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

Snag Our Simplified Budget System!

🧐 Are you new to budgeting? No worries! We understand that most of us are beginners--you don't know what you don't know! No one taught us how to budget. But! Now we're here to guide you step by step. Listen for:

• How to give yourself permission to be a beginner (stop overthinking or sabotaging)
• Which three simple categories you should start your budget with
• Why using paper for your beginner budget will really help
• How debt plays into starting the budget journey
• How to move from using credit cards to pay bills to using your budget to pay bills
• How to allocate spending when budgeting
• How to avoid resenting your budget by giving yourself room for fun

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. 

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!

Snag Our Simplified Budget System!

All the tax secrets you need to know are coming to you in this podcast courtesy of Claudia Moncars, Certified Tax Geek (aka Tax Attorney)! She helps people navigate and resolve tax issues with the IRS and she's telling us all the behind the scenes things we didn't know! Listen in to hear all about:

• Claudia shares that most individuals who approach her have unintentionally made mistakes on their taxes, emphasizing that mistakes are common even among those who are knowledgeable. (Yes, we're talking about you smarty pants! 🤓)
• How small business owners often struggle with managing taxes while focusing on growing their businesses. Claudia emphasizes the importance of proper record-keeping.
• Maintaining Separate Business Records: Claudia suggests the importance of maintaining separate records for business expenses and personal expenses to avoid potential audits.
• Tracking Cash Transactions: Claudia explains how cashless transactions are being tracked more rigorously, and she advises keeping documentation even for small transactions to avoid discrepancies. She's giving you the details about PayPal, Venmo and what you need to know to avoid flagging an audit!
• Dealing with IRS Debt: Claudia outlines a framework for dealing with IRS debt. She advises acknowledging mistakes, opening IRS letters promptly, evaluating your financial situation, and taking action to address the debt.
• Negotiating with the IRS: Claudia explains that negotiating with the IRS involves understanding allowable living expenses and finding ways to reduce the amount you owe. She gives examples of how certain business expenses can be used to reduce the tax liability.
• Freezing Accounts: Claudia mentions that the IRS can place accounts in a "currently not collectible" status, giving individuals a temporary break from collection efforts to stabilize their finances.
• Strategies for business owners to manage payroll and withholdings, including using payroll services.
• How to track your IRS account and being proactive in understanding your tax liabilities.

Find out more about Claudia here: www.moncarzlaw.com or check out her YouTube channel here: https://www.youtube.com/askthetaxattorney

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. 

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!

Snag Our Simplified Budget System!

*Welcome to a special episode of our podcast: Business Besties! We're shaking things up with some oversharing about friendship & girl talk.*

Listen in for:

• Why we're doing this episode and a little bit of our origin story
• All about our business goals last month and whether we met them or not!
• Encouragement on how you can definitely do it too!
• We'll also tell you a little bit about our vacations & quality time with family and together
• We're telling you what we both struggled with this month including scalp issues and hair thinning!
• We had a hilarious adventure with a DIY project - painting kitchen cabinets. Let's just say, it didn't go well.
• We're trying our best to balance work, family and personal life and we've got tips for you!
• Proud mama alert- telling you a few of our kiddo's wins.
• We'll tell you about our adventures on beach volleyball team plus our #1 guilty pleasure / indulgence / hilarious story.

If you're interested in the blood work kit Vanessa mentioned, please visit https://stewardinglifewellness.com/shop/ and use the coupon code BALANCE for 5% off!

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. 

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!

Book A Free Financial Coaching Call!

Today we're bringing you three lessons from our coaching sessions, we know they're going to help you!

• During one session, the husband surprised us with his desire to buy a pricey vacuum, which we totally didn't see coming! But we took this opportunity to discuss weighing your long term goals over what you want right now as well as finding creative solutions to achieve their debt-free goal while managing their expenses.
• We also delved into the topic of storage units several times this week. While they can be useful in some situations, it's essential to have an exit strategy and not fall into the trap of using them indefinitely. If you have a permanent home, you might not need a storage unit at all! Let's declutter and prioritize our possessions wisely.
• Finally, we dished out some tough love about vacations. If you can't afford a vacation, you've got to face that reality and focus on financial goals first. Sacrificing vacations for a short period will lead to long-term gains and more exciting opportunities down the road. Embrace the process and envision a life where financial freedom is the ultimate vacation! While you're at it, build a life you won't need to vacation from; prioritize financial freedom.

--

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. 

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!

Snag Our Simplified Budget System!

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

How to Wrap Up July

• Before focusing on August, take the time to wrap up July'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 July to August 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, back-to-school supplies, and sports-related costs.
• Take advantage of back-to-school tax-free weekends for saving on purchases.

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 August

• August should have specific goals and you need to put them in your budget. Set financial goals for August 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 back-to-school shopping.
• 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.

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. 

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!

Snag Our Simplified Budget System!

We've got one more fast & fun best of clip show for you. Listen for short but jam-packed nuggets on:

• Getting back on track after you've fallen off course for your goals (hint, it takes one decision)
• How & why you need more margin & buffer (white space) in your schedule / calendar
• All the good stuff is made up of hard work so lean into it
• How to not give into your brain when it throws a temper tantrum
• Why a morning routine is so important
• Leadership as a mom
• Your body's natural state is strong & energetic and what food-like substances are doing to it
• How to get started on a project or task even when you don't want to
• If your friends don't support or help you move closer to your goals, you need new friends

And more!

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. 

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!

Snag Our Simplified Budget System!

Today get ready for some serious, hard-hitting money advice! We're splicing together all the golden nuggets from our past podcasts. You'll be like, "Wow, that hit me hard, but I needed it!" Think of them like YouTube Shorts...each one is short and sweet!

Here is a glimpse at some of the nuggets we're talking about:

• No Judgment Spending: Hey, it's okay to have a personal spending budget! You can't be too restrictive or too wild with your money. We call it the "No Judgment Account" – spend it freely without guilt!
• No Extra Paycheck: Sorry, no magical extra paycheck will save the day. We're thinking bigger! Use that extra money wisely – pay off debts, boost your emergency fund, or save for those big dreams!
• Mindset Shift: Don't let money control you. It's time to flip the script! When your income increases, don't automatically spend more. Your goals should get a raise, not your expenses!
• Budgeting for Big Expenses: List down all those big expenses you dream of – Christmas, vacations, home repairs. Then break them down, calculate what you need, and budget for them each month. Boom! No more financial stress!
• Automatic Transfers: Get excited about automatic money magic! Set up those transfers, and watch your accounts grow effortlessly. It's like money fairies doing the work for you!
• Robbing from Your Future Self: Time to stop robbing from your goals and dreams! Align your spending with your vision. Be intentional, and make your future self proud!
• Invest in Your Future: Celebrate those raises by raising your investments! No more excuses. Prioritize your future and let compound interest work its magic!

And more!

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. 

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!

Snag Our Simplified Budget System!

Looking for inspiration and balance in faith, business, and motherhood? Join us for an uplifting podcast episode with Samantha Semans, the cheerleader for women seeking their true calling and deeper relationship with Jesus. Listen to learn about: The misconceptions about self-care and abundance in the world (Spoiler Alert: true abundance comes from abiding in God) The struggle and pressure on women to perform, succeed, and provide and how they can find freedom and fulfillment in a relationship with Jesus. Listen to some of our personal experiences and stories of growth, transformation, and overcoming challenges in faith and life. All about nurturing one's relationship with God, deepening the understanding of the Bible, and learning how to hear from God. How to address past traumas, receiving permission to focus on God, and understanding that God's abundance is available for all aspects of life. Why you need to ditch the silo approach, aka doing life alone. Get encouragement and support if you're feeling lost or distracted, guiding them to find their calling and walk in their authority with Jesus. More discussions about finances, roles as women, and understanding how biblical principles can positively impact different areas of life.

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. 

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!

Snag Our Simplified Budget System!

In today's episode, we're talking about combining finances in a marriage as well as the consequences of not doing so. We are here to coach & encourage couples to be on the same page financially to avoid division and build a stronger relationship. Listen to us: Explain how not combining finances can create a sense of individualism and hinder intimacy in a marriage Discuss the importance of communication, trust, and teamwork in managing shared finances Highlight the benefits of having joint financial goals and working together to achieve them Addresses the issue of staying financially afloat without making significant progress as a couple Recommend combining finances as a necessary step to create a unified approach to money management Offer insights into the potential pitfalls of keeping finances separate and the impact on marital dynamics Encourage you to reset as a couple and approach their finances as a team from day one

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. 

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!

Snag Our Simplified Budget System!

Whether your spouse supports you and just wants to help you figure out your spending problem or if there is some tension and friction in your marriage when it comes to finances, this is the podcast you need to hear!

We're talking all about marriage & money and the problems that can come about. Listen to learn about:

• Why combining your finances is important and what it means if they aren’t combined
• How trust issues can become financial issues
• How financial issues can lead to mistrust issues if you don't get it under control
• How doing things alone leaves you with no accountability and no shared vision as a couple
• Why you want to get it all out on the table, set goals together + communicate on purpose (spoiler alert: fun marriage!)
• How financial issues are a mask for other problems (and how to solve them)
• How to improve communication as it relates to finances and money
• How having opposite and different goals / values as a couple is counterproductive
• What a Level 10 Marriage could be like
• The difference between one person being in control and teamwork
• How lack of financial transparency can mean lack of intimacy in a marriage
• Why it's better to do it as a team instead of individuals

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. 

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!

Snag Our Simplified Budget System!

In this podcast episode, we're talking all about how meal planning can be SUPER EASY and SAVE YOU TIME, MONEY & CALORIES!

We've asked Chelsi Jo from the Systemize Your Life podcast to come on and discuss her meal planning system and how it has helped her save money and reduce the stress of figuring out what to cook for dinner. Chelsi is telling us all about her menu board system, which involves creating index cards with meal ideas and their corresponding ingredients. These cards are stored in a recipe box, and each week, Chelsi and her family select meals from the cards based on their schedule and preferences.

This system allows you to involve the whole family in the meal planning process, as it creates buy-in and allows everyone to contribute. This system will not only save you money but also simplify your life by eliminating the constant (and evil) "What's for dinner?" question.

The menu board system is designed to be simple and adaptable. We're bringing easy recipe ideas and encouraging you to recycle meals to reduce waste and keep things uncomplicated. There is a lot of flexibility in the system, allowing for leftovers and occasional dining out. It also works with your busy schedule that might include sports, date nights, travel, work events and more.

Learn about this system on the Systemize Your Life Podcast Episode 08

Read about Chelsi's system in her blog post.

Connect with Chelsi Jo on her website.

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. 

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!

Snag Our Simplified Budget System!

Can you save money without sitting down to do an entire budget? Are there ways to get you going in the right direction if you are in a busy season right now? Join us in this episode as we give you seven practical strategies to save money, even if you don't have the time to create a budget. Whether you're constantly on the go or simply haven't gotten around to making a budget yet, these tips will empower you to take control of your money & financial situation.

Listen to learn:

• The fastest way to stop using credit cards to pay for everything (that will help you spend less too)
• How to reduce impulsive spending quickly
• What budget items you can shop around for better deals while you're sitting in carline
• The one exercise that'll be so eye-opening you won't want to spend money again!
• How you can use your bank to automatically save money
• How to save money on food and groceries (+ how to stop wasting food)
• The one hack you can use with cash without having to go ALL in using cash
• How to use the bank to do your budgeting for you

Plus we had some bonus tips to offer too:

• Take advantage of rewards programs offered by restaurants and stores (Chick Fil A app anyone!?)
• Consider buying your bulk items (like supplements) during sales events like Black Friday

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. 

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!

Snag Our Simplified Budget System!

"We made this podcast to help you get to where you wanna get to faster than it took us."

Today we are talking to you all about our business journey in order to help you, perhaps, not make the same mistakes. 79% of our clients are business owners or they have a side hustle of some sort. So, we are offering a glimpse at some of the mistakes we've made in order to hopefully help you! Listen to hear about:

• How we started and ran multiple businesses.
• The challenges we've faced & mistakes we've made along the way.
• How we spread ourselves too thin.
• How we finally figured out which part of our business we should focus on.
• The benefits of focusing on one thing.
• How the Profit First system saved us from turning all these business mistakes into financial mistakes.

Learn More About The ONLY Business Bank We Recommend!

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. 

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!

Snag Our Simplified Budget System!

In this episode we are telling you all about the budget + systems we use for our clients to help them get debt free and feel calm and confident about their finances. Some of the key components include:

• Goal Setting: A section dedicated to setting financial goals, whether short-term or long-term.
• Monthly Budgets that track income, bills, debt, spending & saving.
• Asset tracker: Figuring out your net worth & setting net worth goals is next level!
• Debt tracker: Here we create your debt snowball and figure out when & how you can get out of debt.
• Debt-free Budget: We like to show clients what life could be like when they're out of debt.
• Retirement budget & planner: You have take the time to paint your retirement picture so that you know what you're working toward. Then we have a calculator that lets you know exactly how & when to get to that official retirement moment.

The benefits of our system, that is now available to you, are:

• Set & Reach Financial Goals: You can set & reach financial goals. Finally.
• Comprehensive and Simplified Approach: Your budget & systems need to offer a comprehensive solution by covering various aspects of financial analysis, tracking, and planning. When you simplify the budgeting process and incorporate automated systems , it's easier for you to manage your own money!
• Personalization: The workbook allows users to personalize their budget by creating their own categories and customizing it according to their specific needs. This feature ensures that individuals can tailor the resource to their unique financial situation.
• Clarity and Organization: The workbook's layout and structure provide you with clarity and organization, making it easier to understand and work with your financial data. It helps individuals gain a clear picture of their financial situation and track their progress towards their goals.
• Retirement Planning: The workbook includes a retirement calculator and budgeting section that helps individuals plan for their future retirement. It assists in visualizing retirement goals, determining required income, and creating a plan to reach those goals.

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. 

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!

Snag Our Simplified Budget System!

We're back for another Q&A episode all about estate planning and the desire to avoid probate and taxes.

Key Points:

• Thinking about this is great b/c you're forward thinking and preparing for the future.
• Estate planning helps you avoiding burdening your children or loved ones with complex legal procedures.
• Lawyers are necessary in some cases, while others can be handled with DIY resources.
• Probate is the legal process that occurs after someone's death, involving asset distribution.
• Waiting for probate to resolve can take months to years and may incur substantial costs.
• Hiring a lawyer during probate usually involves paying a percentage of the total assets.
• DIY resources can be suitable for simple wills and some real estate matters, but caution is advised.
• Why we recommend hiring a lawyer in this instance.
• A trust allows you to bypass probate entirely.
• Establishing a trust requires upfront costs, typically around $4,000 to $5,000.
• With a trust in place, assets can be transferred immediately without going through probate.
• Any lawyer in the country can handle the trust's distribution without additional charges.
• Not planning your estate properly can lead to financial messes and family stress.
• Long probate periods can create conflicts among family members.
• The cost of avoiding estate planning can far outweigh the initial investment.

Estate planning is a crucial step to protect your assets, minimize taxes, and avoid probate-related complications. While hiring an attorney can be expensive, DIY resources may not be sufficient for complex situations. It is essential to weigh the costs and benefits and make an informed decision based on your specific circumstances. By taking responsibility now, you can simplify the process and ensure a smoother transition for your loved ones in the future.

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. 

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!

Snag Our Simplified Budget System!

Where you keep your savings money is important! Today we have all the tips & tricks about where to keep the money you've set aside for an emergency. Why? It needs to be accessible, but not too accessible, right? And it might as well be earning you a little bit of money!

• Why you should separate the emergency fund from everyday accounts to avoid using it for non-emergencies.
• How one client used money from the emergency fund to buy sheep. Sheep are not an emergency.
• Why you might keep the emergency fund in a different bank to make it harder to access and reduce temptation.
• Why a buffer in your savings (not emergency fund) account might be a good idea.
• How to access the emergency fund if it's in a different spot.
• Why a money market account, which typically offers higher interest rates than regular savings accounts, is a great option for your emergency fund.
• How to shop around for banks that offer high-yield savings accounts or money market accounts for their emergency fund.
• How investments are different from the emergency fund.
• How to make a good decision about using your emergency fund.

Atomic Habits By James Clear

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. 

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!

Snag Our Simplified Budget System!

July is a FUN month to budget for. You've still got some summer vibes going on, maybe a vacation or quality time with friends and family and who knows what else! Either way, we're helping you get your July budget set up in this episode. Listen to learn:

• Why you have to start by finishing up June's budget
• What income considerations you might need to make for July including adjusting for vacations, unpaid time off, bonuses, etc.
• What bills changes might apply in July
• Examples of expenses that. might come up for the month of July specifically
• How to set your goals for July
• How to adjust your goals if your budget is off
• Why Vanessa dropped her parents off at the airport and they're still there
• Shana's fun & cheap potluck contribution idea

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. 

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!

Snag Our Simplified Budget System!

We're back for another episode of Q&A! Today we're talking to a listener that had their budget ALL figured out and now the student loan payments are back and it's wrecking their budget! They had managed to save around three to $400 per month to put towards debt, but now their student loan payments are back, leaving them with no extra money at the end of the month! They're seeking advice on how to navigate this situation while juggling work and taking care of their kids.

Here are the basic tips & takeaways:

• Revisit your expenses and take a closer look at your budget.
• Determine the difference between needs and wants, and identify areas where you can cut back.
• Revaluate your spending habits
• Consider reducing entertainment subscriptions
• Reevaluate your insurance plans & renegotiate your rates

We also talk about:

• What to do if you've already pared your budget down as much as possible.
• How you may want to contact your creditors directly & how they'll be more willing to work with you if you chat with them BEFORE a default
• How you can request deferred payments for a month or discuss the possibility of lowering payments or interest rates.

Finally, we also talked about the importance of teaching your children about personal finance. This situation can be an opportunity to discuss the negative impact of student loans and the value of saving for college from an early age. Having open conversations about finances and instilling good money habits can help them avoid financial struggles in the future.

~~~~~

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. 

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!

Snag Our Simplified Budget System!

In today's podcast, we are answering a question from a client about how to deal with expenses that come up as it relates to children.

We loved this mom's question & the realness of it:

What do you recommend to do when you have children, and you enter a phase where every day there is a new expense?

• They grow out of shoes overnight and now require a purchase of $80 + shoes
• Two days later your other son needs new cleats because the ones he has now have a hole in them and can't play soccer with his toes hanging out
• Two weeks later the soccer team decides they are switching leagues and require a $300 deposit plus $150 for the uniform
• And it just keeps going from there :)

We GET IT. Been there, done that, wasn't in the budget, sent kids to school with holes in their shoes, all of the above! We also know:

• It's challenging to raise kids and budget at the same time, especially as the expense continues to climb
• The expenses as it comes to kids can be unpredictable

We're telling you, again, about our concept of the kid's envelope and how it's going to save your life.

We're also explaining how to set up a sinking fund for your kids and how you can estimate the annual cost of your kids.

We also talked about how to set limits and say "no" when it's necessary.

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. 

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!

Snag Our Simplified Budget System!

In today's special episode, Alana Frost, owner of Alana's Organizing, shares wisdom from her journey as the owner of a professional organizing and relocation company. Alana is here to tell you all about:

• The importance of mindset and creating a time-saving environment when it comes to getting organized
• Why simply buying organizing products won't solve the problem
• How to start with evaluating what you have and determining what is being used or not.
• Why taking action is key, as even small steps can create momentum.
• That organization is unique to each individual and family and it requires ongoing adjustments based on different life stages.
• Tips for accomplishing more at home without adding to your to-do list.
• How to have a home for everything in your house,
• How to dedicate a specific time to put items away daily.
• How these practices give you a clutter-free environment but also save time

Here are some affiliate links from Amazon to some of our FAVORITE organizational items for your home:

Closet Organization Help

Bathroom Outlet Shelf (Game Changer!)

Beautiful Storage Jars for Kitchen + Bath

Linen Storage Bins

~~~~~~~~~~~~

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. 

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!

Snag Our Simplified Budget System!

In this episode, we answer a question from a client about how to know the amount of money she needs for retirement. It's a great question to ask, the earlier the better.

We cover:

• Defining your retirement vision: You can't know how much you need until you know what you want!
• Retirement planning requires casting vision for your ideal post-work life.
• The need to consider personal preferences and goals for the next season of life.
• The importance of open communication with partners/spouses about shared retirement vision.
• How to create a retirement budget-- it's going to be different than your current budget! (think paid off mortgage, hobbies, travel, grandkids, etc!)
• How to use that budget to calculate your annual retirement expenses
• How to plan how much income you'll need in addition to any expected income
• How to use the 4% rule as a conservative guideline for sustainable withdrawals from your investments.
• How to get your magic retirement number that is a clear retirement savings goal.
• Here is another episode to listen to about retirement calculations.

⁠

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. 

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!

Snag Our Simplified Budget System! (Used by businesses as well)

Today we're continuing a special Q&A series where we're taking questions directly from you: our listeners, clients and fans! The first question is about small business that have used personal funds to get started.

About 75% of our clients have their own business or side hustle. In this episode, we're diving into budgeting and small business finances and sharing strategies & tips for your business. As financial coaches, we understand the challenges faced by entrepreneurs who are funding their businesses with personal money or relying on debt. Join us as we provide valuable insights on how to take control of your business budget, make strategic spending decisions, and ultimately achieve financial success.

Learn More About The ONLY Business Bank We Recommend!

Key Points Covered:

• Tracking and measuring expenses: Start with a business budget to manage effectively.
• Halting unnecessary spending: Utilize existing resources and inventory to generate income.
• Breaking the cycle of business debt: Paying yourself back and setting up a debt tracker.
• Establishing a systematic paycheck from your business to your personal budget.
• Creating profitability: Prioritizing income generation, debt repayment, and personal income.
• Treating your business seriously: Track, budget, and avoid unnecessary debt.
• How financial coaching for small business owners can help.

Managing your business finances effectively is crucial for sustainable growth. By implementing these strategies and adopting a proactive approach to tracking, budgeting, and debt repayment, you can achieve financial stability and pave the way for future success. Remember, financial coaching is available to support you on this journey. Feel free to reach out to us for personalized assistance in getting your business finances in order.

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. 

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!

Snag Our Simplified Budget System!

Today we're starting a special Q&A series where we're taking questions directly from you: our listeners, clients and fans! The first question is about overcoming impulsive buying and the guilt that follows.

"How do you talk yourself out of buying something at the moment? I feel like I am such an impulse buyer and I have GOT to train my brain to not thrive off the instant gratification of buying something because immediately after I always have a guilt and then I beat myself up."

• We're talking about:
• The need to REtrain your brain to find excitement in saving money and focusing on goals.
• How to change your spending habits .
• Why changing them won't be easy (we're being transparent).
• How keeping budget, goals, and progress in front of you will help you stay motivated.
• How to remove triggers that lead to impulse spending, such as avoiding certain stores or deleting shopping apps.
• How creating a more fulfilling life and finding alternative activities is key to reducing the urge to spend.
• How to recommend adding friction by making it harder to make impulsive purchases, such as deleting saved card information.
• How to recognize and remove oneself from the temptation in the moment.
• How to plan ahead for alternative actions when faced with the impulse to spend is crucial.
• Why your spending budget line item is key to prevent feelings of scarcity.
• How to plan and budget for desired purchases can provide gratification without overspending.

We mentioned James Clear's book "Atomic Habits." Get it on Amazon.

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. 

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!

Snag Our Simplified Budget System!

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

• Using the budget and calendar as tools to put the concepts into practice.
• Determining what you can afford to spend on summer activities.
• How to use sinking funds or separate budgets for summer activities and involve your kids in the process.
• Teaching your kids about financial responsibility by having them contribute to paying for their summer camps or other activities.
• Creating a system, such as envelopes or jars, to help your kids manage their money and learn budgeting skills. Also, encourage them to be involved in decision-making and prioritize activities based on their budget.
• Planning your summer activities based on your budget and time availability, considering both monthly and weekly schedules.
• Leaving gaps in your schedule and prioritize downtime.
• Designing your ideal summer day and week, taking into account your kids' preferences and incorporating routines to maintain a sense of structure. Planning your summer on a macro level, considering the overall calendar and flow of weeks.
• Discussing and creating ideal summer day schedules with your children, including both fun activities and chores.
• Considering the time and effort it takes to keep your kids busy versus allowing them to have downtime and be creative.
• Embracing boredom as it fosters creativity and encourages children to explore new activities and use their imagination.
• Viewing summer as a season of rest and downtime, allowing you and your children to enjoy a slower pace before the busyness of other seasons.

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. 

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!

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. 

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!

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 

-------

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. 

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!

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!

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. 

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!

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.

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. 

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!

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.

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. 

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!

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!

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. 

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!

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!

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. 

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!

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

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. 

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!

⁠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. 

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. 

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!

⁠⁠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.

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. 

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!

⁠⁠Snag Our Simplified Budget System!

We’re back for part 2 of our series on creating a Budget! IN this episode we will tackle the next step to creating your budget template: expenses!

• We're covering:
• How to categorize and list expenses correctly
• Why debt payments are essential and non-negotiable and where they get plugged in into the budget
• The difference between bills and expenses
• How to plan for common expenses like groceries, gas and personal spending money
• Listing out all your bills helps identify unnecessary expenses and make adjustments
• How having a designated pocket money category prevents stealing from other essential categories (Robbing Peter to pay Paul)
• How to plug in savings buckets for big expenses and future goals.
• What expenses fall into needs vs wants categories

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. 

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!

Snag Our Simplified Budget System!

In this podcast series, we're breaking down the process of creating a budget into seven easy steps. We want to show you that budgeting doesn't have to be complicated or overwhelming. Here's what you can expect from this episode:

• We'll guide you through calculating all sources of income, including salaries, freelance earnings, side hustles, and more. Every dollar counts!
• Tips for Irregular Income - If your income fluctuates, we'll help you plan for the lowest average month and create a separate holding account for surplus funds.
• Are You Getting Paid What You're Worth? - We'll encourage you to assess your worth and have conversations about raises, bonuses, or opportunities for increasing your income.
• The Power of a Light Footprint - Discover how paying off debt and reducing unnecessary expenses can give you more financial freedom (to change jobs) and make budgeting easier.
• Plus, we'll be sharing insights and stories from our clients to help you relate to real-life budgeting situations.

Remember, we're here to help you win with your budget and achieve your financial goals. If you're interested in personalized financial coaching, reach out to us through the provided link or email.

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. 

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!

⁠Snag Our Simplified Budget System!

Do you or your spouse have a business or side hustle? In this episode we will lay out exactly why & how to separate your business finances from your personal finances. We'll cover:

• Importance of separating business finances from personal finances
• Separating business & personal finances makes budgeting easier
• How to have conversations about business finances and goals with your spouse
• How to set yourself up to make tax season super easy
• A hack to highlight business and personal transactions on bank statements
• The process of making a list of quarterly and annual expenses for each category
• Why you need separate bank accounts for personal and business finances
• When you might need to bring all finances together before separating them in order to help identify and consolidate accounts
• How separating finances ensures clarity in understanding the profitability of the business
• How separating business and personal finances removes the risk of the business affecting your personal budget goals
• How separating finances helps you know if your business is actually making money (is the business generating profit or incurring losses?)

Grab the book Profit First here.

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. 

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!

⁠Book A Free Financial Coaching Call!

Our amazing clients took a big pay cut when they separated from the military. They went from a large income to a small income. Then, within a few years, they went from a small income to a large income. Guess what they learned?

• It doesn’t matter your income level, you need a budget.
• Most of the time it’s not an income problem, it’s a spending problem. 

No matter what you’re making, your habits will affect your budget and financial outcomes.

Shannon was hesitant to get financial coaching for two reasons:

• She’s a financial advisor! She shouldn’t need help.

• She’s strong, smart and independent. Surely she could do it herself!

Fortunately, she dove in and has now had so many successes after coaching:

• They paid off all credit card debt.

• They paid off their motorcycle debt.

• She lived beneath her means for two years so that she could save money, pay off debt and be able to move into a home at the right time.

• She’s now taking time for herself and allowing someone to help HER instead of it always being the other way around.

She’s learned:

• Taking time for herself is important, even if she doesn’t “have the time” or she “could” do it on her own.

• She doesn't need to do it all on her own, it’s okay to have help. 

• Paying off debt NOW, not at the end of the month is crucial

Shannon is now feeling hopeful about her financial situation. She can see the light at the end of the tunnel. She’s confident, disciplined and working the system. 

Shannon went from a large to a small income. Then she went from a small income to a large income. Her situation begs the question:

You can do a lot on your own. But how much more could you do if you had help? Someone in your corner?

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. 

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!

⁠Snag Our Simplified Budget System!

Talking about money can feel taboo—especially in Christian circles. But today, we’re speaking life over you and unpacking what the Bible and Jesus actually teach about money and stewardship. Our goal? To help clear out guilt, confusion, and distractions around God's plan for your finances.

In this episode, we dig into three powerful scriptures:

📖 1 Timothy 6:10 – It’s the love of money that leads to evil, not money itself.📖 Matthew 25:14-30 – The Parable of the Talents shows God blesses wise stewardship.📖 Matthew 6:24 – You can’t serve both God and money. One will always win.

Let’s be real: craving money or obsessing over it will absolutely derail your walk with God. But using money well? That can be one of the best ways to serve Him.

The Parable of the Talents reminds us:

• God celebrates when you win with money 🙌

• Scarcity mindset ≠ faith

• Don’t avoid your finances or stay passive

• Use your money on purpose so you don’t miss out on bigger blessings

• Faithful stewardship leads to the ultimate win: “Well done, good and faithful servant.”

Then we ask: is money secretly your master?

💡 Are your moods, decisions, or energy driven by money?💡 Are you staying in a job you hate because of money stress?💡 Do you think about money first—or God’s will?

Money is a tool. But if it’s controlling you, it’s time to flip the script. Get out of debt, take charge of your finances, and submit your budget to God. That’s how you get free to serve Him—without money calling the shots.

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. 

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!

⁠Book A Free Financial Coaching Call!

What is it costing you to keep doing things the way you’re doing them? 

We know you mean to budget, you want to be debt-free and you want to stop stressing and fighting about money. But if you’re finding it hard to hold yourself accountable to a budget or a plan, you’re not alone. In today’s episode we’re covering:

• The opportunity cost of not getting financial coaching
• The difference between paying interest and making interest
• What to do when you’re spending money on things that don’t matter
• How to overcome unexpected expenses and budget consistently 
• Some underlying reasons you might not be winning with money including self-sabotage and self-doubt 
• How to afford financial coaching even when you have zero money at the end of the month
• How to make short term sacrifices for long term gain (aka adulting)

In this episode we mention Jon Acuff’s books Start and Finish.

⁠

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. 

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!

⁠Snag Our Simplified Budget System!

Are you feeling overwhelmed about starting your budget?

Are you feeling unmotivated? Unsure where to start on your financial journey?

We understand! In this episode we’re going to cover:

• Some ideas on how to start small with your budget, using cash envelopes, getting out of debt or saving money

• How to give yourself grace & stop being so hard on yourself

• Why you need to give yourself permission to be a beginner

• How to do one thing at a time in order to build skill, confidence and discipline

• Why you need to put blinders on and stop comparing your situation to anyone else's

• How you unique circumstances require a nuanced approach

We will also share a story about our clients who were living paycheck to paycheck and didn’t even have money to buy groceries. They didn’t even know where to start! But we got them on a simple monthly budget and helped them start working on becoming debt-free. They even solved a lot of marriage problems and communication issues along the way. Now they are working their financial stewardship and building wealth!

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. 

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!

Snag Our Simplified Budget System!

When you’re trying to get out of debt, you might worry that your credit score will be affected. Worse, you might think getting out of debt can hinder your ability to purchase a home. 

Don’t worry, we’re here to help and explain exactly how you getting out of debt and paying off your credit cards is going to improve your score. We’ll talk about payment management, debt-to-income ratios and how to monitor your credit score for free (Stop paying a third party!).

We also cover:

• How our clients went from having different financial goals to being on the same page, paying off debt and buying a home!

• What percentage of your income you should be spending on your home.

• What the credit score is really monitoring.

• How to stay motivated while getting out of debt

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. 

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!

Snag Our Simplified Budget System!

What’s more important: Giving, saving money or paying off debt? When you’re budgeting and trying to pay off debt, save money and practice good stewardship over your finances, you can get a bit confused about which comes first. We are here to help you go from living paycheck to paycheck to getting debt free and having financial freedom! Listen to figure out which order to do the things with your money!

In this episode we’ll cover:

• Why you can’t do everything with your money at the same time

• When to focus on saving and when to pause saving

• Paying interest (debt) versus earning interest (saving money)

• How debt is a recent thing but doesn’t have to be a part of your story

• Give a little until you can give a lot

• How you can make giving a financial habit

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. 

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!

Curious? Start Here for Free!

Book A Free Financial Coaching Call!

Has your income ever gone up but you still found yourself spending every dollar and using credit cards? That’s where the Wagners were when they started working with us. Listen to their story to encourage you on your financial journey. In this episode we cover:

• How they finally had the tough conversations about money they’d been avoiding
• How they don’t have a restaurant cash envelope but a Chick-Fil-A cash envelope (next level)
• How they went from fighting about money to having big dreams and being on the same page
• How they have changed their mindset and spending habits
• The big success they had when he got a Christmas bonus and they paid off debt without even thinking twice
• How they are working toward their dream of being debt free
• How they paid off their shed and are not using credit cards anymore
• How they’re able to be generous with their money now that they’re stewarding it well

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

Snag Our Simplified Budget System!

It’s time to talk about groceries! We know you have a family to feed and you’re trying to do it on a budget. We’ve got all the tips and tricks to reduce the grocery bill and help you get your family on board with eating healthy on a budget.

This episode originally aired on the ⁠Christian Health Club Podcast ⁠with the amazing Chelsea who has combined her passion for Christ, her work as a nutritionist, and her life as a mom of three, to teach others how real food meets real life!  

We cover:

• WHY we want you to eat healthy on a budget
• Being certified through Dave Ramsey’s financial coach program
• How your health is your most important investment 
• You either pay now with healthy food or later in doctor & prescription bills

Then we cover the following ideas on how to eat healthy on a budget:

• The easiest way to lose weight and save money is to stop eating out
• How it will save you money
• The lazy way to meal plan
• How to let the kids and family get involved in meal planning, prepping & cooking
• How to reduce wasted food (wasted food = wasted money)
• Where to start if you find meal planning overwhelming
• How much you can save by not eating junk food (save cash, calories & space in the pantry)
• How junk food is designed to make you crave more so you eat more so you spend more
• How to prioritize protein & meat and how it helps you to be more full & save money
• Tips on figuring out the highest quality food for your specific budget
• How to buy whole foods and make it into food you can eat
• Why avoiding packaged food helps your budget & your waistline
• How to leverage store brands, BOGO (buy one get one free) and other coupons / sales / deals
• When to use fresh produce vs frozen produce vs canned goods
• Meal prepping and meal prepping tips to save money on groceries

Chelsea is the Christian Nutritionist and host of the Christian Health Club Podcast. Check her out here: ⁠www.thechristiannutritionist.com⁠ ⁠https://www.thechristiannutritionist.com/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 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. 

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!

Snag Our Simplified Budget System!

Do you wait until the end of the month to pay off debt but then have nothing to pay off debt with?

Are you trying to pay extra on debt but you're not making much headway?

There are many different methods to paying off debt and getting debt free. Today we are sharing with you the #1 tip and trick we use with our clients to help them budget consistently and make extra debt payments the right way.

Listen to learn:

• How to change your mindset & identity (especially if you have bad money habits)
• How to create your own debt-free momentum
• How to hold yourself accountable to paying off debt
• How to stop the paycheck to paycheck struggle
• How to know exactly how much debt to pay off each month
• The tiny habits and tweaks you need to make paying off debt easier
• How to remove the temptation to spend money that was set aside to pay off debt
• How to use a zero based budget to pay off debt

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. 

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!

Snag Our Simplified Budget System!

Do you want to get out of debt but you don’t want to live on beans and rice?

Are you not so much gazelle intense as you are gazelle at nap time?

We are going to talk to you today about how you can be on a budget, get out of debt, save money and build wealth without having to sacrifice everything about your lifestyle.

This episode is for everyone who loves Dave Ramsey and what he teaches but has a hard time implementing it in real life. We'll tell you about our clients who:

• Paid $2K off in 2 months while still getting her hair and nails done.
• Our client who paid off $56K in debt in 18 months while still going on several vacations every year.
• Our clients who paid off her van while also spending $1200 on groceries every month because they eat high quality food and she values her family's health so much.

We will cover:

• Why it's your budget, your way
• No matter how bougie you want to be, there's always some way to start & something to trim
• The balance between enjoying life, being healthy & being financially responsible
• How to start small and eventually go bigger
• How to be okay with starting "Daveish"
• How people make things complicated as a form of self-sabotage
• How we unconsciously give ourselves excuses not to start
• How to stop making excuses and start somewhere
• How there is a middle ground between beans and rice and spending all of your money every paycheck

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. 

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!

Book A Free Financial Coaching Call!

Talking about money can be difficult! So many of us were brought up not to talk about money, that it’s taboo. That idea can definitely impact how we communicate about money in our marriage. In this episode we cover:

• How to talk about money 

• How NOT to talk about money

• How to conduct successful budget meetings with your spouse

• How to get your spouse to want to come to the budget meeting

• How to change your mindset so you’re not dreading a budget meeting

• Why you need to keep the budget meeting short

• How to compromise about the budget meeting

• Why dreaming about your financial future will improve your relationship

• How to stop hiding spending or debt from your spouse

• Why you shouldn’t avoid money conversations 

• Money is not taboo, it’s a great tool that you’re going to use to do a lot of good in your life

• You must stop using my, your, his, her, mine in your language

• You should start using our & us

• How to stop stressing about money

• What to do when money is controlling your decisions, your mood and other parts of your life

• Matthew 6:24 “No one can serve two masters. Either you will hate the one and love the other, or you will be devoted to the one and despise the other. You cannot serve both God and money.

• How to come clean about debt, credit cards and other bad money habits so the weight can be lifted off of 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 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. 

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!

Snag Our Simplified Budget System!

Are you and your spouse on different pages when it comes to money? Financial goals? Spending habits? That’s totally normal! 

Getting on a budget and sticking to it allows you to clear the air and get rid of any hidden anxiety about money in your marriage.

What would your marriage be like if you had some big dreams and goals and you were working on them together?

In this episode we cover:

• Financial coaching can double as marriage counseling

• Coaching is different than therapy 

• What not to do in your marriage

• How to talk about money

• How to relate with your spouse about money

• How to conduct budget meetings 

• Why both spouses have to be involved in the budget process

• Military families who are solo-budgeting

• What not to do when it comes to marriage and money

• How the 5 Love Languages can help you 

Common problems in marriages about money:

• Coming from different money backgrounds (poor, middle class, wealthy)

• Hiding spending from the spouse

• Having only one spouse handling all of the finances

• Having different financial goals (i.e. saving money vs. paying off debt)

• Having no vision with regard to financial future

Quotes:

“It’s time to step up. You both have to agree. You both have to be all in. Together.”

“Everyone might be busy and hate math, but you still have to find time to do the budget”.

“You have so much more waiting for you & your marriage than just living paycheck to paycheck.”

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. 

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!

Book A Free Financial Coaching Call!

Do you have a hard time holding yourself accountable? Do you think you’re not so great with math? Do you consider yourself a spender? Do you live paycheck to paycheck?

Great, listen in because you and Shelby have a lot in common!

Shelby was a long time fan of Dave Ramsey. She listened to his show and even bought Financial Peace University. But she never held herself accountable. She never DID the thing.

“I have no willpower basically.”

She’s not alone. Maybe you know what you SHOULD be doing but you can’t seem to make yourself do it. 

In this episode, we talk to them about:

• How she tried budgeting but all she ever ended up with was a list of bills

• How she was super embarrassed to talk about money but then she realized coaching is totally a judgment free zone

• How she used to check her bank account everyday and have to do math to see what she could afford

• How she’s never been able to talk about money because it felt so heavy but now she feels excited and encouraged

• How she realized she grew up and how it made her a spender

• How she loves being held accountable and really looks forward to her coaching sessions now

• How she sees budgets as permission to spend now rather than restrictive

• Why financial coaching is not just about money, but it helps you improve your life and relationships as well

And so much more! 

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. 

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!