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. 1d ago

    How She Saved $1,000 Every 6 Months and Put It Toward Debt | 586

    Curious? Take The Free Money Stress Quiz! Ready? Buy Our Simplified Budget System Now! Budget besties, this episode is such a good reminder that the little “I’ll deal with it later” money tasks can turn into big wins when we finally give them attention. Shana, Vanessa, and Coach Michelle are talking about two real-life Office Hours wins: one woman who saved $1,000 by re-quoting her auto insurance and paying annually, and another who created a plan for helping family financially without letting it derail her own budget. Because here’s the thing: bills creep up, life happens, and generous hearts still need a budget. When we get everything listed out, create the right savings buckets, and make intentional decisions, we get to support our people and our own goals without the stress spiral. 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.

    15 min

  2. 3d ago

    She Wants to Quit Her Job, but Feels Guilty Because They’re Paying Off Debt | 585

    Curious? Take The Free Money Stress Quiz! Ready? Buy Our Simplified Budget System Now! It’s time for another Q&A session, and we’re answering real questions from our budget besties! In this episode, Shana and Vanessa talk through two big money-life situations: how to set up automatic transfers when you get paid on the 15th and the last day of the month, and how to know when it may be time to let go of a job while paying off debt, going to school, and trying to protect your mental health. Because here’s the thing: budgeting is not just about numbers. It’s about creating a life that actually works for you. 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.

    14 min

  3. 6d ago

    Your Credit Card Isn’t a Budget: The Simple System to Stop Mindless Spending (Without Tracking Every Dollar) | 584

    Curious? Take The Free Money Stress Quiz! Ready? Buy Our Simplified Budget System Now! Katrina is doing a lot right. She paid off over $100,000 in student loans, has no credit card debt, owns a home, has a full year of living expenses saved, and is investing for the future. But even with all that financial responsibility, she still feels like her everyday money system could be clearer. In this episode, Shana and Vanessa help Katrina untangle the difference between being “good with money” and having a budget that actually makes life easier. We talk about why credit cards can make spending feel mysterious, how separate checking accounts can simplify bills and daily spending, and why savings buckets are the key to planning for things like travel, car repairs, hormones, Christmas, singing lessons, and all the real-life stuff that pops up. This one is for every budget bestie who is responsible, hardworking, and still thinking, “Okay…but can someone just tell me what to do?” 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

  4. Jun 24

    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

  5. Jun 22

    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

  6. Jun 19

    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

  7. 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

  8. 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
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4.6
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310 Ratings

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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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