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

Snag Our Simplified Budget System! Hey there, Holiday Enthusiasts!Are you feeling the Christmas crunch? In this final episode of our 2023 gift-giving series, we're diving deep into the world of holiday budgeting. We know that planning for Christmas can be overwhelming, but don't worry, we've got your back! Get ready to turn your festive stress into financial success.In Today's Episode, We're Exploring:1. The Art of Christmas Budgeting: - Understanding the importance of a well-crafted budget for a peaceful holiday. - Techniques to avoid common financial pitfalls during the festive season.2. Your Holiday Budget Planner: A Game Changer: - Introducing our comprehensive planner to manage your holiday expenses seamlessly. - Discover how to budget for everything – from gifts and travel to food and decorations.3. Pro Tips for Last-Minute Savers: - Practical advice for those who've waited until the last minute to save. - Strategies to start saving for next Christmas, starting now.4. Reflecting on Last Year’s Spending: - Learn from the past to improve your future holiday budgeting.5. Gift Giving Without Breaking the Bank: - Navigate the gift-giving season with our expert budgeting advice. - Creative and cost-effective solutions for wrapping and gifting.6. Feasting and Travel on a Budget: - How to plan your holiday meals and travel without overspending.7. Economical and Creative Decor Ideas: - Deck your halls without draining your wallet: budget-friendly decorating tips.8. Looking Back and Moving Forward: - Post-holiday reflections to make your next Christmas even better.Join us in this episode as we unwrap the secrets to a financially savvy and delightful holiday season. Let's make this Christmas not just merry, but smart and budget-friendly too! 🌟🎅🛍️Connect With Us: 1️⃣ Facebook Group – Join the community. Our free group is where the real talk happens. Connect with other women who are learning how to budget, save, and finally feel in control, together. ➡︎ budgetbesties.com/facebook 2️⃣ Automate Your Budget Masterclass – Watch it now, no waiting. This FREE on-demand training shows you how to set up a budget that matches your lifestyle, without tracking every dollar or feeling restricted. ➡︎ budgetbesties.com/automate 3️⃣ Budget – Grab our Simplified Budget System! You don’t need another budget, you need a system that does the math, makes the plan, and gives you permission to spend. ➡︎ budgetbesties.com/budget 4️⃣ Private 1-on-1 Coaching – Get a plan and a coach. We’ll build your full budget system together, so you always know what to do and feel confident doing it. ➡︎ budgetbesties.com/coaching 5️⃣ Be on the Podcast – Free coaching, real convo. Come chat with us on the show! Get real-time financial coaching and help other women by sharing your story. ➡︎ budgetbesties.com/livecall "I love Shana & Vanessa and this podcast is amazing!" 👈🏻 If that sounds like you, please consider rating and reviewing our show! It helps us to reach more people – just like you – to help them change their financial future. Don’t forget to follow the show so you don’t miss any episodes! And, if you’re feeling really generous, we’d be SO honored if you would share this podcast with someone. Click here to view our privacy policy. This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase!

Snag Our Simplified Budget System! 🎉 Hey, Amazing Listeners! Are you ready to ditch the holiday gift-giving headache this season? Tune in to this super fun and insightful episode where we tackle the all-too-common holiday chaos head-on with systems!What's in Store for You:The Holiday Hustle - Real Talk: We get it, friends - the holiday season can be a budget buster and a confusion cauldron! But guess what? You're not alone, and we've got your back!Gift-Giving: Systemized & Simplified: We're sharing our personal life hacks to make gift-giving a breeze – think easy, breezy, lemon squeezy, but with a meaningful twist!Our Top Picks for a Stress-Free Holiday:Picking Names: Great for large families to reduce financial and mental load.Recurring Gifts: The joy of giving the same cherished item each year.Bulk Buying: A strategy to save time and money, adding a personal touch.Themed Gifts: Creating gifts around a central theme for uniformity.Kids-Only Gifts: Focusing the budget and efforts on children.Creating Wishlists: Ensuring gifts align with recipients' wishes.Charity Gift Giving: Opting to give to charities instead of physical gifts.Sneak Peak Quotes:"We don't have the brain calories for all that [holiday confusion]." - Real talk about holiday stress."You know exactly when and how much you're supposed to be spending." - Simplifying the budgeting puzzle.Wrapping Up with Love:Remember, gift-giving should be as joyful as those holiday jingles. Let's make it fun, meaningful, and totally doable this year. And don't forget to grab that budget system - it’s a lifesaver!Connect With Us: 1️⃣ Facebook Group – Join the community. Our free group is where the real talk happens. Connect with other women who are learning how to budget, save, and finally feel in control, together. ➡︎ budgetbesties.com/facebook 2️⃣ Automate Your Budget Masterclass – Watch it now, no waiting. This FREE on-demand training shows you how to set up a budget that matches your lifestyle, without tracking every dollar or feeling restricted. ➡︎ budgetbesties.com/automate 3️⃣ Budget – Grab our Simplified Budget System! You don’t need another budget, you need a system that does the math, makes the plan, and gives you permission to spend. ➡︎ budgetbesties.com/budget 4️⃣ Private 1-on-1 Coaching – Get a plan and a coach. We’ll build your full budget system together, so you always know what to do and feel confident doing it. ➡︎ budgetbesties.com/coaching 5️⃣ Be on the Podcast – Free coaching, real convo. Come chat with us on the show! Get real-time financial coaching and help other women by sharing your story. ➡︎ budgetbesties.com/livecall "I love Shana & Vanessa and this podcast is amazing!" 👈🏻 If that sounds like you, please consider rating and reviewing our show! It helps us to reach more people – just like you – to help them change their financial future. Don’t forget to follow the show so you don’t miss any episodes! And, if you’re feeling really generous, we’d be SO honored if you would share this podcast with someone. Click here to view our privacy policy. This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase!

Snag Our Simplified Budget System! Welcome back to our Christmas Budgeting Series! In today’s episode, we're embracing the minimalist mantra of "less is more" in holiday gifting.Episode Highlights:Ditching Dust Collectors: We discuss moving away from 'just because' gifts that end up as clutter.Value Over Volume: How to choose gifts that add to the life of the recipient rather than their piles of stuff.Curio Cabinet Cautionary Tales: We share personal stories about the well-intentioned gifts that become dusty displays, and how we can learn from them.Today's Takeaway:Opt for gifts that are meaningful and will be used. We're decluttering one meaningful present at a time!Defining Clutter-Free Gifts:We define what a clutter-free gift really means and how to ensure your gifts don’t end up in the graveyard of unwanted items.Clutter-Free Gift Ideas:Experience Gifts: Tickets to amusement parks, bowling alleys, escape rooms, or movie nights.Memberships & Subscriptions: Disney Plus, Hallmark movie subscriptions, Audible, gym memberships, and meal planning services.Service Gifts: Spa days, haircuts, personal chef services, car detailing, or even financial coaching.Consumables: Gourmet mustards, coffee, chocolates, essential oils, and soaps—gifts that can be enjoyed and used up.Classes: Art, dance, martial arts, cooking, or scuba lessons—perfect for engaging and expanding horizons.Resources:Check out our podcast series webpage for our full list of 100 clutter-free gift ideas and our Christmas budget planner.We hope these clutter-free gift ideas inspire you to give presents that will be cherished without adding to the clutter. Tune in tomorrow for more festive insights in our holiday series!Connect With Us: 1️⃣ Facebook Group – Join the community. Our free group is where the real talk happens. Connect with other women who are learning how to budget, save, and finally feel in control, together. ➡︎ budgetbesties.com/facebook 2️⃣ Automate Your Budget Masterclass – Watch it now, no waiting. This FREE on-demand training shows you how to set up a budget that matches your lifestyle, without tracking every dollar or feeling restricted. ➡︎ budgetbesties.com/automate 3️⃣ Budget – Grab our Simplified Budget System! You don’t need another budget, you need a system that does the math, makes the plan, and gives you permission to spend. ➡︎ budgetbesties.com/budget 4️⃣ Private 1-on-1 Coaching – Get a plan and a coach. We’ll build your full budget system together, so you always know what to do and feel confident doing it. ➡︎ budgetbesties.com/coaching 5️⃣ Be on the Podcast – Free coaching, real convo. Come chat with us on the show! Get real-time financial coaching and help other women by sharing your story. ➡︎ budgetbesties.com/livecall "I love Shana & Vanessa and this podcast is amazing!" 👈🏻 If that sounds like you, please consider rating and reviewing our show! It helps us to reach more people – just like you – to help them change their financial future. Don’t forget to follow the show so you don’t miss any episodes! And, if you’re feeling really generous, we’d be SO honored if you would share this podcast with someone. Click here to view our privacy policy. This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase!

Get The Christmas Budget Planner & 100 Clutter-Free Gift Ideas HereWelcome to our Christmas Budgeting Series! In this episode, we're diving into the world of budget-friendly Christmas gifts. We'll explore how you can keep your holiday season joyful and your wallet happy.Key Ideas:1. Budgeting for Gifts: Learn how to plan, shop, and buy gifts with intention while staying on budget.2. Creative Gift Strategies: Discover how limitations can spark creativity in your gift-giving.3. Empowering Kids with Budgeting: Hear about the joys and lessons learned from letting kids shop for gifts within a budget.4. Handmade Gifts: Get inspired by a variety of crafty and personal gift ideas like wood-burned utensils, puzzle blocks, and kitchen towels.5. Baking Gifts: Explore the warmth of sharing homemade baked goods as heartfelt gifts.6. Coupons and Service Gifts: Understand how coupons for services or special privileges can be a meaningful gift.7. Plant Clippings: Learn how a simple plant clipping can become a cherished gift.8. School Pictures as Gifts: Rediscover the classic charm of giving school pictures as a personalized gift.9. Budgeting Strategies: Gain insights on price matching, avoiding impulse buys, and gifting experiences to save money.Actionable Tips:Encourage your kids to participate in gift-giving with a small budget.Consider handmade gifts for a personal touch.Use baking as a fun and affordable gift-giving option.Remember the value of coupons and service-oriented gifts.Embrace the simplicity and beauty of gifting plant clippings.Resources:Visit the series website for downloadable resources, including a Christmas budget planner and a list of 100 clutter-free gift ideas.Snag Our Simplified Budget System! We hope these ideas inspire you to give meaningful and budget-friendly gifts this Christmas. Stay tuned for more episodes in our Christmas Budgeting Series, where we'll continue to explore creative and cost-effective ways to celebrate the season.Connect With Us: 1️⃣ Facebook Group – Join the community. Our free group is where the real talk happens. Connect with other women who are learning how to budget, save, and finally feel in control, together. ➡︎ budgetbesties.com/facebook 2️⃣ Automate Your Budget Masterclass – Watch it now, no waiting. This FREE on-demand training shows you how to set up a budget that matches your lifestyle, without tracking every dollar or feeling restricted. ➡︎ budgetbesties.com/automate 3️⃣ Budget – Grab our Simplified Budget System! You don’t need another budget, you need a system that does the math, makes the plan, and gives you permission to spend. ➡︎ budgetbesties.com/budget 4️⃣ Private 1-on-1 Coaching – Get a plan and a coach. We’ll build your full budget system together, so you always know what to do and feel confident doing it. ➡︎ budgetbesties.com/coaching 5️⃣ Be on the Podcast – Free coaching, real convo. Come chat with us on the show! Get real-time financial coaching and help other women by sharing your story. ➡︎ budgetbesties.com/livecall "I love Shana & Vanessa and this podcast is amazing!" 👈🏻 If that sounds like you, please consider rating and reviewing our show! It helps us to reach more people – just like you – to help them change their financial future. Don’t forget to follow the show so you don’t miss any episodes! And, if you’re feeling really generous, we’d be SO honored if you would share this podcast with someone. Click here to view our privacy policy. This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase!

Snag Our Simplified Budget System! In this episode, we sit down with Erica, a dedicated Christ follower, wife, mother, and life coach specializing in helping anxious and overwhelmed Christian women. Erica shares her journey and insights on how a strong faith and understanding of the Bible can transform our approach to finances and time management.Key Points:Erica’s Personal Journey: How her faith and trust in God's word helped her overcome financial struggles and life challenges.The Biblical Approach to Finances: Understanding the importance of aligning financial decisions with spiritual values, prioritizing tithing, and being a steward of God’s gifts.Overcoming Worldly Mindsets: Erica discusses shifting from a worldly to a biblical perspective on finances, emphasizing the eternal impact of our decisions.Practical Steps for Financial Management: The ARC Method (Assess, Release, Create) and its application in developing a healthier financial lifestyle.Challenges in Coaching: Addressing common obstacles and fears that Christian women face in managing finances and priorities.The Role of Faith in Financial Decisions: How prayer, gratitude, and biblical principles can guide financial choices and priorities.Notable Quotes:“My mission is to get more women in the word of God because it is transformative.”“Where your treasure is, there your heart is also.”“It's not just about managing finances; it's about stewarding the resources God has given us.”Resources Mentioned:Erica's Podcast: Her Renewed StrengthOnline Course: On Heaven’s TimelineErica’s Community Workshops on Bible Study and Time ManagementConnect with Erica:Website: Her Renewed StrengthPodcast: Her Renewed Strength PodcastErica's insights remind us that our financial decisions are not just practical choices but reflections of our faith and priorities. Her approach to combining biblical wisdom with practical financial management offers a unique perspective for anyone seeking to align their finances with their faith.Connect With Us: 1️⃣ Facebook Group – Join the community. Our free group is where the real talk happens. Connect with other women who are learning how to budget, save, and finally feel in control, together. ➡︎ budgetbesties.com/facebook 2️⃣ Automate Your Budget Masterclass – Watch it now, no waiting. This FREE on-demand training shows you how to set up a budget that matches your lifestyle, without tracking every dollar or feeling restricted. ➡︎ budgetbesties.com/automate 3️⃣ Budget – Grab our Simplified Budget System! You don’t need another budget, you need a system that does the math, makes the plan, and gives you permission to spend. ➡︎ budgetbesties.com/budget 4️⃣ Private 1-on-1 Coaching – Get a plan and a coach. We’ll build your full budget system together, so you always know what to do and feel confident doing it. ➡︎ budgetbesties.com/coaching 5️⃣ Be on the Podcast – Free coaching, real convo. Come chat with us on the show! Get real-time financial coaching and help other women by sharing your story. ➡︎ budgetbesties.com/livecall "I love Shana & Vanessa and this podcast is amazing!" 👈🏻 If that sounds like you, please consider rating and reviewing our show! It helps us to reach more people – just like you – to help them change their financial future. Don’t forget to follow the show so you don’t miss any episodes! And, if you’re feeling really generous, we’d be SO honored if you would share this podcast with someone. Click here to view our privacy policy. This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase!

Snag Our Simplified Budget System! Hey, financial fabulistas! Get ready to dive into the rollercoaster🎢 world of money. Today, we're diving into seven oh-so-common money traps that we ladies often fall into – and how to sashay 💃 around them like the financial queens we are! Let's turn your financial journey from "meh" to "marvelous" with some real-talk advice and actionable steps!👛 Mistake 1: The 'Budget? What's That?' Blunder- Let's chat about why budgeting feels like a monster under the bed and how avoiding it can really throw your wallet off balance.- Solution Station: Let’s buddy up with budgeting! We’ll show you some super simple, downright fun tools and templates that make budgeting feel like a breeze.💸 Mistake 2: The 'I Thought I Had More' Miscalculation- Ever felt like you're not putting enough in the piggy bank? We're diving into the tricky trap of under-budgeting and its ouchy outcomes.- Solution Station: Time for some regular money dates with your budget! We're talking realistic spending limits that don’t feel like a straightjacket.🛍️ Mistake 3: The 'Just Couldn't Resist' Impulse Buy- Ever been lured by that spontaneous purchase? We're exploring how these unplanned splurges can send your financial plans off the rails.- Solution Station: We've got some neat tricks up our sleeve, like the 24-hour "think it over" rule and a nifty budget impact analysis.💬 Mistake 4: The 'Let’s Not Talk About It' Money Chat- Discussing finances with your partner can feel like walking on eggshells, right? But it’s super important.- Solution Station: Turn budget talks into date nights! Seriously, it’s a game-changer. Make financial planning fun and cozy.💳 Mistake 5: The 'Swipe Now, Stress Later' Credit Card Conundrum- Let’s dissect why relying on credit cards like they’re your BFF can backfire big time.- Solution Station: We're schooling you on using budgeting as your secret weapon against credit card chaos.😳 Mistake 6: The 'I'm Not Good at This' Guilt- Feeling shame about where you are with your money smarts? You're not alone.- Solution Station: It's time to embrace the journey! Everyone starts somewhere, and learning about finances is definitely a 'patience and persistence' kind of deal.Connect With Us: 1️⃣ Facebook Group – Join the community. Our free group is where the real talk happens. Connect with other women who are learning how to budget, save, and finally feel in control, together. ➡︎ budgetbesties.com/facebook 2️⃣ Automate Your Budget Masterclass – Watch it now, no waiting. This FREE on-demand training shows you how to set up a budget that matches your lifestyle, without tracking every dollar or feeling restricted. ➡︎ budgetbesties.com/automate 3️⃣ Budget – Grab our Simplified Budget System! You don’t need another budget, you need a system that does the math, makes the plan, and gives you permission to spend. ➡︎ budgetbesties.com/budget 4️⃣ Private 1-on-1 Coaching – Get a plan and a coach. We’ll build your full budget system together, so you always know what to do and feel confident doing it. ➡︎ budgetbesties.com/coaching 5️⃣ Be on the Podcast – Free coaching, real convo. Come chat with us on the show! Get real-time financial coaching and help other women by sharing your story. ➡︎ budgetbesties.com/livecall "I love Shana & Vanessa and this podcast is amazing!" 👈🏻 If that sounds like you, please consider rating and reviewing our show! It helps us to reach more people – just like you – to help them change their financial future. Don’t forget to follow the show so you don’t miss any episodes! And, if you’re feeling really generous, we’d be SO honored if you would share this podcast with someone. Click here to view our privacy policy. This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase!

Snag Our Simplified Budget System! Today we're talking with our friend Sam as we explore the powerful intersection of faith and finances. 🙏💰📜 Key Takeaways:1. Love of Money vs. Money Itself: It's crucial to distinguish between the love of money and money itself. Let faith guide your financial decisions, and don't let worries about money distract you from your faith journey. 🤝❤️2. Biblical Stewardship: Discover the timeless concept of stewardship, recognizing that we're entrusted with God's resources. Learn the value of being good stewards and how it can positively impact your financial path. 💼🌟3. Parable of the Talents: Explore the parable of the talents as a metaphor for multiplying your resources. Find inspiration in how you can make your financial resources grow with wisdom and purpose. 🌱💪4. Overcoming Financial Stress: Hear a real success story from a client who initially felt overwhelmed but achieved financial stability through budgeting. You're not alone in your financial journey, and taking that first step is key. 🚀🌈5. Budgeting & Financial Planning: Understand the importance of budgeting and financial planning, whether you're a seasoned pro or a newbie. The hosts encourage you to take that all-important first step toward financial control. 💡📊Join the conversation and take that empowering first step toward financial freedom with Sam, Shana, and Vanessa. Your faith and finances can work hand in hand to build a brighter future! 🌟🙌Connect With Us: 1️⃣ Facebook Group – Join the community. Our free group is where the real talk happens. Connect with other women who are learning how to budget, save, and finally feel in control, together. ➡︎ budgetbesties.com/facebook 2️⃣ Automate Your Budget Masterclass – Watch it now, no waiting. This FREE on-demand training shows you how to set up a budget that matches your lifestyle, without tracking every dollar or feeling restricted. ➡︎ budgetbesties.com/automate 3️⃣ Budget – Grab our Simplified Budget System! You don’t need another budget, you need a system that does the math, makes the plan, and gives you permission to spend. ➡︎ budgetbesties.com/budget 4️⃣ Private 1-on-1 Coaching – Get a plan and a coach. We’ll build your full budget system together, so you always know what to do and feel confident doing it. ➡︎ budgetbesties.com/coaching 5️⃣ Be on the Podcast – Free coaching, real convo. Come chat with us on the show! Get real-time financial coaching and help other women by sharing your story. ➡︎ budgetbesties.com/livecall "I love Shana & Vanessa and this podcast is amazing!" 👈🏻 If that sounds like you, please consider rating and reviewing our show! It helps us to reach more people – just like you – to help them change their financial future. Don’t forget to follow the show so you don’t miss any episodes! And, if you’re feeling really generous, we’d be SO honored if you would share this podcast with someone. Click here to view our privacy policy. This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase!

Book A Free Financial Coaching Call! 🎧 Today we're back with a story from our clients Jordan and Rosi, a couple from Michigan.They share how they were initially nervous about coaching—worried it would be too strict or not tailored to them. Spoiler: it was the opposite. Coaching felt personalized and incredibly helpful.They talk about setting up budgeting buckets, which helped them save for expenses and feel less stressed. Rosi loves her spending money, and Jordan appreciates having a plan.Their biggest win? Way better communication. Fights about money turned into calm, clear conversations.They also share how they paid off $16,000 in debt—while still spending, traveling, and paying for fantasy football.Mindfulness & Financial Clarity: Budgeting made them more intentional. Plus, we get into his ‘saver’ ways and her ‘spender’ vibes!Teaching Kids About Money: They’re bringing their kiddos into the money convo.Switching to Debit Cards: Why ditching credit cards has made them feel calmer.Teamwork & Marriage: What happens when you treat money like a team sport.Faith & Finances: Their faith plays a big role—and they’re sharing why it matters.Encouragement for You: Feeling stuck? They’ve been there. Their message will lift you up and help you move forward.Feeling Content: Sacrifices? Yes. But they’re content with what they have—and you can be too.Investment in Ourselves: Coaching has paid off big time—in their money and their marriage.So, grab your favorite drink and get comfy—we're talking real-life money, parenting tips, and how faith can fuel your financial journey. 🌟Connect With Us: 1️⃣ Facebook Group – Join the community. Our free group is where the real talk happens. Connect with other women who are learning how to budget, save, and finally feel in control, together. ➡︎ budgetbesties.com/facebook 2️⃣ Automate Your Budget Masterclass – Watch it now, no waiting. This FREE on-demand training shows you how to set up a budget that matches your lifestyle, without tracking every dollar or feeling restricted. ➡︎ budgetbesties.com/automate 3️⃣ Budget – Grab our Simplified Budget System! You don’t need another budget, you need a system that does the math, makes the plan, and gives you permission to spend. ➡︎ budgetbesties.com/budget 4️⃣ Private 1-on-1 Coaching – Get a plan and a coach. We’ll build your full budget system together, so you always know what to do and feel confident doing it. ➡︎ budgetbesties.com/coaching 5️⃣ Be on the Podcast – Free coaching, real convo. Come chat with us on the show! Get real-time financial coaching and help other women by sharing your story. ➡︎ budgetbesties.com/livecall "I love Shana & Vanessa and this podcast is amazing!" 👈🏻 If that sounds like you, please consider rating and reviewing our show! It helps us to reach more people – just like you – to help them change their financial future. Don’t forget to follow the show so you don’t miss any episodes! And, if you’re feeling really generous, we’d be SO honored if you would share this podcast with someone. Click here to view our privacy policy. This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase!

Snag Our Simplified Budget System! Tired of spending hours managing your finances? Wish you could automate the process to save time and money? Well, you're in luck! In this podcast, we'll show you how to automate your finances so that your money works for you, not the other way around. We'll cover everything from setting up a budget to automating your bills and investments. So whether you're a complete beginner or a seasoned financial expert, there's something for everyone in this episode.Benefits of Automating Your FinancesThere are many benefits to automating your finances. Here are just a few:Save time. No more logging into your bank account to pay bills or transfer money. Everything will be done automatically.Reduce stress. Worrying about your finances can take a toll on your mental health. Automating your finances can help you take a step back and relax.Increase your chances of success. When your finances are automated, you're more likely to stick to your budget and reach your financial goals.How to Automate Your FinancesAutomating your finances is easier than you think. Here are the steps you need to take:Create a budget. This is the foundation for all your financial decisions, including automation.Set up direct deposit. This will ensure that your paycheck is automatically deposited into your checking account.Create separate accounts for bills, spending, and savings. This will help you keep your finances organized and make it easier to automate payments.Set up recurring transfers. This will automatically transfer money from your checking account to your bills, spending, and savings accounts.Invest your money. This is a great way to grow your wealth over the long term. You can automate your investments by setting up a regular contribution to a retirement account or investing in a robo-advisor.Tips for Automating Your FinancesHere are a few additional tips to help you automate your finances successfully:Choose the right tools. There are many online tools and apps that can help you automate your finances. Research the different options and choose one that meets your needs.Start small. Don't try to automate everything at once. Start with one or two tasks and gradually add more as you get comfortable.Be flexible. Your financial situation may change over time. Be prepared to adjust your automation settings as needed.Connect With Us: 1️⃣ Facebook Group – Join the community. Our free group is where the real talk happens. Connect with other women who are learning how to budget, save, and finally feel in control, together. ➡︎ budgetbesties.com/facebook 2️⃣ Automate Your Budget Masterclass – Watch it now, no waiting. This FREE on-demand training shows you how to set up a budget that matches your lifestyle, without tracking every dollar or feeling restricted. ➡︎ budgetbesties.com/automate 3️⃣ Budget – Grab our Simplified Budget System! You don’t need another budget, you need a system that does the math, makes the plan, and gives you permission to spend. ➡︎ budgetbesties.com/budget 4️⃣ Private 1-on-1 Coaching – Get a plan and a coach. We’ll build your full budget system together, so you always know what to do and feel confident doing it. ➡︎ budgetbesties.com/coaching 5️⃣ Be on the Podcast – Free coaching, real convo. Come chat with us on the show! Get real-time financial coaching and help other women by sharing your story. ➡︎ budgetbesties.com/livecall "I love Shana & Vanessa and this podcast is amazing!" 👈🏻 If that sounds like you, please consider rating and reviewing our show! It helps us to reach more people – just like you – to help them change their financial future. Don’t forget to follow the show so you don’t miss any episodes! And, if you’re feeling really generous, we’d be SO honored if you would share this podcast with someone. Click here to view our privacy policy. This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase!

Snag Our Simplified Budget System! 👋 Hey there, amazing listeners! Are you ready to take your budgeting skills from beginner to pro? If you've ever felt stuck or paralyzed when it comes to budgeting and wondered when to start saving or paying off debt, you're in the right place! We're here to guide you through the steps to level up your budgeting game. Let's go from that initial budget creation to building a legacy. 🚀👩‍👧‍👦 Let's talk about the three phases of budgeting – Beginner, Middle, and Pro!Beginner Budgeting - Getting Started:- Many of our clients and listeners have never started a budget or found it hard to stick to one. Don't worry; you're not alone!- The first step is to get on a budget, and we're here to help you with that.- Start by creating a Bills Account where you'll pay your bills and debt from your income.- Separate your bills from your spending and focus on minimal spending. Ask yourself, "What do I absolutely need?"- Keep your spending categories minimal at the beginning – pocket money, restaurant expenses, gas, and groceries.- Create wiggle room in your budget by cutting unnecessary expenses and putting extra money toward debt.Middle Budgeting - Learning and Perfecting:- In the middle phase, you're still learning, but you're not a beginner anymore.- Perfect your Paycheck Plan: Deposit your income into a Bills Account, then allocate it to spending and savings.- Implement automation to fund your categories automatically.- Add minimal savings buckets for immediate needs like holidays, car maintenance, and birthdays.- Start identifying and planning for "unexpected" expenses ahead of time.- Continue to pay off debt while building good budgeting habits.Pro Budgeting - Graduating to Pro Status:- Fully fund your savings buckets and plan for expenses 12 months ahead.- Consider ramping up your investments, like increasing contributions to retirement plans or starting a Roth IRA.- Refine your spending habits and reduce unnecessary expenses.- Have conversations about responsible spending with your kids and teach them about budgeting.- Enjoy the freedom of being more generous, whether it's giving to causes you care about or helping your kids with their financial future.- Dream big and set ambitious financial goals, watching your net worth grow and securing your financial future.Connect With Us: 1️⃣ Facebook Group – Join the community. Our free group is where the real talk happens. Connect with other women who are learning how to budget, save, and finally feel in control, together. ➡︎ budgetbesties.com/facebook 2️⃣ Automate Your Budget Masterclass – Watch it now, no waiting. This FREE on-demand training shows you how to set up a budget that matches your lifestyle, without tracking every dollar or feeling restricted. ➡︎ budgetbesties.com/automate 3️⃣ Budget – Grab our Simplified Budget System! You don’t need another budget, you need a system that does the math, makes the plan, and gives you permission to spend. ➡︎ budgetbesties.com/budget 4️⃣ Private 1-on-1 Coaching – Get a plan and a coach. We’ll build your full budget system together, so you always know what to do and feel confident doing it. ➡︎ budgetbesties.com/coaching 5️⃣ Be on the Podcast – Free coaching, real convo. Come chat with us on the show! Get real-time financial coaching and help other women by sharing your story. ➡︎ budgetbesties.com/livecall "I love Shana & Vanessa and this podcast is amazing!" 👈🏻 If that sounds like you, please consider rating and reviewing our show! It helps us to reach more people – just like you – to help them change their financial future. Don’t forget to follow the show so you don’t miss any episodes! And, if you’re feeling really generous, we’d be SO honored if you would share this podcast with someone. Click here to view our privacy policy. This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase!

Book A Free Financial Coaching Call! In this episode, we're diving deep into a fantastic case study of how one couple successfully got out of debt, leveled up their budget, and achieved financial freedom. Get ready to be inspired and take away some actionable tips for your own financial journey!🚀 Intro- Have you ever wanted a real-life case study on getting out of debt and mastering your budget?- Join us as we walk you through the journey of one of our clients who did just that!💪 Taking Control- Meet our awesome clients who decided it was time to tackle their financial challenges head-on.- They had good income but nothing to show for it, a common struggle for many.💡 Discovering the Path- Learn how they found us, took a free call, and decided to embark on their financial transformation.- Their starting point: $9,600 monthly income, 11 debts, $2,600 in savings, and $689 in monthly debt payments.🤔 Identifying the Issues- Understand the challenges they faced, despite their good income.- Discover how their finances were separate, and they lacked basic budgeting skills.🏆 Setting Goals- Explore their financial aspirations, including a five-year net worth goal of $150,000 and the desire for financial freedom.- They wanted to teach their kids to manage money wisely from the start.💰 Taking Action- See the steps they took to turn things around in just two months.- Cutting expenses, merging phone plans, and optimizing their bills were among their strategies.🧾 Budgeting Made Easy- Learn about the power of a well-organized budget, and how they used it to their advantage.- The budget not only tracked expenses but also projected their financial future.🙌 Success Achieved- Celebrate their victories, including paying off $12,192 in debt and reducing their minimum debt payments.- Witness their journey from 11 debts to just four, making their finances more manageable.🌟 Reaping the Rewards- Discover how they upped their emergency fund and embraced saving habits.- Witness their transformation from financial stress to peace of mind.🍽️ A Funny Moment- Enjoy a humorous story about cutting up credit cards when they couldn't even find theirs because they'd stopped using them!👨‍🍳 Unexpected Roles- Find out how the husband took charge of meal planning and meal prep, surprising everyone with his newfound skills.--Connect With Us: 1️⃣ Facebook Group – Join the community. Our free group is where the real talk happens. Connect with other women who are learning how to budget, save, and finally feel in control, together. ➡︎ budgetbesties.com/facebook 2️⃣ Automate Your Budget Masterclass – Watch it now, no waiting. This FREE on-demand training shows you how to set up a budget that matches your lifestyle, without tracking every dollar or feeling restricted. ➡︎ budgetbesties.com/automate 3️⃣ Budget – Grab our Simplified Budget System! You don’t need another budget, you need a system that does the math, makes the plan, and gives you permission to spend. ➡︎ budgetbesties.com/budget 4️⃣ Private 1-on-1 Coaching – Get a plan and a coach. We’ll build your full budget system together, so you always know what to do and feel confident doing it. ➡︎ budgetbesties.com/coaching 5️⃣ Be on the Podcast – Free coaching, real convo. Come chat with us on the show! Get real-time financial coaching and help other women by sharing your story. ➡︎ budgetbesties.com/livecall "I love Shana & Vanessa and this podcast is amazing!" 👈🏻 If that sounds like you, please consider rating and reviewing our show! It helps us to reach more people – just like you – to help them change their financial future. Don’t forget to follow the show so you don’t miss any episodes! And, if you’re feeling really generous, we’d be SO honored if you would share this podcast with someone. Click here to view our privacy policy. This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase!

📌Get the Christmas Budget Planner Here!⁠Today, we're diving into some real talk about holiday finances and other money matters you need to know. Grab your notepad because we're sharing some eye-opening lessons straight from our coaching sessions. You might see a bit of your own story in here! 💁‍♀️Topics Covered:🎅 Budgeting for Christmas like a Boss!"Holiday traditions shouldn’t leave a New Year debt hangover!" 🍾💸Real Client Story: Learn from a mom who's saving $2,000 for a debt-free Christmas vacation!Financial freedom can allow you to quit your 9-to-5 and pursue your dream job."Dream jobs start with dream budgets, babe!" 💼✨Real Client Story: How getting out of debt led one client to her dream job in New York!Ever heard of cancer insurance? Should you jump on the bandwagon? 🤔"Be insured, not unsure!" 🛡️Real Client Story: An insurance hiccup that almost messed up one client's budget.🌟 Client Wins 🌟:First-time debt-free Christmas vacations 🏂Setting aside money on purpose for the holiday season 🎁Making BIG career moves, thanks to a debt-free lifestyle! 💪Book A Free Financial Coaching Call! Action Items: Use a mock budget to explore job possibilities and life changes.Before adding random insurances like "cancer insurance," consult your financial coach (that's us, ya'll!) 📋🖊️Listen, friends, if our clients can do it, so can you! Take these lessons and use 'em to give yourself the gift of financial freedom this holiday season. Let's toast to making wise money choices that let us jingle all the way to the bank! 🥂💰Christmas Budgeting, Paying Off Debt, Choosing Insurance, Financial Freedom, Client Stories, Holiday Spending, Financial Coaching for Women, Debt-Free Holidays, Money Management Tips, How to BudgetConnect With Us: 1️⃣ Facebook Group – Join the community. Our free group is where the real talk happens. Connect with other women who are learning how to budget, save, and finally feel in control, together. ➡︎ budgetbesties.com/facebook 2️⃣ Automate Your Budget Masterclass – Watch it now, no waiting. This FREE on-demand training shows you how to set up a budget that matches your lifestyle, without tracking every dollar or feeling restricted. ➡︎ budgetbesties.com/automate 3️⃣ Budget – Grab our Simplified Budget System! You don’t need another budget, you need a system that does the math, makes the plan, and gives you permission to spend. ➡︎ budgetbesties.com/budget 4️⃣ Private 1-on-1 Coaching – Get a plan and a coach. We’ll build your full budget system together, so you always know what to do and feel confident doing it. ➡︎ budgetbesties.com/coaching 5️⃣ Be on the Podcast – Free coaching, real convo. Come chat with us on the show! Get real-time financial coaching and help other women by sharing your story. ➡︎ budgetbesties.com/livecall "I love Shana & Vanessa and this podcast is amazing!" 👈🏻 If that sounds like you, please consider rating and reviewing our show! It helps us to reach more people – just like you – to help them change their financial future. Don’t forget to follow the show so you don’t miss any episodes! And, if you’re feeling really generous, we’d be SO honored if you would share this podcast with someone. Click here to view our privacy policy. This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase!

Snag Our Simplified Budget System! In this podcast episode we are going to walk you through setting up your November budget! With the holiday season coming up, it's crucial to have a solid budget in place. One thing we stress is the importance of adjusting your budget as things change. Whether it's a change in income, bills, or spending habits, it's essential to stay on top of your budget and make necessary adjustments. And of course, with the holidays approaching, it's crucial to plan ahead for those extra expenses.We've got some great tips and advice on how to avoid going into debt during the holiday season. We'll talk about getting creative with gift-giving and even starting a Christmas fund. Trust us, these strategies can make a huge difference in your financial well-being.Connect With Us: 1️⃣ Facebook Group – Join the community. Our free group is where the real talk happens. Connect with other women who are learning how to budget, save, and finally feel in control, together. ➡︎ budgetbesties.com/facebook 2️⃣ Automate Your Budget Masterclass – Watch it now, no waiting. This FREE on-demand training shows you how to set up a budget that matches your lifestyle, without tracking every dollar or feeling restricted. ➡︎ budgetbesties.com/automate 3️⃣ Budget – Grab our Simplified Budget System! You don’t need another budget, you need a system that does the math, makes the plan, and gives you permission to spend. ➡︎ budgetbesties.com/budget 4️⃣ Private 1-on-1 Coaching – Get a plan and a coach. We’ll build your full budget system together, so you always know what to do and feel confident doing it. ➡︎ budgetbesties.com/coaching 5️⃣ Be on the Podcast – Free coaching, real convo. Come chat with us on the show! Get real-time financial coaching and help other women by sharing your story. ➡︎ budgetbesties.com/livecall "I love Shana & Vanessa and this podcast is amazing!" 👈🏻 If that sounds like you, please consider rating and reviewing our show! It helps us to reach more people – just like you – to help them change their financial future. Don’t forget to follow the show so you don’t miss any episodes! And, if you’re feeling really generous, we’d be SO honored if you would share this podcast with someone. Click here to view our privacy policy. This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase!

Snag Our Simplified Budget System! Hey there, fabulous listeners! Welcome back to another episode where we spill the tea on all things financial coaching and friendship. We're Vanessa and Shana, and today, we're taking you behind the scenes of our exciting journey.Join us as we dive into what makes our podcast a hit—our unwavering friendship and authenticity. We spill the beans on how this dynamic duo came together not just as business partners but as best friends. Our podcast is all about being relatable and authentic, making financial topics judgment-free and accessible. We share the secrets behind our success in reaching thousands of you every week.Now, let's talk about work-life balance. We're all about that sunshine and fresh air here in sunny Navarre, Florida, and it plays a huge role in our work ethic and style. We'll give you a glimpse of how we balance our professional and personal lives, from beach walks to the occasional power nap.But it's not all sunshine and rainbows. We also discuss how we manage disagreements, and yes, we've had a few spats along the way. But hey, who hasn't? Our key is effective communication and keeping score off the table.And speaking of exciting news, we've got a special project in the works just in time for Christmas. It's a meaningful and educational gift for the younger generation, designed to set them on the path to financial wellness. Get ready for a sneak peek into what's coming your way.Join us for an episode filled with heartwarming stories, valuable insights, and a whole lot of laughter. We're here to inspire you, empower you, and maybe even make you smile a little. So, tune in and be part of our journey as we empower women to take control of their finances and transform their lives.Connect With Us: 1️⃣ Facebook Group – Join the community. Our free group is where the real talk happens. Connect with other women who are learning how to budget, save, and finally feel in control, together. ➡︎ budgetbesties.com/facebook 2️⃣ Automate Your Budget Masterclass – Watch it now, no waiting. This FREE on-demand training shows you how to set up a budget that matches your lifestyle, without tracking every dollar or feeling restricted. ➡︎ budgetbesties.com/automate 3️⃣ Budget – Grab our Simplified Budget System! You don’t need another budget, you need a system that does the math, makes the plan, and gives you permission to spend. ➡︎ budgetbesties.com/budget 4️⃣ Private 1-on-1 Coaching – Get a plan and a coach. We’ll build your full budget system together, so you always know what to do and feel confident doing it. ➡︎ budgetbesties.com/coaching 5️⃣ Be on the Podcast – Free coaching, real convo. Come chat with us on the show! Get real-time financial coaching and help other women by sharing your story. ➡︎ budgetbesties.com/livecall "I love Shana & Vanessa and this podcast is amazing!" 👈🏻 If that sounds like you, please consider rating and reviewing our show! It helps us to reach more people – just like you – to help them change their financial future. Don’t forget to follow the show so you don’t miss any episodes! And, if you’re feeling really generous, we’d be SO honored if you would share this podcast with someone. Click here to view our privacy policy. This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase!

Snag Our Simplified Budget System! Alright, Dave Ramsey fans, let's dive into the topic of using cash and whether it's the right choice for your budget and finances. In this episode, we're going head-to-head with Dave on some key points, and here's a sneak peek of what's to come:📬 Cash Envelope System: Dave Ramsey loves it, and so do we! But is it the ultimate budgeting method, or are there other tricks up our sleeves?💳 Digital Envelopes: We'll spill the beans on why digital envelopes might just be your ticket to budgeting success, alongside the trusty cash method.💸 Impulse Buys: Cash has a way of curbing those impulse purchases, but can we agree with Dave on how effective it truly is?💡 No Hidden Fees: We're all about taking control of our finances, but are cash payments the only way to dodge those sneaky fees?🛍️ Delayed Gratification: Dave praises cash for fostering this skill, but is there more to the story?💳 Credit Card Rewards: Are we on the same page as Dave when it comes to credit card rewards, or do we have a different take on the matter?💼 Inconvenience: Can we convince you that a little inconvenience might be the secret sauce to financial success?💳 Credit History: We're sharing our thoughts on building credit without credit cards. Are we in line with Dave's wisdom?🛡️ Safety Concerns: Is carrying cash really safer than the plastic in your wallet, or is there more to consider?📱 Apps and Syncing: We'll discuss whether going old school with cash is the way to go, or if there's a modern twist we recommend.Join us in this episode as we unpack the pros and cons of using cash in your financial journey. Will we see eye to eye with Dave Ramsey, or will there be some friendly differences of opinion? Tune in to find out and take charge of your financial future! 💰✉️📊 #CashIsKing #BudgetingWithCash #DaveVsUsConnect With Us: 1️⃣ Facebook Group – Join the community. Our free group is where the real talk happens. Connect with other women who are learning how to budget, save, and finally feel in control, together. ➡︎ budgetbesties.com/facebook 2️⃣ Automate Your Budget Masterclass – Watch it now, no waiting. This FREE on-demand training shows you how to set up a budget that matches your lifestyle, without tracking every dollar or feeling restricted. ➡︎ budgetbesties.com/automate 3️⃣ Budget – Grab our Simplified Budget System! You don’t need another budget, you need a system that does the math, makes the plan, and gives you permission to spend. ➡︎ budgetbesties.com/budget 4️⃣ Private 1-on-1 Coaching – Get a plan and a coach. We’ll build your full budget system together, so you always know what to do and feel confident doing it. ➡︎ budgetbesties.com/coaching 5️⃣ Be on the Podcast – Free coaching, real convo. Come chat with us on the show! Get real-time financial coaching and help other women by sharing your story. ➡︎ budgetbesties.com/livecall "I love Shana & Vanessa and this podcast is amazing!" 👈🏻 If that sounds like you, please consider rating and reviewing our show! It helps us to reach more people – just like you – to help them change their financial future. Don’t forget to follow the show so you don’t miss any episodes! And, if you’re feeling really generous, we’d be SO honored if you would share this podcast with someone. Click here to view our privacy policy. This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase!

Snag Our Simplified Budget System! Hey there, fabulous listeners! 👋 In this episode, we're diving deep into the world of spending and how to get a grip on it. 💸 We've got some eye-opening stories to share, actionable steps, and a whole lot of budgeting wisdom coming your way. Let's get started! 🚀We had a client who didn't realize she was spending $2,675 a month without accounting for bills, savings, or debt payments! Sound familiar? 🙋‍♀️ Overspending or random spending is more common than you think.1. Creating a Personal Spending Budget: 💰 Step one in taking control of your spending is figuring out what you're already spending. Track your expenses for 90 days and use highlighters to categorize them. It's an eye-opener!2. Spending with Purpose: 🤝 Step two is creating a personal spending budget. This is your pocket money category, a guilt-free zone for spending on things you love. It's all about being in control and spending with intention.3. Planning for the Expected:* 🗓️ We challenge the idea of "unexpected expenses." With proper planning, most of these so-called unexpected costs can be anticipated and budgeted for. From car maintenance to birthdays, we've got you covered.4. Savings Buckets: 💼 Start planning ahead for regular expenses like Christmas or back-to-school shopping. These are like little savings buckets to dip into when needed.5. A Balanced Approach: ⚖️ We believe both partners should have their own personal spending budget, and it should be a mutually agreed-upon amount. It's all about teamwork.6. The Freedom to Spend: 🙌 When you have a clear budget and personal spending categories, you'll feel more in control and less stressed about spending. It even reduces emotional spending!Remember, taking control of your spending is empowering, not restrictive. It's about creating a plan that gives you the freedom to spend on what truly matters to you. 💪Connect With Us: 1️⃣ Facebook Group – Join the community. Our free group is where the real talk happens. Connect with other women who are learning how to budget, save, and finally feel in control, together. ➡︎ budgetbesties.com/facebook 2️⃣ Automate Your Budget Masterclass – Watch it now, no waiting. This FREE on-demand training shows you how to set up a budget that matches your lifestyle, without tracking every dollar or feeling restricted. ➡︎ budgetbesties.com/automate 3️⃣ Budget – Grab our Simplified Budget System! You don’t need another budget, you need a system that does the math, makes the plan, and gives you permission to spend. ➡︎ budgetbesties.com/budget 4️⃣ Private 1-on-1 Coaching – Get a plan and a coach. We’ll build your full budget system together, so you always know what to do and feel confident doing it. ➡︎ budgetbesties.com/coaching 5️⃣ Be on the Podcast – Free coaching, real convo. Come chat with us on the show! Get real-time financial coaching and help other women by sharing your story. ➡︎ budgetbesties.com/livecall "I love Shana & Vanessa and this podcast is amazing!" 👈🏻 If that sounds like you, please consider rating and reviewing our show! It helps us to reach more people – just like you – to help them change their financial future. Don’t forget to follow the show so you don’t miss any episodes! And, if you’re feeling really generous, we’d be SO honored if you would share this podcast with someone. Click here to view our privacy policy. This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase!

Book A Free Financial Coaching Call! 🎧 Hello, you fabulous listeners! 🌟 Ever feel like your financial life is a giant puzzle, and you can’t find the right pieces? Whether you’re pinching pennies on vacations or swamped with business expenses, Jake, our guest for today, has been there, done that. And guess what? He's turning it all around, and he's here to share how. 🎉---🎯 What to Expect:1. Jake's 'Aha!' Moments 🤯: Jake spills the tea on how he discovered the 'holes in the boat' of his business finances. Spoiler alert: it involves unused subscriptions and tax surprises.2. Taxes Don't Have to Be Scary 📊: If the word 'taxes' makes you break out in a cold sweat, grab a cozy blanket because Jake shares how tackling this financial beast actually set him free. 💕3. Baby Steps for Big Wins 💡: Get your pens ready! We've got actionable tips that can make a difference for you starting TODAY. No marathons here, just a comfy pace you can keep up with. 🚶‍♀️4. Teamwork Makes the Dream Work 🤝: Jake had some help on his financial journey, and he's here to tell you why two (or more) heads are better than one when navigating the money maze.5. Goals & Dreams 😄: What's all this hard work for if not to enjoy life a little more? From wellness retreats to giving himself a raise, Jake shows us how the financial grind can lead to some pretty cool rewards. 🏖️---So what are you waiting for? Hit that play button, grab a notepad, and let’s turn those financial question marks into money moves! 🎧🎉💕Connect With Us: 1️⃣ Facebook Group – Join the community. Our free group is where the real talk happens. Connect with other women who are learning how to budget, save, and finally feel in control, together. ➡︎ budgetbesties.com/facebook 2️⃣ Automate Your Budget Masterclass – Watch it now, no waiting. This FREE on-demand training shows you how to set up a budget that matches your lifestyle, without tracking every dollar or feeling restricted. ➡︎ budgetbesties.com/automate 3️⃣ Budget – Grab our Simplified Budget System! You don’t need another budget, you need a system that does the math, makes the plan, and gives you permission to spend. ➡︎ budgetbesties.com/budget 4️⃣ Private 1-on-1 Coaching – Get a plan and a coach. We’ll build your full budget system together, so you always know what to do and feel confident doing it. ➡︎ budgetbesties.com/coaching 5️⃣ Be on the Podcast – Free coaching, real convo. Come chat with us on the show! Get real-time financial coaching and help other women by sharing your story. ➡︎ budgetbesties.com/livecall "I love Shana & Vanessa and this podcast is amazing!" 👈🏻 If that sounds like you, please consider rating and reviewing our show! It helps us to reach more people – just like you – to help them change their financial future. Don’t forget to follow the show so you don’t miss any episodes! And, if you’re feeling really generous, we’d be SO honored if you would share this podcast with someone. Click here to view our privacy policy. This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase!

Snag Our Simplified Budget System! 🎙️ We're diving into the world of military finances and retirement planning. Whether you're currently serving, a veteran, or just curious about how to navigate the financial landscape in the armed forces, we've got you covered. Plus, this episode will be great if you or someone you love is considering going into the military.Budgeting in the Military: Tips and Personal Experiences- We start by discussing the unique financial challenges faced by military personnel, from predatory financial services near bases to the lack of structured financial education.- Our guest, Chris Roberson (Shana's husband), a military veteran with over 20 years of service in the Air Force, shares valuable insights and practical tips for managing your finances while serving.- Learn about practical budgeting tips like using allotments to automatically manage expenses and creating a separate bills account with auto-drafts.- We explore personal finance strategies, from frugal spending during temporary duty assignments to leveraging additional allowances.- Discover the wisdom of using government travel cards to instill financial responsibility.💼 Maximizing Your Military Finances and Retirement Planning- We share our experiences with making extra money during military moves, emphasizing the benefits of a do-it-yourself move.- Dive into retirement planning and the Thrift Savings Plan (TSP), exploring the importance of choosing the right TSP fund and making early, consistent contributions.- Understand the transition to the new retirement system and how to maximize your retirement benefits under the blended system.- Learn about financial independence, retiring early (FIRE), and why it's essential to take control of your financial destiny.🎓 Navigating Retirement as a Military Service Member- Gain insights into retirement income in the military, medical benefits, the Survivor Benefit Plan, and life insurance options.- Discover the value of the Transition Assistance Program (TAP) and the need to address financial education as part of your transition plan.- Learn about the SkillBridge Program, an excellent opportunity to gain civilian work experience while on active duty.- The importance of early financial education is emphasized, helping you set the stage for a smooth transition into civilian life.Connect With Us: 1️⃣ Facebook Group – Join the community. Our free group is where the real talk happens. Connect with other women who are learning how to budget, save, and finally feel in control, together. ➡︎ budgetbesties.com/facebook 2️⃣ Automate Your Budget Masterclass – Watch it now, no waiting. This FREE on-demand training shows you how to set up a budget that matches your lifestyle, without tracking every dollar or feeling restricted. ➡︎ budgetbesties.com/automate 3️⃣ Budget – Grab our Simplified Budget System! You don’t need another budget, you need a system that does the math, makes the plan, and gives you permission to spend. ➡︎ budgetbesties.com/budget 4️⃣ Private 1-on-1 Coaching – Get a plan and a coach. We’ll build your full budget system together, so you always know what to do and feel confident doing it. ➡︎ budgetbesties.com/coaching 5️⃣ Be on the Podcast – Free coaching, real convo. Come chat with us on the show! Get real-time financial coaching and help other women by sharing your story. ➡︎ budgetbesties.com/livecall "I love Shana & Vanessa and this podcast is amazing!" 👈🏻 If that sounds like you, please consider rating and reviewing our show! It helps us to reach more people – just like you – to help them change their financial future. Don’t forget to follow the show so you don’t miss any episodes! And, if you’re feeling really generous, we’d be SO honored if you would share this podcast with someone. Click here to view our privacy policy. This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase!

Snag Our Simplified Budget System! Are you ready to flip the script on how your family handles money? You're in the right place. In today’s episode, we’re diving into teaching your kids and teens real financial wisdom. 💪💰We all know it’s important to teach the next generation about money—and it’s never too early (or too late) to start.Remember when your child first learned to ride a bike? That excitement and freedom? We're giving you tools to help them feel that same confidence with their finances.🌟 Discover how to:Teach your kids the value of money early.Replace "we can't afford it" with better conversations.Equip your teens to make their money work for them.Join us for practical strategies and relatable examples that make money lessons fun and doable. We're here to help your family thrive financially!Get ready for tips, tricks, and takeaways to raise money-smart kids:Start young—teach giving, saving, and spending with jars or envelopes.Skip phrases like "we’re broke" and focus on family choices and priorities.Involve them in budgeting outings and eating out.Let them contribute—like paying for their own haircuts or activities.Show them how savings and investing can grow into big goals.Teach the power of compounding (yes, they really can become millionaires).Explore better savings options like money market accounts.Encourage them to take responsibility for their financial future.We also talk about helping kids pay for bigger expenses like summer camps, personal items, and later—car insurance or college.These strategies build strong money habits and financial confidence for life. 💪💵Connect With Us: 1️⃣ Facebook Group – Join the community. Our free group is where the real talk happens. Connect with other women who are learning how to budget, save, and finally feel in control, together. ➡︎ budgetbesties.com/facebook 2️⃣ Automate Your Budget Masterclass – Watch it now, no waiting. This FREE on-demand training shows you how to set up a budget that matches your lifestyle, without tracking every dollar or feeling restricted. ➡︎ budgetbesties.com/automate 3️⃣ Budget – Grab our Simplified Budget System! You don’t need another budget, you need a system that does the math, makes the plan, and gives you permission to spend. ➡︎ budgetbesties.com/budget 4️⃣ Private 1-on-1 Coaching – Get a plan and a coach. We’ll build your full budget system together, so you always know what to do and feel confident doing it. ➡︎ budgetbesties.com/coaching 5️⃣ Be on the Podcast – Free coaching, real convo. Come chat with us on the show! Get real-time financial coaching and help other women by sharing your story. ➡︎ budgetbesties.com/livecall "I love Shana & Vanessa and this podcast is amazing!" 👈🏻 If that sounds like you, please consider rating and reviewing our show! It helps us to reach more people – just like you – to help them change their financial future. Don’t forget to follow the show so you don’t miss any episodes! And, if you’re feeling really generous, we’d be SO honored if you would share this podcast with someone. Click here to view our privacy policy. This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase!

⁠Grab the Grocery Budget Challenge Checklist⁠ Why is money called dough? Because we all knead it! Woohoo, welcome to another exciting episode, folks! 🎙️ This time, we're peeling back the curtain on the thrilling world of grocery shopping with our special guest, Marc Porten, Vanessa's husband! 🌟 (he loves Dad jokes)👨‍🍳 Marc is sharing his his 27-year experience in the food retail industry and he's dropping some major wisdom bombs on grocery savings. 💣💡 🧾 Learn the art of shopping with a budget, planning meals, and hunting for those sweet, sweet deals! 🎯🛒 🤑 Shop the Ad! Discover the magic of market ground beef! Keep that chicken skin on for flavor and savings. 🍗🍔 Speaking of meat, Marc shares how less expensive cuts can be just as tasty. Cha-ching! 💰🥩 Time to reveal the secret of store brands - they're often just as good, and you can save a bundle! 🛍️📦 Buying in bulk can be a money-saver, but remember, no hoarding perishables! Keep it smart. 🤓🛍️ Perk programs at stores? They're like your little savings sidekick. 🦸‍♂️🔍 Beware of carrageenan - the sneaky filler in some products that can mess with your food quality! 😱🎉 We wrap up with some reflections on the ever-growing choices in grocery stores. 🤯There you go! 🎉 A fun, informative chat on budget-friendly grocery shopping with Marc. Tune in, get savvy, and save some dough! 💰😄🛒 #GroceryGoalsConnect With Us: 1️⃣ Facebook Group – Join the community. Our free group is where the real talk happens. Connect with other women who are learning how to budget, save, and finally feel in control, together. ➡︎ budgetbesties.com/facebook 2️⃣ Automate Your Budget Masterclass – Watch it now, no waiting. This FREE on-demand training shows you how to set up a budget that matches your lifestyle, without tracking every dollar or feeling restricted. ➡︎ budgetbesties.com/automate 3️⃣ Budget – Grab our Simplified Budget System! You don’t need another budget, you need a system that does the math, makes the plan, and gives you permission to spend. ➡︎ budgetbesties.com/budget 4️⃣ Private 1-on-1 Coaching – Get a plan and a coach. We’ll build your full budget system together, so you always know what to do and feel confident doing it. ➡︎ budgetbesties.com/coaching 5️⃣ Be on the Podcast – Free coaching, real convo. Come chat with us on the show! Get real-time financial coaching and help other women by sharing your story. ➡︎ budgetbesties.com/livecall "I love Shana & Vanessa and this podcast is amazing!" 👈🏻 If that sounds like you, please consider rating and reviewing our show! It helps us to reach more people – just like you – to help them change their financial future. Don’t forget to follow the show so you don’t miss any episodes! And, if you’re feeling really generous, we’d be SO honored if you would share this podcast with someone. Click here to view our privacy policy. This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase!

⁠Grab the Grocery Budget Challenge Checklist⁠ We're back with another episode of our Grocery Budget Challenge podcast series. Today, we're diving into the world of sales and how you can shop smarter, not harder. 🛒💰Timing is Everything: First things first, folks, timing is key when it comes to snagging those awesome deals. Sales go in cycles, just like the changing seasons. For example, think about berries—they're super cheap when they're in season, right? 🍓 So pay attention to those cycles and buy when prices are at their lowest.Frozen Section Magic: And remember, if your favorite produce isn't on sale, check out the frozen section. They pick fruits and veggies at their peak, and you can often score great deals there. It's like Mother Nature's BOGO! ❄️BOGO Mania: Speaking of BOGO, when something you love and use regularly is on sale, grab as much as you can without turning your house into a storage unit. Buying in bulk when your staples are on sale is a budget superhero move. 💥Price Comparison: Now, let's talk about comparing prices. Sure, you might always shop at your neighborhood grocery store, but have you considered checking out the stores down the street? You might be surprised at the savings just a few blocks away. Use websites and apps to easily compare prices, and remember, driving 45 minutes to save 20 bucks isn't really saving! 🚗💨Planning Meals Around Sales: Here's a pro tip—plan your meals around the discounted items you find. If you see a fantastic deal on chicken, start thinking about all the delicious chicken dishes you can whip up that week. It's like meal planning meets bargain hunting. 🍗🍽️Be Flexible: Sometimes, you'll stumble upon unexpected clearance items or sales that weren't in your original plan. Don't be afraid to adjust your meal plans and take advantage of those deals. It's all about adapting to the savings opportunities that come your way. 🛒🧐Freeze It: If you bought something on sale but can't use it right away, don't let it go to waste. Freeze it! This way, you've got a freezer stocked with discounted goodies for future meals. ❄️🍴Stay Focused: Lastly, create a shopping list based on your meal plan and stick to it! Don't get distracted by shiny objects or impulse purchases. Staying focused will help you stay within your budget. 📋💡Connect With Us: 1️⃣ Facebook Group – Join the community. Our free group is where the real talk happens. Connect with other women who are learning how to budget, save, and finally feel in control, together. ➡︎ budgetbesties.com/facebook 2️⃣ Automate Your Budget Masterclass – Watch it now, no waiting. This FREE on-demand training shows you how to set up a budget that matches your lifestyle, without tracking every dollar or feeling restricted. ➡︎ budgetbesties.com/automate 3️⃣ Budget – Grab our Simplified Budget System! You don’t need another budget, you need a system that does the math, makes the plan, and gives you permission to spend. ➡︎ budgetbesties.com/budget 4️⃣ Private 1-on-1 Coaching – Get a plan and a coach. We’ll build your full budget system together, so you always know what to do and feel confident doing it. ➡︎ budgetbesties.com/coaching 5️⃣ Be on the Podcast – Free coaching, real convo. Come chat with us on the show! Get real-time financial coaching and help other women by sharing your story. ➡︎ budgetbesties.com/livecall "I love Shana & Vanessa and this podcast is amazing!" 👈🏻 If that sounds like you, please consider rating and reviewing our show! It helps us to reach more people – just like you – to help them change their financial future. Don’t forget to follow the show so you don’t miss any episodes! And, if you’re feeling really generous, we’d be SO honored if you would share this podcast with someone. Click here to view our privacy policy. This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase!

⁠Grab the Grocery Budget Challenge Checklist⁠ Hey there, amazing ladies! It's Shana & Vanessa, and we're back with Day 4 of our Grocery Budget Challenge podcast series. 🛒💰Today, we're diving deep into the magic of labels, those little bitty, tiny, small things that hold the key to saving money on your groceries. So buckle up, ladies, and let's empower you to make better choices for both your budget and your wellbeing.1. Cost Per Ounce (or Unit) 💲 - This is our favorite! It's like a secret weapon. Look at the cost per ounce or unit. It's the same for all brands and sizes, making it easy to find the best deal. No one's going to mess with us when we're reading labels!2. Compare Prices Across Products 🧐 - Don't just stick to your usual brands; compare prices. You might find a hidden gem that's both budget-friendly and high-quality. Think dish soap, boxed items, or even chicken cuts.3. Generic or Store Brands 🛒 - Yep, they're often produced in the same place as name brands. So why pay more for fancy packaging? Turn those labels around and see if it's the exact same product.4. Ingredients Matter 🧪 - Dive into the ingredients list. Check for hidden sugars and additives. If you can't read it or don't recognize the word, consider another option.5. Nutritional Value 🍎 - Check the label for nutritional information. Are you getting the best bang for your buck? It's not just about saving money; it's about making informed, healthier choices for your family.6. Non-Negotiables 🚫 - We all have those items we won't budge on (like Vanessa's pickles). It's okay to splurge on your favorites. But for other items, consider store brands.7. Eye-Level Trick 👁️ - Brands pay for that prime shelf space at eye level. Store brands are often just as good and cheaper. So do a little squat or reach to grab them!8. Create a New Shopping List 📝 - Based on what you've learned today, update your shopping list with budget-friendly staple items. Mustard, butter, ketchup, almond milk - they all count!9. Keep Checking Labels 👀 - Don't stop here. Every time you shop, check the cost per unit or ounce. It's part of your new shopping routine.So there you have it, Day 4 of our Grocery Budget Challenge. Grab that checklist, ladies, and start making those labels work for you. 🛒💪Connect With Us: 1️⃣ Facebook Group – Join the community. Our free group is where the real talk happens. Connect with other women who are learning how to budget, save, and finally feel in control, together. ➡︎ budgetbesties.com/facebook 2️⃣ Automate Your Budget Masterclass – Watch it now, no waiting. This FREE on-demand training shows you how to set up a budget that matches your lifestyle, without tracking every dollar or feeling restricted. ➡︎ budgetbesties.com/automate 3️⃣ Budget – Grab our Simplified Budget System! You don’t need another budget, you need a system that does the math, makes the plan, and gives you permission to spend. ➡︎ budgetbesties.com/budget 4️⃣ Private 1-on-1 Coaching – Get a plan and a coach. We’ll build your full budget system together, so you always know what to do and feel confident doing it. ➡︎ budgetbesties.com/coaching 5️⃣ Be on the Podcast – Free coaching, real convo. Come chat with us on the show! Get real-time financial coaching and help other women by sharing your story. ➡︎ budgetbesties.com/livecall "I love Shana & Vanessa and this podcast is amazing!" 👈🏻 If that sounds like you, please consider rating and reviewing our show! It helps us to reach more people – just like you – to help them change their financial future. Don’t forget to follow the show so you don’t miss any episodes! And, if you’re feeling really generous, we’d be SO honored if you would share this podcast with someone. Click here to view our privacy policy. This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase!

⁠Grab the Grocery Budget Challenge Checklist⁠ Hey there, lovely listeners! It's Shana and Vanessa, and we're here to break down all the goodies from our latest podcast episode, Day 3 of our Grocery Budget Challenge. 🛒💰The Big Secret: Stop Buying Convenience or Junk Food 😱We hope you're as excited as we are, because today we're dishing out the number one way to supercharge your grocery budget. It's Day 3, and we're diving right in. So, here's the scoop:1. The Convenience Trap: Convenience and junk foods may seem like quick fixes, but they often come with a hidden price tag. You're not just paying for the food; you're also paying for the convenience of someone else doing the work for you. 💸🙅‍♀️ 💡 Tip: Calculate the cost per serving of your favorite convenience snacks. The difference will surprise you! 💡💰2. Upfront Work Pays Off: We get it; there might be some upfront effort involved in ditching convenience foods. But once you make the switch, you'll love the results. Plus, it'll save you time and money in the long run. ⏰💪3. Say No to Bottled Water: Get yourself a reusable water bottle. You can find some stylish ones, and they're not just eco-friendly; they're budget-friendly too. No need to pay for someone else to bottle your H2O! 🌊💧4. DIY Lunchables: Whether for kids or adults, making your own "Lunchables" is a game-changer. You control the ingredients and quality, and it's usually cheaper. Win-win! 🍱👩‍🍳5. Homemade Baby Food: Skip those pricey baby food pouches. You can make your own at home, and it's healthier and more budget-friendly. 👶🍼6. Bulk Buying Magic: Think beyond the single-serve items. Buying in bulk and portioning it out yourself saves money and reduces waste. Get creative with reusable containers! 🌽🥜7. Frozen Breakfast Alternatives: Instead of those frozen breakfast options, make your own. It's healthier, and you know exactly what goes into it. 🥞🍳8. Microwaveable Side Dishes: Convenience comes at a cost, both in terms of your budget and health. Make side dishes from scratch and freeze them if needed. 🍚🥦9. Uncrustables Unveiled: Even the iconic Uncrustables can be made at home. It's cheaper, healthier, and you can personalize them to your heart's content. 🥪🥜10. Cut Your Own Veggies and Fruits: Pre-cut fruits and veggies may save time, but they're pricier. Embrace the DIY approach, and you'll save money and reduce waste. 🍎🥕Additional Benefits: By saying goodbye to convenience and junk foods, you'll reduce impulse buys, get more out of your groceries, and have the opportunity to meal plan and prep like a pro. 💡🍽️Your Action Items: Ready to take action? Here's your checklist:1. Identify: List the convenience or junk foods you often buy without thinking. 📝2. Discuss: Chat with your family about alternative options. Get their input and buy-in. 👨‍👩‍👧‍👦3. Plan: Plan simple, healthy, homemade swaps or different ways to purchase items. 📅🥗And don't forget to grab your downloadable checklist at myidealbalance.com/food to keep track of your progress. You've got this! See you back for Day 4 of our Grocery Budget Challenge. 💪💵4 Ways To Connect With Us:1️⃣ FREE CALL: Book your FREE 20-Minute Financial Coaching Call now! Get personalized advice and start your financial journey ➡︎ https://www.budgetbesties.com/freecall 2️⃣ FACEBOOK: Become part of our Supportive Facebook Group. Connect, share, and learn with others mastering their budget skills ➡︎ https://www.budgetbesties.com/facebook 3️⃣ BUDGET: Grab our Signature Budget Template! It's your key to organizing and optimizing your finances effectively ➡︎ https://budgetbesties.com/budget 4️⃣ COACHING: Ready to dive deep into your finances? Sign up for 1-on-1 or Group Financial Coaching. It’s the accountability and guidance you need to make real progress ➡︎ https://budgetbesties.com/coaching

⁠Grab the Grocery Budget Challenge Checklist⁠ Hey there, it's Shana and Vanessa, your financial coaches, back with some awesome takeaways from our podcast episode on stretching your grocery budget by buying in bulk and using subscriptions. Let's dive right into it:1. Cost Savings with Buying in Bulk or Subscriptions: - Buying in bulk typically means a lower cost per unit. 🛒💰 - You might pay more upfront, but it's cost-effective in the long run. 📦💲 - Think strategically about larger purchases, especially staple items. 🤔🍞2. Planning for Bulk Purchases: - Plan your grocery budget and identify what items can be bought in bulk. 📅✅ - Consider setting up subscriptions for certain products to maintain budget consistency. 📥💳3. Subscription Benefits: - Subscriptions help keep your grocery budget consistent. 💳💼 - You can set up different bulk items each month to fit your needs. 🗓️📦 - Be strategic with subscriptions to save money and avoid overcommitting. 💡🔒4. Saving on Quality Products: - Research quality products that are important to you, like coffee or health items. ☕🏋️ - Buying these items in bulk or on subscription can lead to significant savings. 🤑🌿5. Shared Subscriptions: - Share subscriptions with family or friends to save on shipping and costs. 👭📦 - Collaborate to buy items in bulk and split the expenses. 💪🤝6. Flexibility Is Key: - Be flexible in your bulk and subscription choices. Not everything needs to be bought in bulk. 🔄👛 - Smaller weekly shopping trips for perishables save time and reduce impulse buying. 🛒⏳7. Always Be Prepared: - Buying in bulk means you're always stocked up on essentials, reducing the risk of running out. 🙌🧻 - Having options readily available encourages healthier meal choices. 🥗💡8. Time and Money Saver: - Less frequent trips to the store save both time and gas money. ⛽🕒Head to budgetbesties.com/food to grab our checklist for making bulk and subscription purchases. ✅✅Remember, your health is your wealth, and saving on groceries can help you prioritize both! We're here to help you achieve your financial goals while making your life simpler and more budget-friendly. Stay tuned for day three of our grocery budget challenge! 🎉🛒💪Connect With Us: 1️⃣ Facebook Group – Join the community. Our free group is where the real talk happens. Connect with other women who are learning how to budget, save, and finally feel in control, together. ➡︎ budgetbesties.com/facebook 2️⃣ Automate Your Budget Masterclass – Watch it now, no waiting. This FREE on-demand training shows you how to set up a budget that matches your lifestyle, without tracking every dollar or feeling restricted. ➡︎ budgetbesties.com/automate 3️⃣ Budget – Grab our Simplified Budget System! You don’t need another budget, you need a system that does the math, makes the plan, and gives you permission to spend. ➡︎ budgetbesties.com/budget 4️⃣ Private 1-on-1 Coaching – Get a plan and a coach. We’ll build your full budget system together, so you always know what to do and feel confident doing it. ➡︎ budgetbesties.com/coaching 5️⃣ Be on the Podcast – Free coaching, real convo. Come chat with us on the show! Get real-time financial coaching and help other women by sharing your story. ➡︎ budgetbesties.com/livecall "I love Shana & Vanessa and this podcast is amazing!" 👈🏻 If that sounds like you, please consider rating and reviewing our show! It helps us to reach more people – just like you – to help them change their financial future. Don’t forget to follow the show so you don’t miss any episodes! And, if you’re feeling really generous, we’d be SO honored if you would share this podcast with someone. Click here to view our privacy policy. This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase!

Grab the Grocery Budget Challenge Checklist 💡 Are you dealing with those ever-increasing grocery bills and seemingly bottomless stomachs at home? We totally get it! But fret not, because we've got some quick tips and actionable steps to slash those grocery costs. Today we're breaking down Day 1 of our Grocery Budget Challenge. 🛒💰🍏 We're diving into a topic we're super passionate about: swapping unhealthy and empty calories with nutritious and filling options. Let's get started with our top five tips! 💪🍎Choose Nutrient-Dense Foods: Opt for foods that pack a punch of vitamins and minerals without piling on the calories. They'll keep you fuller for longer, and that's a win for both your wallet and your waistline! 🥦🍓Ditch Sugary Beverages: Say goodbye to sugary drinks at home. Save them for special occasions, and you'll save money and your family's health. 🥤💧Replace Junk Food: Swap out those tempting, unhealthy snacks with better options. Think berries instead of candy and unsalted nuts instead of chips. Your budget and your teeth will thank you!Practice Portion Control: When you have only healthy options at home, it's easier to stick to appropriate portion sizes. Bye-bye, overeating! 🍽️Include Healthy Starches: Make sure each meal includes a healthy starch like quinoa, sweet potatoes, or whole grains. It'll help your family feel satisfied and energized throughout the day. 🍠🌾Remember, if you've got teens at home, they'll eat everything in sight, so let's make sure it's all good stuff! 🥗🍌And the golden rule: If it's not in the house, they can't eat it! Keep those junk foods away, and they'll only eat when they're truly hungry. 💪🏡Here's to healthier choices and a budget-friendly shopping list! 🙌Ready to take action? Head to budgetbesties.com/food to download your challenge checklist for today. 👉✅Stay tuned for the next four days of money-saving tips and tricks coming your way. We believe in you! 🌟Connect With Us: 1️⃣ Facebook Group – Join the community. Our free group is where the real talk happens. Connect with other women who are learning how to budget, save, and finally feel in control, together. ➡︎ budgetbesties.com/facebook 2️⃣ Automate Your Budget Masterclass – Watch it now, no waiting. This FREE on-demand training shows you how to set up a budget that matches your lifestyle, without tracking every dollar or feeling restricted. ➡︎ budgetbesties.com/automate 3️⃣ Budget – Grab our Simplified Budget System! You don’t need another budget, you need a system that does the math, makes the plan, and gives you permission to spend. ➡︎ budgetbesties.com/budget 4️⃣ Private 1-on-1 Coaching – Get a plan and a coach. We’ll build your full budget system together, so you always know what to do and feel confident doing it. ➡︎ budgetbesties.com/coaching 5️⃣ Be on the Podcast – Free coaching, real convo. Come chat with us on the show! Get real-time financial coaching and help other women by sharing your story. ➡︎ budgetbesties.com/livecall "I love Shana & Vanessa and this podcast is amazing!" 👈🏻 If that sounds like you, please consider rating and reviewing our show! It helps us to reach more people – just like you – to help them change their financial future. Don’t forget to follow the show so you don’t miss any episodes! And, if you’re feeling really generous, we’d be SO honored if you would share this podcast with someone. Click here to view our privacy policy. This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase!

Snag Our Simplified Budget System! 👋 Ever dug through couch cushions for gas money or hoped there’s enough change in your car to buy something before payday? 💸🚗 Yeah, we’ve been there too. If you're nodding along, this episode is for you. 🎧We’re talking about breaking free from the paycheck-to-paycheck cycle—the one where you’re always asking, “When’s payday again?” 🔄We’re financial coaches, and we love helping people just like you get on a budget that works. 🙌 Want help? Visit our website and check out the wins our clients are having!Here’s the shift: Stop assigning bills to specific paychecks. Treat your income as one monthly pot. 💰 Make a monthly budget and create a paycheck plan that moves money to a bills-only account. 🏦Then? Consistency. Each paycheck funds your bills, spending, and savings—automatically. No more feast or famine. 🔄Groceries? Covered. Gas? Yep. Emergencies? You're ready. 🛒⛽Set up auto-transfers, and let your budget run itself. 🎯Financial freedom just got way more doable. 🙌Connect With Us: 1️⃣ Facebook Group – Join the community. Our free group is where the real talk happens. Connect with other women who are learning how to budget, save, and finally feel in control, together. ➡︎ budgetbesties.com/facebook 2️⃣ Automate Your Budget Masterclass – Watch it now, no waiting. This FREE on-demand training shows you how to set up a budget that matches your lifestyle, without tracking every dollar or feeling restricted. ➡︎ budgetbesties.com/automate 3️⃣ Budget – Grab our Simplified Budget System! You don’t need another budget, you need a system that does the math, makes the plan, and gives you permission to spend. ➡︎ budgetbesties.com/budget 4️⃣ Private 1-on-1 Coaching – Get a plan and a coach. We’ll build your full budget system together, so you always know what to do and feel confident doing it. ➡︎ budgetbesties.com/coaching 5️⃣ Be on the Podcast – Free coaching, real convo. Come chat with us on the show! Get real-time financial coaching and help other women by sharing your story. ➡︎ budgetbesties.com/livecall "I love Shana & Vanessa and this podcast is amazing!" 👈🏻 If that sounds like you, please consider rating and reviewing our show! It helps us to reach more people – just like you – to help them change their financial future. Don’t forget to follow the show so you don’t miss any episodes! And, if you’re feeling really generous, we’d be SO honored if you would share this podcast with someone. Click here to view our privacy policy. This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase!

Book A Free Financial Coaching Call! Hey there, lovely listeners! 👋 We've got an inspiring case study to share with you today about budgeting after divorce and the challenges of managing finances on a single income. Even if you haven't experienced divorce, this episode has valuable insights for anyone looking to improve their financial game.. Let's dive in! 🌊💪 Our amazing client embarked on a seven-month coaching journey with us during her divorce. She was a single mom with three kids, juggling various debts, and living on a single income. Her story is a testament to what's possible when you take control of your finances.📋 What did she accomplish? Let's break it down:Income: $3,600 per month (on the conservative side)Debt Paid Off: A whopping $17,000, including clearing all collections!Minimum Monthly Payments: Reduced from $5,091 to $0 Savings: Skyrocketed from $1,000 to $24,000 🚀👨‍👩‍👧‍👦 She also involved her kids in the financial journey, teaching them about budgeting and the importance of saying "no" when necessary. It's a valuable life lesson that will serve them well.📊 Organization and strategy were key. She took action, called collection agencies to negotiate early payoff amounts, checked her credit report monthly, and even used her tax return to tackle credit card debt. Remember, it's all about smart money moves!🚗 Dealing with multiple cars and accounts tied to her ex-husband was a bit complicated, but she faced it head-on. She had to change the names on accounts and even sell a car to make her financial life more manageable.💔 Closing the chapter with her ex was challenging but essential. It allowed her to gain closure and move forward, unburdened by financial ties to the past.💡 The bottom line? Budgeting after divorce and managing a single income can be tough, but with the right plan and support, you can conquer it. Our client's journey is proof that financial freedom is within your reach. Connect With Us: 1️⃣ Facebook Group – Join the community. Our free group is where the real talk happens. Connect with other women who are learning how to budget, save, and finally feel in control, together. ➡︎ budgetbesties.com/facebook 2️⃣ Automate Your Budget Masterclass – Watch it now, no waiting. This FREE on-demand training shows you how to set up a budget that matches your lifestyle, without tracking every dollar or feeling restricted. ➡︎ budgetbesties.com/automate 3️⃣ Budget – Grab our Simplified Budget System! You don’t need another budget, you need a system that does the math, makes the plan, and gives you permission to spend. ➡︎ budgetbesties.com/budget 4️⃣ Private 1-on-1 Coaching – Get a plan and a coach. We’ll build your full budget system together, so you always know what to do and feel confident doing it. ➡︎ budgetbesties.com/coaching 5️⃣ Be on the Podcast – Free coaching, real convo. Come chat with us on the show! Get real-time financial coaching and help other women by sharing your story. ➡︎ budgetbesties.com/livecall "I love Shana & Vanessa and this podcast is amazing!" 👈🏻 If that sounds like you, please consider rating and reviewing our show! It helps us to reach more people – just like you – to help them change their financial future. Don’t forget to follow the show so you don’t miss any episodes! And, if you’re feeling really generous, we’d be SO honored if you would share this podcast with someone. Click here to view our privacy policy. This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase!

Snag Our Simplified Budget System! Hey there, it's Shana and Vanessa, your Budget Besties! In this podcast episode, we're diving deep into practical strategies that have helped us & our clients live below our means and gain financial stability. We know how stressful and messy living above your means can be so we're here to help you get out of that cycle! Here are some of the nuggets form the episode: Budget Like Pros: First things first, let's get real about budgeting. It's the foundation of our financial success, and it can be for you too. Start by creating a budget to understand where your money goes.Cash is King: We've learned that using cash instead of credit cards can naturally rein in spending. It helps you stay accountable and build a healthier relationship with your finances.Smart Vacationing: We're all about having fun, but we've found ways to do it without breaking the bank. Be strategic with vacations, opt for budget-friendly options, and plan ahead to avoid overspending.The Power of No: Learning to say no is a game-changer. Say no to unnecessary expenses, both for yourself and when setting boundaries with friends and family.Enjoy Life for Less: You don't have to splurge to have a good time. We'll show you how to find alternative, budget-friendly ways to enjoy life without compromising on quality.Debt Demolition: We've tackled our debt habits head-on. Avoid carrying credit cards, and really think twice before making purchases you can't afford. It's all about financial self-care.Cooking In: Eating out can be a budget buster. We've got tips for cutting down on restaurant expenses and meal planning to save money and eat healthier.These are the actionable steps that have helped our clients turn their financial situation around, and we know they can work for you too. Connect With Us: 1️⃣ Facebook Group – Join the community. Our free group is where the real talk happens. Connect with other women who are learning how to budget, save, and finally feel in control, together. ➡︎ budgetbesties.com/facebook 2️⃣ Automate Your Budget Masterclass – Watch it now, no waiting. This FREE on-demand training shows you how to set up a budget that matches your lifestyle, without tracking every dollar or feeling restricted. ➡︎ budgetbesties.com/automate 3️⃣ Budget – Grab our Simplified Budget System! You don’t need another budget, you need a system that does the math, makes the plan, and gives you permission to spend. ➡︎ budgetbesties.com/budget 4️⃣ Private 1-on-1 Coaching – Get a plan and a coach. We’ll build your full budget system together, so you always know what to do and feel confident doing it. ➡︎ budgetbesties.com/coaching 5️⃣ Be on the Podcast – Free coaching, real convo. Come chat with us on the show! Get real-time financial coaching and help other women by sharing your story. ➡︎ budgetbesties.com/livecall "I love Shana & Vanessa and this podcast is amazing!" 👈🏻 If that sounds like you, please consider rating and reviewing our show! It helps us to reach more people – just like you – to help them change their financial future. Don’t forget to follow the show so you don’t miss any episodes! And, if you’re feeling really generous, we’d be SO honored if you would share this podcast with someone. Click here to view our privacy policy. This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase!

Snag Our Simplified Budget System! Today, we're diving deep into the world of budgeting and answering a burning question: What is zero-based budgeting?We received a great question from our Facebook group. Someone asked, "What is zero-based budgeting, and how do I do it?" This inspired us to break it down and make budgeting accessible to all.📊 Setting the Stage with Our Budgeting Tool:- We use an amazing budget spreadsheet, and you can get it too (with a discount code) if you're interested.- It's designed to be user-friendly with clean fonts and clear sections.💰 Step 1: Understanding Your Income:- Start by inputting your income, the money you're bringing in.- Every dollar is your soldier, and you're the commander.🧾 Step 2: Debt Minimum Payments:- Now, let's tackle your debts.- Minimum payments are non-negotiable; you owe them.- Subtract your minimum debt payments from your total income.💡 Step 3: Budget Categories:- Next up are your bills and expenses.- These include essentials like utilities, groceries, subscriptions, and insurance.- Subtract these from your remaining budget.🍔 Step 4: Discretionary Spending:- Here's where you decide what truly matters.- Dining out, entertainment, pocket money – you choose how to spend.- Allocate funds to these categories wisely.💼 Step 5: Savings (or Extra Debt Payment):- If your priority is paying off debt, allocate the remaining money to debt payments.- In our example, we have some savings goals.- Set aside money for planned expenses, like travel or gifts.🔄 Step 6: Getting to Zero:- The magic happens when you get to zero.- Every dollar has a job, and the goal is to assign them all.- If you have any money left, put it towards your financial goals.💪 Step 7: Be the Supervisor of Your Dollars:- Remember, you're in control.- Make sure every dollar fulfills its job – no extra jobs allowed!📅 Step 8: Pay Debt Strategically:- When allocating money to debt, split it among your paychecks.- Don't wait until the end of the month; act as soon as you get paid.🔑 Conclusion:- Zero-based budgeting is all about intention and control.- Plan for everything, be intentional with every dollar, and watch your financial goals come to life.Connect With Us: 1️⃣ Facebook Group – Join the community. Our free group is where the real talk happens. Connect with other women who are learning how to budget, save, and finally feel in control, together. ➡︎ budgetbesties.com/facebook 2️⃣ Automate Your Budget Masterclass – Watch it now, no waiting. This FREE on-demand training shows you how to set up a budget that matches your lifestyle, without tracking every dollar or feeling restricted. ➡︎ budgetbesties.com/automate 3️⃣ Budget – Grab our Simplified Budget System! You don’t need another budget, you need a system that does the math, makes the plan, and gives you permission to spend. ➡︎ budgetbesties.com/budget 4️⃣ Private 1-on-1 Coaching – Get a plan and a coach. We’ll build your full budget system together, so you always know what to do and feel confident doing it. ➡︎ budgetbesties.com/coaching 5️⃣ Be on the Podcast – Free coaching, real convo. Come chat with us on the show! Get real-time financial coaching and help other women by sharing your story. ➡︎ budgetbesties.com/livecall "I love Shana & Vanessa and this podcast is amazing!" 👈🏻 If that sounds like you, please consider rating and reviewing our show! It helps us to reach more people – just like you – to help them change their financial future. Don’t forget to follow the show so you don’t miss any episodes! And, if you’re feeling really generous, we’d be SO honored if you would share this podcast with someone. Click here to view our privacy policy. This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase!

Snag Our Simplified Budget System! In this lively episode of our podcast, we dive deep into the world of friendship, business partnership, and the highs and lows of both life and entrepreneurship. Join us, two best friends and financial coaches, as we share our candid experiences and insights:Episode Highlights:- 🙋‍♀️ The unique dynamic of being best friends and business partners.- 🏡 Balancing work and family life, especially when husbands retire!- 💰 The financial challenges and rewards of entrepreneurship.- 🏐 A fun volleyball game that led to an unexpected wardrobe choice.- 📚 The launch of our exciting new budgeting workbook.- 👨‍👩‍👧‍👦 Navigating the joys and challenges of raising teenagers.- 💡 Insights into working from home together as a couple.- 😅 DIY podcast recording setups and the need for professional equipment.- 🐶 A glimpse into the entertaining world of our pet co-hosts.Learn More About The ONLY Business Bank We Recommend! Connect With Us: 1️⃣ Facebook Group – Join the community. Our free group is where the real talk happens. Connect with other women who are learning how to budget, save, and finally feel in control, together. ➡︎ budgetbesties.com/facebook 2️⃣ Automate Your Budget Masterclass – Watch it now, no waiting. This FREE on-demand training shows you how to set up a budget that matches your lifestyle, without tracking every dollar or feeling restricted. ➡︎ budgetbesties.com/automate 3️⃣ Budget – Grab our Simplified Budget System! You don’t need another budget, you need a system that does the math, makes the plan, and gives you permission to spend. ➡︎ budgetbesties.com/budget 4️⃣ Private 1-on-1 Coaching – Get a plan and a coach. We’ll build your full budget system together, so you always know what to do and feel confident doing it. ➡︎ budgetbesties.com/coaching 5️⃣ Be on the Podcast – Free coaching, real convo. Come chat with us on the show! Get real-time financial coaching and help other women by sharing your story. ➡︎ budgetbesties.com/livecall "I love Shana & Vanessa and this podcast is amazing!" 👈🏻 If that sounds like you, please consider rating and reviewing our show! It helps us to reach more people – just like you – to help them change their financial future. Don’t forget to follow the show so you don’t miss any episodes! And, if you’re feeling really generous, we’d be SO honored if you would share this podcast with someone. Click here to view our privacy policy. This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase!

Snag Our Simplified Budget System! It's October, and you know what that means – pumpkin spice lattes, falling leaves, and budgeting for all the special October treats! 🎃🍁 Let's make that October budget!Wrapping Up September: - Remember September? It felt like the longest month ever, right? But don't worry if it didn't go as planned. We're here to help you review what happened, what you forgot to budget for (raise your hand if it was a surprise dental bill 🙋‍♀️), and make sure September's all wrapped up before we move on.October Income & Expenses: - Check your income sources for October. Any changes, bonuses, or unexpected fluctuations? It's bonus season for some folks, so make sure you account for those sweet surprises. - Review your expenses. What's changing? Did you forget to budget for those cozy fall outings, Halloween costumes, or even Christmas? Yes, Christmas is coming, and it's never too early to plan for it. 🎄Setting Goals for October: - What are your goals for this month? Maybe it's saving more, paying off debt, or finally setting up that bills account. It could even be as simple as using cash for your daily expenses or following a paycheck plan. - Think about non-monetary goals too. Are you aiming to create better budgeting habits, like checking your bills more regularly or switching to energy-efficient practices?October's Special Budget Items: - Pause and reflect on your financial goals for October while considering the special October delights. What's the one thing you can do right now to get started? It might be grabbing our budget system, a powerful tool to guide your financial journey. - We're talking about budgeting for pumpkin patches, corn mazes, and cozy fall outings. Don't forget those Halloween costumes and decorations! And yes, Christmas is on the horizon, so it's never too early to start budgeting for that festive season. 🎃🌽👻Remember, October is the perfect time for a fresh start. 🍂 It's like a mini New Year's resolution, but without the pressure. So sit down, cozy up with your budget, and let's make this month amazing for your finances!Connect With Us: 1️⃣ Facebook Group – Join the community. Our free group is where the real talk happens. Connect with other women who are learning how to budget, save, and finally feel in control, together. ➡︎ budgetbesties.com/facebook 2️⃣ Automate Your Budget Masterclass – Watch it now, no waiting. This FREE on-demand training shows you how to set up a budget that matches your lifestyle, without tracking every dollar or feeling restricted. ➡︎ budgetbesties.com/automate 3️⃣ Budget – Grab our Simplified Budget System! You don’t need another budget, you need a system that does the math, makes the plan, and gives you permission to spend. ➡︎ budgetbesties.com/budget 4️⃣ Private 1-on-1 Coaching – Get a plan and a coach. We’ll build your full budget system together, so you always know what to do and feel confident doing it. ➡︎ budgetbesties.com/coaching 5️⃣ Be on the Podcast – Free coaching, real convo. Come chat with us on the show! Get real-time financial coaching and help other women by sharing your story. ➡︎ budgetbesties.com/livecall "I love Shana & Vanessa and this podcast is amazing!" 👈🏻 If that sounds like you, please consider rating and reviewing our show! It helps us to reach more people – just like you – to help them change their financial future. Don’t forget to follow the show so you don’t miss any episodes! And, if you’re feeling really generous, we’d be SO honored if you would share this podcast with someone. Click here to view our privacy policy. This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase!

Snag Our Simplified Budget System! We're on day five of our budget school, and today, we're talking all about savings, emergency funds, and investments. Here are some episode highlights: Savings 101: Savings is the part of your budget that's not being spent for right now. It's money set aside for the future. We want to help you be prepared for life's expected expenses.Emergency Fund: Start with a mini emergency fund, like $1,000, which can vary depending on your family size and comfort level. The goal is to have 3-6 months' worth of living expenses set aside in a dedicated account.Investments: Investing is a crucial part of financial planning. Aim to save at least 15% of your income for investments, but adjust based on your goals and financial situation.Budgeting for Savings: Create savings buckets for annual or irregular expenses like Christmas, birthdays, and car maintenance. Calculate how much you need for these expenses annually and divide it by 12 to budget monthly.Becoming Your Own Bank: The goal is to rely on your savings and investments rather than credit in emergencies. This financial freedom comes from careful planning and dedication.Action Steps:1. Identify where you are in your financial journey: emergency fund, debt payoff, savings buckets, or investments.2. Start funding your financial goals with each paycheck. Consistency is key.3. Prioritize building your emergency fund before diving into investments.4. Set up savings buckets for expected expenses, so you're prepared when they come up.5. Invest regularly to secure your financial future.Connect With Us: 1️⃣ Facebook Group – Join the community. Our free group is where the real talk happens. Connect with other women who are learning how to budget, save, and finally feel in control, together. ➡︎ budgetbesties.com/facebook 2️⃣ Automate Your Budget Masterclass – Watch it now, no waiting. This FREE on-demand training shows you how to set up a budget that matches your lifestyle, without tracking every dollar or feeling restricted. ➡︎ budgetbesties.com/automate 3️⃣ Budget – Grab our Simplified Budget System! You don’t need another budget, you need a system that does the math, makes the plan, and gives you permission to spend. ➡︎ budgetbesties.com/budget 4️⃣ Private 1-on-1 Coaching – Get a plan and a coach. We’ll build your full budget system together, so you always know what to do and feel confident doing it. ➡︎ budgetbesties.com/coaching 5️⃣ Be on the Podcast – Free coaching, real convo. Come chat with us on the show! Get real-time financial coaching and help other women by sharing your story. ➡︎ budgetbesties.com/livecall "I love Shana & Vanessa and this podcast is amazing!" 👈🏻 If that sounds like you, please consider rating and reviewing our show! It helps us to reach more people – just like you – to help them change their financial future. Don’t forget to follow the show so you don’t miss any episodes! And, if you’re feeling really generous, we’d be SO honored if you would share this podcast with someone. Click here to view our privacy policy. This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase!

Snag Our Simplified Budget System! Ever wonder how much money you should be setting aside for your personal spending every month? 🤔 Curious about creating a realistic grocery budget that won't leave you pinching pennies? 💰 And what's the deal with using cash versus a debit card? 💳 We've got the answers, and we're serving them up with a side of our real life stories today! Here's a sneak peek into what you can expect from our "Spending 101" podcast:🌟 Back to the Basics - In Chapter 1, we'll break down what spending really means. Hint: It's not just savings or bills! We're talking groceries, gas, kids' expenses, and even that occasional treat-yourself moment.🌟 Personal Spending: Why You Need It - Chapter 2 dives into the importance of personal spending. We'll show you how it can prevent impulse spending and keep you on track, all while having a little fun with your hard-earned cash. 💸🌟 Using Cash: The Cash Chronicles - Chapter 3 explores the magic of using cash. Discover how it keeps you accountable, curbs impulse buys, and even teaches your kids about money. Plus, we spill the beans on cash categories and how to make the most of them. 💵🌟 Digital Envelopes: Modern Budgeting - In Chapter 4, we'll introduce you to digital envelopes. It's like your trusty cash system but with a high-tech twist. We'll also guide you on setting up checking accounts for your digital envelopes. 📱💳🌟 How Much to Allot for Spending - Chapter 5 is all about personalization. We'll help you figure out the right spending amounts for your unique budget and goals. From gas to groceries, we've got you covered.So, if you're ready to level up your spending game and take control of your finances, join us on this journey! Don't forget to take on our challenge and get those 90-day insights into your spending habits. Let's make budgeting a breeze! 💪💰✨Connect With Us: 1️⃣ Facebook Group – Join the community. Our free group is where the real talk happens. Connect with other women who are learning how to budget, save, and finally feel in control, together. ➡︎ budgetbesties.com/facebook 2️⃣ Automate Your Budget Masterclass – Watch it now, no waiting. This FREE on-demand training shows you how to set up a budget that matches your lifestyle, without tracking every dollar or feeling restricted. ➡︎ budgetbesties.com/automate 3️⃣ Budget – Grab our Simplified Budget System! You don’t need another budget, you need a system that does the math, makes the plan, and gives you permission to spend. ➡︎ budgetbesties.com/budget 4️⃣ Private 1-on-1 Coaching – Get a plan and a coach. We’ll build your full budget system together, so you always know what to do and feel confident doing it. ➡︎ budgetbesties.com/coaching 5️⃣ Be on the Podcast – Free coaching, real convo. Come chat with us on the show! Get real-time financial coaching and help other women by sharing your story. ➡︎ budgetbesties.com/livecall "I love Shana & Vanessa and this podcast is amazing!" 👈🏻 If that sounds like you, please consider rating and reviewing our show! It helps us to reach more people – just like you – to help them change their financial future. Don’t forget to follow the show so you don’t miss any episodes! And, if you’re feeling really generous, we’d be SO honored if you would share this podcast with someone. Click here to view our privacy policy. This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase!

Snag Our Simplified Budget System! 🌟 Let's dig deep into the world of managing your moolah and bills in a way that's totally streamlined and, dare we say, fun! 🎉First off, gather up all those bills - credit cards, subscriptions, and whatever else is lurking in the financial closet. We want them all in one place, nice and organized. Why? Because clarity is key, my friends!Now, it's time to Marie Kondo your finances! 🧹Identify those duplicates and subscriptions that are just hanging around, taking up space. You know the ones – they're not sparking joy anymore. It's time to kiss 'em goodbye and put more cash back in your wallet. Cha-ching!Here's a little secret: your bills aren't set in stone! 🤫 Yep, you heard me right. Take the opportunity to re-quote those bills like insurance, phone plans, and internet every single year. Shopping around can lead to significant savings. More cash for the fun stuff!To stay on top of your budget game, it's all about distinguishing between your needs and wants. 🏡🚗🍔 We're talking the "four walls" – housing, transportation, and food. These are your essentials, so prioritize them. Now, here's where the magic happens: create a separate account just for bills. 💰 Your paycheck goes there, and bills are paid automatically. No swiping allowed in this account! It's like your financial command center, keeping you on the straight and narrow.Last but not least, think of this bills account as your financial HQ. 🏦 You're the CFO, the big cheese, supervising payments and checking them off as they get settled. It's a stress-free way to handle your money and gives you that sweet, sweet peace of mind. Ahhh, serenity.Oh, and one more thing – don't mix personal and business bills. Keep 'em separate, my friends. 🙅‍♀️Learn More About The ONLY Business Bank We Recommend! Now, let's talk homework, because we're all about action! 📚- List out all those bills, get 'em on paper.- Categorize them, focusing on your "four walls."- Identify and cancel any bills that aren't bringing you joy.- Make a list of bills to re-quote, like insurance.- Create that separate bills-only checking account – it's a game-changer.- Remove that bills account debit card from your wallet and online accounts. Adios, temptation!Connect With Us: 1️⃣ Facebook Group – Join the community. Our free group is where the real talk happens. Connect with other women who are learning how to budget, save, and finally feel in control, together. ➡︎ budgetbesties.com/facebook 2️⃣ Automate Your Budget Masterclass – Watch it now, no waiting. This FREE on-demand training shows you how to set up a budget that matches your lifestyle, without tracking every dollar or feeling restricted. ➡︎ budgetbesties.com/automate 3️⃣ Budget – Grab our Simplified Budget System! You don’t need another budget, you need a system that does the math, makes the plan, and gives you permission to spend. ➡︎ budgetbesties.com/budget 4️⃣ Private 1-on-1 Coaching – Get a plan and a coach. We’ll build your full budget system together, so you always know what to do and feel confident doing it. ➡︎ budgetbesties.com/coaching 5️⃣ Be on the Podcast – Free coaching, real convo. Come chat with us on the show! Get real-time financial coaching and help other women by sharing your story. ➡︎ budgetbesties.com/livecall "I love Shana & Vanessa and this podcast is amazing!" 👈🏻 If that sounds like you, please consider rating and reviewing our show! It helps us to reach more people – just like you – to help them change their financial future. Don’t forget to follow the show so you don’t miss any episodes! And, if you’re feeling really generous, we’d be SO honored if you would share this podcast with someone. Click here to view our privacy policy. This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase!

Snag Our Simplified Budget System! 🎙️ Welcome back to Budget School! It's Day 2, and today we’re talking about debt. We know this wasn’t taught in school—so we made our own. Let’s get back to basics and give you a fresh start.What Is Debt?💰 Debt = money you owe—car loans, credit cards, student loans, IRS bills, store cards, payment plans... all of it.💡 Pro Tip: If you borrowed from friends or family, pay it back—it’s the right thing to do.Your Credit Score = I ❤️ Debt❤️ The more debt you have, the more the score “loves” you. But it’s a trap.🔑 Credit scores were invented in the 1950s to keep you borrowing. Your great-grandparents did just fine without them.Debt-to-Income Ratio💼 This shows how much of your income is going to pay for the past.📉 If 20–36% of your income goes to debt, it’s time to take action.The Minimum Payment Trap🧐 Credit card companies want you paying the minimum—forever.💡 Cut up and close the cards. They expect you to keep adding debt.Acceptable vs. Petty Debt🏠 Mortgages and car loans = tied to assets.🛍️ Store cards = petty, high-interest traps.💰 Rich people use debt to grow wealth, not collect points.Debunking the Myth🤔 Wealthy folks use strategic debt—not credit card perks.🚫 Credit card points aren't worth the stress.💡 Use a money market account, not a card, for emergencies.📆 Your age of credit doesn’t matter—being debt-free does.🚦 0% offers? Most don’t pay them off in time. Skip the risk. 🙅‍♂️Take Control of DebtStop borrowing + cut up the cardsList debts smallest to largestCall lenders to lower ratesThrow extra money at the smallest oneImagine life with no payments 😌__Connect With Us: 1️⃣ Facebook Group – Join the community. Our free group is where the real talk happens. Connect with other women who are learning how to budget, save, and finally feel in control, together. ➡︎ budgetbesties.com/facebook 2️⃣ Automate Your Budget Masterclass – Watch it now, no waiting. This FREE on-demand training shows you how to set up a budget that matches your lifestyle, without tracking every dollar or feeling restricted. ➡︎ budgetbesties.com/automate 3️⃣ Budget – Grab our Simplified Budget System! You don’t need another budget, you need a system that does the math, makes the plan, and gives you permission to spend. ➡︎ budgetbesties.com/budget 4️⃣ Private 1-on-1 Coaching – Get a plan and a coach. We’ll build your full budget system together, so you always know what to do and feel confident doing it. ➡︎ budgetbesties.com/coaching 5️⃣ Be on the Podcast – Free coaching, real convo. Come chat with us on the show! Get real-time financial coaching and help other women by sharing your story. ➡︎ budgetbesties.com/livecall "I love Shana & Vanessa and this podcast is amazing!" 👈🏻 If that sounds like you, please consider rating and reviewing our show! It helps us to reach more people – just like you – to help them change their financial future. Don’t forget to follow the show so you don’t miss any episodes! And, if you’re feeling really generous, we’d be SO honored if you would share this podcast with someone. Click here to view our privacy policy. This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase!

Snag Our Simplified Budget System! Welcome to our five-day budget school series! 🎉 Get ready to revolutionize your budgeting mindset. These next five days will break down the essentials of budgeting, from the basics to the advanced. We're here to guide you through it all.💼 Income 101: It's not just about your regular paycheck. Your income includes everything from your job earnings to tips, bonuses, refunds, and even Grandma's birthday money. Every dollar needs a purpose in your budget, whether it's for essentials, savings, or a little treat for yourself.🍕 Gross vs. Net Income: *Think of gross income as the whole pizza and net income as the slice you get to enjoy. We focus on net income for budgeting. Deductions like taxes matter, but we don't count them as income. And if you're dealing with debt or a tight budget, consider pausing investments to prioritize financial stability.📆 Irregular Income vs. Regular Paychecks: Create a holding account for irregular income sources to maintain consistency in your budget. Pay yourself a consistent amount regularly. And remember, even with extra income, give it a purpose in your budget; don't let it vanish.🗂️ Structuring Your Budget: Not everyone gets paid on the same day every month. If your payday falls at the end of the month, consider it part of the next month's budget. Your budget should always have a plan for every dollar.💰 No Such Thing as an "Extra" Paycheck: Every dollar needs a job, even those from "extra" paychecks. Allocate them to essentials or your financial goals.Your homework: Organize your income in your budget, align it with your paycheck dates, and evaluate if it meets your financial goals.Connect With Us: 1️⃣ Facebook Group – Join the community. Our free group is where the real talk happens. Connect with other women who are learning how to budget, save, and finally feel in control, together. ➡︎ budgetbesties.com/facebook 2️⃣ Automate Your Budget Masterclass – Watch it now, no waiting. This FREE on-demand training shows you how to set up a budget that matches your lifestyle, without tracking every dollar or feeling restricted. ➡︎ budgetbesties.com/automate 3️⃣ Budget – Grab our Simplified Budget System! You don’t need another budget, you need a system that does the math, makes the plan, and gives you permission to spend. ➡︎ budgetbesties.com/budget 4️⃣ Private 1-on-1 Coaching – Get a plan and a coach. We’ll build your full budget system together, so you always know what to do and feel confident doing it. ➡︎ budgetbesties.com/coaching 5️⃣ Be on the Podcast – Free coaching, real convo. Come chat with us on the show! Get real-time financial coaching and help other women by sharing your story. ➡︎ budgetbesties.com/livecall "I love Shana & Vanessa and this podcast is amazing!" 👈🏻 If that sounds like you, please consider rating and reviewing our show! It helps us to reach more people – just like you – to help them change their financial future. Don’t forget to follow the show so you don’t miss any episodes! And, if you’re feeling really generous, we’d be SO honored if you would share this podcast with someone. Click here to view our privacy policy. This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase!

Snag Our Simplified Budget System! In today’s episode, we’re unpacking why so many people stay stuck in the paycheck-to-paycheck cycle.1. Focusing on Paychecks, Not the Monthly Picture🤔 Thinking paycheck to paycheck ignores your actual monthly expenses.📅 Look at your full monthly income to create consistency—especially for must-haves like gas and groceries.🔄 Ditch assigning different jobs to each check and look at the big picture.🧐 You might be surprised how much you actually bring in when you do this.2. Spending Without a Plan💳 Swipe and hope isn’t a plan.📊 Using your bank balance to guide spending = chaos.😩 Don’t let past failed budgets stop you.💪 Month 3 or 4 is when it starts to click—keep going.3. Waiting for the Perfect Moment⏰ Life will never be “just right.” Start now.✨ Budgeting through the chaos builds resilience.4. Lacking Big Goals🌠 No goals? No motivation.💭 A strong “why” keeps you from impulse spending.🏖️ Dream big—vacations, debt freedom, retirement.5. Staying in Your Comfort Zone😌 Comfort = stuck.🌐 Stretch beyond old money habits.👩‍🚀 Growth starts where comfort ends.6. Lifestyle Creep📈 More money ≠ more spending.💰 Save, invest, pay off debt first.🏡 Skip the comparison trap—focus on your goals.7. Credit Card Dependency💳 High-interest debt eats your paycheck.🔄 Credit cards aren’t a budget—they’re a trap.💡 Use savings tools that pay you, not cost you.🎁 Plan big expenses in advance—cash > credit.Connect With Us: 1️⃣ Facebook Group – Join the community. Our free group is where the real talk happens. Connect with other women who are learning how to budget, save, and finally feel in control, together. ➡︎ budgetbesties.com/facebook 2️⃣ Automate Your Budget Masterclass – Watch it now, no waiting. This FREE on-demand training shows you how to set up a budget that matches your lifestyle, without tracking every dollar or feeling restricted. ➡︎ budgetbesties.com/automate 3️⃣ Budget – Grab our Simplified Budget System! You don’t need another budget, you need a system that does the math, makes the plan, and gives you permission to spend. ➡︎ budgetbesties.com/budget 4️⃣ Private 1-on-1 Coaching – Get a plan and a coach. We’ll build your full budget system together, so you always know what to do and feel confident doing it. ➡︎ budgetbesties.com/coaching 5️⃣ Be on the Podcast – Free coaching, real convo. Come chat with us on the show! Get real-time financial coaching and help other women by sharing your story. ➡︎ budgetbesties.com/livecall "I love Shana & Vanessa and this podcast is amazing!" 👈🏻 If that sounds like you, please consider rating and reviewing our show! It helps us to reach more people – just like you – to help them change their financial future. Don’t forget to follow the show so you don’t miss any episodes! And, if you’re feeling really generous, we’d be SO honored if you would share this podcast with someone. Click here to view our privacy policy. This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase!

Book A Free Financial Coaching Call! 🎉 Financial Transformation Success Story 🎉Today we are sharing the story about a young couple who, in the midst of career changes, moving across the country and trying to finish college, got on a budget and paid off over $80K in debt in 16 months. We are sharing with you exactly where they started (maybe you can relate), the SPECIFIC and TANGIBLE things they did to make that much progress and where they ended up when they graduated coaching. Listen in to learn how they:💵 Used cash for spending (even though they didn't want to).💰 Trimmed expenses by cancelling Costco, 📱 an unused phone line, 📦 clearing out a storage unit, 🚗 refinancing vehicle loan, and 🏡 re-quoting insurance.🎯 Planned & used bonuses to pay off debt. (Hint hint, part of the debt payoff success story!!!)💼 Saved Emergency Fund & hid it from their bank account view.📅 Used our structured Paycheck Plan™, guiding their financial decisions with each pay day.💡 Established an annual bills account to handle quarterly and annual expenses.💼 Actively pursued higher-paying job opportunities.🎉 Celebrated their financial successes along the way. 🥳💰And so much more!Connect With Us: 1️⃣ Facebook Group – Join the community. Our free group is where the real talk happens. Connect with other women who are learning how to budget, save, and finally feel in control, together. ➡︎ budgetbesties.com/facebook 2️⃣ Automate Your Budget Masterclass – Watch it now, no waiting. This FREE on-demand training shows you how to set up a budget that matches your lifestyle, without tracking every dollar or feeling restricted. ➡︎ budgetbesties.com/automate 3️⃣ Budget – Grab our Simplified Budget System! You don’t need another budget, you need a system that does the math, makes the plan, and gives you permission to spend. ➡︎ budgetbesties.com/budget 4️⃣ Private 1-on-1 Coaching – Get a plan and a coach. We’ll build your full budget system together, so you always know what to do and feel confident doing it. ➡︎ budgetbesties.com/coaching 5️⃣ Be on the Podcast – Free coaching, real convo. Come chat with us on the show! Get real-time financial coaching and help other women by sharing your story. ➡︎ budgetbesties.com/livecall "I love Shana & Vanessa and this podcast is amazing!" 👈🏻 If that sounds like you, please consider rating and reviewing our show! It helps us to reach more people – just like you – to help them change their financial future. Don’t forget to follow the show so you don’t miss any episodes! And, if you’re feeling really generous, we’d be SO honored if you would share this podcast with someone. Click here to view our privacy policy. This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase!

Snag Our Simplified Budget System! Why Reset Your Finances- At various times throughout the year our finances can become overwhelming and messy.- Setting financial goals is crucial, but without a clear plan, those goals may remain unattainable.- Instead of taking action, it's easy to become overwhelmed and overcomplicate matters.- We have three simple steps to help you reset your finances effectively.Step 1: Have a Budget Meeting- Budgeting may seem complex, but it doesn't have to be.- We recommend scheduling a budget meeting once a month, taking just a fraction of your time.- This meeting serves a dual purpose: - Analyzing your financial numbers and planning the month ahead. - Reconnecting with your dreams, goals, and aspirations, reminding you why you're managing your money.Step 2: Get on a Budget- Budgets are versatile and adaptable to individual circumstances.- The primary goal is to assign every dollar a specific purpose, ensuring full control over your finances.- Initially, the focus should be on adopting a budgeting habit rather than strict restriction.- As you become accustomed to budgeting, you can fine-tune your allocations and expenditures.Step 3: Use Cash for One Line Item- Despite the convenience of cards, using cash can be a game-changer.- Start by designating cash for one expense category, such as groceries or dining out.- Cash forces accountability and discipline, preventing overspending.- This shift in mindset can help you realize that you're not broke but actively managing your finances.Connect With Us: 1️⃣ Facebook Group – Join the community. Our free group is where the real talk happens. Connect with other women who are learning how to budget, save, and finally feel in control, together. ➡︎ budgetbesties.com/facebook 2️⃣ Automate Your Budget Masterclass – Watch it now, no waiting. This FREE on-demand training shows you how to set up a budget that matches your lifestyle, without tracking every dollar or feeling restricted. ➡︎ budgetbesties.com/automate 3️⃣ Budget – Grab our Simplified Budget System! You don’t need another budget, you need a system that does the math, makes the plan, and gives you permission to spend. ➡︎ budgetbesties.com/budget 4️⃣ Private 1-on-1 Coaching – Get a plan and a coach. We’ll build your full budget system together, so you always know what to do and feel confident doing it. ➡︎ budgetbesties.com/coaching 5️⃣ Be on the Podcast – Free coaching, real convo. Come chat with us on the show! Get real-time financial coaching and help other women by sharing your story. ➡︎ budgetbesties.com/livecall "I love Shana & Vanessa and this podcast is amazing!" 👈🏻 If that sounds like you, please consider rating and reviewing our show! It helps us to reach more people – just like you – to help them change their financial future. Don’t forget to follow the show so you don’t miss any episodes! And, if you’re feeling really generous, we’d be SO honored if you would share this podcast with someone. Click here to view our privacy policy. This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase!

Snag Our Simplified Budget System! In this podcast episode, we address a common concern shared by many when it comes to personal finances - the fear of facing your real financial reality. We acknowledge that it can be daunting to confront your numbers, especially if you're unsure about where you stand financially. However, we are here to provide guidance, offer valuable insights, and help you overcome this anxiety surrounding your finances.1. Understanding Your Financial Landscape:We emphasize the importance of understanding your financial situation, especially if you're dealing with financial stress after a significant life event like a divorce. It's crucial to know where you stand regarding income, expenses, assets, and liabilities.2. The Power of Net Worth:We introduce the concept of net worth as a powerful tool to assess your financial health. Net worth is calculated by subtracting your liabilities (debts) from your assets (everything you own with value). It provides a snapshot of your financial standing.3. Signs of Financial Stress:We discuss common indicators of financial stress, such as excessive debt payments or the inability to save money regularly. If you find yourself spending more on debt than anything else each month, it's a sign that your financial situation needs attention.4. Taking Control Through Budgeting:Budgeting is a key step in regaining control of your finances. We encourage you to create a budget that lists your income, expenses, and financial goals. Budgeting allows you to allocate your resources purposefully and avoid overspending.5. Confronting Your Fears:We understand that looking at your financial situation can be intimidating, akin to having your head in the sand. However, we emphasize that ignoring financial issues only makes them worse over time. It's essential to confront your financial reality and start the journey toward financial stability.6. Embrace Your Beginner Status:We remind you that it's okay to be a beginner in managing your finances. Everyone starts somewhere, and it's crucial to give yourself permission to learn and grow in this area. Financial improvement is possible with consistent effort.Connect With Us: 1️⃣ Facebook Group – Join the community. Our free group is where the real talk happens. Connect with other women who are learning how to budget, save, and finally feel in control, together. ➡︎ budgetbesties.com/facebook 2️⃣ Automate Your Budget Masterclass – Watch it now, no waiting. This FREE on-demand training shows you how to set up a budget that matches your lifestyle, without tracking every dollar or feeling restricted. ➡︎ budgetbesties.com/automate 3️⃣ Budget – Grab our Simplified Budget System! You don’t need another budget, you need a system that does the math, makes the plan, and gives you permission to spend. ➡︎ budgetbesties.com/budget 4️⃣ Private 1-on-1 Coaching – Get a plan and a coach. We’ll build your full budget system together, so you always know what to do and feel confident doing it. ➡︎ budgetbesties.com/coaching 5️⃣ Be on the Podcast – Free coaching, real convo. Come chat with us on the show! Get real-time financial coaching and help other women by sharing your story. ➡︎ budgetbesties.com/livecall "I love Shana & Vanessa and this podcast is amazing!" 👈🏻 If that sounds like you, please consider rating and reviewing our show! It helps us to reach more people – just like you – to help them change their financial future. Don’t forget to follow the show so you don’t miss any episodes! And, if you’re feeling really generous, we’d be SO honored if you would share this podcast with someone. Click here to view our privacy policy. This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase!

Book A Free Financial Coaching Call! Do you want to learn how to save and when to spend so that your business can eventually support you one day?We get it; managing your business finances is crucial, especially if you're starting a small business with a family to support.1: "No Makey, No Spendy"We've coined the phrase, "No makey, no spendy." It means you shouldn't spend money on your business until it's consistently making money. This is the #1 mistake peopel make when starting a business so let's talk about how to avoid it. We'll talk about how to be resourceful and frugal in the early stages of your business by using free or low-cost resources.2: Separating Personal and Business FinancesLet's talk about separating your personal and business finances. It's essential to maintain separate bank accounts for your personal and business finances. Trust us; it leads to better financial organization and more straightforward accounting practices.3: Implementing the Profit First SystemWe're introducing you to the Profit First money management system by Mike Michalowicz, and it's a game-changer. You're going to love this system's core principle: income minus profit equals expenses. It ensures you get paid from day one in your business. Grab his book here: Profit First by Mike Michalowicz4: Setting a Business BudgetNow, let's talk about setting a budget for your business. We can't stress this enough; it's crucial. You'll want to include both monthly and annual expenses. We'll guide you through determining what expenses are essential for your business's survival in its early stages.5: Growing at the Speed of CashWhen it comes to business growth, we want you to grow at the speed of cash. Avoid unnecessary investments and expenses. As your income increases, make sure your financial decisions are deliberate and well-planned.We're here to help! If you've got any questions about business finances, reach out to us. We're always ready to assist.Learn More About The ONLY Business Bank We Recommend! (Inspired by the Profit First System)Connect With Us: 1️⃣ Facebook Group – Join the community. Our free group is where the real talk happens. Connect with other women who are learning how to budget, save, and finally feel in control, together. ➡︎ budgetbesties.com/facebook 2️⃣ Automate Your Budget Masterclass – Watch it now, no waiting. This FREE on-demand training shows you how to set up a budget that matches your lifestyle, without tracking every dollar or feeling restricted. ➡︎ budgetbesties.com/automate 3️⃣ Budget – Grab our Simplified Budget System! You don’t need another budget, you need a system that does the math, makes the plan, and gives you permission to spend. ➡︎ budgetbesties.com/budget 4️⃣ Private 1-on-1 Coaching – Get a plan and a coach. We’ll build your full budget system together, so you always know what to do and feel confident doing it. ➡︎ budgetbesties.com/coaching 5️⃣ Be on the Podcast – Free coaching, real convo. Come chat with us on the show! Get real-time financial coaching and help other women by sharing your story. ➡︎ budgetbesties.com/livecall "I love Shana & Vanessa and this podcast is amazing!" 👈🏻 If that sounds like you, please consider rating and reviewing our show! It helps us to reach more people – just like you – to help them change their financial future. Don’t forget to follow the show so you don’t miss any episodes! And, if you’re feeling really generous, we’d be SO honored if you would share this podcast with someone. Click here to view our privacy policy. This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase!

Snag Our Simplified Budget System! In this special episode, we're merging the best of two worlds: practical budgeting tips and a mindset shift to embrace financial freedom. Setting the Financial FoundationCreating a budget can be like mapping out your financial adventure. In this segment, we're discussing how to start without the scary budgeting jargon.We're here to tell you that budgeting isn't a daunting task. It's like creating a roadmap for your money. They suggest beginning by listing your income and expenses, including a personal spending category. Yes, treating yourself is part of the plan!Prioritizing and Ground RulesNow, it's time to dive into prioritizing your spending and setting some ground rules.We emphasize the importance of balancing expenses. Kids are wonderful, but they shouldn't dominate your finances. Create a kid's budget and stick to it. This way, you can avoid guilt and teach your children responsible money management.Mindset Shift and Removing TemptationsOur third segment explores the power of shifting your mindset and dealing with financial temptations.We discuss shifting your mindset from scarcity to abundance. Your finances are a tool to enhance your life, not a burden. And those tempting Amazon accounts? Consider separating them or using separate accounts for bills and spending to regain control.Tithing and Mastering the Art of Budgeting Why a budget is your financial anchor. The role of tithing and charitable giving in your financial plan. The significance of dedicating a portion of your income to tithing and giving back. How to incorporate tithing into your budget while ensuring your financial goals remain attainable and enjoyable.Overcoming Financial Anxiety Confronting the anxiety often associated with financial management. The empowerment of assessing your financial situation. Strategies for eliminating those tempting, one click shopping options. Techniques for making informed, confident spending decisions.Balancing Family Finances Navigating the "mom guilt" conundrum and achieving a harmonious equilibrium. The pivotal role of setting a budget to cater to both family needs, personal desires, and charitable commitments. Tips for fostering open and honest money conversations with your spouse. Teaching your children valuable financial lessons that will serve them throughout life.Connect With Us: 1️⃣ Facebook Group – Join the community. Our free group is where the real talk happens. Connect with other women who are learning how to budget, save, and finally feel in control, together. ➡︎ budgetbesties.com/facebook 2️⃣ Automate Your Budget Masterclass – Watch it now, no waiting. This FREE on-demand training shows you how to set up a budget that matches your lifestyle, without tracking every dollar or feeling restricted. ➡︎ budgetbesties.com/automate 3️⃣ Budget – Grab our Simplified Budget System! You don’t need another budget, you need a system that does the math, makes the plan, and gives you permission to spend. ➡︎ budgetbesties.com/budget 4️⃣ Private 1-on-1 Coaching – Get a plan and a coach. We’ll build your full budget system together, so you always know what to do and feel confident doing it. ➡︎ budgetbesties.com/coaching 5️⃣ Be on the Podcast – Free coaching, real convo. Come chat with us on the show! Get real-time financial coaching and help other women by sharing your story. ➡︎ budgetbesties.com/livecall "I love Shana & Vanessa and this podcast is amazing!" 👈🏻 If that sounds like you, please consider rating and reviewing our show! It helps us to reach more people – just like you – to help them change their financial future. Don’t forget to follow the show so you don’t miss any episodes! And, if you’re feeling really generous, we’d be SO honored if you would share this podcast with someone. Click here to view our privacy policy. This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase!

Snag Our Simplified Budget System! Welcome to today's episode where we’re sharing the #1 game-changer that’ll simplify your budget and kick stress to the curb. Seriously—it’s like a budgeting superpower you can start using tomorrow.It’s Simplicity, Not ComplexityBudgeting doesn’t have to be stressful. If you’re juggling endless transactions and wondering where your money went, we’ve got the fix.One client tried to send $1,200 to debt every month—on paper—but it never happened. Another was drowning in highlighter colors and pages of transactions. That’s why our system works: it separates your bills from your spending.Separate and ConquerSeeing your bills and spending separately brings instant clarity. No more confusing all-in-one accounts that trick you into thinking you have more money than you do.Automatic AwesomenessSet up auto-transfers. It’s how your budget moves from intention to action—no stress, no guessing.Budget Smaller, Live LargerBreaking things down per paycheck means you always know what’s safe to spend—no guilt over the latte.Tailor It to YouStart with two accounts: gas/groceries and spending. Want more? Add what works for your lifestyle.Payday = Bill DayYour paycheck goes straight into your bills account. Bills? Covered. Spending? Crystal clear.Make It a HabitGet into the groove of dividing money as soon as payday hits. Clarity becomes second nature.So that’s the move—separate, automate, and simplify. Your stress-free budget life starts now.--Connect With Us: 1️⃣ Facebook Group – Join the community. Our free group is where the real talk happens. Connect with other women who are learning how to budget, save, and finally feel in control, together. ➡︎ budgetbesties.com/facebook 2️⃣ Automate Your Budget Masterclass – Watch it now, no waiting. This FREE on-demand training shows you how to set up a budget that matches your lifestyle, without tracking every dollar or feeling restricted. ➡︎ budgetbesties.com/automate 3️⃣ Budget – Grab our Simplified Budget System! You don’t need another budget, you need a system that does the math, makes the plan, and gives you permission to spend. ➡︎ budgetbesties.com/budget 4️⃣ Private 1-on-1 Coaching – Get a plan and a coach. We’ll build your full budget system together, so you always know what to do and feel confident doing it. ➡︎ budgetbesties.com/coaching 5️⃣ Be on the Podcast – Free coaching, real convo. Come chat with us on the show! Get real-time financial coaching and help other women by sharing your story. ➡︎ budgetbesties.com/livecall "I love Shana & Vanessa and this podcast is amazing!" 👈🏻 If that sounds like you, please consider rating and reviewing our show! It helps us to reach more people – just like you – to help them change their financial future. Don’t forget to follow the show so you don’t miss any episodes! And, if you’re feeling really generous, we’d be SO honored if you would share this podcast with someone. Click here to view our privacy policy. This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase!

Snag Our Simplified Budget System! 🎙️ Podcast Show Notes - Business Besties Unleashed!🎉 Welcome back to another exciting episode of Business Besties!🤝 In this fantastic second installment, we're diving deep into the enigma of business partnerships. You know, the ones people say are a big no-no? But wait, we're here to break that stereotype and spill the tea on our journey as fierce business besties. 🍵🤔 Because let's face it, folks, finding a business partner can be as elusive as the last piece of chocolate cake at a dessert buffet. Everyone says you shouldn't mix friendship and business, but hey, we're rebels with a cause, and we're here to debunk those myths!😂 And guess what? Our experiences have been like whirlwind roller coasters, but we've discovered that having each other makes it an epic adventure filled with laughs, love, and loads of learning moments.🙌 Personal Highs: As the back-to-school bells ring and the chaos of vacation ends, we're celebrating the joy of being at our kids' sports games. Go team! 🏆 Watching them grow, seeing their determination, and supporting them is pure magic.👎 Personal Lows: While we'd love to pretend we're superheroes, we confess that dealing with non-stop bustling households while trying to conquer the business world can be... well, exhausting. We're just thankful our freezers are clean from eating all those leftovers!🤣 Funny Question: Got a favorite movie or TV show you can rewatch infinitely? For us, it's all about 'Friends'! We've seen it so much that we practically predict Ross's next pivot with our eyes closed. 🛋️🎬 So, that's a wrap for this monthly catch-up, peeps! We'll be back soon with more business wisdom, laughter, and a sprinkle of quirkiness. Until then, keep hustling, stay bold, and remember, you're not alone in this crazy entrepreneur journey! 🚀🎧 Stay tuned for more empowering episodes that bring you business insights, motivation, and camaraderie. Keep hustling, Business Besties! 🌟Learn More About The ONLY Business Bank We Recommend! Connect With Us: 1️⃣ Facebook Group – Join the community. Our free group is where the real talk happens. Connect with other women who are learning how to budget, save, and finally feel in control, together. ➡︎ budgetbesties.com/facebook 2️⃣ Automate Your Budget Masterclass – Watch it now, no waiting. This FREE on-demand training shows you how to set up a budget that matches your lifestyle, without tracking every dollar or feeling restricted. ➡︎ budgetbesties.com/automate 3️⃣ Budget – Grab our Simplified Budget System! You don’t need another budget, you need a system that does the math, makes the plan, and gives you permission to spend. ➡︎ budgetbesties.com/budget 4️⃣ Private 1-on-1 Coaching – Get a plan and a coach. We’ll build your full budget system together, so you always know what to do and feel confident doing it. ➡︎ budgetbesties.com/coaching 5️⃣ Be on the Podcast – Free coaching, real convo. Come chat with us on the show! Get real-time financial coaching and help other women by sharing your story. ➡︎ budgetbesties.com/livecall "I love Shana & Vanessa and this podcast is amazing!" 👈🏻 If that sounds like you, please consider rating and reviewing our show! It helps us to reach more people – just like you – to help them change their financial future. Don’t forget to follow the show so you don’t miss any episodes! And, if you’re feeling really generous, we’d be SO honored if you would share this podcast with someone. Click here to view our privacy policy. This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase!

Snag Our Simplified Budget System! It's that time again! A new month, new budget!! We're talking:How to Wrap Up AugustBefore focusing on September, take the time to wrap up August's budget.Finalize your numbers and compare what you budgeted to what you actually spent.This process helps you learn and make better budgeting decisions going forward.Don't be too hard on yourself; it's about learning and improving, not aiming for perfection.Check Your Income & Expense ChangesTransitioning from August to September might bring changes in income and expenses.Update your budget to reflect any alterations in income sources.Review the changes in expenses, such as the end of summer camps or vacation spending.Consider adjusting childcare expenses and sports-related costs.What Do You Need To Save For?Establish sinking funds for expenses that occur annually, such as homeschooling fees or insurance premiums.Divide the total amount needed by 12 and save that amount monthly to avoid financial strain when the bill comes due.Review annual subscriptions, such as Disney+ or Amazon Prime, and plan accordingly.Setting Money Goals for SeptemberSeptember should have specific goals and you need to put them in your budget. Set financial goals for September and integrate them into your budget.Prioritize saving money or paying off debt based on your specific financial objectives.Aim to pay yourself or pay off debt ON PAYDAY to maintain accountability and consistency.Fun Wins Our Clients Are Having That You Can Have Too:Consider using cash for certain budget categories to enhance discipline and money management.Use envelopes to allocate funds for different spending categories, like restaurants or childcare.Name your accounts strategically to avoid accidentally spending designated funds.Understand that the process of building savings and reaching financial goals is a journey.Embrace the idea of being the type of person who has money and let your savings grow.Be patient with yourself as you learn to prioritize saving and stop impulse spending.Put it into PracticeSchedule the dates for transferring money into various accounts, either manually or automatically.Plan ATM visits to withdraw cash for specific budget categories.Connect With Us: 1️⃣ Facebook Group – Join the community. Our free group is where the real talk happens. Connect with other women who are learning how to budget, save, and finally feel in control, together. ➡︎ budgetbesties.com/facebook 2️⃣ Automate Your Budget Masterclass – Watch it now, no waiting. This FREE on-demand training shows you how to set up a budget that matches your lifestyle, without tracking every dollar or feeling restricted. ➡︎ budgetbesties.com/automate 3️⃣ Budget – Grab our Simplified Budget System! You don’t need another budget, you need a system that does the math, makes the plan, and gives you permission to spend. ➡︎ budgetbesties.com/budget 4️⃣ Private 1-on-1 Coaching – Get a plan and a coach. We’ll build your full budget system together, so you always know what to do and feel confident doing it. ➡︎ budgetbesties.com/coaching 5️⃣ Be on the Podcast – Free coaching, real convo. Come chat with us on the show! Get real-time financial coaching and help other women by sharing your story. ➡︎ budgetbesties.com/livecall "I love Shana & Vanessa and this podcast is amazing!" 👈🏻 If that sounds like you, please consider rating and reviewing our show! It helps us to reach more people – just like you – to help them change their financial future. Don’t forget to follow the show so you don’t miss any episodes! And, if you’re feeling really generous, we’d be SO honored if you would share this podcast with someone. Click here to view our privacy policy. This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase!

Snag Our Simplified Budget System! Welcome to the Budget Besties Podcast! Today, our hosts join the “Momma Has Goals” podcast. They discuss several tips and tricks learned in their financial journey.Beginner's Mindset:Embrace learning and growth. 🌱Money Philosophies - Ideal Balance vs. Dave Ramsey:Different approaches to money. 💰Budgeting, saving, investing insights. 💡Bank Account Assistant:Maximize its potential. 💼Manage bills, savings, spending. 💳Cracking Credit Card Points:Understand rewards pros, cons. 🛍️Smart point strategies. 🌟Teaching Kids About Money:Kid-friendly money lessons. 👦👧Learn through play. 🎮Male Money Mindset:The scorecard money philosophy. 👔💰Shift perspectives, empower. 🚀Small Steps, Big Progress:Beat burnout with actions. 🚶‍♀️🚶‍♂️Basic budgets, micro-investing. 💸Connect With Us: 1️⃣ Facebook Group – Join the community. Our free group is where the real talk happens. Connect with other women who are learning how to budget, save, and finally feel in control, together. ➡︎ budgetbesties.com/facebook 2️⃣ Automate Your Budget Masterclass – Watch it now, no waiting. This FREE on-demand training shows you how to set up a budget that matches your lifestyle, without tracking every dollar or feeling restricted. ➡︎ budgetbesties.com/automate 3️⃣ Budget – Grab our Simplified Budget System! You don’t need another budget, you need a system that does the math, makes the plan, and gives you permission to spend. ➡︎ budgetbesties.com/budget 4️⃣ Private 1-on-1 Coaching – Get a plan and a coach. We’ll build your full budget system together, so you always know what to do and feel confident doing it. ➡︎ budgetbesties.com/coaching 5️⃣ Be on the Podcast – Free coaching, real convo. Come chat with us on the show! Get real-time financial coaching and help other women by sharing your story. ➡︎ budgetbesties.com/livecall "I love Shana & Vanessa and this podcast is amazing!" 👈🏻 If that sounds like you, please consider rating and reviewing our show! It helps us to reach more people – just like you – to help them change their financial future. Don’t forget to follow the show so you don’t miss any episodes! And, if you’re feeling really generous, we’d be SO honored if you would share this podcast with someone. Click here to view our privacy policy. This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase!

Snag Our Simplified Budget System! Welcome to the Budget Besties podcast! Today, your hosts Shana and Vanessa answer some tough questions you, the audience, have had on a Facebook livestream.Questioning How to Balance Your Budget and Fun Money? Simple! First, separate bills and spending. Next, be sure to set a budget for FUN so you know exactly how much you have to spend. Wanting to Improve Your Budgeting Skills? Print out the budget, keep a hard copy, and makes sure you're doing it the right way with the categories we're telling you.Wondering How to Plan the Ultimate Budget? It's a good start, but “Planning Isn't Enough” we say. You've got to follow through.Do You Want No Debt and a Huge Savings Account? Your Hosts Reveal the Correct Path: Budget > Debt > Savings > Money Markets > Investments. “Where Is My Money Going?” Asks one listener. We're telling you how to monitor your money.Connect With Us: 1️⃣ Facebook Group – Join the community. Our free group is where the real talk happens. Connect with other women who are learning how to budget, save, and finally feel in control, together. ➡︎ budgetbesties.com/facebook 2️⃣ Automate Your Budget Masterclass – Watch it now, no waiting. This FREE on-demand training shows you how to set up a budget that matches your lifestyle, without tracking every dollar or feeling restricted. ➡︎ budgetbesties.com/automate 3️⃣ Budget – Grab our Simplified Budget System! You don’t need another budget, you need a system that does the math, makes the plan, and gives you permission to spend. ➡︎ budgetbesties.com/budget 4️⃣ Private 1-on-1 Coaching – Get a plan and a coach. We’ll build your full budget system together, so you always know what to do and feel confident doing it. ➡︎ budgetbesties.com/coaching 5️⃣ Be on the Podcast – Free coaching, real convo. Come chat with us on the show! Get real-time financial coaching and help other women by sharing your story. ➡︎ budgetbesties.com/livecall "I love Shana & Vanessa and this podcast is amazing!" 👈🏻 If that sounds like you, please consider rating and reviewing our show! It helps us to reach more people – just like you – to help them change their financial future. Don’t forget to follow the show so you don’t miss any episodes! And, if you’re feeling really generous, we’d be SO honored if you would share this podcast with someone. Click here to view our privacy policy. This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase!

Book A Free Financial Coaching Call! Get ready for incredible money stories! 🌟 From beating debt 👊 to spending smart 💰, hear how real people rocked their finances.Feeling like that could be you? 🤩 Get tips on saving money 🏦, cutting debt 🧹, and talking money with your spouse 👫 in our fun podcast.💡 What you'll learn:Ace that budget together 👐Drop credit cards, deal in cash 💳💵Free 30-min session to boost your money skills! 📅🚀Ready to win with your wallet? 🎧 Tune in!Connect With Us: 1️⃣ Facebook Group – Join the community. Our free group is where the real talk happens. Connect with other women who are learning how to budget, save, and finally feel in control, together. ➡︎ budgetbesties.com/facebook 2️⃣ Automate Your Budget Masterclass – Watch it now, no waiting. This FREE on-demand training shows you how to set up a budget that matches your lifestyle, without tracking every dollar or feeling restricted. ➡︎ budgetbesties.com/automate 3️⃣ Budget – Grab our Simplified Budget System! You don’t need another budget, you need a system that does the math, makes the plan, and gives you permission to spend. ➡︎ budgetbesties.com/budget 4️⃣ Private 1-on-1 Coaching – Get a plan and a coach. We’ll build your full budget system together, so you always know what to do and feel confident doing it. ➡︎ budgetbesties.com/coaching 5️⃣ Be on the Podcast – Free coaching, real convo. Come chat with us on the show! Get real-time financial coaching and help other women by sharing your story. ➡︎ budgetbesties.com/livecall "I love Shana & Vanessa and this podcast is amazing!" 👈🏻 If that sounds like you, please consider rating and reviewing our show! It helps us to reach more people – just like you – to help them change their financial future. Don’t forget to follow the show so you don’t miss any episodes! And, if you’re feeling really generous, we’d be SO honored if you would share this podcast with someone. Click here to view our privacy policy. This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase!

Snag Our Simplified Budget System! We're diving deep into this issue today, so buckle up for some budgeting wisdom.Mind the Gap: It's a common conundrum: your budget on paper is a masterpiece, but your bank account tells a different story. Let's bridge that gap together and make your financial dreams a reality.The Habits Hold the Key: Picture this: you've got big plans for your budget, but the siren call of impulsive spending lures you away. Habits play a major role, my friends. We'll unpack this dance between behavior and budgeting.Meet Joe The Budgeting Hero: Gather 'round as we salute Joe, the math whiz who discovered that budgeting isn't just about numbers; it's about habits and discipline. The budget math may add up, but habits make it stick.Navigating Temptation: Ever find yourself swayed by impulses and distractions? We're spilling the tea on curbing temptations and nurturing your budgeting goals. Your accountability partner (or a financial BFF) can be a saving grace.Unearthing the Budget Bank Mismatch: Hold on, folks! Let's delve into the root causes behind the budget-bank mismatch. It's time to address one significant culprit: impulsive spending and the lack of an accountability buddy.Teamwork Makes the Dream Work: When you and your partner-in-crime tackle the budget together, magic happens. Joint budget meetings, setting common goals, and creating synergy can turn the tide of impulsive spending.Budget-Check, a Must Do Task: Regular budget check-ins are the secret sauce. Adjustments, tweaks, and realignments keep your budget on point.Slaying the Unexpected: Enter the budgeting superhero cape: preplanning. We're dishing out the detective tips – go back 90 days in your spending history. Unearth those sneaky subscriptions and occasional bills that mess with your budget's mojo.Embracing the Power of Automation: Cue the grand entrance of Captain Automation! A swoosh of automation can turn your budget into a dance of synchronized finances. Automate transfers, separate accounts, and let the system do the heavy lifting.Your Budget's New Best Friend: Your budget and bank account can be BFFs, not frenemies. Behavior, discipline, preplanning, and automation are the keys. Imagine a financial world where your budget doesn't just exist on paper, but comes to life in your bank account.Connect With Us: 1️⃣ Facebook Group – Join the community. Our free group is where the real talk happens. Connect with other women who are learning how to budget, save, and finally feel in control, together. ➡︎ budgetbesties.com/facebook 2️⃣ Automate Your Budget Masterclass – Watch it now, no waiting. This FREE on-demand training shows you how to set up a budget that matches your lifestyle, without tracking every dollar or feeling restricted. ➡︎ budgetbesties.com/automate 3️⃣ Budget – Grab our Simplified Budget System! You don’t need another budget, you need a system that does the math, makes the plan, and gives you permission to spend. ➡︎ budgetbesties.com/budget 4️⃣ Private 1-on-1 Coaching – Get a plan and a coach. We’ll build your full budget system together, so you always know what to do and feel confident doing it. ➡︎ budgetbesties.com/coaching 5️⃣ Be on the Podcast – Free coaching, real convo. Come chat with us on the show! Get real-time financial coaching and help other women by sharing your story. ➡︎ budgetbesties.com/livecall "I love Shana & Vanessa and this podcast is amazing!" 👈🏻 If that sounds like you, please consider rating and reviewing our show! It helps us to reach more people – just like you – to help them change their financial future. Don’t forget to follow the show so you don’t miss any episodes! And, if you’re feeling really generous, we’d be SO honored if you would share this podcast with someone. Click here to view our privacy policy. This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase!

Snag Our Simplified Budget System! Episode Highlights:🌟 Exploring the myth that having a substantial income means you don't need a budget.🌟 Debunking the misconception and explaining why a budget is even more essential when you're rolling in the dough.🌟 Emphasizing the role of a budget in transforming dreams into achievable goals.🌟 Highlighting how a budget becomes the roadmap to financial aspirations and making dreams a reality.💸 Discussing the allure of impulse buying and the challenges it poses.💃 Demonstrating how a budget acts as a dance instructor, guiding you away from temptations and towards smart financial choices.🔢 Expanding on the idea that a budget isn't just about the numbers; it's about control and freedom.🚀 Showcasing how a budget empowers individuals to make informed decisions that lead to financial liberation.💡 Unveiling the connection between budgeting and the mindset of successful individuals.🌱 Providing insights into how a budget helps cultivate disciplined habits that align with a millionaire's approach.🛡️ Illustrating the protective aspect of budgeting when it comes to safeguarding financial dreams.💰 Explaining how a budget serves as a shield against wasteful spending and ensures your resources are directed towards your aspirations.🎨 Inviting listeners to envision their budget as a canvas for financial success.🎉 Encouraging the idea that a budget is a creative tool to paint a beautiful picture of a fulfilling financial journey.Connect With Us: 1️⃣ Facebook Group – Join the community. Our free group is where the real talk happens. Connect with other women who are learning how to budget, save, and finally feel in control, together. ➡︎ budgetbesties.com/facebook 2️⃣ Automate Your Budget Masterclass – Watch it now, no waiting. This FREE on-demand training shows you how to set up a budget that matches your lifestyle, without tracking every dollar or feeling restricted. ➡︎ budgetbesties.com/automate 3️⃣ Budget – Grab our Simplified Budget System! You don’t need another budget, you need a system that does the math, makes the plan, and gives you permission to spend. ➡︎ budgetbesties.com/budget 4️⃣ Private 1-on-1 Coaching – Get a plan and a coach. We’ll build your full budget system together, so you always know what to do and feel confident doing it. ➡︎ budgetbesties.com/coaching 5️⃣ Be on the Podcast – Free coaching, real convo. Come chat with us on the show! Get real-time financial coaching and help other women by sharing your story. ➡︎ budgetbesties.com/livecall "I love Shana & Vanessa and this podcast is amazing!" 👈🏻 If that sounds like you, please consider rating and reviewing our show! It helps us to reach more people – just like you – to help them change their financial future. Don’t forget to follow the show so you don’t miss any episodes! And, if you’re feeling really generous, we’d be SO honored if you would share this podcast with someone. Click here to view our privacy policy. This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase!