates for transferring money into various accounts, either manually or automatically.
Plan ATM visits to withdraw cash for specific budget categories.

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130 | Mastering Budgeting and Dave Ramsey Tips for Families ft. Momma Has Goals & Kelsey Smith Aug 25, 2023

Show notes

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Welcome to the Budget Besties Podcast! Today, our hosts join the “Momma Has Goals” podcast. They discuss several tips and tricks learned in their financial journey.