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

384 | How to Use Your Tax Refund to Get Ahead: Pay Bills, Build Savings, and Get Out of Debt with Semajh


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Snag Our Simplified Budget System!

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

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

We chat about:

  1. Why separate accounts are everything 👏🏽

  2. How to break free from the paycheck-to-paycheck grind

  3. Making room for joy (and pajamas!) without breaking your budget

  4. The plan to reclaim 24% of his income from debt

  5. And why he’s holding out on that dental discount—with purpose

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

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. 

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Financial Coaching for Women: How To Budget, Manage Money, Pay Off Debt, Save Money, Paycheck PlansBy Vanessa and Shana | Budget Besties | Bougie On A Budget | Dave Ramsey Fans

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229 ratings


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