Financial Coaching for Women: How To Budget, Manage Money, Pay Off Debt, Save Money, Paycheck Plans Ideal Balance | Vanessa & Shana | Christian Financial Coaches | Dave Ramsey Fans

Snag Our Signature Budget Template!⁠




Today, we explore the real challenges and strategic solutions that can help individuals and families not just survive, but thrive financially, regardless of how or when the money comes in.

Key Highlights:


Understanding Unpredictable Income: We start off by discussing the various types of income schedules people face, from daily wages to monthly salaries, and how each can significantly affect financial planning and stability.


Personal Finance Struggles: Our guest shares her lifelong journey of financial independence, starting from her early twenties when she first managed her own finances, to now at 44, with a family and children, realizing the need to get a serious grip on her financial situation.


Family and Finances: Hear how raising four children and managing a household has brought both joy and financial strain. Our guest discusses the challenges of high income coupled with high expenses, and how family dynamics, like supporting sports and extracurricular activities, play a massive role in financial planning.


The Emotional Aspect of Money Management: It’s not just about numbers; it’s about feelings too. Our discussion touches on the emotional weight of owing money, the stress of unexpected expenses, and the desire to provide for children without compromising financial health.


Practical Steps Towards Financial Stability: We wrap up with actionable advice on how to tackle these challenges. This includes setting up dedicated accounts for bills, implementing spending freezes, and the importance of transparent family discussions about finances.





Join us as we unpack these insights with real-life stories and expert advice, ensuring you come away equipped to handle whatever your financial situation may throw at you. Whether you're dealing with fluctuating paychecks or just looking to refine your budgeting skills, this episode is a must-listen!



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!  






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Snag Our Signature Budget Template!


Today, we're diving into the essentials of setting up your budget for May. Whether you're a seasoned budgeter or just starting out, we’ve got tips and strategies to help you navigate the often tricky financial landscape of May, with its early paychecks and extra expenses. Plus, we're offering a free, downloadable budget template to make your planning easier.


Early Budget Preparation: Understand why getting a jump on May’s budget is crucial, especially with the unique timing of April paychecks that affect the next month's budget.
Wrapping Up April: We discuss the importance of reconciling your April expenditures with your budget to ensure accuracy moving forward.
Income and Expenses: Learn how to effectively list all sources of income and categorize your expenses, including debts and discretionary spending.
Savings Strategies: Discover how to start and manage savings buckets for emergencies, annual bills, and more to better prepare for large expenses down the line.
Making Adjustments: Tips on adjusting your budget based on actual spending to better align with your financial goals.
Special Occasions: Guidance on budgeting for May’s unique expenses like proms, graduations, Mother’s Day, and Memorial Day.


Budget Template: Utilize our one-page budget template to simplify the process of organizing your finances. Available for download at Budget Besties.
Systematizing Savings: How creating savings buckets now can alleviate stress from big, unexpected expenses later.
Smart Spending: Insights on how to prioritize necessary expenses over wants, and how to stretch your discretionary spending.


Real-Life Scenarios: From managing graduation expenses to preparing for holiday spending, learn how to tackle specific financial situations you may face in May.

Budgeting isn’t just about numbers; it’s about setting yourself up for financial peace and success. Tune in, get practical advice, and start making smart financial decisions today.

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!  




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Send in a voice message: https://podcasters.spotify.com/pod/show/idealbalance/message

⁠Snag Our Signature Budget Template!⁠

Ever wonder why you think about money the way you do? Tune in as we dive into the world of "money baggage"—those deep-rooted beliefs and habits about money picked up from childhood that sneakily guide how you handle finances today.

Key Highlights:

- What is Money Baggage? It’s all those notions and habits about money you picked up while growing up, like thinking money is always scarce or that saving is the only way to be secure. These can shape your financial decisions in ways you might not even realize!

- Couples and Cash: Hear how different money backgrounds can make waves in relationships. We share insights on why it’s crucial for partners to unpack each other's financial histories to build a stronger, more understanding bond.

- Changing the Financial Game: Learn through stories from real-life coaching sessions how recognizing your financial past can change your financial future. It’s all about transforming those old money beliefs to make way for healthier financial habits.

- Empowerment Through Awareness: Awareness is your new best friend! The episode highlights how understanding your own money story can empower you to rewrite it. Get ready to tackle those inherited money views and set yourself up for a financially savvy future.

Get inspired to shake off those old money misconceptions and step into a brighter, more financially aware tomorrow! Join the conversation and start changing how you view and use money in your life.

--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!


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Send in a voice message: https://podcasters.spotify.com/pod/show/idealbalance/message

Snag Our Signature Budget Template!



Today, we're thrilled to share the story of Veronica, a single mom and accounting technician from Nevada County who is taking bold steps to master her family budget.

In This Episode:


Real Challenges, Real Solutions: Veronica opens up about the financial hurdles of managing a household with an inconsistent income. Her journey is packed with practical takeaways for anyone looking to stabilize their financial life.
Simplifying with a One-Page Budget: Discover how Veronica uses a one-page budget template to gain a comprehensive overview of her finances. This tool simplifies complex financial information, making it accessible and manageable.

Mastering Bi-Weekly Budgeting: Learn the significance of aligning budget planning with bi-weekly paychecks. This strategy is key for anyone looking to make the most of their income cycles and foresee extra earning periods.

Family Involvement in Finance: Veronica's strategy includes involving her children in budget discussions, particularly around the costs associated with their sports activities. This educative approach promotes financial literacy and responsible spending from a young age.

Account Management Tips: We discuss the importance of separating financial accounts to distinctly manage bills and discretionary spending, a crucial step for preventing financial mix-ups and stress.


Veronica’s story isn’t just about overcoming financial challenges—it’s about transforming them into opportunities for growth and stability. Her proactive measures and the simple yet effective tools she uses are perfect examples of how anyone can take control of their finances with the right approach.

Join us to glean insights on how straightforward budgeting techniques can make a significant difference in your financial wellbeing. Veronica's experiences shed light on common financial pitfalls and how to avoid them through structured planning and disciplined budget management.

If you're inspired by stories of real transformation and practical financial strategies, this episode is a must-listen. Veronica’s steps towards financial mastery offer valuable lessons on budgeting that can be applied to various financial scenarios, helping you build a more secure and prosperous future.

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!


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Send in a voice message: https://podcasters.spotify.com/pod/show/idealbalance/message

Join Our Group Coaching Program Now!

Today we're thrilled to share some golden nuggets from our group coaching sessions, where we dive into the art of managing personal finances. We're unpacking real-life coaching scenarios that illustrate the power of thoughtful financial planning. Our aim? To give you practical tips and insights that can help you navigate your financial journey with confidence and clarity.



Key Insights We Discussed:

-Value-Based Spending: We're big believers in spending according to what truly matters to your family. It’s not about keeping up with the Joneses; it’s about making choices that align with your values. This approach not only saves money but also enriches your family’s life.

-Strategic Budgeting: We talk about how to craft a budget that covers the essentials while leaving room for paying off debt and saving. Knowing your minimum budget can dramatically improve your financial health, giving you a clearer picture of where to trim the fat and where to invest more.

-Debt Management: We explore effective strategies for tackling debt. Prioritizing high-interest debt repayment can free up more money in the long run, enabling you to invest in your future without the drag of past financial decisions.

-Family Financial Planning: Involving the whole family in budgeting decisions is a game-changer. We share how discussing financial choices openly can help everyone understand the value of money and make collective decisions that benefit all.

-Celebrating Financial Milestones: Recognizing every win along your financial journey is crucial. Whether it’s paying off a small debt or reaching a savings goal, celebrating these milestones can motivate and inspire continued effort and dedication.

Real-Life Coaching Takeaways:

-Immediate Impact of Debt Repayment: Imagine freeing up $500 in your budget by paying off your car. We discuss how impactful this can be, giving real-life examples from our coaching that highlight the immediate benefits of clearing debt.

- Proactive Management of Emergencies: We emphasize the importance of an emergency fund and how to budget for unexpected expenses. This proactive approach can save you from financial stress down the road.

-Engaging Family in Financial Decisions: Teaching kids about budgeting and involving them in financial decisions is not just empowering; it’s essential. It helps them understand the impact of financial choices from a young age.

Today, we're here to reassure you that with the right strategies and a bit of teamwork, managing your finances can be less daunting and more rewarding. We're excited to help you build a sturdy financial foundation that supports your dreams and goals. Whether you're dealing with debt, adjusting your budget, or planning for future expenses, we've got your back every step of the way!

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 p

Start planning your next adventure with our free travel budget planner available at ⁠budgetbesties.com/travel. ⁠



In this episode, we delve into the art of planning memorable family vacations without the financial stress. Discover the joy of traveling smart, from picking destinations to handling unexpected costs, ensuring a smooth and enjoyable experience for everyone. Our hosts guide listeners through a comprehensive approach to vacation budgeting, sharing their personal tips and practical tools to make dream vacations a reality without relying on credit.




Planning Ahead: The importance of deciding on the 'when' and 'where' early in the year, allowing for detailed budgeting and saving for the trip.
Budgeting for Travel Costs: Tips on calculating the total costs of transportation, whether you're driving, flying, or using other means. Includes reminders about hidden costs like airport meals and parking fees.
Accommodation Costs: How to estimate and budget for different types of lodging and potential additional fees (e.g., for parking or amenities).
Daily Expenses: Strategies for managing food costs, including the benefits of mixing dining out with simple grocery shopping to create a balance that suits your family's needs and budget.
Extra Expenses: Insight into budgeting for activities, shopping, and souvenirs, highlighting the necessity to anticipate and plan for these expenditures to avoid financial surprises.
Saving Strategies: Practical advice on setting up a dedicated savings account for travel, making regular contributions to spread the cost over time, and purchasing travel necessities as they go on sale.
Mindset for Travel: Encouraging a proactive and positive outlook on budget travel, focusing on planning and preparation to enhance the overall vacation experience.

This episode empowers families to take control of their vacation planning, ensuring that every aspect of the trip is budgeted for and paid in cash. By adopting a strategic approach to travel spending, families can enjoy enriching experiences together without the post-vacation financial hangover. Whether you're planning a beach escape or a cultural adventure, the insights shared here will help you navigate the planning process with confidence and ease.



Start planning your next adventure with our free travel budget planner available at ⁠budgetbesties.com/travel.⁠ ⁠This tool will help you organize, budget, and envision the perfect getaway that fits your financial situation, making your next vacation both memorable and affordable.

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!


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Send in a voice message: https://podcasters.spotify.com/pod/show/idealbalance/