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

Vanessa and Shana | Budget Besties | Bougie On A Budget | Dave Ramsey Fans
  • 4.7 (20)
  • How To
  • Updated Semiweekly

***TOP 1% MONEY & FINANCIAL SUPPORT PODCAST*** Do you make good money but have nothing to show for it? Tired of using your bank account & credit card balances as your budget? Want to get debt-free but don’t want to sacrifice everything to do it? Ready to save money and build generational wealth? You’re in the right place! We’re telling you exactly how to budget, pay off debt, save money & stop living paycheck to paycheck. We’re Shana & Vanessa: BFFs, business partners & Dave Ramsey Solutions Master Financial Coaches (and unofficial marriage counselors). We’re glad you’re here.

  1. 1d ago

    How to Pay Off Debt Without Going Back to Credit Cards | 583

    Curious? Take The Free Money Stress Quiz! Ready? Buy Our Simplified Budget System Now! We know paying off debt can feel like the urgent, obvious first step. But in this episode, Shana and Vanessa are flipping that script a little. Because here’s the truth: if we attack debt without savings buckets, spending accounts, and a real plan for upcoming expenses, we’re probably going to end up right back on the credit card. This episode is all about creating the kind of budget system that actually supports real life. We’re talking about spending accounts, savings buckets, debt payoff, single mom budgeting, and why there is no one-size-fits-all plan for your money. Before we get aggressive with debt, we need to make sure our budget is actually working. That means getting everything on paper, separating our spending, and knowing what money is for bills, what money is for everyday spending, and what money needs to be saved for things coming up. Savings buckets are not optional fluff. They are what help us stop relying on credit cards when life happens. Christmas, birthdays, property taxes, vacations, kids’ activities, travel, and repairs are not surprises if we know they’re coming. Debt payoff does not have to be all or nothing. Sometimes we pay extra on debt, sometimes we pause to save for an upcoming expense, and sometimes we do both at the same time. The goal is to stop the cycle for good. A spending account can be simple. For some of us, it might be one account to start. For others, it might be separate accounts for groceries, eating out, personal spending, and kids. The best system is the one we’ll actually use. Financial coaching helps take the guesswork out of all of this. Having someone look at the numbers with us, build the system with us, and help us make the next right decision can bring so much clarity and relief. 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.

    13 min

  2. 3d ago

    How to Make a Monthly Budget (Build Your July 2026 Money Plan Step-by-Step With Us) | 582

    Curious? Take The Free Money Stress Quiz! Ready? Buy Our Simplified Budget System Now! Budget besties, can you believe July is already here? We are officially stepping into the second half of the year, which means this is the perfect time to pause, reset, and make a money plan that actually works for real life. In this episode, Shana and Vanessa walk us through creating a July budget step by step. Whether June felt chaotic, your first half of the year did not go exactly as planned, or you are ready to get back on track, this episode is your reminder that it is not too late. We can still make progress, reset our goals, and use our budget to feel clear, confident, and prepared. Grab your budget and work through it with us as we cover income, debts, bills, spending, savings, and all the sneaky July expenses that love to pop up. 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.

    21 min

  3. 6d ago

    After YNAB and Dave Ramsey: The Budget System That Finally Worked | 581

    Curious? Take The Free Money Stress Quiz! Ready? Buy Our Simplified Budget System Now! Budget besties, this episode is such a good one because Brianne came ready to preach. When Brianne first came to coaching, she was a newly divorced single mom, self-employed, and convinced she couldn’t afford help. She had used YNAB for years, taught Financial Peace University, knew her numbers inside and out… and still felt like her budget wasn’t actually working. The big shift? Realizing she didn’t need more tracking, more software, or more busy work. She needed a system. In this conversation, Brianne shares what changed when she started using the Simplified Budget System, why separate bank accounts actually made her money easier to manage, how she got past her fear of debit cards, and why knowing what she truly costs each month became a game-changer. We also talk about the emotional side of budgeting, especially when you’re used to cash-flowing everything, robbing Peter to pay Paul, or trying to make a bare-bones budget work when real life keeps happening. This one is for every budget bestie who has tried all the apps, spreadsheets, classes, and tracking systems and still feels like, “Why do I make good money and have nothing to show for it?” 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.

    37 min

  4. Jun 17

    Money Mindset Reset: Stop Avoiding Your Numbers | Reair: Mama's Tired with Rachel Kind | 580

    Curious? Take The Free Money Stress Quiz! Ready? Buy Our Simplified Budget System Now! Check out Rachel's Podcast Mama's Tired Here. 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.

    19 min

  5. Jun 15

    10 Top Tips to Pay Off Debt and Stop Using Credit Cards | 579

    Watch Our Debt Payoff Workshop! Trying to pay off debt but still feel like nothing is working? In this episode, Shana and Vanessa are breaking down 10 of their best debt payoff tips to help us stop spinning our wheels, stop making debt worse, and start making real progress with a plan that actually fits real life. We’re talking about why your credit card balance is not your budget, how to figure out how much you can actually put toward debt, and why the “best” debt payoff method depends on your budget right now. Snowball, avalanche, minimum payment method — they all have a place, but the real magic happens when we know our numbers and make an informed decision each month. This episode is your reminder that debt payoff is not just about throwing random extra payments around. We need a clear budget, realistic spending numbers, savings buckets that keep us from relying on debt again, and a focused plan for paying off one debt 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.

    19 min

  6. Jun 12

    Budgeting in a Hard Season: How to Stay Stable Without Extra Income | 578

    Curious? Take The Free Money Stress Quiz! Ready? Buy Our Simplified Budget System Now! In this coaching session, Shana and Vanessa sit down with Chantelle, a longtime listener and budget bestie, who shares her experience navigating a difficult season of life. After stepping away from her job to advocate full-time for her son's medical needs, Chantelle is learning how to manage an unpredictable income while staying focused on what matters most. Together, they discuss what it means to budget during "storm mode," how to handle fluctuating side hustle income, the purpose of a paycheck-ahead fund, and why it's okay to rely on your budget differently during challenging seasons. They also cover practical strategies for Costco spending, reimbursement-based expenses, and finding peace when account balances temporarily decrease. This episode is a reminder that budgeting isn't about perfection—it's about creating a plan that supports you through every season of life. What We Talk AboutManaging finances during a medical crisis and caregiving seasonWhy a paycheck-ahead fund isn't always the first priorityCreating a realistic budget based on guaranteed incomeUsing side hustle income strategicallyHandling anxiety when savings balances decreaseBuilding financial confidence during difficult seasonsBudgeting for bulk purchases and Costco tripsManaging reimbursement-based expensesCelebrating budgeting wins, including staying on budget through Christmas 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.

    22 min

  7. Jun 10

    The Budget Mistakes That Keep You Living Paycheck to Paycheck | Lessons From The Sessions | 577

    Curious? Take The Free Money Stress Quiz! Ready? Buy Our Simplified Budget System Now! Budget besties, this episode is all about what happens when your money life has a lot of moving parts: personal finances, business income, real estate, trusts, debt payments, vehicles, savings goals, and everyday spending all tangled together. Shana and Vanessa walk through a real client example where three separate budgets helped create major clarity. Once everything was on paper, this client and her husband could finally see what was happening, make informed decisions, and start the domino effect by selling a truck they no longer needed. The big takeaway? When money is mixed together, it gets confusing fast. But when we separate it, label it, and set up simple systems, our budget starts working for us automatically. Separate accounts, realistic spending categories, labeled savings, and automatic transfers can help us stop relying on memory, stop overspending “extra” money that isn’t really extra, and start making progress toward the goals we actually care about. 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.

    18 min

  8. Jun 8

    How to Stop Feeling Stressed About Money Without Tracking Every Dollar | Reair: All Things Excellence Podcast with Chelsey Debruin | 576

    Curious? Take The Free Money Stress Quiz! Ready? Buy Our Simplified Budget System Now! Check out Chelsey's podcast! Budget besties, this one is for anyone who has ever said, “I don’t need a budget,” while also wondering where all their money went. In this episode, Shana and Vanessa get real about why budgeting is not about restriction, shame, or living on beans and rice. It is about giving every dollar a job so our money can actually support the life we want — the trips, the family fun, the savings goals, the debt payoff, the cute shoes, and the peace of mind. We talk about why so many of us were never taught how to manage money, how modern finances have gotten way more complicated than they used to be, and why simply “having money left over” is not the same thing as having a plan. Shana and Vanessa also break down their simple account system, how to separate bills from spending, and why budgeting can actually make spending feel more fun and guilt-free. This episode is full of permission to stop spiraling, face the music, and start building financial clarity one step at a time. In This Episode, We CoverWhy “I don’t budget, I just buy what I want” is not the flex people think it isHow budgeting helps us live bougie on purposeWhy money stress and lack of budgeting are so connectedThe power of putting everything on one pageWhy a 90-day spending audit can be eye-openingHow to teach kids financial literacy without shameWhy net worth matters more than obsessing over a credit scoreSimple ways to reduce expenses without cutting everything funHow separating bank accounts creates clarity and fewer money fightsWhy financial coaching can feel like having a personal trainer for your money 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.

    57 min
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4.7
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20 Ratings

About

***TOP 1% MONEY & FINANCIAL SUPPORT PODCAST*** Do you make good money but have nothing to show for it? Tired of using your bank account & credit card balances as your budget? Want to get debt-free but don’t want to sacrifice everything to do it? Ready to save money and build generational wealth? You’re in the right place! We’re telling you exactly how to budget, pay off debt, save money & stop living paycheck to paycheck. We’re Shana & Vanessa: BFFs, business partners & Dave Ramsey Solutions Master Financial Coaches (and unofficial marriage counselors). We’re glad you’re here.

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