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

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Have you made your June budget yet? In this episode, we’re walking you through exactly how to build your monthly budget from start to finish. We’re covering how to close out May correctly, update your real numbers, plan for spending, organize your bills, set up savings buckets, and figure out how much extra you actually have to throw at debt.

This is the exact process we use with our clients to stop the paycheck-to-paycheck cycle and finally feel organized with money. Grab your budget, your laptop, or a notebook and make June’s budget with us while you listen!

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.

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Curious? Take The Free Money Stress Quiz!

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Jen is tired of feeling like every paycheck is already spent before it even hits the account. Between dance competitions, surprise expenses, kids’ needs, and trying to “make it work,” she feels stuck in the constant cycle of hoping there’s enough money to cover everything.

In this coaching session, we walk Jen through the very first steps to stop winging it and finally create a simple system for her money. We talk about:

• Why your bills account should become your main account
• How to stop using “hopeful numbers” instead of real numbers
• The easiest way to separate bills from spending
• What to do when unexpected expenses keep popping up
• Why getting everything on ONE piece of paper changes everything
• How to talk to your spouse about money when things feel tense
• Why savings buckets help with all those “random” expenses
• Snowball vs avalanche debt payoff methods
• The truth about living paycheck to paycheck

If you’ve ever thought:

“Why do we make decent money but still feel broke?”

…this episode is for you. 💛

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.

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Watch Our Debt Payoff Workshop!

Caroline and AJ both booked a free call… without knowing the other one had already done it. That’s how ready they were for change. 🙌

They were working full time, running a growing wedding photography business on nights and weekends, and still wondering:

• Why isn’t the money stacking up?
• Why are we still in debt?
• Why does this feel so stressful?

They were doing all the “right” things. Good jobs. Successful side hustle. Working nonstop. But no system. No plan. Just winging it.

Until they found the podcast episode on debt consolidation… and everything clicked.

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!

Today we’re bringing you a real-life coaching case study—and y’all, this one is so good. Because you might see yourself all over it.

This adorable young couple (two kids, big dreams, cutest energy ever) came to us making great money… and spending it just as fast. He was 100% commission in finance (plus quarterly bonuses 😅), which meant income was high—but unpredictable. And when money feels random, spending gets random too.

They didn’t have tons of debt. In fact, they paid off their credit card right at the beginning. Their real issue?

👉 No system.

👉 No clarity.

👉 No separation.

👉 Zero savings buckets.

Money was everywhere… and going nowhere.

Let’s talk about what changed.

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… do you have 10 minutes?

Because if you do, we’re about to give you the easiest, quickest, least-overwhelming way to organize your finances. And we mean actually organize them — not just “everything’s fine” while the room is metaphorically on fire. 🔥🐶

You know the meme.

“This is fine.”

If you’ve ever looked at your bank account and thought:

• “There’s money in there, so I think I’m good?”
• “Wait… did that bill already come out?”
• “How many more things are hitting before payday?”
• “I think I can afford this…?”

Then bestie… everything is not fine. It’s chaotic. It’s cluttered. It’s your closet before you finally declutter it.

And just like that closet — it may be “working”…

But there is SUCH a better way.

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… we love you. But if you remember NOTHING else from this episode, remember this:

Take the Bills debit card out of your wallet.

Yes, we said it loud. Yes, we’re serious. And yes… we’ve probably said it every single episode since we started coaching.

In this episode, we’re breaking down what happens when the Bills account becomes the “everything” account — airport hoodies, Chick-fil-A, Uber, school lunches, dry cleaning, Ann Taylor (because apparently that’s a bill now? 😂).

Here’s the thing:

Your Bills account has ONE job. To pay your bills. That’s it. It is a fortress. It is sacred. It is not funding Dunkin’.

When we separate bills from spending:

• You stop guessing.
• You stop stressing.
• You stop tracking every single transaction.
• And you actually start seeing money stay in your spending accounts.

We also shared the story of an incredible client who:

• Had so many Klarna payments she had to scroll to see them all
• Thought she couldn’t afford coaching
• Was paying 16% interest on her Jeep with a co-signer
• Felt completely alone in her finances

Fast forward a few months:

• Klarna almost gone
• Thousands paid toward debt
• Interest rate cut in HALF (on her own!)
• No co-signer
• Saving monthly
• Paying for vacations in cash
• Building an exit plan she didn’t think was possible

What changed?

Organization. Separation. Support. Confidence built step by step.

Sometimes you don’t need more income.

You need clarity.

You need a plan.

You need someone in your corner reminding you that you’re not bad with money — you just weren’t shown a system that works.

Whether it’s our personalized budget templates, group coaching, six-month coaching packages, or the Simplified Budget System — everything we do is about helping you feel calm, capable, and in control.

Because budget besties… you deserve to feel like a million bucks about your money.

And seriously.

Go put that Bills card in the freezer. ❄️

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… it’s here. SUMMER. 😅

The kids are about to be home, the swimsuits don’t fit, the camps are filling up, and somehow it already feels like your budget is sweating.

If we can plan for back-to-school and Christmas all year long… why aren’t we planning for summer the same way?

In this episode, we’re walking you through how to create a summer that feels fun, intentional, and aligned with your values — without blowing your budget or losing your sanity.

Because we don’t want rushed, emotional, “just make them stop fighting” spending.

We want a great summer. On purpose.

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, this episode is for the moments when we look at our income and think, “We should be okay… so why are we still behind?”

In this coaching call, Shana and Vanessa talk with Chelsea, a mom of five in a single-income household, who is trying to catch up on bills, manage debt, and figure out why the money keeps disappearing even when they’re making good money.

Together, we walk through what to do when you’re behind on bills, why everything needs to get out of your head and onto paper, and how separating accounts can bring instant clarity. We also talk about realistic grocery budgets, medical expenses, credit cards, past-due payments, and why perfectionism can keep us stuck.

This is not about shame. It’s about seeing the full picture, protecting the four walls, and taking one realistic next step at a time.

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… this one is GOOD.

We’re back with the one and only 🎶 Coach Michelle 🎶 — our office hours queen and now the go-to for our Budget Setup Sessions!

Today’s convo is all about what happens when real life hits your budget… and how community + clarity changes everything.

Michelle shared the story of one of our longtime office hours friends:

• Hard-working mama
• Supporting her husband’s startup
• Raising kids (including one who needs extra care)
• Watching savings slowly shrink
• Determined not to go back to credit cards

She was weighing:

• 401(k) loan
• Business loan
• Personal loan
• Side hustles
• Anything to avoid high-interest debt

And instead of spiraling alone?

She brought it to office hours.

What happened next is why we love this community so much:

• Other budget besties jumped in with creative, realistic ideas
• Side hustle suggestions tailored to her actual skills (art lessons, tutoring, laundry service, pet sitting)
• Honest discussion about risks of retirement loans
• Encouragement to protect their debt-free progress

No “finance bro” advice.

No shame.

Just real women saying: We see you. Let’s think this through together.

That’s what office hours is for.

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!

This episode is for every mom who feels like she’s running a full-time taxi service, short-order cook, event planner, and somehow also expected to “just budget” on top of it all.

We see you. We are you.

Between volleyball tournaments, gymnastics, long drives, team dinners, school surprises, and figuring out who’s buying $9 eggs this week… there is NO extra time to sit down with a complicated spreadsheet.

So today’s episode is all about budget shortcuts for busy moms — the kind that make your money run on autopilot so you can focus on your family (and maybe even breathe).

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.