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 day ago

    Should You Cancel Whole Life Insurance? + How to Budget Irregular Income | 610

    Curious? Take The Free Money Stress Quiz! Ready? Buy Our Simplified Budget System Now! Budget besties, this episode is all about taking charge of your money instead of letting someone else—or a chaotic system—make the decisions for you. We’re sharing two real-life lessons from our coaching sessions that show just how powerful it can be to ask questions, understand the numbers, and create financial systems that actually work for your life. First, we’re talking about a couple who had both whole life and term life insurance, including a whole life policy purchased through a family member. After digging into the details, they realized the policy hadn’t been handled the way they thought it had—and at the same time, they were carrying massive credit card balances with interest rates around 28–29%. The numbers weren’t working in their favor. After asking more questions and making their own decision, they pulled approximately $28,000 from the whole life policy and used it to knock out almost an entire high-interest credit card balance. The bigger lesson? We cannot outsource understanding our money. Even when we’re working with an expert—or someone we love—we still need to know where our money is going, why we’re making certain decisions, and whether those decisions are actually helping us move forward. Then we’re talking about irregular income. One of our clients is a nurse with business income that changes from paycheck to paycheck. She was getting paid different amounts, transferring different amounts to herself, and dealing with bills that were heavily concentrated at the beginning of the month. It felt chaotic—but irregular income doesn’t have to mean an irregular financial life. We can create systems around 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.

  2. 3 days ago

    Build Your September Budget With Us: Step-by-Step Monthly Budget Walkthrough | 609

    Curious? Take The Free Money Stress Quiz! Ready? Buy Our Simplified Budget System Now! Budget besties, grab the pumpkin spice latte because September is almost here—and we are NOT bringing August’s hot mess energy with us. 😂 In this episode, we’re walking through exactly how to build your September budget, category by category, so you know what’s happening with your money before the month gets going. First things first: close out August. Go back and make sure your budget reflects what actually happened. Maybe a bill got pushed into September. Maybe something you hoped could wait absolutely could not. Maybe August just came with tuition, braces, back-to-school expenses, and approximately 900 other things. Update it all, check your accounts, and get those numbers right before moving forward. Then it’s time to build September. 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 days ago

    Why Credit Card Debt Feels So Scary and the Budget Plan That Helps You Breathe Again | 608

    Curious? Take The Free Money Stress Quiz! Ready? Buy Our Simplified Budget System Now! 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.

  4. 19 Aug

    Make Good Money but Keep Overspending? How to Budget Without Feeling Restricted | Reair: The Crazy Ex-Wife’s Club with Erica Bennett | 607

    Curious? Watch Our Money Makeover Bootcamp! Ready? Buy Our Simplified Budget System Now! Budget besties, budgeting does not have to mean cutting out everything you love, tracking every penny, or feeling guilty every time you spend money. In this conversation, Shana and Vanessa break down a simpler way to manage your money—one that gives every dollar a purpose while still leaving room for the things that make life fun. We’re talking data over drama, digital envelopes, automatic transfers, guilt-free spending money, and becoming the CFO of your own finances. One of the biggest mindset shifts? What looks like an overspending problem can actually be an organization problem. When bills, groceries, Amazon orders, eating out, savings, and everything else are coming from one giant account, it’s incredibly difficult to know what you can actually afford. Separating your money gives you built-in guardrails without making your budget feel restrictive. 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 Erica: Check out her 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.

  5. 17 Aug

    How Much Does Senior Year Cost? A Budget Guide for Parents of High School Seniors | 606

    Grab Our Senior Year Money Guide Here. Ready? Buy Our Simplified Budget System Now! Senior year is exciting, emotional…and apparently full of expenses nobody warned us about. 😅 In this episode, Shana and Vanessa sit down with listener and fellow senior mom Robyn to talk about what it really costs to have a high school senior. Robyn walks us through the expenses that surprised her most — from senior pictures and outfits to graduation gifts, parties, college applications, technology, senior trips, and all those little “senior moments” that add up fast. The biggest takeaway? We do not have to say yes to every expense to make senior year special. Robyn estimates that her family spent around $4,000 throughout senior year, but your number could be completely different. The goal isn’t to copy someone else’s senior-year budget. It’s to decide what matters to your family, make a plan, and start saving before those expenses start showing up. We also talk about giving our kids their own spending limits for things like dances, pictures, clothes, hair, nails, and extras. Sometimes the quickest way for a teenager to decide they don’t actually need something is to tell them they’ll need to use their own money. 😂 And budget besties, some of the sweetest memories cost almost nothing. Sleepovers, senior sunrise, floating the river, breakfast with friends, and simply giving our kids a little more freedom can end up being the moments they remember most. 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. 14 Aug

    How to Budget With Multiple Bank Accounts | 605

    Curious? Take The Free Money Stress Quiz! Ready? Buy Our Simplified Budget System Now! Budget besties, have you ever looked at your budget and thought, “Wait… it says I have money left over, so where is it?!” That’s exactly what Melissa brought to this live coaching call. On paper, her budget showed more than $2,000 of “extra” money each month—but in real life, that money was nowhere to be found. In this episode, we walk through why that disconnect happens and uncover one of the biggest culprits: spending directly from the bills account. Melissa had already made some great progress. She had a separate account for gas and groceries, had automated many of her bills, and was working toward getting a paycheck ahead. But because everyday purchases were still sneaking out of the bills account, her budget couldn’t accurately tell her what was truly available. We talk about why separating your money into intentional accounts can create so much clarity. Your bills money has one job. Your spending money has another. And when those two stop mixing together, you don’t have to constantly track every transaction or wonder whether the money sitting in your account is actually safe to spend. We also dig into the “messy middle” of switching banks. Melissa’s current credit union limits the number of accounts she can have, and changing direct deposits and automatic payments feels like a lot. We explain how to break the process into manageable steps, starting with the most important one: separate the spending first. Then we tackle irregular-looking paydays. Melissa and her husband have multiple paychecks hitting throughout the month, which can make transfers feel confusing. But instead of changing spending based on which paycheck happens to arrive, we show her how to budget monthly and choose a consistent transfer schedule. If you budget $1,000 for spending each month and want to fund it twice a month, that can simply become two $500 transfers. The goal is to stop reinventing the plan every payday. We also talk about getting your spouse on board without turning every purchase into a conversation. Giving each person their own spending account creates built-in guardrails and freedom. Your partner knows exactly which card to use, how much is available, and can spend from that account without accidentally dipping into bill money. And because Melissa recently started a business, we cover one more important boundary: business money needs its own space too. Even if you’re brand new, separating business expenses from personal finances can make everything easier to understand as you grow. 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. 12 Aug

    Budgeting for Pets + When It’s Okay to Pause Debt Payoff (Including HELOC debt) | Lessons from the Sessions | 604

    Curious? Take The Free Money Stress Quiz! Ready? Buy Our Simplified Budget System Now! Budget besties, sometimes budgeting is less about following the “perfect” financial plan and more about making your money work for the actual life you’re living. In this episode, we’re talking through two real-life coaching situations that show exactly what that can look like. First up: pets. And not just one cute little pet with an occasional bag of food—we’re talking multiple animals, grooming appointments, vet visits, specialty food, emergencies, and an annual pet budget that can easily hit five figures. When one savings bucket starts feeling like its own mini economy, it might be time to give it its own checking account. We break down why creating a separate account for a large or complicated expense category can make budgeting so much easier. Instead of constantly transferring money back and forth, you can fund the account each month and let those expenses come directly from it. Less mental math. Less account juggling. More clarity. Then we get into HELOCs. One of Vanessa’s clients had already paid off her credit card debt, had her savings buckets dialed in, and was doing an amazing job planning ahead—but she still had a large HELOC. The question became: Does she need to attack that debt immediately, or can she choose to focus on other priorities right now? That leads us into a bigger conversation about fake financial urgency. Sometimes we feel like we should pay something off faster because that’s what we’ve heard we’re supposed to do. But your budget doesn’t have to be built around someone else’s priorities. We talk about looking at the actual numbers—interest rates, whether the debt is fixed or variable, and how it fits into your bigger financial picture—while also asking a very important question: What actually matters to you right now? Because paying off debt is important, but so is building a budget that keeps you from going back into debt. Saving for future cars, kids, travel, pets, and everything else coming your way matters too. And yes, we also explain why a HELOC can be a little bit like keeping Oreos in the house. Sometimes the easiest way to avoid constantly taking “just a little more” is to recognize how tempting easy access can be in the first place. 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. 10 Aug

    7 Things You Can Do in 5 Minutes to Save Money in Your Budget Today | 603

    Curious? Take The Free Money Stress Quiz! Ready? Buy Our Simplified Budget System Now! 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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