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. HACE 11 H

    How to Stop Living Paycheck to Paycheck as Two Spenders (and Still Buy a House) | 474

    Snag Our Simplified Budget System! In this heartfelt episode of Financial Coaching for Women, we’re joined by Kayden — a former coaching client whose story will remind you that it’s never too late to turn financial frustration into freedom. Kayden and her husband went from constant miscommunication and missed payments to budgeting as a team, buying a home, and cash-flowing their life — even after a massive income cut. Her journey shows that progress isn’t about perfection; it’s about persistence, communication, and trusting the process. If you’ve ever felt like you “make good money but have nothing to show for it,” this one’s for you. 💡 How Kayden went from “making good money with nothing to show for it” to paying every bill on time 🏠 How she and her husband bought a house while learning to budget together 💬 The mindset shifts that helped her improve communication with her spouse — even when he wasn’t in coaching 💳 How she tackled confusing student loans, renegotiated payoffs, and started cash-flowing expenses 🪣 Why starting small with savings buckets and guilt-free spending changed everything 📉 What to do when your income gets cut in half (and how to rebuild without panic) 🙌 The power of accountability, persistence, and coaching — even when life gets messy 🧭 What You’ll Learn in This Episode Connect With Us:  1️⃣ Facebook Group – Join the community. Our free group is where the real talk happens. Connect with other women who are learning how to budget, save, and finally feel in control, together. ➡︎ budgetbesties.com/facebook  2️⃣ Automate Your Budget Masterclass – Watch it now, no waiting. This FREE on-demand training shows you how to set up a budget that matches your lifestyle, without tracking every dollar or feeling restricted. ➡︎ budgetbesties.com/automate  3️⃣ Budget – Grab our Simplified Budget System! You don’t need another budget, you need a system that does the math, makes the plan, and gives you permission to spend. ➡︎ budgetbesties.com/budget  4️⃣ Private 1-on-1 Coaching – Get a plan and a coach. We’ll build your full budget system together, so you always know what to do and feel confident doing it. ➡︎ budgetbesties.com/coaching  5️⃣ Be on the Podcast – Free coaching, real convo. Come chat with us on the show! Get real-time financial coaching and help other women by sharing your story. ➡︎ budgetbesties.com/livecall  "I love Shana & Vanessa and this podcast is amazing!" 👈🏻 If that sounds like you… ✨ Please take a second to rate & review the show! It helps us reach more people—just like you—who are ready to change their financial future. 🔔 Don’t forget to follow so you never miss an episode! 💌 And if you're feeling extra generous, share this podcast with a friend who needs it. We’d be so honored. 🙌 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!

    28 min

  2. HACE 2 DÍAS

    Lessons from the Sessions: Stop Paying Bills Through PayPal (and Other Budgeting Mistakes You Don’t Know You're Making) | 473

    Snag Our Simplified Budget System! Today we’re bringing you real-life stories and real lessons straight from our private coaching sessions. If our clients are struggling with it, chances are you are too. We’re breaking down the mistakes we see most often, how to fix them, and how to set yourself up for easy, stress-free money wins. In this episode, we’re talking about two of the biggest budget busters we see: 1️⃣ Overcomplicating your money system with third-party apps like PayPal and Apple Pay. 2️⃣ Losing track of your true numbers — like your real minimum payments — and making your budget harder than it needs to be. These stories will help you see how small tweaks can completely change how confident and in control you feel with your money. Connect With Us:  1️⃣ Facebook Group – Join the community. Our free group is where the real talk happens. Connect with other women who are learning how to budget, save, and finally feel in control, together. ➡︎ budgetbesties.com/facebook  2️⃣ Automate Your Budget Masterclass – Watch it now, no waiting. This FREE on-demand training shows you how to set up a budget that matches your lifestyle, without tracking every dollar or feeling restricted. ➡︎ budgetbesties.com/automate  3️⃣ Budget – Grab our Simplified Budget System! You don’t need another budget, you need a system that does the math, makes the plan, and gives you permission to spend. ➡︎ budgetbesties.com/budget  4️⃣ Private 1-on-1 Coaching – Get a plan and a coach. We’ll build your full budget system together, so you always know what to do and feel confident doing it. ➡︎ budgetbesties.com/coaching  5️⃣ Be on the Podcast – Free coaching, real convo. Come chat with us on the show! Get real-time financial coaching and help other women by sharing your story. ➡︎ budgetbesties.com/livecall  "I love Shana & Vanessa and this podcast is amazing!" 👈🏻 If that sounds like you… ✨ Please take a second to rate & review the show! It helps us reach more people—just like you—who are ready to change their financial future. 🔔 Don’t forget to follow so you never miss an episode! 💌 And if you're feeling extra generous, share this podcast with a friend who needs it. We’d be so honored. 🙌 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!

    11 min

  3. HACE 4 DÍAS

    How to Budget for Things That Don’t Happen Every Month (Unexpected / SurpriseExpenses) | 472

    Snag Our Simplified Budget System! Most people say their budgets get blown by “surprise” expenses — but let’s be real: Christmas isn’t a surprise. New tires? Not a surprise. Your dog’s annual vet visit? Definitely not a surprise. These are expected expenses that just don’t happen every month. In this episode, we’re tackling how to stop the rollercoaster of “I was fine last month, now I’m swiping the credit card.” The solution? Savings buckets. When you create separate savings accounts for predictable but irregular expenses, you save today to avoid borrowing tomorrow. Why most “surprise” expenses aren’t really surprises How savings buckets can bring stability to your monthly budget The exact steps to set up your own buckets Real-life stories from clients who’ve transformed their finances using this method 💡 What You’ll Learn Connect With Us:  1️⃣ Facebook Group – Join the community. Our free group is where the real talk happens. Connect with other women who are learning how to budget, save, and finally feel in control, together. ➡︎ budgetbesties.com/facebook  2️⃣ Automate Your Budget Masterclass – Watch it now, no waiting. This FREE on-demand training shows you how to set up a budget that matches your lifestyle, without tracking every dollar or feeling restricted. ➡︎ budgetbesties.com/automate  3️⃣ Budget – Grab our Simplified Budget System! You don’t need another budget, you need a system that does the math, makes the plan, and gives you permission to spend. ➡︎ budgetbesties.com/budget  4️⃣ Private 1-on-1 Coaching – Get a plan and a coach. We’ll build your full budget system together, so you always know what to do and feel confident doing it. ➡︎ budgetbesties.com/coaching  5️⃣ Be on the Podcast – Free coaching, real convo. Come chat with us on the show! Get real-time financial coaching and help other women by sharing your story. ➡︎ budgetbesties.com/livecall  "I love Shana & Vanessa and this podcast is amazing!" 👈🏻 If that sounds like you… ✨ Please take a second to rate & review the show! It helps us reach more people—just like you—who are ready to change their financial future. 🔔 Don’t forget to follow so you never miss an episode! 💌 And if you're feeling extra generous, share this podcast with a friend who needs it. We’d be so honored. 🙌 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!

    14 min

  4. 10 OCT · CONTENIDO EXTRA

    BONUS: All About Our Budget System

    Get Our Simplified Budget System! Quick Friday pop-in! If you make good money but have nothing to show for it, we walk through our simple, one-page budget system that actually matches how you live. You’ll learn the 5 money categories, how a separate Bills Account puts payments on autopilot, why separate spending cards end the guilt/fights, and how named savings buckets plus a clear debt plan tell you exactly what to do each payday—no expense logging required. Real client wins, practical steps, and a calmer way to pay bills, kill debt, and still enjoy life. 💸✨ 00:00 – Introduction: Why You Need a Budget System for Financial Success 00:23 – Common Budgeting Mistakes: Why Tracking Expenses Isn’t Enough 01:07 – The Overwhelm of Money Management and How to Fix It 01:29 – The Five Simple Budget Categories for Real-Life Spending 02:43 – How Our Editable Budget System Works (and Why It’s Different) 04:11 – Powerful Tools: Savings Tracker, Debt Payoff, and Asset Management 05:38 – Real User Testimonials: Transforming Finances with Our Budget System 07:18 – The Power of Knowing Your Numbers: Net Worth, Debt, and Savings 08:34 – Automating Your Bills and Achieving Financial Organization 10:03 – Final Thoughts: Take Control of Your Money with the Best Budget System Client Wins We Read On Air Tammy: “6 months in—buckets growing, bills dropping, husband’s on board.” Rebecca: “Finally seeing my money clearly. Planned debt payoff + categorized savings = game changer.” Barbara: “Paid off 7 cards. Use cash for almost everything. No more checking the account before buying gas.” Lindsay: “Less stress. No guilt. Separate spending accounts = harmony.” Jess: “Net worth rising is my new favorite hobby.” Kathleen: “Went from $1,000 over each month to finally breaking the paycheck-to-paycheck cycle.” Lori: “Autopaid bills from a designated account = zero stress.” Amanda: “Bird’s-eye month + Paycheck Plan replaced my old tracker. So much clearer.” Melissa: “It does the math. I actually have more money than I thought.” Sheena & Becky: “Whole-picture clarity → car paid off, long-term goals funded.”

    17 min

  5. 10 OCT

    How to Stop Business Travel from Blowing Up Your Family Budget or Using Credit Cards | 471

    Snag Our Simplified Budget System! Ever feel like your work life and home budget are in a tug-of-war? Same, bestie — and you’re not alone. This week, we sat down with Stephanie, a law professor who’s been making huge moves with her money using our budget system. But like many of us, she hit a snag when it came to business travel. Stephanie’s story is a masterclass in navigating: Work reimbursements that take months Whether credit cards are ever worth it (spoiler: rarely, but sometimes!) How to separate personal and professional expenses without losing your mind (or your receipts) Setting up a system that actually works — especially when math isn’t your thing We cover:✔️ Pre-funding business trips✔️ Why a separate bank account is a game-changer✔️ How to track expenses without burning out✔️ What to do about credit card perks like car rental insurance or international fees✔️ And why setting a weekly “receipt party” on your calendar might be your new best friend Stephanie also shares how budgeting is now a whole family thing — from planning for Christmas (without the chaos) to giving her kids their own savings accounts (and real-time money lessons 💪). Whether you're a working parent, frequent traveler, or just tired of the budget rollercoaster — this episode is packed with smart, doable strategies to help you stay on track and feel in control. Connect With Us:  1️⃣ Facebook Group – Join the community. Our free group is where the real talk happens. Connect with other women who are learning how to budget, save, and finally feel in control, together. ➡︎ budgetbesties.com/facebook  2️⃣ Automate Your Budget Masterclass – Watch it now, no waiting. This FREE on-demand training shows you how to set up a budget that matches your lifestyle, without tracking every dollar or feeling restricted. ➡︎ budgetbesties.com/automate  3️⃣ Budget – Grab our Simplified Budget System! You don’t need another budget, you need a system that does the math, makes the plan, and gives you permission to spend. ➡︎ budgetbesties.com/budget  4️⃣ Private 1-on-1 Coaching – Get a plan and a coach. We’ll build your full budget system together, so you always know what to do and feel confident doing it. ➡︎ budgetbesties.com/coaching  5️⃣ Be on the Podcast – Free coaching, real convo. Come chat with us on the show! Get real-time financial coaching and help other women by sharing your story. ➡︎ budgetbesties.com/livecall  "I love Shana & Vanessa and this podcast is amazing!" 👈🏻 If that sounds like you… ✨ Please take a second to rate & review the show! It helps us reach more people—just like you—who are ready to change their financial future. 🔔 Don’t forget to follow so you never miss an episode! 💌 And if you're feeling extra generous, share this podcast with a friend who needs it. We’d be so honored. 🙌 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!

    19 min

  6. 8 OCT

    Whole Life Insurance: Should I Cancel It and Switch to Term Life? | 470

    Snag Our Simplified Budget System! Today’s episode is ripped straight from real coaching convos with our clients — because if they’re dealing with it, chances are you are too. We’re talking about a common money trap that shows up in more budgets than you’d think: whole life insurance. Spoiler alert: It’s not a good investment.Not when you’re paying hundreds a month, not seeing any return, and living outside your means just to keep it going. We break down: Why whole life insurance is rarely worth it (especially when your budget is tight) The difference between whole life and term life insurance What to do if you’ve already been paying into a whole life policy How to reorder your financial steps so you can actually build wealth (on your own terms) We’re all about helping you avoid costly mistakes, feel seen, and walk away with quick wins. So whether you're paying $473/month into a policy that’s draining you or wondering if your “life insurance” line item is doing anything for you — this one's for you. Remember: we want you to save, invest, and protect your family on purpose — and in the right order. Let’s get that money back in your budget and get you back in control. Connect With Us:  1️⃣ Facebook Group – Join the community. Our free group is where the real talk happens. Connect with other women who are learning how to budget, save, and finally feel in control, together. ➡︎ budgetbesties.com/facebook  2️⃣ Automate Your Budget Masterclass – Watch it now, no waiting. This FREE on-demand training shows you how to set up a budget that matches your lifestyle, without tracking every dollar or feeling restricted. ➡︎ budgetbesties.com/automate  3️⃣ Budget – Grab our Simplified Budget System! You don’t need another budget, you need a system that does the math, makes the plan, and gives you permission to spend. ➡︎ budgetbesties.com/budget  4️⃣ Private 1-on-1 Coaching – Get a plan and a coach. We’ll build your full budget system together, so you always know what to do and feel confident doing it. ➡︎ budgetbesties.com/coaching  5️⃣ Be on the Podcast – Free coaching, real convo. Come chat with us on the show! Get real-time financial coaching and help other women by sharing your story. ➡︎ budgetbesties.com/livecall  "I love Shana & Vanessa and this podcast is amazing!" 👈🏻 If that sounds like you… ✨ Please take a second to rate & review the show! It helps us reach more people—just like you—who are ready to change their financial future. 🔔 Don’t forget to follow so you never miss an episode! 💌 And if you're feeling extra generous, share this podcast with a friend who needs it. We’d be so honored. 🙌 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!

    11 min

  7. 6 OCT

    Money Disappears Too Fast After Payday? Try This Simple Spending Budget Plan | 469

    Snag Our Simplified Budget System! Hey budget besties! Today we’re cleaning out that messy “junk drawer” bank account and giving your money actual homes. If everything’s been tangled together—paychecks in, bills out, Target runs, Starbucks, gas, kids’ surprises—no wonder it feels like your money’s disappearing. We’ve got you. 💛 Why one catch-all account = chaos (hi, stress 👋🏽) The Lisa story (aka how pedicure money turns into cupcakes, milkshakes, gas, and laundry pods) The simplest way to create freedom to spend without tracking every transaction How to use digital envelopes with four separate debit accounts: Gas & Groceries Restaurants Personal/Fun Money Kids How this step pairs with the V-System so bills get paid first, spending lives separately, and guilt goes bye! Connect With Us:  1️⃣ Facebook Group – Join the community. Our free group is where the real talk happens. Connect with other women who are learning how to budget, save, and finally feel in control, together. ➡︎ budgetbesties.com/facebook  2️⃣ Automate Your Budget Masterclass – Watch it now, no waiting. This FREE on-demand training shows you how to set up a budget that matches your lifestyle, without tracking every dollar or feeling restricted. ➡︎ budgetbesties.com/automate  3️⃣ Budget – Grab our Simplified Budget System! You don’t need another budget, you need a system that does the math, makes the plan, and gives you permission to spend. ➡︎ budgetbesties.com/budget  4️⃣ Private 1-on-1 Coaching – Get a plan and a coach. We’ll build your full budget system together, so you always know what to do and feel confident doing it. ➡︎ budgetbesties.com/coaching  5️⃣ Be on the Podcast – Free coaching, real convo. Come chat with us on the show! Get real-time financial coaching and help other women by sharing your story. ➡︎ budgetbesties.com/livecall  "I love Shana & Vanessa and this podcast is amazing!" 👈🏻 If that sounds like you… ✨ Please take a second to rate & review the show! It helps us reach more people—just like you—who are ready to change their financial future. 🔔 Don’t forget to follow so you never miss an episode! 💌 And if you're feeling extra generous, share this podcast with a friend who needs it. We’d be so honored. 🙌 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!

    12 min

  8. 3 OCT

    The Art of Delegation: Why Letting Go is the Key to Growth, Freedom, and More Time with Ral West | 468

    Check Out Ral's Mastermind Program! We’re chatting with our friend Ral West, a powerhouse entrepreneur who’s all about building a business that serves your life, not the other way around. Ral’s got 40+ years of experience, has built and sold a wildly successful company, and now teaches business owners how to get their time, health, and freedom back. Let’s just say… she’s walking the walk — 52 podcast interviews, a course, a mastermind, and a month-long vacation on the books. 👏🏽 In This Episode, We Cover: The real cost of letting your business run your life How to systematize, automate, and delegate (without micromanaging!) The art of effective delegation — and why most people are doing it wrong Why your business should support your dream life, not suck it dry The 6 foundational principles RA teaches to help business owners scale and enjoy life The connection between financial clarity, boundaries, and building a sustainable business “If it doesn’t fit into my dream life vision — I don’t do it.” – Ral West 🙌🏾 We also had a total alignment moment around budgeting! Because y’all know we’re big fans of automation, delegation, and systems — whether you’re managing your business or your money. 💸 So if you’re out here trying to do it all yourself (in your business, at home, or with your money), this is your sign to pause, reset, and start building systems that actually support your life. Connect With Us:  1️⃣ Facebook Group – Join the community. Our free group is where the real talk happens. Connect with other women who are learning how to budget, save, and finally feel in control, together. ➡︎ budgetbesties.com/facebook  2️⃣ Automate Your Budget Masterclass – Watch it now, no waiting. This FREE on-demand training shows you how to set up a budget that matches your lifestyle, without tracking every dollar or feeling restricted. ➡︎ budgetbesties.com/automate  3️⃣ Budget – Grab our Simplified Budget System! You don’t need another budget, you need a system that does the math, makes the plan, and gives you permission to spend. ➡︎ budgetbesties.com/budget  4️⃣ Private 1-on-1 Coaching – Get a plan and a coach. We’ll build your full budget system together, so you always know what to do and feel confident doing it. ➡︎ budgetbesties.com/coaching  5️⃣ Be on the Podcast – Free coaching, real convo. Come chat with us on the show! Get real-time financial coaching and help other women by sharing your story. ➡︎ budgetbesties.com/livecall  "I love Shana & Vanessa and this podcast is amazing!" 👈🏻 If that sounds like you… ✨ Please take a second to rate & review the show! It helps us reach more people—just like you—who are ready to change their financial future. 🔔 Don’t forget to follow so you never miss an episode! 💌 And if you're feeling extra generous, share this podcast with a friend who needs it. We’d be so honored. 🙌 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!

    23 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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