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

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Hey, budget besties! 💕

If you're self-employed, juggling inconsistent income, and constantly trying to figure out how much money you can actually spend, this episode is for YOU!

Today, we're sitting down with Shelly, a business owner managing TWO businesses, seasonal income, and credit card debt. She's been doing what so many of us think we're supposed to do: making extra money and throwing it straight at debt. But when business slows down, she's right back to using those credit cards to cover everyday expenses.

Sound familiar?

Here's the thing: Paying off debt isn't always the first step toward getting your finances under control. Sometimes, we need to get ahead on our expenses FIRST so we can stop using those credit cards altogether!

In this real-life coaching conversation, we're breaking down how to manage inconsistent income, separate business and personal finances, and create a budget that actually works when your paychecks aren't predictable.

Let’s Take Our Relationship To The Next Level:

1️⃣ Facebook Group ➡︎ budgetbesties.com/facebook

2️⃣ Be on the Podcast ➡︎ budgetbesties.com/livecall

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

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

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

Click here to view our privacy policy.

Watch us make the budget!

Curious? Take The Free Money Stress Quiz!

Ready? Buy Our Simplified Budget System Now!

Budget besties, HOW is it already November?! 🍁 We blinked, October disappeared, and suddenly it's time to make another budget!

But don't worry, because we're making this SUPER simple!

In this episode, we're walking you through exactly how to create your November budget using our five-column budgeting system. No complicated spreadsheets, no tracking every single Chick-fil-A run, and definitely no wondering where all your money went!

We're breaking down how to organize your income, debt payments, bills, spending, and savings so that every dollar has a purpose.

Plus, we're sharing a real-life budget example of a single woman bringing in $11,400 a month who is able to save $1,700, invest, AND put almost $1,900 extra toward debt!

Yes, bestie, you really can save for your future while paying off your past!

Let’s Take Our Relationship To The Next Level:

1️⃣ Facebook Group ➡︎ budgetbesties.com/facebook

2️⃣ Be on the Podcast ➡︎ budgetbesties.com/livecall

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

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

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

Click here to view our privacy policy.

Curious? Take The Free Money Stress Quiz!

Ready? Buy Our Simplified Budget System Now!

Budget besties, does your grocery spending feel like a roller coaster? One week you're grabbing milk and eggs, and the next you're dropping hundreds at Costco. And what about that money you swear was left over from your paycheck? Where the heck did it go?!

In this episode, Shana and Vanessa are answering real questions from our Facebook community, and we're tackling two budgeting struggles that so many of us face: unpredictable grocery spending and money that seems to magically disappear.

We're breaking down how to create a grocery budget that actually works, even if you're a Costco, Sam's Club, or BJ's regular. We'll show you how to use a 90-day spending audit, create separate savings buckets, and set realistic spending guardrails so you're not constantly guessing how much you can afford.

Then we're getting into the paycheck-to-paycheck cycle. Because if you're tracking your spending but still wondering where all your money went, your spreadsheet might not be giving you the full picture.

And, of course, Vanessa has a little grocery store confession involving boneless, skinless chicken thighs and a reminder that having a budget isn't about restricting yourself. It's about giving yourself permission to spend without the guilt!

Let’s Take Our Relationship To The Next Level:

1️⃣ Facebook Group ➡︎ budgetbesties.com/facebook

2️⃣ Be on the Podcast ➡︎ budgetbesties.com/livecall

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

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

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

Click here to view our privacy policy.

Curious? Take The Free Money Stress Quiz!

Ready? Buy Our Simplified Budget System Now!

Are you ready to get your budget organized but feeling a little overwhelmed about where to start? How many checking accounts do you actually need? What happens when an unexpected expense pops up? And how do you keep everything straight without constantly moving money around?

In this episode, we're chatting with Teresa, who's ready to take control of her finances but has LOTS of questions about setting up her budget system. And trust us, besties, she's not alone!

We're breaking down the five checking accounts we recommend starting with, why separating your money is such a game changer, and how to handle those unexpected expenses without throwing your entire budget off track.

Plus, we're talking about something SO important: giving yourself grace while you're learning! Your budget doesn't have to be perfect on day one. In fact, we don't expect it to be.

Let’s Take Our Relationship To The Next Level:

1️⃣ Facebook Group ➡︎ budgetbesties.com/facebook

2️⃣ Be on the Podcast ➡︎ budgetbesties.com/livecall

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

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

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

Click here to view our privacy policy.

Curious? Take The Free Money Stress Quiz!

Ready? Buy Our Simplified Budget System Now!

Budget besties, your brain already has enough going on. Between work, practices, grocery runs, and somebody announcing they need new cleats, we do not need to add “Did the mortgage come out yet?” to the mental to-do list.

In this episode, we’re sharing five ways to simplify your budget so managing money doesn’t require a fresh round of mental gymnastics every time you swipe your card.

We’re talking about giving your bills their own home, separating the money you spend from the money you save, and automating those decisions you’re tired of making over and over. Because checking whether you can grab groceries should not require reviewing every transaction in your bank account.

And yes, there is a story about a 9 p.m. grocery run, BOGO beer, and six dozen free-range eggs. This is real-life budgeting, y’all.

Let’s Take Our Relationship To The Next Level:

1️⃣ Facebook Group ➡︎ budgetbesties.com/facebook

2️⃣ Be on the Podcast ➡︎ budgetbesties.com/livecall

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

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

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

Click here to view our privacy policy.

Curious? Take The Free Money Stress Quiz!

Ready? Buy Our Simplified Budget System Now!

Prefer to watch this episode?

Budget besties, have you ever looked at your paycheck and thought, "I make good money, so where the heck is it all going?" 💸

If you've ever felt like you're constantly playing catch-up, moving money between accounts, or wondering why your budget never seems to match your bank account, this episode is for YOU!

Today, we're doing something a little different! We're bringing you inside a real-life budget coaching session with our special guest, Jen.

Jen makes a great income, has been budgeting for a while, and is doing so many things right. But there's one big problem: she still feels like she's constantly robbing Peter to pay Paul. Sound familiar?

Together, we're digging into her actual numbers, reviewing her budget, and making some simple but POWERFUL changes to help her finally get ahead.

And spoiler alert: Jen doesn't necessarily need to make more money or cut out everything she loves. She needs a system that actually works with her real life!

Let’s Take Our Relationship To The Next Level:

1️⃣ Facebook Group ➡︎ budgetbesties.com/facebook

2️⃣ Be on the Podcast ➡︎ budgetbesties.com/livecall

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

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

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

Click here to view our privacy policy.

Join our FREE LIVE Debt Payoff Workshop on October 16th at 12pm CST!

Budget besties, if you're staring at multiple credit card balances and wondering where the heck to start, this episode is for YOU!

Today, Shana and Vanessa are answering your questions straight from our Budget Besties Facebook community! We're breaking down the different ways to pay off debt, how to decide which balance to tackle first, and why throwing a little extra money at every card might actually be slowing you down.

Should you start with your smallest balance? Your highest interest rate? Or that car payment that's almost paid off? Spoiler alert: there's no one-size-fits-all answer!

We're talking about the debt snowball, debt avalanche, and highest-minimum-payment methods, plus how to make a payoff plan that actually works for YOUR budget.

Let’s Take Our Relationship To The Next Level:

1️⃣ Facebook Group ➡︎ budgetbesties.com/facebook

2️⃣ Be on the Podcast ➡︎ budgetbesties.com/livecall

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

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

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

Click here to view our privacy policy.

Join our FREE LIVE Debt Payoff Workshop on October 16th at 12pm CST!

Budget besties, you make good money. Like, REALLY good money. 💸 So why does it feel like there's never enough left at the end of the month?

You look at your income and think, We should have savings. We should have breathing room. We should NOT be living paycheck to paycheck.

But somehow, the money disappears before you even get a chance to enjoy it.

Here's the thing: Your income might not be the problem. Your debt payments might be eating up all your cash flow!

In this episode, we're breaking down why even six-figure earners can feel completely broke, how debt quietly takes over your budget, and what you can do to finally get ahead.

We're sharing real stories from our coaching clients, including someone making $20,000 a month who discovered she was paying $5,700 toward debt every single month! 😳

And trust us, she's not alone.

Let’s Take Our Relationship To The Next Level:

1️⃣ Facebook Group ➡︎ budgetbesties.com/facebook

2️⃣ Be on the Podcast ➡︎ budgetbesties.com/livecall

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

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

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

Click here to view our privacy policy.

Join our FREE LIVE Debt Payoff Workshop on October 16th at 12pm CST!

Budget besties, you're smart, successful, making good money, and handling all the things. So why does it feel like you just can't get ahead with your credit cards?!

If you're constantly swiping your credit card, paying it off, and then swiping it again, you're not alone. And spoiler alert: Paying off your credit card balance isn't going to fix the problem if you don't change the system behind it!

In today's episode, Shana and Vanessa are breaking down 5 reasons smart women stay stuck in credit card debt, even when they're earning great incomes and trying to make responsible financial decisions.

We're talking about why your budget might actually be setting you up to fail, how those "unexpected" expenses aren't really unexpected, and why chasing credit card rewards could be keeping you a month behind financially.

Let’s Take Our Relationship To The Next Level:

1️⃣ Facebook Group ➡︎ budgetbesties.com/facebook

2️⃣ Be on the Podcast ➡︎ budgetbesties.com/livecall

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

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

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

Click here to view our privacy policy.

Curious? Take The Free Money Stress Quiz!

Ready? Buy Our Simplified Budget System Now!

Hey, budget besties! 💕

What happens when your income changes every month, but your financial goals stay the same? How do you save for a house, pay off debt, and still enjoy your life when some months bring in plenty of money and others are a little tighter?

This week, we're chatting with Cheryl, who has been using our Simplified Budget System to get her spending under control (especially groceries and dining out!). Now she's tackling her next big goal: saving another $10,000 for a house down payment while managing an inconsistent income.

And here's the twist: Cheryl is also working toward paying off her credit card by January. So should she keep throwing extra money at that debt or switch gears and start stacking cash for her dream home?

We're breaking down how to make those decisions without overcomplicating your budget.

Let’s Take Our Relationship To The Next Level:

1️⃣ Facebook Group ➡︎ budgetbesties.com/facebook

2️⃣ Be on the Podcast ➡︎ budgetbesties.com/livecall

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

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

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

Click here to view our privacy policy.