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

***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. 1 DAY AGO

    329 | The Magic of Routine with Anna Dearmon Kornick: How a Weekly Finance Ritual Can Change Everything

    Snag Our Simplified Budget System! Shana and Vanessa welcome time management expert Anna Dearmon Kornick, who shares her powerful method for managing personal finances without letting it take over your week: the “Finance Friday” routine. Together, they dive deep into how managing time and money share common roots in our beliefs, our habits, and even our upbringing. Get ready for a practical guide to setting boundaries with both your time and your money! Check Out Anna's free mini course Blueprint to Balance! Check Out Anna's Podcast It's About Time! Key Takeaways: Set Boundaries Around “Finance Friday”: Anna's genius method of consolidating all financial to-dos—like checking balances, transferring to savings, and paying bills—into a single weekly session helps avoid distractions during the week. This finance-focused time block allows for more mental clarity and helps keep other parts of your week on track. Uncover Your Beliefs About Time and Money: We often carry beliefs from childhood that impact our view of both time and money. Anna shares how identifying these beliefs, whether they are limiting or empowering, is an essential first step in changing how we approach our schedules and spending. Avoid “Attention Residue”: Did you know that it takes about 23 minutes to refocus after switching tasks? Anna explains why it’s so important to keep “checking” to a minimum, whether it’s checking your email, your bank account, or your calendar. Blocked-out time for one task helps you avoid the mental leftovers, or “attention residue,” that can drain productivity. Connect Your Time Management to Your “Why”: Money and time management work best when they align with your values. By clearly defining your goals—whether it’s a family trip to Disney, a home down payment, or financial freedom—you create a budget and time strategy that makes every decision more purposeful. Make It a Family Affair: Whether it’s a Finance Friday or a “Marriage Meeting Monday,” find a weekly rhythm that works for you and your partner to get on the same page about your budget, your schedule, and your priorities. 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!

    37 min

  2. 2 DAYS AGO

    328 | Mastering Money Mindsets: Tools for Building Wealth and Avoiding Financial Stress

    Check out our friend's podcast, Her Unshakeable Confidence Hey, Budget Besties! This episode is all about breaking down money myths and building financial freedom with confidence. Join Shana and Vanessa as they chat with Simone and Olivia from the Daughter Dearest podcast, sharing insights on transforming your relationship with money—whether you’re in college, mid-career, or managing family finances. In this episode, we cover: Starting Fresh with Financial Education: Busting the myth of being “bad” with money and discovering that it’s often just a matter of not being taught the right tools and mindset. Building Financial Foundations Early: How young couples and singles can set the groundwork for financial success that will serve them for life. Embracing the “Bougie on a Budget” Philosophy: Loving the finer things in life, guilt-free! Learn how to build a budget that includes your self-care without sacrificing your financial goals. Money Mindfulness vs. Mindlessness: Recognizing and stopping mindless spending, setting specific budgets for expenses like dining out, and being intentional with every dollar. Using “Bank Account Balancing” to Simplify Your Budgeting: How to automate your finances with separate bank accounts for bills, groceries, personal spending, and savings, so you know where every dollar is going. Ditching Credit Dependency: Shana and Vanessa explain the benefits of being your own bank, building savings instead of credit, and other ways to achieve big goals without relying on credit scores. Communication & Money in Relationships: Tips for keeping open, honest money conversations in relationships—turning budgeting into teamwork, not tension. 1. Taking the Shame Out of Spending Money should be a tool, not a source of stress. Shana and Vanessa’s coaching approach encourages spending on what you love—just with a plan in place! You can enjoy the “bougie” things that bring you joy and still make progress on financial goals. 2. The Power of Automated Finances Automating transfers for different spending categories (like gas, groceries, and personal fun money) makes budgeting simple and empowers you to be intentional with your money. 3. Building Wealth Without Relying on Credit Credit cards are not a necessity for building financial security. Shana and Vanessa share strategies to save intentionally for future expenses and emergencies, eliminating the need for credit dependency. 4. Budgeting with Your Partner as a Team Building a financial plan together not only strengthens your financial health but also builds trust and clarity in relationships. Monthly “budget dates” keep everyone in sync and excited about shared goals! 5. For Our Young Listeners Start strong by creating a system before accumulating debt. You’ll be grateful when you have built-in habits and a foundation to avoid financial stress as life (and income) grows. When you're ready, here's how we can help you: ⁠Listen to our podcast.⁠ ⁠Grab our Simplified Budget System⁠ to get your finances organized without stress. Join our FREE ⁠Facebook Community Group⁠ for more support.

    50 min

  3. 4 DAYS AGO

    327 | No More Guessing: The Simple Plan to Know Exactly How Much You Can Spend

    Snag Our Simplified Budget System! Straight from our Office Hours, here’s what we tackled this week! Real questions, real struggles, and real solutions to help you get control of your money once and for all: Swiping Without Stress 🤔: So many people feel like swiping their card is a total gamble – sound familiar? We shared tips on how separating accounts and budgeting with purpose can make every swipe a confident one. It’s all about knowing where your money is going! From Chaos to Control 💪: Just writing numbers down doesn’t make a budget. We explained how our Simplified Budget System is designed to plan and categorize everything for you, giving you an actual game plan with every paycheck. No more “now what?” moments! Tackling Debt, One Step at a Time 🎯: Getting out of debt can feel like a mountain, but we’re all about small, consistent wins. Autopay for debt minimums and making extra payments on payday? Game changers. If the money’s gone, it can’t be spent! Saving for Vacations & Big Dreams 🌴🏠: Big goals don’t have to feel out of reach. We talked about setting up dedicated savings buckets for dreams like vacations or home-buying. With a little planning each month, you can make those dreams happen on purpose! Clarity Creates Confidence 🌟: Our clients come in looking for a way to finally “get it,” and with organized budgets, they’re finding peace of mind. Even small changes add up to major financial confidence. This Office Hours covered so much, and we’d love to have you join us next time! Get answers, tips, and support in our free Facebook group – link below! 💖 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

    19 min

  4. 8 NOV

    326 | Practical Budgeting Tips for Managing Irregular Income & Family Priorities

    Snag Our Simplified Budget System! We talk with Cassie, a nurse and mom of two from Texas, who’s balancing life with an “irregular” income and a family calendar that’s booked to the brim. Cassie’s husband works in the oil industry, which comes with unique income fluctuations—and when he's home, it’s all about making memories and taking advantage of family time, a mindset that can put savings goals on hold. They explore how Cassie and her husband can save for their big dreams (a forever home, a cheerleading fund, and even that sweet Disneyland budget!) without sacrificing the lifestyle they love. Key Takeaways: Embrace the Savings Buckets System: For big priorities like a home down payment or family vacations, separate savings accounts (a.k.a. “savings buckets”) can help you earmark funds without needing to track every single purchase. Structure Irregular Income for Peace of Mind: For those with variable income, budgeting around the lowest expected income helps keep bills and essentials covered. When those extra-good paychecks come in, that “bonus” can go straight toward dreams and savings goals. Automate Everything: Once you set up automatic transfers and define your spending categories, there’s no need for constant manual tracking. You’re free to focus on family, work, and all those weekend trips while knowing your financial goals are getting funded! Find Your Financial “Yes” and “No”: Cassie and the ladies chat about the pressures parents feel to “be there” at every practice or spend time socializing. But taking back some of those hours for budgeting or self-care can ultimately be a powerful way to support the family’s dreams. Choose the Right Bank for You: Not all banks offer the flexibility you might need for multiple accounts without fees. The team recommends starting with a bank that prioritizes ease of use with digital savings and checking accounts, like Ally or a local credit union. Cassie’s main lesson from the episode? The power of setting up systems that work in the background, so you can spend time where it matters most. 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!

    29 min

  5. 6 NOV

    325 | Real Talk About Money: How To Stop Overspending and Get Your Spouse On Board With Finances

    Snag Our Simplified Budget System! In this episode, the hosts explore common financial challenges couples face, highlighting the impact of miscommunication, unclear expectations, and differing financial habits. They discuss strategies to help clients better align as a team in managing finances, emphasizing the importance of clear communication, shared responsibility, and intentional budgeting. Here are the top insights: The Challenge: When one partner shoulders all financial responsibilities, resentment and isolation can build up. In one case, the partner managing the budget felt frustrated as the other continued spending without understanding the budget constraints. The Solution: To bridge this gap, the hosts recommend setting up a regular "budget meeting" together to review spending plans and set goals as a team. This approach brings both partners into the decision-making process, fostering mutual understanding and reducing tension. The Challenge: Financial discussions often carry frustration, especially if there’s debt or overspending. One client’s frustration led her to lash out, which wasn’t productive. The Solution: The hosts suggest framing money talks with positivity and patience rather than letting frustration take over. Using a constructive, supportive tone can make the other partner more willing to engage and problem-solve collaboratively. The Challenge: Many assume more income will solve financial issues, but often uncontrolled expenses are the real problem. The hosts noted clients with high incomes still facing debt due to unchecked spending. The Solution: By creating a detailed budget and sticking to it, clients can manage their expenses effectively, making it possible to save or pay off debt regardless of income level. The Challenge: Many people overlook opportunities to save on expenses like insurance. The hosts point out that people rarely re-quote their policies, resulting in overpayment. The Solution: The hosts recommend using insurance brokers to easily compare multiple quotes. They suggest this as a simple, effective way to save money without added hassle. The Challenge: Clients used to being overdrawn may feel uncomfortable when they see a positive balance, leading them to spend unnecessarily. The Solution: Recognizing these money anxieties and developing comfort with a positive balance can help break the cycle of overspending, leading to better financial health. 1. Shared Financial Responsibility2. Approaching Money Conversations Positively3. Focus on Expense Management, Not Just Income4. Importance of Requoting Insurance Regularly5. Addressing Money-Related Anxiety 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 clic

    22 min

  6. 4 NOV

    324 | End the Paycheck to Paycheck Cycle Rollercoaster: How to Build a Predictable Budget

    Snag Our Simplified Budget System!⁠ Hey, budget besties! Today, we’re diving into a seriously common question from our friend April in the Facebook group: “How do I stop living paycheck to paycheck?” April, you are not alone—so many of us feel the pain of balancing paychecks with bills, often feeling like we’re barely keeping up. Key Highlights from Today’s Episode: The Paycheck-to-Paycheck Trap: Most of us are familiar with the stress of waiting for payday to handle all the bills that have piled up. But what if you didn’t have to think about which bill goes with which paycheck? The Bills Account Solution: Here’s our recommended shift—create a dedicated bills account where all income goes first. Every time you get paid, funds go into this account, automatically paying your bills and sending budgeted amounts to savings and spending. Setting Up Your Flow for Freedom: With this system, you assign each dollar a job before it even leaves the bills account. You’ll transfer money from the bills account into specific “buckets” (think: personal spending, groceries, gas) and watch them fund automatically each month. How to Transition Smoothly: If switching to this model seems overwhelming, start by mapping out all your bills and income for a month on paper. Imagine seeing all your money in one big picture view, instead of paycheck-by-paycheck! This can be a huge mental shift, but it will help you see where a few temporary cutbacks can create a buffer to get started. Why This Works Long Term: When we’re not panicking about “how” or “when” to pay bills, we’re not stressed! Getting a paycheck ahead and creating that buffer lets you breathe easier, without worrying about juggling payment dates and paydays. The Benefits of Going on Autopilot: Once you’re set up, you won’t have to track paydays or chase due dates—everything becomes routine. This system is designed to reduce financial stress, bring clarity to your money flow, and allow you to focus on your life instead of living for the next paycheck. If you’re ready to switch from managing paychecks to managing your plan, start here with our custom Budget Besties system. We break it all down for you, so you can focus on what matters. And remember, 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 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!

    16 min

  7. 1 NOV

    323 | Living Bougie on a Budget: Enjoy Life While Building Financial Stability

    Snag Our Simplified Budget System! Hey Budget Besties! 🎉 We’re thrilled to share a replay of one of our absolute favorite podcast chats—this time as guests on the Grace-Filled Leader Podcast with the amazing Tanya! In this episode, we dive into what it means to manage finances without losing sight of the bigger picture, like being present with our families and creating a life that feels balanced and fulfilling. Together, we explore how to finally let go of perfectionism in all areas, not just with money. You’ll hear our personal stories and tips for creating practical, doable financial plans—especially if you’re a busy professional or entrepreneur with a household to run. We break down the must-do steps for budgeting that will simplify your life, like setting up separate accounts for bills and daily spending, learning to automate, and getting every dollar organized so you know exactly what’s going on with your money. Whether you’re new to budgeting or just need a boost, this conversation is packed with golden nuggets to help you get started, build consistency, and start showing real results in your financial life. Tanya’s insights and her commitment to helping women achieve work-life balance complement our mission, making this an inspiring, value-filled episode we couldn’t wait to share! 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!

    31 min

  8. 30 OCT

    322 | Hidden Savings: How One Call Could Reduce Your Monthly Bills

    Snag Our Simplified Budget System! Welcome back, budget besties! Shana and Vanessa are diving into real-life financial breakthroughs from their latest client coaching sessions, sharing tips and lessons that’ll inspire you to make moves in your own money journey. This episode is all about combining finances, cutting out debt temptations, and negotiating bills. Ready to hear how real people are saving thousands? Let’s go! To Combine or Not to Combine? 💍 Lesson: If you’re in a partnership and keeping finances separate, have a conversation about the why behind it. Shana’s client, who is about to go on maternity leave, realized she and her husband never really discussed joining their finances, and this conversation opened up a path for new possibilities. Takeaway: Working as a financial team not only helps pool resources but strengthens communication, trust, and bigger financial goals. Try combining finances and focusing on shared dreams – you’ll be surprised at the results! Take the Credit Cards Out of Your Wallet! 👜 Lesson: If debt is an issue, one big step toward cutting spending temptations is removing those credit cards from your wallet – both physical and digital. Shana and Vanessa recommend going cash-only or debit-first as a powerful way to start breaking away from credit dependency. Takeaway: Saving on interest payments is only half the reward; the real benefit is the sense of control that builds as you rely on your cash flow. Use this time to reset and see how much further you can go with what’s yours! Non-Negotiable Income Goals for Business Owners 💇‍♀️💵 Lesson: Vanessa worked with a business-owning client to calculate a “non-negotiable” monthly goal – the bare minimum her hairdresser client needs to meet personal expenses. From there, they created good-better-best financial targets, so she has a clear vision for growth! Takeaway: If you’re a business owner, set a minimum income goal, then build it up to reach milestones like debt paydown, savings, or even a vacation! This clear, numbers-based plan can transform the way you approach your month. Negotiate Your Monthly Bills – Seriously! 📞💡 Lesson: In one session, Shana’s clients saved over $4,000 a year just by making a few phone calls to their phone, internet, and credit card companies. By checking with providers for new plan options and promotions, they cut unnecessary costs and created new financial wiggle room. Takeaway: Block out some time to call your service providers and ask about promotions, loyalty discounts, or re-evaluations. Even a few dollars here and there add up to thousands annually! 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 commiss

    21 min
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***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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