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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***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 dag geleden

    The “Bougie on a Budget” Mindset Every Woman Needs | Reair: Positive Life Solutions with Peggy Meyer | 594

    Curious? Watch Our Money Makeover Bootcamp! Ready? Buy Our Simplified Budget System Now! Budget besties, budgeting does not have to mean rice, beans, and saying goodbye to every little thing that brings you joy. In this conversation, Shana and Vanessa break down what it really means to be “bougie on a budget”—and spoiler alert: it looks different for everyone. For one person, bougie might mean travel sports. For someone else, it might be vacations, horses, facials, massages, dining out, or getting their hair and nails done. The goal is not to copy someone else’s budget. The goal is to build a budget that reflects your real life, your priorities, and the things that genuinely matter to you. We also talk about why so many women feel like they make good money but still have nothing to show for it. Often, the problem is not overspending. It is a lack of organization. When every bill, transfer, swipe, subscription, and expense comes out of one account, your money can feel like it disappears into a black hole. That is where the Budget Besties system comes in: simplify, separate, and automate. By separating bills from everyday spending, creating clear spending accounts, and planning ahead for expenses that happen throughout the year, you can stop doing mental math every time you swipe your card. You can see what is available, know what each dollar is for, and feel more confident about your choices. We also dig into the difference between a true emergency and an expense you simply forgot to plan for. Christmas, annual insurance premiums, car tags, pet visits, HOA fees, birthdays, and travel fees are not surprises. They may not happen every month, but they still belong in the budget. When we plan for those expenses in advance, we create a more consistent budget and reduce the financial roller coaster. This episode is a reminder that you are not bad with money. Most of us were never taught how to manage modern finances, and our financial lives are more complicated than ever. Between credit cards, subscriptions, payment apps, online shopping, and busy family schedules, it makes sense that things can feel messy. The solution is not shame. It is clarity, organization, and a system that supports your actual life.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 Connect with [GUEST GOES HERE]: Check out Peggy here! 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.

  2. 4 dgn geleden

    Why Cash Envelopes Didn’t Work for Her and the Simple Budget System That Did | 593

    Curious? Take The Free Money Stress Quiz! Ready? Buy Our Simplified Budget System Now! Budget besties, today we’re talking about one of the least exciting—but most important—parts of budgeting: annual bills. Mary joined us to talk through a common sticking point. She had already automated her money, separated her spending accounts, and created savings buckets, but she still felt unsure about how much to save for expenses that only show up a few times a year. You know the ones: car registration, property taxes, memberships, quarterly bills, insurance premiums, and all those other “expected unexpected” expenses that somehow still manage to surprise us. In this episode, we help Mary simplify her system, separate annual bills from regular maintenance expenses, and create a plan that reduces stress without requiring her to constantly move money around. 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.

  3. 6 dgn geleden

    How to Set Up Your Money Now So You Don’t Feel Broke at Christmas | Reair: Shine Podcast with Shanna Star | 592

    Curious? Watch Our Money Makeover Bootcamp! Ready? Buy Our Simplified Budget System Now! What if budgeting felt less like restriction and more like finally knowing what your money is doing? In this episode, we’re sharing a conversation that was too good to keep to ourselves. We talk about how putting all your numbers on one page can help you move from money anxiety to clarity, confidence, and a plan that actually fits your real life. We break down why so many people do not have an overspending problem—they have a disorganization problem. When your income, bills, debt, spending, and savings are all mixed together, it is easy to feel like your money disappears. But once you separate those categories and give every dollar a clear job, the drama starts to quiet down. We also talk about creating a budget system that works with your hands, your bank accounts, and your everyday life. That means fewer complicated charts, less constant tracking, and more automation. Your bills can live in one account, your spending in another, and your savings can be organized into separate goals so you can see your progress without wondering where everything went. Budget besties, this episode is also a reminder to celebrate what your money has already done for you. Maybe it paid for private school, sports, travel, generosity, family experiences, or a season when you simply kept everything afloat. That matters. Your money is not only leaving—it is helping you build a life. We also get into realistic budgeting, why extreme cuts usually backfire, and how to create a plan based on what is actually happening before deciding what needs to change. A sustainable budget should include fun, flexibility, and room for real life. Plus, we talk about dreaming with your spouse, sharing the mental load of money, using separate accounts as digital envelopes, and building systems that help your goals happen automatically. 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 Connect with Shanna: Apple Podcast 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.

  4. 13 jul

    Why Dave Ramsey's Baby Steps Don't Work For Everyone | 591

    Curious? Take The Free Money Stress Quiz! Ready? Buy Our Simplified Budget System Now! We love Dave Ramsey and the Baby Steps—but after years of coaching, we kept seeing the same missing piece: people were told what to do without being shown how to build a budget that works in real life. In this episode, we’re breaking down why the “scorched earth” approach can leave budget besties feeling overwhelmed, paralyzed, and like they’ve failed. We share how a personalized budget can help you pay off debt, build wealth, enjoy your life, and still keep the pumpkin spice lattes. You’ll also learn why separating bills from spending, creating digital savings buckets, and choosing a debt strategy based on your actual goals can make budgeting feel simpler, clearer, and much more doable. 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.

  5. 10 jul

    How to Budget as a Couple (Without Fighting About Spending) | 590

    Curious? Take The Free Money Stress Quiz! Ready? Buy Our Simplified Budget System Now! Budget besties, this one is such a relatable money conversation for couples. In this coaching-style episode, Shana and Vanessa talk with Jennifer and Brandon about setting up their budget system, figuring out checking accounts vs. savings buckets, and working through the classic “is this a personal expense or a family expense?” debate. From hair appointments and supplements to kids’ expenses, Christmas, vehicle maintenance, and inconsistent income, this episode breaks down how to stop treating the budget like a tug-of-war and start treating it like a team plan. Because the goal is not to cut out everything that makes life better. The goal is to put real life in the budget 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.

  6. 8 jul

    Business Budgeting for Irregular Income + How To Use Savings in a Slow Month | Lessons from the Sessions | 589

    Curious? Take The Free Money Stress Quiz! Ready? Buy Our Simplified Budget System Now! Budget besties, sometimes the budget just does not math the way we want it to. In this episode, Shana and Vanessa talk through what happens when personal and business budgets are connected, income is fluctuating, and the month is coming up short. Instead of making tiny stressful transfers from savings all month long, they walk through why it can be more helpful to make one intentional transfer, close the budget gap, and move forward with clarity. They also dig into business budgets, especially for owners with seasonal or inconsistent income. We talk about saving during higher-income months, funding savings buckets, preparing for upcoming expenses, and yes, even building in profit and bonuses. Because budgeting is not just about bills, debt, and taxes. It is also about peace, breathing room, and giving yourself permission to build something that actually works for real life. 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.

  7. 6 jul

    Debt Payoff Basics: How to Pay Off Debt and Stop Using Credit Cards Without Shame or Living on Beans and Rice | 588

    Watch Our Debt Payoff Workshop! Budget besties, today we’re talking about debt in a way that does not involve shame, panic, or living on beans and rice forever. Because listen: you are not bad with money. You were probably just never taught how to make a clear plan. In this episode, Shana and Vanessa walk through the real first steps of paying off debt: knowing your numbers, building a budget that actually works, and choosing a payoff method that fits your real life. We’re also talking about why debt can feel so heavy, how to stop making random extra payments that may not be helping, and why a personalized debt payoff strategy beats a one-size-fits-all plan every time. The big reminder? Debt payoff is not about giving up everything you love. You can still have fun money, savings buckets, and a life while making serious progress. That is the whole point of being bougie on a budget. 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.

  8. 3 jul

    How Two Teachers Paid Off Debt and Cash-Flowed Disney Vacation | 587

    Curious? Take The Free Money Stress Quiz! Ready? Buy Our Simplified Budget System Now! Budget besties, this episode is such a fun one because we’re chatting with Julie, one of Vanessa’s private coaching clients and basically the gold-star student of budgeting. Julie and her husband are both teachers, and before coaching, they were stuck in that cycle so many of us know too well: swipe the credit card, pay it off, swipe again, repeat. Once Julie started using the budget system and working with Vanessa, everything started to shift. She paid off credit card debt, cash-flowed Disney and Universal trips, planned for her husband’s season tickets, created super-specific savings buckets, and helped her boys start learning how to manage their own spending money. This conversation is such a good reminder that budgeting is not about restriction. It’s about putting our real life on paper so we can do the things we love without constantly feeling behind. 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.

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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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