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

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If you're an entrepreneur, coach, or service provider trying to grow your business online, but your message isn’t connecting—or you’re not attracting the right clients—this episode will show you exactly why your brand might be the missing piece.

We’re joined by Reshia, our personal brand strategist at Brand Builders Group (BBG)—the coaching company that has helped top thought leaders like Lewis Howes, Amy Porterfield, and now, us. 🙋🏽‍♀️🙋🏼‍♀️

In this episode, we break down:

• ✅ What a personal brand actually is (it’s not just your logo or website)

• ✅ How to clarify your message so it speaks directly to the people you’re meant to serve

• ✅ The exact BBG framework that helped us get focused and grow our financial coaching business

• ✅ How to position your brand if you want to write a book, speak, launch a course, or scale your services

• ✅ Why a personal brand rooted in service will unlock growth, revenue, and long-term impact

This conversation is especially for women who:

• Are building coaching, consulting, or service-based businesses

• Feel unclear about their messaging or online presence

• Want to move from “doing all the things” to doing the right things

• Are ready to stop winging it and start building a brand with intention and clarity

👀 BONUS: We also talk about what it’s like to finally feel seen in a room full of high-achieving women—and why the BBG process is different from other coaching programs we’ve tried (and paid big money for).

✨ If you’ve ever thought, “I know I’m meant for more, but I don’t know how to pull it all together,” this episode is for you.

Grab the free audiobook of the Brand Builders Group book before July 1st. It outlines the exact step-by-step framework that helped us grow a brand we’re proud of.

• How to build a personal brand

• Branding for women entrepreneurs

• Personal branding for coaches

• Brand Builders Group review

• Coaching business strategy

• Brand clarity for service providers

• How to attract clients with your brand

• Build a brand that reflects your values

• Personal brand strategist for women

• Brand messaging for coaches

• Entrepreneur branding tips

• Female entrepreneur 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 take a second to rate & review the show! It helps us reach more people—just like you—who are ready to change their financial future. 🔔 Don’t forget to follow so you never miss an episode! 💌 And if you're feeling extra generous, share this podcast with a friend who needs it. We’d be so honored. 🙌

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Budget Besties, it’s time to break up with guess-and-hope budgeting. 👋🏼💸 If you’re still manually moving money around every payday, chances are you’re wasting time, energy and accidentally overspending.

In this episode, Shana and Vanessa walk you through the five key budget automations they personally use—and that have helped thousands of clients finally take control of their money without overthinking it every. single. week.

We’re talkin’:

1. Automating Your Bills – One dedicated account. All your bills. Set it and forget it.
2. Automating Your Investments – Treat your future like a non-negotiable bill.
3. Automating Your Savings Buckets – Christmas? Car maintenance? That summer trip? It’s all covered.
4. Automating Gas + Groceries – Never panic at the pump or stretch pantry meals 'til payday again.
5. Automating Your Personal Spending – A little joy-money that’s just for you—no guilt, no questions asked.

We break down exactly why this system works and how to set it up in a way that takes you out of the equation (a.k.a. fewer mistakes, more peace of mind).

✨ Whether you're brand new to budgeting or ready to upgrade your old system, this episode will have you rethinking how you handle your money—in the best way.

Let’s Take Our Relationship To The Next Level:

1️⃣ Facebook Group ➡︎ budgetbesties.com/facebook

2️⃣ Be on the Podcast ➡︎ budgetbesties.com/livecall

3️⃣ Private 1-on-1 Coaching. ➡︎ budgetbesties.com/coaching

This podcast is for educational and informational purposes only and is not personal financial, legal, or tax advice.

This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase.

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Budget besties, we’ve got a relatable one for you today! Meet Nicole—a clinical psychologist, single mom of two, and a total powerhouse who’s doing the work to get financially organized. She joined us to share what it’s like starting out with budgeting (spoiler alert: it’s not perfect right away), how she discovered she was actually spending four times more on her cats than she thought, and what she’s doing with a $5,000 windfall. 💰🐈‍⬛

We break down the big stuff—from student loans that feel like a mountain to climb, to that confusing moment when you realize Amazon might be eating your entire budget. Nicole had smart, honest questions about setting up savings buckets, managing multiple bank accounts, and figuring out how to prep for expenses before they sneak up on you.

Together, we dig into:

1. The emotional side of budgeting when you're used to flying blind
2. What to do with unexpected money (hello, baller pad emergency fund!)
3. Why savings accounts should feel like labeled file folders, not financial overwhelm
4. How many cards you actually need (hint: two)
5. Where to draw the line between groceries, household supplies, and “fun” Amazon orders
6. Making peace with student loans you can’t pay off tomorrow

This episode is packed with practical tips, reassurance for messy first drafts, and real-life strategies for managing money without judgment. If you’ve ever said, “I make good money but don’t know where it goes,” this one’s for you.

Let’s Take Our Relationship To The Next Level:

1️⃣ Facebook Group ➡︎ budgetbesties.com/facebook

2️⃣ Be on the Podcast ➡︎ budgetbesties.com/livecall

3️⃣ Private 1-on-1 Coaching. ➡︎ budgetbesties.com/coaching

This podcast is for educational and informational purposes only and is not personal financial, legal, or tax advice.

This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase.

Click here to view our privacy policy. https://budgetbesties.com/privacy

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Today, we’re talking about real coaching convos with our actual clients—and trust us, these are situations that might hit real close to home. From deciding whether to lease that shiny new car (👀) to finally choosing to take control of student loans or just figuring out what the new normal is after a big financial win—we’re breaking it all down.

Whether you’re staring down a tempting new lease, wondering what to do with a big refund, or trying to figure out why it still feels like money is disappearing every month, you’re not alone—and this episode’s for you.

Here’s what we get into:

🚗 To Lease or Not to Lease?

When one client was weighing a $58K car lease (yep, to lease, not own 😳), we laid out the facts. Spoiler: we don’t make the decisions—we just show you what the numbers say. And sometimes? That’s all you need to make the best call.

💸 Student Loans vs. Emotional Exhaustion:

Another client thought she wasn’t that worried about her loans—until she realized she’d already paid nearly $100K in interest over the years. Y’all, the numbers don’t lie. Knowing the true cost of delay can be the push you need.

💰 Hello, Tax Refund! Now What?

We helped one client resist the urge to pay off a credit card just because it felt right—and instead, she funded her annual bills account to avoid debt in the future. That’s what we call financial clarity.

📦 Savings Buckets Make a Comeback:

A client who “prints money” (okay, not really—but he is super handy) finally got to set up a real monthly budget, complete with savings buckets for everything from pet care to holiday gifts. Now, their money is working for them—not the other way around.

🧠 Perspective is Everything:

Having a coach means someone’s giving you the facts without emotional attachment. And that right there? It’s often the difference between spinning your wheels and actually moving forward.

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

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If your bank account is constantly giving “$9.18 energy,” and payday feels more like a lifeline than a win—this one’s for you. You're not bad with money, you just never learned the system that actually works for real life.

This week, we’re walking you through exactly how to break free from the paycheck-to-paycheck cycle—in the next 30 days. Yes, really. And no, you don’t have to cancel everything fun to make it happen.

In This Episode, We Cover:

💸 The Real Reason You Feel Broke:

It’s not your spending, it’s your system. Most of us are still running our money like we’re 18—with one account trying to do everything. No wonder we’re exhausted.

📆 What It Means to Be a Paycheck Ahead:

We teach you the game-changing strategy of using your last paycheck of the month for the next month’s budget. No more scrambling. No more overdrafting. No more financial whiplash.

🏦 The Power of Bank Account Separation:

Why having at least two accounts (Bills + Spending) is the simplest way to stop stressing and start spending on purpose. You'll finally know what money is safe to spend—and what’s off-limits.

🧠 How Decision Fatigue Is Wrecking Your Budget:

From checking your bank app 12 times a day to wondering if you can afford groceries (again), this cycle is draining. We’re showing you how to automate it away.

🛠️ The 4 Steps to Fix It in 30 Days:

1. 90-Day Audit – Get real about where your money’s going.
2. Monthly Budget – Stop budgeting by paycheck, and start planning by month.
3. Separate Your Money – Bills account + Spending accounts = peace.
4. Automate Transfers – Let your bank do the heavy lifting.

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

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Ready? Buy Our Simplified Budget System Now!

In today’s episode, we’re sitting down with our amazing client Michelle, who just wrapped up her six-month coaching journey—and let us tell you, this one’s got all the good stuff: drama, breakthroughs, and some serious “same, girl” moments.

Michelle’s story is full of heart, humor, and hope. She came to us thinking, “Great, another boring budget podcast,” (yep, we laughed too)… but then she found our system, and everything changed. 👏

Check out Relay for your business bank needs: https://budgetbesties.com/relay

Here's what we cover:

💳 Credit Card Chaos to Calm:

Michelle shares how she saved 60% on her credit card debt (yes, sixty!) just by making one phone call—with our script in hand and the right numbers in her budget.

🧠 From Budget Burnout to Confidence:

She'd tried all the traditional budgeting methods—itemizing, zeroing out, the whole nine. None of it worked. Until she found a system that finally gave her clarity and peace of mind.

🏦 Too Many Bank Accounts?

When we first met Michelle, she had seven accounts across two banks and still felt broke. We helped her simplify everything into one easy-to-see, streamlined system—because more bank accounts ≠ better budgeting.

👨‍👩‍👧 Keeping It Real as a Couple:

Michelle and her husband tackled the messy parts together—from business expenses sneaking into personal accounts, to the “wait, where did the money go?” convos. (Spoiler: they’re stronger for it!)

📈 Wins Big and Small:

A business account that actually works, a budget she trusts, and a husband who now sees the value of having his own expense account. Plus, all their money in one place—no more disappearing dollars.

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

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This episode is a ride through the real-life money moments we see in coaching all the time. From the confusion around bankruptcy payments to finally feeling not broke even when you’re actually doing great—this one’s full of eye-openers.

We’re pulling back the curtain on our coaching sessions to walk you through what’s really going on behind the numbers. Because if our clients are struggling with it, chances are you might be too.

Here's what we get into:

💥 Bankruptcy Aftermath:

How multiple credit cards and personal loans can still show up after bankruptcy—yep, it’s a thing. And the shady credit cycle that keeps folks stuck.

🧠 The Mental Load of Money:

Why some clients still feel broke—even when they’re making great money—and how mindset rewiring is just as important as the math.

📆 From Chaos to Clarity:

How one client finally ditched partial payments and moved to full payments + autopay—after a whole year of messy money habits.

📞 The Dreaded Debt Calls:

We’re not gonna lie—making calls to creditors isn’t fun. But we’re walking you through what to say, how to ask, and what kind of results are actually possible (hint: skipping a $700 car payment? Yep, that happened).

🔄 Breaking the Cycle:

From credit stress to budget confidence—we’re helping our clients stop reacting and start planning, so they never end up in the same spot again.

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 take a second to rate & review the show! It helps us reach more people—just like you—who are ready to change their financial future. 🔔 Don’t forget to follow so you never miss an episode! 💌 And if you're feeling extra generous, share this podcast with a friend who needs it. We’d be so honored. 🙌

⁠Click here to view our privacy policy.⁠ 

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Hey budget besties! 💛

Have you made your June budget yet? If not—don't worry! This episode is your cue to grab that pen and paper (or open your budget spreadsheet) because we're walking you step-by-step through creating your June budget together.

We’re talking:

1. ✅ Closing out May’s budget (yes, you need to do this first!)
2. 💸 Updating your actual numbers—not just what you planned
3. 🔁 Getting honest about surprise bills and shifting plans
4. 🧾 Starting June off ahead by using May’s last paycheck
5. 💳 Listing debt minimums only—so we can make a powerful payoff plan later
6. 🏡 Bills that reflect your real life (hello massages and Pilates!)
7. 🛍️ Budgeting for spending categories that make your life work—groceries, gas, date nights, kids' field trips, and YES, your personal money too!
8. 🎉 Adding in all the extras—Father’s Day, 4th of July prep, birthday parties, and last-minute summer fun
9. 💰 Getting serious with savings buckets and your debt payoff game plan

Whether your June looks busy, laid back, or somewhere in between—this budget will make sure your money is working for you and not the other way around.

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

Curious? Start Here for Free!

Ready? Buy Our Simplified Budget System Now!

Budget besties, this one’s for you if you’re juggling multiple jobs, navigating biweekly paychecks, and trying to climb out of credit card debt with your sanity (and maybe a little spending money) intact. 🙌

In this episode, Shana and Vanessa coach a nurse who’s stepping into her full-time income post-grad school, looking for a plan that brings clarity and peace to her money. Together, we break down how to budget on a biweekly paycheck, how to stop the “dump money on debt then panic” cycle, and why a Bills Account is about to become your new favorite money hack.

We also dig into how to handle credit card balances strategically—especially when a 0% intro APR is about to expire. (Spoiler: You can call your credit card company and ask for a lower interest rate. We’ll tell you exactly what to say.)

What we cover:

1. How to organize your monthly budget when you're paid every two weeks 🗓️
2. Why you need separate accounts for bills, groceries, and fun money 🍕💅
3. The truth about making extra debt payments (and why we start with minimums first) 💳
4. How to call your credit card company and negotiate a better rate (yes, really!) 📞
5. Creating a plan for per diem income that actually helps instead of disappearing into the abyss 💸
6. Getting out of the cycle of financial shame and starting fresh with a plan that works 🌱

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

Curious? Start Here for Free!

Ready? Buy Our Simplified Budget System Now!

Budget Besties, buckle up! Today, we're inviting you behind the scenes of our private coaching calls to dish out the real-life budget wins, tough decisions, and "wait, should I buy a zebra?" moments from our amazing clients. If they’re going through it, chances are you are too — so let’s break it all down together.

From surprise escrow refunds and dream farms (complete with cows, chickens, and yes... zebra requests 🦓) to the real cost of keeping an old house — we’re talking about how to prioritize when everything feels important.

You’ll hear:

1. How one client used a tax refund to unlock a future cattle business — but only after making the right money move first.
2. Why a bougie birthday and high-end daycare didn’t derail another client’s financial progress.
3. What happens when income’s flowing, but the accounts are too scattered to tell what’s really going on.
4. And why not everyone wants to be debt-free right now — and how that can still be part of a strong, confident money plan.

We’re here to show you it’s not about doing everything perfectly — it’s about doing what works for you, and doing it with clarity, confidence, and a whole lot of grace. 💛

✨ Real-Life Takeaways:

1. Prioritize the money move that unlocks future wins. (Fixing up the old house first = cash for the farm later!)
2. Use windfalls (like tax refunds or bonuses) intentionally — a plan means you won’t blink and wonder where it all went.
3. Simplicity is key: too many accounts = too much confusion.
4. You get to decide your goals. If saving cash gives you peace of mind more than paying off debt, that’s valid.
5. Budgeting isn't about deprivation — it’s about direction.

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

Curious? Start Here for Free!

Ready? Buy Our Simplified Budget System Now!

You’ve heard of a no spend month.

You’ve maybe even tried one.

And if you’re like most of us—you probably ended up at Target with a cart full of “oops.” 😅

In this episode, we’re unpacking the real truth about no spend months: why they feel productive but usually don’t solve the root problem. Our special guest, budget bestie Bethany, joins us to share her real-life experience going through one (spoiler: her coffee shop noticed she was gone 👀).

We cover:

1. What a no spend month actually looks like with a big, busy family (and coffee-loving parents!)
2. The real reason we tend to overspend in the first place
3. How binge-spending sneaks in right after restriction
4. The budget-friendly alternative that helps you spend on purpose without the guilt spiral
5. Plus, how Bethany’s family is now teaching their kids to manage money with weekly spending limits

If you've been thinking about a financial reset, don’t start with restriction—start with a real system that helps you spend, save, and breathe. Because budgeting isn’t about saying “no” to everything. It’s a

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

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Ready? Buy Our Simplified Budget System Now!

We’re bringing you one of our favorite kinds of episodes—a real story from a real budget bestie who decided enough is enough. Missy joined us after trying to DIY her budget (like so many of us do), but when she saw the numbers? Let’s just say the highlighters came out and so did the coaching call.

In this episode, you’ll hear:

1. How Missy went from “Where is my money going?” to saving over $2,000 a month
2. The surprising things she changed (like re-quoting her insurance!) that saved her thousands
3. The mindset shift that helped her finally feel in control of her finances
4. Why downsizing her home and organizing her savings buckets was a game-changer
5. And how she’s still crushing it post-coaching—she paid off $17,000 more in debt in just 3 months on her own!

From working two jobs to becoming a travel agent to creating 13 (!) bank accounts, Missy’s journey is proof that when you commit, get clarity, and stick with it—you’ll see results faster than you ever thought possible.

If you’ve been stuck in “I’ll figure it out later” mode, this is your sign.

Financial peace is just a system—and a little coaching—away. 💛

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

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Ever feel like you're playing a constant game of "Can we afford this?" with your partner? 😅

This one’s for you.

We’re diving into the simple, powerful tool that has changed the way couples (and individuals!) manage their money: separate spending accounts.

We know—it sounds so basic. But once you actually do it?

🙌 The freedom.

🙌 The peace.

🙌 The end of the weird parent/child money dynamic that no one wants.

In this episode, we’re sharing:

1. Real-life coaching stories from couples who went from friction to freedom just by adding accounts
2. How this shift gives both partners autonomy, trust, and clarity
3. Why this one change can eliminate fights, judgment, and constant permission-seeking
4. A few powerful lessons from clients who paid off debt, made mistakes (hello, double truck payment 😬), and kept their calm because of the systems they now have in place
5. Why you might be just one good budget and a few renamed bank accounts away from breakthrough

Oh—and we’re hinting at our brand new national research study on finances and marriage... and the results are wild. Stay tuned for that drop soon!

Remember: It’s not about tracking harder. It’s about designing a system that works with your real life—and actually brings peace to your relationship and your brain.

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

Curious? Start Here for Free!

Ready? Buy Our Simplified Budget System Now!

Ever wish your bank could do more than just hold your money?

Same. That’s why in this episode, we’re showing you how to put your bank to work—like your very own financial assistant. 💼💁‍♀️

We're breaking down 9 specific, budget-friendly tasks your bank can totally handle for you—saving you time, brain calories, and that sinking feeling when you're trying to remember if your electric bill got paid (spoiler alert: it did, automatically!).

Here’s what we cover:

1. Why a Bills Account is a non-negotiable (seriously—peace of mind in an account!)
2. The power of separate accounts for less mental math and more clarity
3. How automatic transfers can make saving and spending way easier
4. What naming your accounts does for your brain (and your budget)
5. The magic of hiding certain accounts (out of sight = out of swipe 👀)
6. Why ACH payments > debit cards for paying bills
7. What direct deposit into your Bills Account unlocks (hello, fully planned paycheck!)
8. And yes—why setting up Kids Accounts is a parenting win

We’re not here to add more to your to-do list—we’re here to delegate it to your bank so you can stop micromanaging your money and start living your life. 🙌

Let’s Take Our Relationship To The Next Level:

1️⃣ Facebook Group ➡︎ budgetbesties.com/facebook

2️⃣ Be on the Podcast ➡︎ budgetbesties.com/livecall

3️⃣ Private 1-on-1 Coaching. ➡︎ budgetbesties.com/coaching

This podcast is for educational and informational purposes only and is not personal financial, legal, or tax advice.

This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase.

Click here to view our privacy policy. https://budgetbesties.com/privacy

👉 Join Anna’s FREE 5-Day Take Back Your Time Challenge!

We’re back with our time management queen, Anna Dearmon Kornick, and y’all—it’s like peanut butter and jelly: time and money just go together! IFeeling like there’s never enough time? In this episode, we’re joined by time strategist Anna Kornick to explore a new, purpose-driven approach to managing your time—without burnout, guilt, or trying to do it all. If your life feels too full and your to-do list never ends, this conversation will show you how to align your schedule with your values, take back your time, and finally feel more present and peaceful in your season.

Whether you're overwhelmed by your calendar, struggling to say no, or trying to create space for what matters most, this is for you.

Anna shares why time management isn’t about doing more, it’s about doing what matters most. We talk about:

1. Why the words you speak about time totally shape your reality (seriously—mindset matters)
2. The magic of a today list vs. an endless to-do list (hello, 5 to 7 doable tasks!)
3. Real-life friction points (like the socks... oh, the socks) and how tiny tweaks can free up your mental space
4. Why saying no to some things is saying yes to your values
5. How personalized time systems can change your life—and your bank account

💬 Key Ideas: how to take back your time, realistic time management for women, mindset shift for busy moms, aligning your time with your values, how to stop feeling overwhelmed

Anna’s 5-day challenge kicks off May 12 and it’s exactly what we all need as summer chaos rolls in. Let’s finally feel in control of our calendars and our cash.

📍Resources & Links:

• Sign up for the challenge: https://annadkornick.com/budgetbesties

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!

Today, we're taking you behind the scenes of our private coaching sessions to share the real stories, real challenges, and real wins that come with building a budget that works in the messy moments of life. From surprise moving costs and mortgage pressure to sneaky Apple charges and Costco overspending, we’re breaking it all down. These lessons are too good to keep behind closed doors—because if our clients are dealing with it, chances are you are too.

Whether you're in the middle of a big life change or just trying to keep your grocery budget under control, this episode is full of practical takeaways and comforting reminders. We’ve got your back through every budgeting curveball.

What We Talk About:

1. Why moving always costs more than you think

2. The 15-year vs. 30-year mortgage debate (especially for single income households)

3. How a few forgotten subscriptions can wreck next month’s budget

4. The danger of “extra” money sitting in your account

5. When buying the dream house means saying no to everything else—for a season

6. Credit card points vs. actual financial peace

7. Our honest (maybe unpopular) opinion on Costco and bulk stores

Budget Takeaways:

1. Moving is messy—plan as much as you can, but give yourself grace when the numbers don’t look perfect.

2. Debt freedom takes sacrifice. But short-term discomfort can create long-term options.

3. Put your bills in one account and pull your rollover money out—no temptation!

4. If there’s no wiggle room in your budget, it’s not the right time for a 15-year mortgage.

5. Credit card points are not a budgeting strategy. They’re a trap. (We said what we said.)

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 take a second to rate & review the show! It helps us reach more people—just like you—who are ready to change their financial future. 🔔 Don’t forget to follow so you never miss an episode! 💌 And if you're feeling extra generous, share this podcast with a friend who needs it. We’d be so honored. 🙌

⁠Click here to view our privacy policy.⁠ 

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Hey there, budget besties! 💸

We get this question all the time: “What bank should I use?” And honestly? We wish it were as easy as tossing out a perfect recommendation—but it’s not that simple.

In this episode, Shana and Vanessa are giving you all the tools you need to pick the right bank (or credit union!) that actually works for your budget, not against it. Think of it like this: your bank is your personal assistant, and you’re the CEO. Time to do some hiring! 👩‍💼💼

We walk you through a full bank interview checklist—the exact questions you need to ask to make sure your bank is helping you automate, organize, and protect your money goals.

✨ What we cover:

1. Why your bank (or credit union) should fit your budget style, not the other way around
2. The non-negotiables you need from your bank (spoiler: multiple accounts and no hidden fees)
3. Why local credit unions are sometimes a secret weapon
4. How your bank could be slowing down your budgeting progress
5. What to look for in your bank’s app and online features

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

Curious? Start Here for Free!

Ready? Buy Our Simplified Budget System Now!

Hey budget besties! 💸 Buckle up—this episode is bringing big truth, real talk, and some absolutely fire metaphors. 🚗💨

We’re sitting down with our friend Chad Hufford from Blue Collar Millionaire to talk about how more money isn’t the answer if you don’t have a solid plan. This is for all of us—whether you’re bringing in $7K or $50K a month—because how you manage your money is what really determines your financial freedom.

If you’ve ever said:

1. “I make good money, but I’ve got nothing to show for it.” 🙋‍♀️
2. “I’ll invest when I earn more.” ⏳
3. “Retirement? That’s future me’s problem.” 😬

Then this is your episode.

Here’s what we dive into:

1. 💥 Why you can’t out-earn bad money habits
2. 🛻 How truck drivers and welders become millionaires (yes, really!)
3. 🧱 Why investing without a plan is like building a house in a forest fire
4. 💰 How to reverse-engineer your retirement lifestyle with today’s budget
5. 🛠️ Why the “right tool” (not just income) makes all the difference
6. 🚗 And the truth about Ferrari finances vs. Geo Metro habits (iconic metaphor alert!)

We’re also talking about:

1. Shifting from “retiring from something” to “retiring to something” 💡
2. Casting a vision you’re actually excited about—no matter your income
3. How the same principles apply across blue-collar and white-collar worlds
4. And how your current habits can make or break your future lifestyle

Connect with Chad:

• 📚 Forging Financial Freedom – Available on Amazon
• 🎧 Blue Collar Millionaire Podcast
• 🌐 VeritasAlaska.com (Don’t worry, you don’t have to move to Alaska to get the goods!)
• 📱 IG: @veritasalaska

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

Curious? Start Here for Free!

Ready? Buy Our Simplified Budget System Now!

Hey budget besties! This month, we're shaking things up. We sat down with our girl Carrie and her amazing Disruptive Nutrition community to walk through—in real time—exactly how we build May’s budget. So if you've been putting it off, consider this your official sign. Let’s go!

In this jam-packed, workshop-style episode, we break down our full budget system step by step: income, debt, bills, spending, and savings. You'll learn how to set up a hands-off, automated budget that works with your real life—one that helps you live your purpose without worrying if your card will go through at Target.

✨ Highlights:

• The “B word” doesn’t have to be scary—we make it simple and beautiful.
• What really belongs in the debt column vs. bills
• Why you need a separate spending account just for the kids (yes, YOU deserve your own money too)
• How to use savings buckets to break the cycle of unexpected expenses
• Setting up paycheck plans that make your budget work for you, not the other way around

If your current money system still looks like what you did at 18, it's time for an upgrade. And don’t worry—we’re not here to make you do math or give up your glam. We're about automating, simplifying, and organizing so you can live freely and spend guilt-free. 💸💅

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

Curious? Start Here for Free!

Ready? Buy Our Simplified Budget System Now!

🎉 400 EPISODES. 1 MILLION PLAYS. 5th BUSINESS BIRTHDAY. 🎉 We accidentally started a podcast… Now here we are: 400 episodes, over 1,000,000 plays, and a business we LOVE. 😍 Today, we're pulling back the curtain: 👉 How the podcast started with yoga mats and umbrellas 🙈 👉 How we juggled multiple businesses before niching down 👉 The turning points that changed EVERYTHING (shoutout Stefanie Gass + Brand Builders Group!) 👉 How we built clear offers, real work hours, and a business that's finally FUN again From rat poop to a million plays... 😂 It’s been a wild ride—and we're just getting started! 🩷 Thanks for being part of our story.

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

Curious? Start Here for Free!

Ready? Buy Our Simplified Budget System Now!

Budget Besties, grab your coffee and your confidence — because this episode is all about stepping into your power as the CFO of your home, even if you’re not bringing in a paycheck. 💪

We’re joined by one of our favorite budget nerd mamas (in the BEST way), who’s sharing her journey from infertility-driven sacrifice to stay-at-home motherhood — and now stepping into the next big financial chapter: planning for retirement on one income.

We’re talking:

1. What stay-at-home moms can do to invest for retirement
2. The right questions to ask about old teacher retirement funds
3. Why Roth IRAs are your best friend (even if you don’t have earned income)
4. How to stop letting cash slip away unnoticed
5. And how to handle the frustration when professionals make you feel small

🧠 What You’ll Learn:

1. Why your money future doesn’t pause just because you’re not working right now
2. What the term “backdoor Roth” means — and how to use it wisely
3. How to take ownership of your old retirement accounts (even if you can’t log in anymore 😅)
4. That you don’t need to know all the financial lingo — you just need a plan
5. And why it’s never too late (or too early) to figure this out

Budgeting isn't just about managing expenses. It's about owning your future. And yes, mama — even while wrangling toddlers and squeezing in grocery trips between naps, you can absolutely be building wealth.

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

Curious? Start Here for Free!

Ready? Buy Our Simplified Budget System Now!

Whew, Budget Besties — this episode is full of real talk and real wins from our coaching clients. From Nashville tattoo artists to newlyweds trying to merge finances without losing their minds, we’re covering it all in today’s behind-the-scenes episode of what it really looks like to get your money life together.

We’re walking through: 💸 Making sense of cash-heavy businesses (yes, even $6K/month in cash!)

🏡 Homemaking budgets and why "making a house a home" is a line item

📱How to untangle Amazon charges (spoiler: you can assign cards by category!)

🧾 Organizing messy savings and crushing debt with clarity

💑 Blending finances as a couple — even when one of you has debt and the other doesn’t

Because budgeting is not about judgment. It’s about creating a system that works for your real life. Whether you’re:

1. Running a six-figure biz with money flying in from all angles
2. Feeling low-key guilty about spending on your home
3. Nervous about your partner seeing just how much credit card debt you’ve got
4. Or overwhelmed by all the bank accounts, credit cards, and loans you’ve been managing solo...

We’ve got you.

🧠 This episode is full of coaching gold:

1. Why cash-based income has to be budgeted or it will disappear
2. The truth about lifestyle creep (and how to check it before it runs away with your goals)
3. How simple changes — like naming your savings or setting spending accounts — lead to massive progress
4. And how to create buy-in with your spouse without a fight

This is what financial clarity looks like: one small, consistent, empowered step at a time. 🧡

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

Curious? Start Here for Free!

Ready? Buy Our Simplified Budget System Now!

Hey, Budget Besties! 💛

Today we’re taking you on a money journey through every season of a woman’s life — from those first babysitting paychecks to living your best bougie grandma life. 🛍️👵🏽✨

Why? Because budgeting matters at every single stage. And when you know what to expect (and how to plan for it), you can build the confident, abundant life you deserve.

We’re diving into:

1. High school budgets (hello, Starbucks and hoodies 🧋🧥)
2. College survival (and how to NOT live off ramen and credit cards)
3. Young marriage and mom life (budgeting for date nights and diapers)
4. Bougie era budgeting (more income, bigger goals—and NO excuses)
5. Empty nesters and retirement (planning for those grandbaby snuggles and that dream trip to Italy 🇮🇹)

Throughout each era, we’re keeping it real about how your budget needs to shift, what habits you need to build (spoiler: savings buckets forever 🪣), and how to use your money with intention instead of living paycheck to paycheck (no matter how much you make!).

🧠 Lessons You’ll Learn:

1. How early budgeting habits create financial confidence for life
2. Why your college student must have a budget (and how to avoid drowning in debt)
3. How to combine finances in marriage without stress or confusion
4. Why high income doesn’t fix money problems — but budgeting does
5. How to step into your wealthy woman era and keep building that legacy

You're not behind, bestie. Whatever stage you're in—you've got time, you've got options, and you've got us cheering you on! 🎉

Let’s Take Our Relationship To The Next Level:

1️⃣ Facebook Group ➡︎ budgetbesties.com/facebook

2️⃣ Be on the Podcast ➡︎ budgetbesties.com/livecall

3️⃣ Private 1-on-1 Coaching. ➡︎ budgetbesties.com/coaching

This podcast is for educational and informational purposes only and is not personal financial, legal, or tax advice.

This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase.

Click here to view our privacy policy. https://budgetbesties.com/privacy

Curious? Start Here for Free!

Ready? Buy Our Simplified Budget System Now!

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

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

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

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

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

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

Mentioned in the Episode:

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

Let’s Take Our Relationship To The Next Level:

1️⃣ Facebook Group ➡︎ budgetbesties.com/facebook

2️⃣ Be on the Podcast ➡︎ budgetbesties.com/livecall

3️⃣ Private 1-on-1 Coaching. ➡︎ budgetbesties.com/coaching

This podcast is for educational and informational purposes only and is not personal financial, legal, or tax advice.

This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase.

Click here to view our privacy policy. https://budgetbesties.com/privacy

Curious? Start Here for Free!

Ready? Buy Our Simplified Budget System Now!

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

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

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

✨ Paying taxes on time for the first time EVER

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

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

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

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

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

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

Let’s Take Our Relationship To The Next Level:

1️⃣ Facebook Group ➡︎ budgetbesties.com/facebook

2️⃣ Be on the Podcast ➡︎ budgetbesties.com/livecall

3️⃣ Private 1-on-1 Coaching. ➡︎ budgetbesties.com/coaching

This podcast is for educational and informational purposes only and is not personal financial, legal, or tax advice.

This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase.

Click here to view our privacy policy. https://budgetbesties.com/privacy

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

Curious? Start Here for Free!

Ready? Buy Our Simplified Budget System Now!

Heyyy, budget besties! 🙌

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

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

Here's what we cover in this episode:

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

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

Golden Nugget 💡

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

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

Let’s Take Our Relationship To The Next Level:

1️⃣ Facebook Group ➡︎ budgetbesties.com/facebook

2️⃣ Be on the Podcast ➡︎ budgetbesties.com/livecall

3️⃣ Private 1-on-1 Coaching. ➡︎ budgetbesties.com/coaching

This podcast is for educational and informational purposes only and is not personal financial, legal, or tax advice.

This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase.

Click here to view our privacy policy. https://budgetbesties.com/privacy

Curious? Start Here for Free!

Ready? Buy Our Simplified Budget System Now!

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

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

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

In this episode, we cover:

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

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

Let’s Take Our Relationship To The Next Level:

1️⃣ Facebook Group ➡︎ budgetbesties.com/facebook

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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.

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

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

✨ Introducing: Digital Cash Stuffing

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

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

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

This is budgeting for your busy, boss-level life. 💻✨

Let’s Take Our Relationship To The Next Level:

1️⃣ Facebook Group ➡︎ budgetbesties.com/facebook

2️⃣ Be on the Podcast ➡︎ budgetbesties.com/livecall

3️⃣ Private 1-on-1 Coaching. ➡︎ budgetbesties.com/coaching

This podcast is for educational and informational purposes only and is not personal financial, legal, or tax advice.

This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase.

Click here to view our privacy policy. https://budgetbesties.com/privacy

Visit Shan's ⁠Website!⁠

Check out her podcast Holistic Moms!

Curious? Start Here for Free!

Ready? Buy Our Simplified Budget System Now!

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

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

We dive into:

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

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

🛠️ Two key takeaways:

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

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

💬 Favorite Quotes:

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

– Shana

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

– Shan

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

– Shan

📲 Let’s Be Social:

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

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

Let’s Take Our Relationship To The Next Level:

1️⃣ Facebook Group ➡︎ budgetbesties.com/facebook

2️⃣ Be on the Podcast ➡︎ budgetbesties.com/livecall

3️⃣ Private 1-on-1 Coaching. ➡︎ budgetbesties.com/coaching

This podcast is for educational and informational purposes only and is not personal financial, legal, or tax advice.

This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase.

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

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

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

Here’s what we cover in this episode:

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

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

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

🧠 How to automate your bills so they literally pay themselves

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

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

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

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

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

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

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

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

Let’s Take Our Relationship To The Next Level:

1️⃣ Facebook Group ➡︎ budgetbesties.com/facebook

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3️⃣ Private 1-on-1 Coaching. ➡︎ budgetbesties.com/coaching

This podcast is for educational and informational purposes only and is not personal financial, legal, or tax advice.

This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase.

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

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

Here’s what we walk through together:

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

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

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

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

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

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

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

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

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

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

Let’s Take Our Relationship To The Next Level:

1️⃣ Facebook Group ➡︎ budgetbesties.com/facebook

2️⃣ Be on the Podcast ➡︎ budgetbesties.com/livecall

3️⃣ Private 1-on-1 Coaching. ➡︎ budgetbesties.com/coaching

This podcast is for educational and informational purposes only and is not personal financial, legal, or tax advice.

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

💸 What We Covered:

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

🔥 Bestie Takeaways:

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

Let’s Take Our Relationship To The Next Level:

1️⃣ Facebook Group ➡︎ budgetbesties.com/facebook

2️⃣ Be on the Podcast ➡︎ budgetbesties.com/livecall

3️⃣ Private 1-on-1 Coaching. ➡︎ budgetbesties.com/coaching

This podcast is for educational and informational purposes only and is not personal financial, legal, or tax advice.

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Hey Budget Besties! 👋 We’re throwing it back to one of our favorite convos with our girl Tracy Hoth over on The Organized Coach Podcast. If the words “budget” and “finances” make you wanna hit pause, stick with us—we’re making it fun, shame-free, and maybe even a little bougie. 💅

In this episode, we chat with Tracy about:

1. Our journey from church friends to business besties (with a budget twist!)
2. How we tripled our podcast growth by going extra (yes, we do three episodes a week 🙈)
3. The real reason people struggle with budgeting (spoiler: it’s not just the numbers)
4. How we took the envelope system digital and made budgeting beautiful
5. What it means to be bougie on a budget—yes, you can have your PSL and still pay off debt ☕💸
6. Our no-shame, all-gain system for organizing your money in a way that feels good and actually works

We’re sharing how our clients go from “I don’t know where my money is going” to “We just saved $20K in six months,” and why financial clarity is the ultimate flex.

💻 Want to know more about our personalized budget templates, group coaching, or our six-month coaching packages? This episode gives you a peek into the magic of working with us.

No more financial overwhelm. Just systems, simplicity, and space to dream a little bigger.

Let’s Take Our Relationship To The Next Level:

1️⃣ Facebook Group ➡︎ budgetbesties.com/facebook

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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.

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Feel like budgeting means giving up your coffee runs, tracking every dollar, or living on beans and rice? Think again. In this episode, we’re breaking down the 5 budgeting basics that work for every budget—whether you're just starting out, living on irregular income, or totally overwhelmed by the idea of budgeting.

We’ll show you how to create a simple, effective budget without obsessively tracking every expense or using complicated apps. This is a stress-free, no-shame guide to managing your money in a way that’s clear, empowering, and actually doable—no matter your income, lifestyle, or past budgeting fails.

If you’ve ever said, “I just don’t know where my money goes,” or “I don’t even know where to start,” this episode is for you.

💬 What You’ll Learn:

1. The 5 essential parts of any budget (in plain English)
2. How to budget with irregular income or multiple income streams
3. Why you don’t have to track every expense to be successful
4. How to set up a budget that gives you clarity, peace, and flexibility
5. Real-life examples and mindset shifts that make budgeting feel doable

This is budgeting without the overwhelm—progress over perfection, grace over guilt. Let's simplify your money and set you up for long-term financial peace. 💛

Let’s Take Our Relationship To The Next Level:

1️⃣ Facebook Group ➡︎ budgetbesties.com/facebook

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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.

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Budget Besties, we’ve got a treat for you! Meet Semajh—a 29-year-old child of God, self-proclaimed America’s Sweetheart, and a man on a mission to afford (not just buy!) 300 luxury cotton pajamas. Yes, he knows his Pima from his Supima, and yes—he’s doing it the bougie and budget-savvy way.

In this hilarious and heartfelt episode, Semajh walks us through his journey from struggling with a clunky budgeting app to discovering a system that actually works for real life. He’s getting ahead on his bills, setting up buckets (from “New Teeth” to “10% and Then Some”), and feeling what it’s like to truly trust his budget.

We chat about:

1. Why separate accounts are everything 👏🏽
2. How to break free from the paycheck-to-paycheck grind
3. Making room for joy (and pajamas!) without breaking your budget
4. The plan to reclaim 24% of his income from debt
5. And why he’s holding out on that dental discount—with purpose

Semajh reminds us all: budgeting isn’t about deprivation. It’s about alignment. His confidence, clarity, and commitment to doing things differently? Pure inspiration.

Let’s Take Our Relationship To The Next Level:

1️⃣ Facebook Group ➡︎ budgetbesties.com/facebook

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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.

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Budget besties, we’re back with another round of Lessons from the Sessions—real-life money wins, dilemmas, and breakthroughs straight from our coaching calls!

This week, we’re diving into:

✨ Rental property reality check—Is it truly making you money or just draining your budget?

✨ Inconsistent income budgeting—How to set up an income holding account so you’re never short on cash.

✨ Big bonuses, big decisions—How to make smart moves with large lump sums instead of letting them sit (or disappear).

✨ The illusion of a "cheap" vacation—Spoiler alert: Staying with family doesn’t mean a free trip. Let’s budget wisely!

No fluff, just real financial strategy that helps you keep more money in your pocket and stress off your plate. Let’s get into it! 🎧💰

Let’s Take Our Relationship To The Next Level:

1️⃣ Facebook Group ➡︎ budgetbesties.com/facebook

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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.

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Snag Our Simplified Budget System!

Hey, budget besties! In this episode, we’re diving deep into seven popular budgeting methods—and let’s just say, we have thoughts. 😏 You’ve probably heard of things like zero-based budgeting, cash stuffing, the 50/30/20 rule, and the FIRE method—but are they really the best ways to manage your money? We’re breaking them all down, giving you the real talk on what works, what doesn’t, and why our budgeting system is the ultimate game-changer.

Here’s what we’re covering:

💰 Paycheck Planning – Why assigning bills to each paycheck keeps you stuck in the paycheck-to-paycheck cycle.

🔥 Zero-Based Budgeting – Great in theory, but do you really have to feel broke every month? (Spoiler: No.)

📊 50/30/20 Rule – Sounds cute, but is it actually realistic? We have questions.

💵 Cash Envelopes – A classic, but we’re in a digital world, and we have a better way.

🚀 FIRE (Financial Independence, Retire Early) – Love the vision, but maybe let’s not sacrifice everything fun?

🧐 Tracking Expenses – Let’s be clear: this is NOT budgeting, and we’re here to tell you why.

🙈 No Budget (a.k.a. The Hope & Pray Method) – If this is you, it’s okay, we still love you—but we gotta talk.

Let’s Take Our Relationship To The Next Level:

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Snag Our Simplified Budget System with Lauren's discount!

🚀 What if you could pay off $50,000 in debt, pay cash for travel, Christmas, and even college tuition—all in one year? Our guest Lauren did just that using our Simplified Budget System, and today, she’s sharing exactly how she did it!

💡 What You'll Learn in This Episode:

✅ How Lauren went from tracking receipts & feeling behind to having total clarity

✅ The biggest budgeting mistake she made before switching to our system

✅ How she discovered she actually had more money than she thought

✅ Why opening multiple bank accounts changed everything

✅ How she and her husband now budget with ease & less stress

✅ Her #1 favorite budgeting tool that made all the difference

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.

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🚨 Travel sports are EXPENSIVE. 🚨 They’re eating up your budget—and we get it, because we’re right there with you! But instead of feeling blindsided by all the unexpected costs, let’s make a plan to budget for travel sports the right way—so you can enjoy the experience without the financial stress!

🎯 Grab our free Travel Sports Budget Worksheet at budgetbesties.com/sports and start planning today!

💡 What You'll Learn in This Episode:

✅ The true cost of travel sports (spoiler: it’s more than just team fees!)

✅ How to stop being surprised by unexpected expenses

✅ The best way to plan & save for sports costs all year long

✅ Tips to cut costs and make travel sports more affordable

✅ How to get your kids involved in funding their own sports expenses

Let’s Take Our Relationship To The Next Level:

1️⃣ Facebook Group ➡︎ budgetbesties.com/facebook

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This podcast is for educational and informational purposes only and is not personal financial, legal, or tax advice.

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It’s time for another Lessons from the Sessions episode! 🙌 In this series, we take real-life situations from our private coaching clients and bring them straight to YOU so you can learn, apply, and make progress with your finances.

💡 What You'll Learn in This Episode:

✅ How a young couple stopped relying on debt to pay for work tools

✅ Why creating a mock budget before making big life changes is a game-changer

✅ The moving budget blueprint to avoid surprise expenses

✅ A simple savings strategy to break the cycle of stress when big bills come due

✅ How to make your money feel steady instead of a roller coaster 🎢

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.

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Budget besties, this episode is for all of us who feel like we're constantly running out of time and money (aka everyone?!). We’re hanging out with our friend, fellow pink-lover, and time management queen, Carrie Lupoli! She’s breaking down how to get more intentional with our time, reduce stress, and even save money in the process. Spoiler: It's not about getting more hours in a day (because, yeah, we all get 168). It’s about using them better.

Carrie is a nutritionist, business owner, and time management expert who helps women get their schedules under control so they can live with less stress and more intention!

What We’re Talking About Today:

• ✨ Why time is like liquid—and how to control it instead of letting it control you
• ⏳ The simple trick to stop feeling always busy
• 📅 How to actually plan your week so you get things done without burning out
• 🌮 Why meal planning is basically a money-saving superpower
• 💡 The one thing every woman needs in her morning routine (seriously, don’t skip this!)
• 💰 How being intentional with your time helps your finances, too

Favorite Takeaways:

• 📝 Brain dump your week—Once you see where your time really goes, you’ll be shocked at what you can reclaim.
• 🛑 Plan for margin—Back-to-back schedules set you up for failure. Give yourself breathing room!
• 🎯 Three big rocks per day—Not 37. Not 10. Just three.
• ⏰ Morning time is non-negotiable—Think of it as wiping off yesterday’s “bird poop” (you have to hear this analogy!).

If you’ve ever said “I don’t have time” while also wondering where the week went, this episode is a game-changer. Listen in, take notes, and let’s take back our time and our money, one intentional step at a time!

Find Carrie & Start Your Morning Time Right:

📲 Follow her on Instagram: @Carrie_Lupoli

🎥 Join her live every morning at 6:45 AM ET for daily declarations & mindset shifts

Let’s Take Our Relationship To The Next Level:

1️⃣ Facebook Group ➡︎ budgetbesties.com/facebook

2️⃣ Be on the Podcast ➡︎ budgetbesties.com/livecall

3️⃣ Private 1-on-1 Coaching. ➡︎ budgetbesties.com/coaching

This podcast is for educational and informational purposes only and is not personal financial, legal, or tax advice.

This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase.

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Moms, we see you juggling a million things—work, kids, school drop-offs, sports, meal planning… the list never ends! 😅 The last thing you need is a complicated budget adding stress to your life.

In today’s episode, we’re sharing simple, time-saving budget shortcuts that will help you:

✅ Avoid overspending (even on groceries!)

✅ Automate your bills so you never miss a payment

✅ Plan for your kid’s surprise expenses (because they always pop up!)

✅ Use your bank accounts to do the budgeting for you

✅ Set up systems that make your money run on autopilot

With these hacks, you’ll know exactly where your money is going—without constantly tracking transactions or crunching numbers in your head at the checkout line!

💡 Top Budgeting Shortcuts from the Episode:

🔹 Separate your accounts – One for bills, one for spending. No more guessing if your bills are covered!

🔹 Automate EVERYTHING – Your income, bills, and savings should all be happening without you having to lift a finger.

🔹 Plan for kid expenses – Field trips, birthday gifts, and snacks are not surprises. Build them into the budget!

🔹 Set up grocery orders & Amazon Subscribe & Save – Less time shopping, more time doing literally anything else.

🔹 Have a restaurant budget – Because let’s be real, there will be drive-thrus in your future. Plan for them!

🔹 Use a Snacker Box for sports & school – A game-changer for on-the-go eating (and avoiding impulse snack stops!).

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

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Ready? Buy Our Simplified Budget System Now!

Hey Besties! 👋 Today’s episode is all about balancing a growing family, budgeting for big goals, and figuring out the path to financial freedom. Our guest Megan is a mom of SIX (yes, six!), working full-time while trying to pay off debt, stick to a grocery budget, and make her dream of staying home with her kids a reality. If you've ever felt like your budget is just not budgeting, this episode is for you.

💡 What You’ll Hear in This Episode:

✨ How to budget when your income fluctuates from month to month.

✨ The key to setting up bank accounts that force you to stick to your budget (especially for groceries!).

✨ Why making a budget on your lowest income month can save you major stress.

✨ How to prep financially for big family events (like a quinceañera!) without derailing your money goals.

✨ Simple side hustle ideas for busy parents who don’t have a lot of extra time.

✨ How to create a clear, realistic plan to pay off debt and finally start saving.

Megan’s story is so relatable—she’s juggling it all and trying to make smart financial decisions that will set her family up for success. If you’ve ever struggled with food budgeting, paying off debt, or making a big financial change, you’ll walk away from this episode with real, actionable steps to get on track!

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

Curious? Start Here for Free!

Ready? Buy Our Simplified Budget System Now!

Hey Besties! 👋 Today’s episode is a powerful one. We’re sitting down with Candace, an incredibly strong and inspiring woman who’s on a journey to take back control of her finances after years of letting others manage them. If you’ve ever felt overwhelmed, afraid to look at your numbers, or unsure of where to even start—this conversation is for you.

💡 What You’ll Hear in This Episode:

✨ The emotional and mental challenges of stepping into financial independence.

✨ Why not knowing your numbers is scarier than facing them head-on.

✨ How to separate business and personal finances (without the stress).

✨ What to do when life knocks you down—and how to rise again, stronger than ever.

✨ The importance of setting a budget, even when living off savings, to give yourself a roadmap.

✨ How to shift from survival mode to a plan for growth and financial stability.

Candace’s story is one of resilience, rebuilding, and taking back power over her life and finances. If you’ve ever felt like you don’t know where to start, this episode will give you the clarity and encouragement to take that first step. 💖

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

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Hey, Besties! 👋 We’re throwing it back to one of our favorite guest episodes with our friend Paige from The Money Love Podcast! If you’ve ever thought of budgeting as the dreaded "B-word" (👀), we’re here to change your mind.

💰 What We’re Talking About:

✨ Why traditional budgeting makes people shut down—and how to do it differently.

✨ The biggest mindset hurdles that keep people stuck (hint: “I should already know this” is a big one).

✨ How our Simplified Budget System takes the stress out of managing money—no more tracking every expense!

✨ The power of separating your accounts (seriously, your bank should be your personal assistant).

✨ Why “unexpected expenses” actually aren’t that unexpected—and how to plan for them.

✨ The secret to paying off debt while still enjoying life (yes, you can have your PSL and pay off debt too 😉).

If budgeting has ever felt restrictive, complicated, or just plain boring—this episode is a must-listen! 🎧 We’re all about making money work for your lifestyle without feeling like you’re stuck in a financial bootcamp.

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

Curious? Start Here for Free!

Ready? Buy Our Simplified Budget System Now!

Budget besties, can you believe it’s already March?! We’re feeling all the emotions—kids moving up grades, summer creeping up, and, of course, it’s time to roll into a brand-new budget. In this episode, we’re walking you through how to close out February and set up your March budget step by step. We’ll talk about income tracking (yes, that tax refund counts!), adjusting for fluctuating bills, planning for spring break, and making sure those savings buckets are ready for summer fun. Plus, we’re sharing some real client wins—like paying for vacations in cash, combining finances, and saying goodbye to credit card debt. Let’s get organized, make a plan, and have a stress-free March!

What You’ll Learn in This Episode:

💰 How to close out February’s budget properly

📅 Step-by-step breakdown of setting up March’s budget

🛑 The importance of tracking income, including side hustles & refunds

💡 How to handle fluctuating bills & unexpected expenses

💳 Why paying extra on debt should be part of your plan

🏖 Planning ahead for summer & spring break expenses

💸 How one client is funding their vacation completely in cash (game changer!)

🚗 Saving for big purchases—like that new car—without feeling overwhelmed

Budget Bestie Wins We’re Celebrating:

🎉 A client paying off student loans with a work bonus

🎉 A family paying cash for their entire spring break trip for the first time ever

🎉 A couple combining finances (without financial stress)

🎉 A debt-free client now saving for a new truck & dream vacations

Ready to Make March Your Best Budget Month Yet?

If you don’t have a budgeting system yet, now’s the time to get one in place! We love our Simplified Budget System because it makes planning so much easier. And if you need help figuring it all out, reach out—we’ve got you!

Let’s Take Our Relationship To The Next Level:

1️⃣ Facebook Group ➡︎ budgetbesties.com/facebook

2️⃣ Be on the Podcast ➡︎ budgetbesties.com/livecall

3️⃣ Private 1-on-1 Coaching. ➡︎ budgetbesties.com/coaching

This podcast is for educational and informational purposes only and is not personal financial, legal, or tax advice.

This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase.

Click here to view our privacy policy. https://budgetbesties.com/privacy

Curious? Start Here for Free!

Ready? Buy Our Simplified Budget System Now!

Budget Besties, if there was a drinking game for this podcast, the keyword would be... AUTOMATE! 🍾🥂

We say it ALL. THE. TIME. And for good reason—automation is the key to making your budget actually WORK.

Because let’s be real… you don’t need another budget, you need a budget SYSTEM. One that runs on autopilot so you can spend less time stressing over money and more time living your life.

This episode is all about:

✅ Why automation is the secret to financial success

✅ How to set up automatic bill payments, spending, and savings buckets

✅ How to ditch financial chaos and take back control of your money

If you’ve ever felt overwhelmed by budgeting, THIS is your episode! 🎧

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

Curious? Start Here for Free!

Ready? Buy Our Simplified Budget System Now!

Budget Besties, listen up! 💰✨ We’ve made it to the final (and arguably most exciting) piece of your budget puzzle—SAVINGS BUCKETS! 🎉

You know those “unexpected” expenses that pop up and throw your whole budget into chaos? Yeah… we’re about to eliminate them for GOOD. 🚫💥

In this episode, we’re breaking down:

✅ What savings buckets are and why they’re game-changing

✅ How to plan and fund them (so you never scramble for cash again)

✅ How to automate your savings so it’s effortless

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

Curious? Start Here for Free!

Ready? Buy Our Simplified Budget System Now!

Hey, Budget Besties! 💸✨ Ready to talk about the part of budgeting that actually impacts your daily life? We’re diving into spending—how to set up a plan that gives you freedom, confidence, and guilt-free swiping. 🎉

This episode is all about:

✅ Making a plan for your spending (instead of letting your bank account decide for you)

✅ Why budgeting isn’t restrictive—it’s about permission to enjoy your money

✅ How to organize your spending accounts so you never wonder, "Can I afford this?"

🚨 You don’t know exactly how much money you have to spend

🚨 You’re constantly transferring money between accounts (or swiping a credit card)

🚨 You’re left guessing if your bills will clear before payday

🚨 You feel guilty after shopping or eating out (hello, money regret!)

Sound familiar? You’re not alone. But we’ve got the fix. ⬇️

Step 1: Identify Your Spending Categories

💰 Gas & Groceries (The essentials—where you spend every week!)

💰 Personal Spending (Your judgment-free fun money—yes, Starbucks included!)

💰 Entertainment/Family Fun (Restaurants, movie nights, zoo trips—this keeps fun in the budget!)

💰 Kids (For all the little surprise expenses—school parties, field trips, activities, etc.)

💰 This Month’s Expenses (One-time things like haircuts, gifts, or unexpected doctor visits!)

👉 Pro Tip: If something happens every month, it’s spending. If it happens only a few times a year, it goes into savings buckets (which we’ll talk about next episode!).

Step 2: Set a Budget for Each Category

Go back 90 days and look at your actual spending. No made-up "I’ll only spend $100 on food" goals. Set realistic numbers based on real spending habits.

Step 3: Decide—Cash or Debit?

💳 Use debit cards if you prefer digital tracking (a.k.a. digital cash envelopes)

💵 Use cash if you struggle with overspending and need the hard limit

🛑 No more credit cards! (We’re done with that cycle.)

Step 4: Open Dedicated Spending Accounts

🎯 Each category gets its own checking account (or a labeled cash envelope)

🎯 Name your accounts for fun! (“Feed the Horde” for groceries, anyone? 😂)

🎯 Delete your bills account from spending platforms (No more accidental Target runs on your mortgage money!)

Step 5: Automate Your Transfers & Spend With Confidence

💰 On payday, automatically send your budgeted amount into each spending account

💰 Only spend from the correct account (NO MORE transferring money back & forth!)

💰 Enjoy spending—without guilt! 🎉

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