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

404 | Budgeting Lessons From Real Coaching Sessions: Unexpected Moving Costs, 15-Year vs. 30-Year Mortgage Thoughts, Untracked Subscriptions and the Costco Credit Card Trap (Overspending at Costco)


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

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

What We Talk About:

  1. Why moving always costs more than you think

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

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

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

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

  6. Credit card points vs. actual financial peace

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

Budget Takeaways:

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

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

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

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

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


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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