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

What happens when you finally see all of your finances in one place?

In this episode, Michelle from Budget Besties Office Hours shares the story of a military mom facing a huge overseas move, major life changes, and overwhelming financial stress. After listening to the podcast and joining Office Hours, she jumped into the Simplified Budget System and quickly discovered:

✅ An extra $1,000 a month she didn't realize she had

✅ Over $200 a month in unused subscriptions

✅ A plan to save more than $3,000 before her move

✅ Room in the budget to cash flow a Disney cruise

✅ The peace of mind that comes from knowing exactly where your money is going

If you've ever felt overwhelmed by your finances, worried about a big life change, or wished you could stop keeping everything in your head, this episode is for you.

In This Episode We Talk About:

Why seeing your budget on one page changes everything
How mock budgets help you prepare for major life transitions
The power of the 90-day review
Finding money that's already in your budget
Why "math is facts" can calm financial anxiety
How Office Hours helps women get unstuck faster
The connection between growth and getting uncomfortable
Teaching healthy money habits to the next generation

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.

Get Out of Debt Faster: The Simple Debt Payoff Plan That Finally Works | 573 Jun 01, 2026

Show notes

Get Debt Relief Help

If you're tired of sending your hard-earned money to credit cards, loans, and debt payments every month, this episode is for you. In this episode, we're talking about what getting out of debt really looks like, common mistakes people make, and how to create a plan that helps you keep more of your money.

Because the goal isn't just making payments forever. The goal is getting your money back.

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.

How to Decide Between Paying Off Debt or Building Your Savings | 572 May 29, 2026

Show notes

In today’s episode, we’re answering YOUR money questions in real time. No prep. No scripts. Just honest conversations about budgeting, debt, savings buckets, and figuring out what actually matters most in your season of life.

We’re talking through:

Should you put extra money toward debt or savings?
What savings buckets matter most right now?
How do you know if you have a spending problem or an income problem?
What if your budget feels tight no matter what you do?
How to make realistic budget decisions for YOUR family

Plus, we share stories from real clients navigating debt payoff, bonuses, big families, and making intentional choices with their money.

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.

How to Simplify Your Budget With Separate Accounts, Automation and Your Bank App | Reair: Ambitious Time Management Strategies for Working Moms with Kristen Edwards | 571 May 27, 2026

Show notes

Check out ths reair from our friend Kristen's Podcast: Ambitious Time Management: Strategies for Working Moms

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.

Make Your June 2026 Budget with Us: A Step-by-Step Monthly Money Plan | 570 May 25, 2026

Show notes

Have you made your June budget yet? In this episode, we’re walking you through exactly how to build your monthly budget from start to finish. We’re covering how to close out May correctly, update your real numbers, plan for spending, organize your bills, set up savings buckets, and figure out how much extra you actually have to throw at debt.

This is the exact process we use with our clients to stop the paycheck-to-paycheck cycle and finally feel organized with money. Grab your budget, your laptop, or a notebook and make June’s budget with us while you listen!

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.

How to Stop Pop-Up Expenses From Derailing Your Budget | 569 May 22, 2026

Show notes

Jen is tired of feeling like every paycheck is already spent before it even hits the account. Between dance competitions, surprise expenses, kids’ needs, and trying to “make it work,” she feels stuck in the constant cycle of hoping there’s enough money to cover everything.

In this coaching session, we walk Jen through the very first steps to stop winging it and finally create a simple system for her money. We talk about:

Why your bills account should become your main account
How to stop using “hopeful numbers” instead of real numbers
The easiest way to separate bills from spending
What to do when unexpected expenses keep popping up
Why getting everything on ONE piece of paper changes everything
How to talk to your spouse about money when things feel tense
Why savings buckets help with all those “random” expenses
Snowball vs avalanche debt payoff methods
The truth about living paycheck to paycheck

If you’ve ever thought:

“Why do we make decent money but still feel broke?”

…this episode is 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.

Watch Our Debt Payoff Workshop!

Making Good Money but Stuck in Credit Card Debt? How This Couple Avoided Debt Consolidation | 568 May 20, 2026

Show notes

Caroline and AJ both booked a free call… without knowing the other one had already done it. That’s how ready they were for change. 🙌

They were working full time, running a growing wedding photography business on nights and weekends, and still wondering:

Why isn’t the money stacking up?
Why are we still in debt?
Why does this feel so stressful?

They were doing all the “right” things. Good jobs. Successful side hustle. Working nonstop. But no system. No plan. Just winging it.

Until they found the podcast episode on debt consolidation… and everything clicked.

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.

How to Budget Variable Income So You Can Spend Freely, Save for Big Goals, and Invest | Multi-Six-Figure Family Case Study | 567 May 18, 2026

Show notes

Hey budget besties!

Today we’re bringing you a real-life coaching case study—and y’all, this one is so good. Because you might see yourself all over it.

This adorable young couple (two kids, big dreams, cutest energy ever) came to us making great money… and spending it just as fast. He was 100% commission in finance (plus quarterly bonuses 😅), which meant income was high—but unpredictable. And when money feels random, spending gets random too.

They didn’t have tons of debt. In fact, they paid off their credit card right at the beginning. Their real issue?

👉 No system.

👉 No clarity.

👉 No separation.

👉 Zero savings buckets.

Money was everywhere… and going nowhere.

Let’s talk about what changed.

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.

Feel Broke Even After Payday? Try This 10-Minute Money Reset | 566 May 15, 2026

Show notes

Budget besties… do you have 10 minutes?

Because if you do, we’re about to give you the easiest, quickest, least-overwhelming way to organize your finances. And we mean actually organize them — not just “everything’s fine” while the room is metaphorically on fire. 🔥🐶

You know the meme.

“This is fine.”

If you’ve ever looked at your bank account and thought:

“There’s money in there, so I think I’m good?”
“Wait… did that bill already come out?”
“How many more things are hitting before payday?”
“I think I can afford this…?”

Then bestie… everything is not fine. It’s chaotic. It’s cluttered. It’s your closet before you finally declutter it.

And just like that closet — it may be “working”…

But there is SUCH a better 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.

How to Stop Spending the Money You Need to Pay Your Bills | Lessons From The Sessions | 565 May 13, 2026

Show notes

Budget besties… we love you. But if you remember NOTHING else from this episode, remember this:

Take the Bills debit card out of your wallet.

Yes, we said it loud. Yes, we’re serious. And yes… we’ve probably said it every single episode since we started coaching.

In this episode, we’re breaking down what happens when the Bills account becomes the “everything” account — airport hoodies, Chick-fil-A, Uber, school lunches, dry cleaning, Ann Taylor (because apparently that’s a bill now? 😂).

Here’s the thing:

Your Bills account has ONE job. To pay your bills. That’s it. It is a fortress. It is sacred. It is not funding Dunkin’.

When we separate bills from spending:

You stop guessing.
You stop stressing.
You stop tracking every single transaction.
And you actually start seeing money stay in your spending accounts.

We also shared the story of an incredible client who:

Had so many Klarna payments she had to scroll to see them all
Thought she couldn’t afford coaching
Was paying 16% interest on her Jeep with a co-signer
Felt completely alone in her finances

Fast forward a few months:

Klarna almost gone
Thousands paid toward debt
Interest rate cut in HALF (on her own!)
No co-signer
Saving monthly
Paying for vacations in cash
Building an exit plan she didn’t think was possible

What changed?

Organization. Separation. Support. Confidence built step by step.

Sometimes you don’t need more income.

You need clarity.

You need a plan.

You need someone in your corner reminding you that you’re not bad with money — you just weren’t shown a system that works.

Whether it’s our personalized budget templates, group coaching, six-month coaching packages, or the Simplified Budget System — everything we do is about helping you feel calm, capable, and in control.

Because budget besties… you deserve to feel like a million bucks about your money.

And seriously.

Go put that Bills card in the freezer. ❄️

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.