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

Book A Free Financial Coaching Call!



Today, we are talking about the importance of setting financial priorities and sticking to them. Our clients have made incredible progress, from paying off credit card debt to tackling student loans and planning for future expenses. We share their journey, the challenges they've faced, and how they've managed to stay focused on their goals.

Episode Highlights:


Client Success Stories:


Our clients kicked off the year with ambitious goals and have already paid off their credit card debt. 🎉
They've set a clear plan: prioritize student loans, pay off braces, build an emergency fund, and tackle vehicle and home expenses.


Tackling Multiple Financial Goals:


Balancing paying off student loans while saving for other essentials.
Prioritizing a fully funded emergency fund before addressing less urgent debts like vehicle loans.


Budgeting for Everyday Expenses:


Simplifying finances by creating separate accounts for different spending categories, like dining out.
Emphasizing the importance of planning and tracking spending to avoid financial stress.


Personalized Coaching Insights:


Discussing strategies to avoid common budgeting pitfalls, such as consolidating all spending into one account.
Encouraging clients to take ownership of their financial plans and celebrate small victories.


Importance of Staying Ahead on Taxes:


Advising business owners to stay current with their taxes to avoid future financial stress.
Highlighting the benefits of setting aside a percentage of income for taxes to stay ahead.



Key Takeaways:


Set Clear Priorities: Define what needs to be tackled first, from paying off high-interest debts to saving for emergencies.
Stick to the Plan: Resist the urge to deviate from your financial plan, even when unexpected expenses arise.
Simplify and Track Spending: Use multiple accounts for different spending categories to stay organized and avoid overspending.
Stay Ahead on Taxes: For business owners, staying current on taxes can prevent significant financial headaches down the line.




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!  


---

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

Book A Free Financial Coaching Call!

Today, we’re diving into the challenges every mom faces when managing family finances. Whether it’s budgeting for unexpected school costs or navigating the expensive world of sports like cheer, we're here to give you the real deal on managing your money effectively. Join us as we respond to your burning questions and share personal anecdotes that will help you create a stress-free budget that actually works for you and your family.

In This Episode:


Made of Money? - We kick off the episode with a fun reminder that no, moms are not made of money! We discuss the reality of budgeting for big-ticket items like cheer competitions and why starting a savings bucket for such activities can be a game-changer.


Budgeting Basics for Moms: - The second half of our show focuses on the typical budget challenges moms face, from clothing costs for growing kids to managing the household budget. We share tips on how to determine what your kids really need versus what they want, ensuring your purchases are necessary and within budget.


Dealing with Unexpected Costs: - Unexpected school and sports expenses can throw a wrench in your budget, but we talk about how anticipating these costs can prevent financial surprises. Learn how to set up savings buckets for different categories and start saving incrementally to cover these inevitable expenses.


The Sports Dilemma: - We tackle a common dilemma for many parents: the cost versus benefits of enrolling kids in sports. While keeping them busy is important, we discuss the value of free time and creativity, and how not being busy all the time can be beneficial for kids’ development.



Key Takeaways:


Start a savings bucket for large yearly expenses and divide the total cost by 12 to save monthly.
Create specific budgets for categories like housing and unexpected costs, and stick to them unless it's an emergency.
Evaluate what your children actually need before making purchases, and involve them in the decision-making process to teach budgeting skills.

Closing Thoughts:
Moms, you're not alone in the financial challenges you face. By implementing strategic savings plans and sticking to your budgets, you can alleviate the stress of financial management. Remember, empowerment in budgeting comes from clarity and a proactive approach. Keep pushing forward, and know that every small step is a big win in achieving financial stability.






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!  


---

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

Book A Free Financial Coaching Call!

In today’s episode, we're answering your questions about budgeting and motherhood. We talk through the unique challenges moms face when budgeting for the unexpected—yes, all those "mom-made-of-money" moments when you just wish you had a secret stash just for ice cream after little league wins!

📍 Today’s Highlights:


Post-Game Treats: We chat about those spontaneous celebrations like ice cream after a win. Instead of letting these sweet surprises blow your budget, we explore setting aside a fun fund—maybe a cash envelope in your purse. Let's make budgeting a game and teach the kids about spending limits.


Dealing With Unexpected Expenses: We've all been there—suddenly, the soccer shoes don't fit, or there's a school trip fee due tomorrow. Instead of getting frustrated, we talk about tracking these expenses to better prepare next year. Remember, 'unexpected' is just another word for 'not yet budgeted.'


Conversations with Kids: We discuss the power of including your children in budget discussions. It's not about saying "no," but about choosing what to prioritize—be it saving for a vacation or managing day-to-day expenses. This approach helps kids understand budgeting isn’t just a necessity but a way to control their financial future.


Single Moms & Budgeting: Special shoutout to the single moms out there making it work. We delve into how transparency about finances can be a powerful teaching moment for teenagers heading to college.


Budgeting for Extracurriculars: Whether it’s sports or dance classes, extracurriculars can take a significant slice of the budget pie. We share strategies on how to handle these costs without compromising your financial health.



📍 Tip of the Day:
Remember, every budget decision is a chance to teach valuable financial lessons. Whether it's deciding against a spontaneous purchase or planning for future expenses, each choice builds towards a financially literate family.

📍 Budget Bestie Reminder:
Check out our signature budget template at budgetbesties.com/budget. It’s designed to simplify your financial life and is packed with walkthrough videos and special training to get you and your family on the path to financial empowerment.

💬 We’d Love to Hear from You:
Got a budgeting tip or a story you’d like to share? Drop us a line or comment on our social channels. How do you involve your family in budgeting decisions? Let's keep this conversation going and help each other navigate the financial maze of motherhood!

Until next time, keep those budgets balanced and those dreams within reach, besties!






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 & pu

Book A Free Financial Coaching Call!

Today, we are talking the real-world challenges and practical solutions for turning a good income into great savings. Our guest shares her candid experience of managing finances with a good income but struggling to optimize savings and reduce debt. Discover actionable advice on simplifying your budgeting process, effectively managing multiple accounts, and strategically using your income for saving, spending, and debt repayment.

What You'll Learn:


Understanding Financial Flow: Insights into how our guest and her spouse manage their bi-weekly income and the initial struggles with spending and debt payments.
The Power of Account Management: Learn how simplifying your account structure can help manage your bills more efficiently and avoid financial confusion.
Strategic Savings and Debt Repayment: Tips on how to allocate surplus funds towards savings and debt repayment effectively, turning financial stability into a stepping stone for future goals.
Practical Budgeting Tips: How to use budgeting to balance spending on necessities and luxuries, including setting up dedicated accounts for different types of expenditures.

Key Takeaways:


The importance of having a clear budgeting system to track where every dollar from your paycheck goes.
Strategies for setting up separate accounts for bills, savings, and personal spending to keep finances organized.
Real-life advice on adjusting your budget to accommodate both essential expenses and personal spending without compromising your financial goals.



Join us as we explore these real-life strategies and tips that will help you harness your income's full potential and achieve your financial dreams. Whether you're looking to improve your savings or pay down debt, this episode offers the guidance you need to make significant changes in your financial 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!  



---

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

Book A Free Financial Coaching Call!

Hey Budget Besties! It’s Vanessa and Shayna here, and today we’re tackling a topic we all think about but often stress over – managing our money. We’re here to show you how handling your finances can be both empowering and enjoyable, especially for us women who juggle so much!

What We're Diving Into:


You know those moments when the kids suddenly need new sports equipment or it's time for school photos again? We're talking about why these "surprises" aren't really surprises and how you can budget for them effortlessly.
Budgeting as a Form of Self-Care: Yep, we said it! Budgeting isn't just about numbers; it's about taking care of YOU. We discuss how prioritizing your own needs in your budget is not just okay, it's essential. So yes, book that spa day without any guilt!
Ready to feel good about your bank account? We explore how to shift from feeling overwhelmed to feeling in control and confident about your finances.
Whether you're flying solo or planning with your partner, we share how to make financial decisions a joy rather than a chore. Let’s make those budget meetings something you look forward to!
Today is all about flipping the script on finances – turning those scary dollar signs into opportunities for empowerment and yes, even some fun. We’re here to help you make informed, joyful choices that fit perfectly with your lifestyle and dreams.

Let’s take control of our financial destinies and enjoy the ride! With our easy-to-follow tips and strategies, you’re not just managing money; you’re setting the stage for a rich, fulfilling 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!  


---

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

Book A Free Financial Coaching Call!



Today we explore the difference between those who find success in budgeting and those who stumble, discussing the role of mindset and preparation. If you've tried budgeting before and felt it wasn't for you, this discussion might shed some light on why and how you can prepare to succeed.

Key Points Discussed:


Understanding Readiness: Our budget besties want to budget but struggle due to a lack of readiness. This readiness isn't just about having a plan, but also about having the right mindset to stick to it. We compare this to preparing for a marathon: without the right training and mindset, success is unlikely.


Common Pitfalls in Budgeting: We discuss real-life examples where people had the tools and resources to budget but ultimately failed due to premature decisions or not being mentally prepared. These stories highlight the importance of recognizing when you're genuinely ready to commit to budgeting.


Mindset Over Mechanics: Often, the challenge isn't in the numbers but in the mindset. We talk about the psychological aspects of budgeting, such as overcoming the urge to spend unexpectedly due to old habits or emotional triggers.


Strategies for Success: Practical advice on how to gradually prepare for successful budgeting, including setting realistic goals, understanding the importance of small steps, and learning from past mistakes without self-judgment.


Motivational Insights: Inspirational anecdotes and quotes from those who have successfully transformed their financial habits, emphasizing the power of persistence and the right mindset.



Budgeting isn't just about managing money; it's about managing your mindset and expectations. Whether you're overcoming financial challenges or seeking to improve your financial health, this episode provides valuable insights into making lasting changes. Are you ready to assess your readiness and take the plunge into effective budgeting? Join us to find out how to align your goals with your actions for financial success.



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!  


---

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