Sign up to save your podcasts
Or
Share 382 | 7 Budgeting Methods Explained: What Works & What Doesn’t (Zero-Based, Cash Envelopes, Cash Stuffing, 50/30/20, Paycheck Budgeting, FIRE, & More)
Share to email
Share to Facebook
Share to X
Share to email
Share to Facebook
Share to X
Or
382 | 7 Budgeting Methods Explained: What Works & What Doesn’t (Zero-Based, Cash Envelopes, Cash Stuffing, 50/30/20, Paycheck Budgeting, FIRE, & More)
Snag Our Simplified Budget System!
Hey, budget besties! In this episode, we’re diving deep into seven popular budgeting methods—and let’s just say, we have thoughts. 😏 You’ve probably heard of things like zero-based budgeting, cash stuffing, the 50/30/20 rule, and the FIRE method—but are they really the best ways to manage your money? We’re breaking them all down, giving you the real talk on what works, what doesn’t, and why our budgeting system is the ultimate game-changer.
Here’s what we’re covering:
💰 Paycheck Planning – Why assigning bills to each paycheck keeps you stuck in the paycheck-to-paycheck cycle.
🔥 Zero-Based Budgeting – Great in theory, but do you really have to feel broke every month? (Spoiler: No.)
📊 50/30/20 Rule – Sounds cute, but is it actually realistic? We have questions.
💵 Cash Envelopes – A classic, but we’re in a digital world, and we have a better way.
🚀 FIRE (Financial Independence, Retire Early) – Love the vision, but maybe let’s not sacrifice everything fun?
🧐 Tracking Expenses – Let’s be clear: this is NOT budgeting, and we’re here to tell you why.
🙈 No Budget (a.k.a. The Hope & Pray Method) – If this is you, it’s okay, we still love you—but we gotta talk.
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
"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!
View all episodes
By Vanessa and Shana | Budget Besties | Bougie On A Budget | Dave Ramsey Fans
4.7
213213 ratings
Snag Our Simplified Budget System!
Hey, budget besties! In this episode, we’re diving deep into seven popular budgeting methods—and let’s just say, we have thoughts. 😏 You’ve probably heard of things like zero-based budgeting, cash stuffing, the 50/30/20 rule, and the FIRE method—but are they really the best ways to manage your money? We’re breaking them all down, giving you the real talk on what works, what doesn’t, and why our budgeting system is the ultimate game-changer.
Here’s what we’re covering:
💰 Paycheck Planning – Why assigning bills to each paycheck keeps you stuck in the paycheck-to-paycheck cycle.
🔥 Zero-Based Budgeting – Great in theory, but do you really have to feel broke every month? (Spoiler: No.)
📊 50/30/20 Rule – Sounds cute, but is it actually realistic? We have questions.
💵 Cash Envelopes – A classic, but we’re in a digital world, and we have a better way.
🚀 FIRE (Financial Independence, Retire Early) – Love the vision, but maybe let’s not sacrifice everything fun?
🧐 Tracking Expenses – Let’s be clear: this is NOT budgeting, and we’re here to tell you why.
🙈 No Budget (a.k.a. The Hope & Pray Method) – If this is you, it’s okay, we still love you—but we gotta talk.
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
"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!
More shows like Financial Coaching for Women: How To Budget, Manage Money, Pay Off Debt, Save Money, Paycheck Plans
View all
The Ramsey Show
38,571 Listeners
Money Girl
1,841 Listeners
Debt Free in 30
68 Listeners
Everyone's Talkin' Money
643 Listeners
Journey To Launch
1,671 Listeners
Frugal Friends Podcast
1,183 Listeners
The Rachel Cruze Show
3,714 Listeners
DIY Money | Personal Finance, Budgeting, Debt, Savings, Investing
882 Listeners
Get the Hell Out of Debt
206 Listeners
The Money Love Podcast
422 Listeners
Money Rehab with Nicole Lapin
1,570 Listeners
Financial Feminist
6,163 Listeners
Inspired Budget
290 Listeners
Smart Money Happy Hour with Rachel Cruze and George Kamel
3,057 Listeners
Budget Effect: How to Budget, How to Pay off Debt, Save Money, Live on a Budget, Improve your Money Mindset on a single income
7 Listeners