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

Latest Episodes:

98 | Smart Summer Planning: Budgeting Tips For A Fun & Memory-Making Summer - Summer Camp, Summer Schedule, Summer Vacation, Free Summer Activities, Kids Summer Routine Jun 12, 2023

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Snag Our Simplified Budget System!

It's SUMMER! We're talking all things summer including budgeting & planning for vacations, camps, activities, lunches and more. Listen to hear all about:

How to plan the summer so you don't feel crazy
How to align your summer activities with family values
How to cast a vision for what your want to your summer to look & feel like
How to avoid making impulsive decisions or over-scheduling
Free activities you can do with the kids to keep them engaged & save money on your budget
How to get your kids involved in the planning process
Budgeting for kids summer activities and kids summer camps
The importance of setting & keeping up a summer routine

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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97 | Can You Afford To Budget For Personal & Professional Growth? Listen To Our Chat W/ Juliana Page To Find Out + Learn To Focus On Faith & Growth Rather Than Staying Stuck In Fear/Your Comfort Zone Jun 09, 2023

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Snag Our Simplified Budget System!

In today's episode, we’re joined by Juliana Page, host of the God’s Vibes podcast, who’s sharing her journey from film production student to Christian Life Coach—and how saying yes to God's plan changed everything.

She’s also breaking down exactly how she budgets for personal and professional development, and why investing in herself has been key to her growth.

In this episode:

🎬 Juliana’s shift from film school to faith-based coaching
💭 Overcoming doubts and ditching society’s timeline
📖 Trusting God’s guidance for growth and clarity
🧠 How coaching helped her discover identity and purpose
💸 Budgeting for growth: how she invests in herself—personally and professionally
🧹 Letting go of what no longer serves to make room for more
🧭 Why mentors and coaches are game changers
🚀 Starting small and reallocating resources to match your priorities

Juliana’s story is real, raw, and packed with truth bombs. If you’ve ever felt called to more but didn’t know where to start—or how to budget for the growth you want—this episode is for you.

Grab your coffee and headphones, and get ready for a conversation full of lightbulb moments and practical wisdom.

Learn more about Juliana:

Courage Co. Community: www.courageco.org

Website: www.julianapage.com

God's Vibes Podcast: https://podcasts.apple.com/us/podcast/gods-vibes-feed-your-spirit-connect-with-god-renew/id1506849521

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96 | Debunking Debt Consolidation & Debt Relief Programs: Take Control of Your Debt Payoff Journey + Step By Step Plan To Deal w/ Creditors & Settlements Jun 07, 2023

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Grab Our DIY Debt Relief Plan Workbook Now!

In this episode, we discuss exactly how the debt consolidation process works and why you don't need to rely on debt relief companies to get out of debt--whether you're behind on credit card payments or not. There are many benefits of taking charge of your own debt payoff journey so listen to learn how to save time and money without the middleman. We debunk common misconceptions and provide practical tips for achieving financial freedom.

In this episode we're:

Introducing the topic of debt consolidation and its popularity
Acknowledging that it's a touchy subject & many people believe it's a better option
Debunking the myth that debt consolidation companies are necessary for debt relief
Sharing a few client experiences with debt consolidation companies and the challenges faced
Exploring the alternative of contacting individual creditors and making payments directly
Discussing the advantages of the debt snowball method and tracking progress personally
Sharing real-life examples of clients who successfully managed their debts without consolidation companies
Reiterating that debt consolidation companies may not have your best interests at heart
Stressing the simplicity and do-ability of handling debt on your own
Encouraging you to take control of their finances and be proactive in debt payoff
Discussing the drawbacks of debt consolidation companies, including lack of urgency and proactive measures
Emphasizing the desire to be a good steward of money and take responsibility for financial mistakes
Encouraging you to own up to their debts and begin the process of tackling them
Explaining that debt consolidation companies don't make debts disappear, and it's better to face and address them directly

Remember, taking control of your debt is possible, and you have the power to make a positive change in your financial situation. Don't let debt consolidation companies dictate your journey – own it and pave your way to a debt-free life!

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95 | How to Plan Summer Vacations on a Budget + Budgeting for Family Vacations Jun 05, 2023

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Snag Our Simplified Budget System!

In this episode we’re breaking down exactly how to plan and pay for family vacations without debt. We’ll show you how to budget for travel, make smart trade-offs, and bring those dream trips within reach—without blowing up your finances.

Key Points:

💬 Real stories: One client saved $3,000 in 6 weeks by breaking it down into weekly hustle goals. Another with six kids used a year-long savings plan to send her oldest on a high school trip.
💡 Count the cost: Most people skip this step—and either under-budget or never go. Flights, hotels, food, transportation, activities, souvenirs—get it on paper!
✨ Budgeting = more memories: Budgeting gives you the power to choose experiences and plan ahead with intention. Set up a vacation savings bucket and start setting aside a little each month.
🗓️ Plan early: Cash-flowing a trip is way less stressful. Build a savings timeline and look for deals on flights, hotels, and experiences.
🔄 Make trade-offs: Cut back temporarily on non-essentials and funnel that money into your vacation fund. Get the whole family involved!
🎉 Prioritize what matters: Focus on shared experiences, not stuff. Research free or low-cost fun at your destination and stretch your dollars.

Bottom line: You can take the trip and stay on budget. With a little planning and a lot of clarity, you can vacation guilt-free—without relying on credit cards or sacrificing your bigger financial goals.

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94 | Do You Want To Help Your Student Graduate College Debt Free? We're Diving Into Student Loans, Financial Aid, Scholarships, Community College + Paying For College As You Go + Paying Out Of Pocket Jun 02, 2023

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Snag Our Simplified Budget System!

Listen to this episode before you let your child apply for student loans! This episode is PACKED of ideas and tips to get your degree without borrowing money or going into debt. Kara Walker joins us to tell us how she went got her degree and didn't borrow a dime. If you're a parent, you want to hear this story. If you're a student, you want to hear this story. Kara talks about:

How she got 6 credit hours for $100
How she got her associate's degree for $1200 total
How she found unique scholarships as she went through her college journey
How to get a scholarship even after the deadline passes
How your GPA in college doesn't matter if you transfer schools
How you can get scholarships starting in middle school!
What's available for "independent students" at the age of 24

And so much more!

Connect with Kara:

Money and Mental Peace Podcast: She helps students find God's plan for college & graduating loan and debt free!

Book a scholarship strategy call with Kara.

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93 | Make Your Budget With Us: Our 7 Step Process To Create A Zero-Based Budget - Part 7 - Bank Tips, Automatic Transfers, Saving Money, Emergency Fund, Paycheck Plans & Paying Off Debt May 31, 2023

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Snag Our Simplified Budget System!

Today we're talking advanced budgeting tips you can implement after you've got your budget started. We're covering what banks to use, how to use your bank accounts to manage your money, how to automatically save money, where your emergency fund should be parked, what to do every payday and how/when to pay off extra debt using your budget.

Listen in if you want to be a good steward of your money and if you're looking for peace in your finances. We're giving you a few tips to improve communication in marriage so you can stop fighting and arguing about money and set & reach those couple goals instead! We're giving you the tips you need to simplify your budget and make it easy to implement!

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92 | Make Your Budget With Us: Our 7 Step Process To Create A Zero-Based Budget - Part 6 - Communication, Budget Meetings + Money Habits As A Team May 29, 2023

Show notes

Snag Our Simplified Budget System!

Today we're diving deep into the world of combining finances when you say, "I do." In this episode, we'll explore the importance of communication in building stronger money habits together. Picture two individuals, each with their own unique money upbringing, coming together to blend their financial flavors. It can be a delicious recipe for success, but it can also present challenges. We'll share real-life examples, discuss involving kids in financial conversations, and reveal the key to navigating money matters as a team. So keep listening as we unravel the secrets to communicating finances in your marriage!

How Different Money Situations in Childhood Can Affect Your Relationship
The Impact of Money Baggage on Relationships
Why It's Wrong For One Person To Carry The Burden Of Doing The Budget/Finances All On Their Own
How To Involve Kids in Financial Conversations + Teach Kids About Money Early
Tips for Effective Money Talks + Conversations
Trust and Transparency in Financial Communication
Exploring Different Approaches to Managing Finances: Joint Accounts vs. Separate Accounts
Dealing with Debt as a Couple
Financial Planning for Life Events: Buying a Home, Starting a Family, Retirement, etc.
The Benefits of Regular Budget Check-Ins and Reviews Seeking Professional Help: Financial Advisors, Marriage Counselors, and Financial Coaches
Overcoming Fear, Shame, and Guilt Surrounding Money Discussions
Resources and Tools for Streamlining Finances as a Couple
Creating a Monthly Budget Meeting

Tune in to learn how to foster open dialogue, overcome financial differences, and strengthen your relationship through shared financial goals. Let's start building a solid foundation for your financial future together!

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91 | Make Your Budget With Us: Our 7 Step Process To Create A Zero-Based Budget - Part 5 - What does your budget say about you? May 26, 2023

Show notes

Snag Our Simplified Budget System!

Did you know your budget is a reflection of your priorities and your values?

In the words of Dave Ramsey: “Don’t tell me what you value. Show me your budget, and I’ll tell you what you value.”

Today we’re going to talk about what your budget says about you, what you want your budget to say about you and how to bridge the gap between. We will cover:

Why you’re feeling frustrated about your “budget” or money management
How to analyze their own budgets and consider what it says about them
How to set goals and a vision for your financial future
How to align the budget with those goals
Why you need to think beyond the paycheck to paycheck cycle and consider your long-term desires and values
The small steps you can take to implement your goals

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90 | Make Your Budget With Us: Our 7 Step Process To Create A Zero-Based Budget - Part 4 Getting Started With Your Simple Budget May 24, 2023

Show notes

⁠Snag Our Simplified Budget System!

Ready to start using your budget? Listen to learn all about:

Make the budget visible:

Print your budget out & keep it where you’ll see it.
Track weekly and make adjustments as needed.
Embrace your inner nerd with highlighters and pens and such.

Learn to embracing imperfection:

Learning to budget is a process and you shouldn’t expect perfection from day one.
You’ll refine over time and that’s great!

Consider Cash:

You don’t need to use cash envelopes forever, but you should try it for a month!
Start by using cash for specific categories, such as restaurants, groceries, or gas.
Cash is the BEST accountability partner. It doesn’t lie and it’s not judgmental.
Cash creates a tangible experience and provides a visual representation of your spending habits.
Use the same ATM on payday & envelopes to help.

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89 | Make Your Budget With Us: Our 7 Step Process To Create A Zero-Based Budget - Part 3 How To Give Every Dollar A Job The Right Way May 22, 2023

Show notes

⁠⁠Snag Our Simplified Budget System!

Welcome to part 3 of our exciting miniseries on creating a budget in seven easy steps! In this episode, we dive deep into the concept of a zero-based budget and the benefits it offers for your finances!

Demystify budgeting and gain a better understanding of your personal finances.
Develop a detailed view of your income and expenses to take control of your spending habits.
Prioritize your expenses and eliminate unnecessary spending with a zero-based budget.
Assign each dollar a specific job to ensure your spending aligns with your goals and values.
Make better financial decisions by considering the opportunity cost of different choices.
Align your spending with long-term goals and make intentional decisions for financial well-being.

Imagine the relief of reducing financial stress as you confidently manage your finances. Say goodbye to uncertainty and hello to a secure financial future. It all starts with mastering the art of the zero-based budget.

Get ready to take control of your money, make smarter financial choices, and experience the peace of mind that comes with a well-managed budget.

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