213 episodes

***TOP 1.5% 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.

Financial Coaching for Women: How To Budget, Manage Money, Pay Off Debt, Save Money, Paycheck Plans Ideal Balance | Vanessa & Shana | Christian Financial Coaches | Dave Ramsey Fans

    • Education
    • 4.9 • 143 Ratings

***TOP 1.5% 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.

    213 | Beyond Paycheck to Paycheck: Stories of Budget Success & Debt Payoff Strategies

    213 | Beyond Paycheck to Paycheck: Stories of Budget Success & Debt Payoff Strategies

    Snag Our Signature Budget Template!

    In this heartfelt episode, we journey through the lives of individuals and families who've transformed their financial landscapes. By embracing budgeting, tackling debt, and shifting their money mindsets, our clients have moved from living paycheck to paycheck to creating pathways toward generational wealth. With a sprinkle of wisdom from financial gurus like Dave Ramsey and our unique approach, we delve into stories of resilience, support, and financial breakthroughs.

    Client Stories Highlighted:

    - The Big Decision Maker: Learn how one client went from indecision and financial stress to taking a bold step that not only paid off debt but also brought peace and clarity to their financial journey. This story underscores the power of budgeting and making informed financial decisions.

    - Embracing Simplicity: Discover how downsizing and simplifying life led to not just significant debt reduction but also a happier, more content lifestyle. This narrative highlights the importance of aligning your spending with your values and the transformative impact of living within your means.

    - From Shame to Game Plan: Hear how one individual overcame the shame of credit card debt with our nonjudgmental support system, leading to a complete overhaul of their money mindset and steps toward building generational wealth.

    - Automating Success: Dive into the story of a client who revolutionized their financial management by automating bill payments and budgeting, proving that small changes can lead to big savings and less reliance on living paycheck to paycheck.

    - The Budget Template Triumph: A tale of how our simple yet effective budget template empowered a family to gain control over their finances, reduce credit card usage, and set a foundation for generational wealth—all through the lens of accountability and a solid support system.

    - Generational Shifts: Witness the journey of a client who broke free from the cycle of living paycheck to paycheck to establish a legacy of financial stability and generational wealth for their family, inspired by principles from Dave Ramsey and tailored advice from us.

    Why This Episode Is a Must-Listen:

    - Relatable Solutions: Each story is a testament to the challenges and triumphs of real people facing everyday financial dilemmas.

    - Actionable Advice: You'll get practical strategies that can be applied to your own journey towards financial freedom.

    - Supportive Community: We reinforce the importance of having an accountability partner or support system in navigating the complex world of personal finance.

    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.myidealbalance.com/freecall 

    2️⃣ FACEBOOK: Become part of our Supportive Facebook Group. Connect, share, and learn with others mastering their budget skills ➡︎ https://www.myidealbalance.com/facebook 

    3️⃣ BUDGET: Grab our Signature Budget Template! It's your key to organizing and optimizing your finances effectively ➡︎ https://myidealbalance.com/budget 

    4️⃣ COACHING: Ready to dive deep into your finances? Sign up for our 1-on-1 Financial Coaching. It’s the accountability and guidance you need to make real progress ➡︎ https://myidealbalance.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!  


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    • 27 min
    212 | Two Hearts, One Budget: Solutions for Combining Finances & Maximizing Your Money as a Married Couple

    212 | Two Hearts, One Budget: Solutions for Combining Finances & Maximizing Your Money as a Married Couple

    Snag Our Signature Budget Template!

    Ever feel like money matters are the rain on your relationship parade? You're not alone! This episode is all about turning those financial frowns upside down and getting you and your better half on the same page. From budgeting without the bore to spending without the spat, we're diving into ways to make money talks something you'll actually look forward to.

    What We're Unpacking Today:

    - Chatting About Cash Without the Clash: Discover the secret sauce to talking about money without starting World War III in your household. It's all about the approach, folks!

    - Budgeting That Doesn't Suck: Say hello to our lifesaver, the signature budget template. This isn't your grandma's budgeting method. It's a one-stop shop for tracking your cash flow, dreams, and everything in between. Picture this: a lazy Saturday morning, coffee in hand, and setting up a budget that's actually fun. Yes, it's possible!

    - "Me Money" for Harmony: We're big believers in a little "me money." It's like a mini-vacation from your budget. Everyone gets a slice of the pie to spend on whatever makes their heart sing - no side-eye from your spouse.

    - Dreaming Big Together: Ever dream of sipping wine in Portugal or owning a beach house? Let's make those dreams a part of your financial plan. It's all about setting those big, sparkly goals together and making them happen.



    Key Tips to Take Home:

    1. Open the Money Chat: Kick off those fear-of-fighting vibes and start talking money in a chill way.

    2. Personal Pocket Money: Allocate some cash for just-you treats. It's a game-changer.

    3. Dream Team Goals: Brainstorm those wild and wonderful dreams. Then, plot to make them real, together!



    Your Homework:

    Check out myidealbalance.com/budget to grab our budget template and start your journey to financial bliss. Remember, talking money doesn't have to be a drag. Let's make it something you both look forward to, one budget line item at a time. Here's to money talks that lead to more walks... in the sunset, dreaming together.

    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.myidealbalance.com/freecall 

    2️⃣ FACEBOOK: Become part of our Supportive Facebook Group. Connect, share, and learn with others mastering their budget skills ➡︎ https://www.myidealbalance.com/facebook 

    3️⃣ BUDGET: Grab our Signature Budget Template! It's your key to organizing and optimizing your finances effectively ➡︎ https://myidealbalance.com/budget 

    4️⃣ COACHING: Ready to dive deep into your finances? Sign up for our 1-on-1 Financial Coaching. It’s the accountability and guidance you need to make real progress ➡︎ https://myidealbalance.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!  \


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    • 25 min
    211 | Bringing Couples Closer: Unraveling the Financial Tug-of-War in Marriage

    211 | Bringing Couples Closer: Unraveling the Financial Tug-of-War in Marriage

    Snag Our Signature Budget Template!

    In this episode, we delve deep into a common yet often unspoken issue that many couples face: financial friction. This tug-of-war over money can sometimes feel like it's pulling spouses apart rather than bringing them closer together. Our aim is to shed light on the underlying problems causing this tension and offer actionable solutions to turn financial management into a tool for unity in marriage.

    Key Points Discussed:

    1. The Common Struggle: Many couples experience a sense of division when it comes to handling finances. This episode opens up the conversation about the reality that money, instead of being a source of contention, can actually be a catalyst for bringing couples closer.

    2. Identifying the Core Problems:

    - Lack of Trust: Trust issues manifest in various financial behaviors, such as the need to ask for spending permission, separate banking, and the dominance of one partner over financial decisions.

    - Lack of Respect: This is seen when one partner second-guesses the other's financial decisions, leading to a breakdown in communication and mutual respect.

    - Unequal Contributions: Challenges arise when there's a disparity in income but an expectation for equal financial contribution, leading to stress and hidden debt.

    - Communication Breakdown: Not being open about finances, hiding purchases, and not discussing financial desires or fears contribute to marital strain.

    3. Solutions Preview: While the episode focuses on outlining problems, it also teases the upcoming solutions in a mini-series dedicated to money and marriage, emphasizing the importance of getting on the same page financially.

    Join us as we explore how to transform financial management from a source of conflict into a foundation for stronger marital bonds. Whether it's through trusting each other with finances, respecting each other's decisions, aligning on contributions, or improving communication, there's a path forward for every couple facing these challenges.

    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.myidealbalance.com/freecall 

    2️⃣ FACEBOOK: Become part of our Supportive Facebook Group. Connect, share, and learn with others mastering their budget skills ➡︎ https://www.myidealbalance.com/facebook 

    3️⃣ BUDGET: Grab our Signature Budget Template! It's your key to organizing and optimizing your finances effectively ➡︎ https://myidealbalance.com/budget 

    4️⃣ COACHING: Ready to dive deep into your finances? Sign up for our 1-on-1 Financial Coaching. It’s the accountability and guidance you need to make real progress ➡︎ https://myidealbalance.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!  


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    • 38 min
    210 | Budgeting Made Easy: 7 Real-Life Habits That Make Sticking To The Budget Second Nature

    210 | Budgeting Made Easy: 7 Real-Life Habits That Make Sticking To The Budget Second Nature

    Snag Our Signature Budget Template!

    Ever wondered how some people make budgeting seem effortless? In today's episode, we dive into the habits and strategies that have transformed our approach to managing money. By sharing our personal experiences and the practical steps we've taken, we aim to inspire you to adopt these habits for a healthier financial life.

    - Dining Out Strategically: We discuss the importance of planning how often to eat out each month. This simple yet effective strategy can save you a significant amount of money and encourage healthier eating habits.

    - Meal Planning Mastery: Learn how planning your meals can prevent impulsive dining out, especially during busy days filled with activities. We share our personal approach to meal planning, ensuring it's both practical and doable, regardless of your schedule.

    - The Importance of Cash Transactions: Hear about our habit of using cash for certain expenses to maintain control over our spending and avoid unnecessary debt.

    - Automating Bill Payments: We emphasize setting up auto-pay for your bills to avoid late fees and manage your finances more efficiently.

    - Conscious Spending: Before making a purchase, ask yourself if it's truly necessary. We advocate for budgeting for non-urgent expenses in the following month, promoting thoughtful and deliberate spending.

    - Maximizing Wardrobe Lifespan: Get tips on making the most out of your clothes and resisting the urge to buy new ones unnecessarily. This habit not only saves money but also encourages a more sustainable lifestyle.

    - Family Game Nights: Discover how replacing some of your outings with family game nights can create memorable experiences without straining your budget.

    - Thrifty Shopping: We share our love for thrift shopping and how it aligns with our budgeting goals, offering both savings and the thrill of the hunt for great deals.

    By incorporating these habits into your daily life, you can make budgeting feel less like a chore and more like a rewarding journey toward financial freedom. Whether it's through strategic dining out, meal planning, or thrifty shopping, each small habit contributes to a larger goal of financial well-being.

    Remember, the journey to financial freedom is a personal one, and these strategies are meant to be adapted to fit your unique situation. Start with one habit, see the difference, and gradually incorporate more as you progress. Here's to a healthier, happier financial future!

    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.myidealbalance.com/freecall 

    2️⃣ FACEBOOK: Become part of our Supportive Facebook Group. Connect, share, and learn with others mastering their budget skills ➡︎ https://www.myidealbalance.com/facebook 

    3️⃣ BUDGET: Grab our Signature Budget Template! It's your key to organizing and optimizing your finances effectively ➡︎ https://myidealbalance.com/budget 

    4️⃣ COACHING: Ready to dive deep into your finances? Sign up for our 1-on-1 Financial Coaching. It’s the accountability and guidance you need to make real progress ➡︎ https://myidealbalance.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!  


    ---

    Send in a voice message: https://podcasters.spotify.com/pod/show/idealbalance/message

    • 23 min
    209 | Scholarship Secrets for a Debt-Free College Journey with Kara Walker

    209 | Scholarship Secrets for a Debt-Free College Journey with Kara Walker

    Set Up A Scholarship Strategy Session w/ Kara!

    In today's episode, we're thrilled to welcome back Kara, a beacon of inspiration for those navigating the path to college without the burden of student loans. As a 20-something Christian entrepreneur and amateur snowboarder, Kara shares her journey from being a high school student fascinated by personal finance to becoming a pioneer in strategizing a debt-free college education.

    Key Takeaways:

    - Kara's Philosophy: Loans were never an option for Kara. Her approach to financing college was akin to solving a puzzle, using resources like CLEP tests, scholarships, grants, and internships to not only avoid debt but to graduate with savings.

    - A Path Less Traveled: Kara's story is a testament to the possibilities that open up when you view college financing through a lens of resourcefulness and proactive planning. Her strategies included testing out of classes, utilizing community college for lower tuition costs, and capitalizing on various scholarships and grants.

    - The Iceberg of Scholarships: Kara introduces us to the concept of scholarships being like an iceberg, where most opportunities lie below the surface. She emphasizes the importance of digging deeper beyond the initial financial aid award letters and exploring options through high school advisors, community colleges, and external organizations.

    - Scholarships for All Ages: Kara shares that there are scholarship opportunities available even for middle schoolers, highlighting the importance of starting the search early and considering non-traditional paths to funding education.

    - Diverse Scholarship Criteria: Not all scholarships require stellar GPAs or essays. Many are available based on interests, majors, or even the college you plan to attend. Kara's approach involves personalizing the scholarship search to match the individual's unique situation.

    Kara's Tips for Scholarship Success:

    - Explore Beyond the Obvious: Don't stop at the financial aid award letter. Look for scholarships offered by your department, local businesses, and organizations related to your field of study.

    - Record Keeping: Maintain detailed records of all communications and applications. This not only helps in staying organized but can also be crucial in resolving any discrepancies.

    - Seek Professional Guidance: Kara offers personalized scholarship strategy sessions, leveraging her expertise to find opportunities tailored to individual profiles. With her help, students and parents can navigate the scholarship landscape more effectively, potentially unlocking thousands in funding opportunities.

    Connect with Kara:

    Kara's podcast, Money and Mental Peace, provides more insights into financing college without loans. She's offering our listeners a special discount on her scholarship strategy sessions. Use code "CASHFORCOLLEGE" for 15% off and start your journey toward a debt-free college experience.

    --

    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.myidealbalance.com/freecall 

    2️⃣ FACEBOOK: Become part of our Supportive Facebook Group. Connect, share, and learn with others mastering their budget skills ➡︎ https://www.myidealbalance.com/facebook 

    3️⃣ BUDGET: Grab our Signature Budget Template! It's your key to organizing and optimizing your finances effectively ➡︎ https://myidealbalance.com/budget 

    4️⃣ COACHING: Ready to dive deep into your finances? Sign up for our 1-on-1 Financial Coaching. It’s the accountability and guidance you need to make real progress ➡︎ https://myidealbalance.com/coaching 


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    • 37 min
    208 | Real Budget Wins: Client Success Stories That Inspire

    208 | Real Budget Wins: Client Success Stories That Inspire

    ⁠Snag Our Signature Budget Template!⁠

    Imagine trying to book a vacation but realizing your credit cards are maxed out. Sounds familiar, right? We've all been there. But here's the good news: it's possible to enjoy life, be on a budget, and pay off debt—all at the same time. Today, we're diving deep into the stories of people just like you, sharing the lessons we're learning together. This episode is packed with laughter, relatable stories, and actionable takeaways that you can apply to your own financial journey.


    Real Stories, Real Lessons:


    Overcoming Financial Overwhelm: Learn from a client who faced the challenge of managing simultaneous big bills and how they found a way to navigate their savings effectively.
    Impulse Spending to Intentional Saving: Hear the transformational story of someone who went from impulse spending to creating a plan for future financial stability.
    Innovative Budgeting with Irregular Income: Discover how a couple with unpredictable income managed to automate their finances, creating peace of mind and financial consistency.
    Redefining Success: Be inspired by a family's decision to sell their house to live debt-free, choosing values over vanity.
    Strategic Business Moves: Gain insights from a business owner who made a savvy decision with a large upfront payment, setting her business and personal finances up for success.



    Key Takeaways:


    Strategies That Work: We're sharing proven strategies to help you achieve your financial goals, whether you're saving, paying off debt, or both.
    Empowerment Through Perspective: Learn how changing your perspective and getting the right advice can dramatically improve your financial situation.
    Living True to Your Values: We'll show you the power of making decisions based on what truly matters to you, not just what society expects.

    Conclusion:
    Today's episode is all about hope, empowerment, and practical steps you can take to master your money moves. Whether you're struggling with budgeting, facing financial uncertainties, or just looking to make smarter financial decisions, there's something in this episode for you. Remember, your financial journey is unique, and it's all about taking steps that align with your values and goals.



    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.myidealbalance.com/freecall 

    2️⃣ FACEBOOK: Become part of our Supportive Facebook Group. Connect, share, and learn with others mastering their budget skills ➡︎ https://www.myidealbalance.com/facebook 

    3️⃣ BUDGET: Grab our Signature Budget Template! It's your key to organizing and optimizing your finances effectively ➡︎ https://myidealbalance.com/budget 

    4️⃣ COACHING: Ready to dive deep into your finances? Sign up for our 1-on-1 Financial Coaching. It’s the accountability and guidance you need to make real progress ➡︎ https://myidealbalance.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! 


    ---

    Send in a voice message: https://podcasters.spotify.com/pod/show/idealbalance/message

    • 30 min

Customer Reviews

4.9 out of 5
143 Ratings

143 Ratings

Ashlie G. ,

Financial Advice 101

I wish they taught us these things in school.
Love the podcast and advice!

CHawk0017 ,

Helpful research

I found these ladies podcast very informative, we’re looking at ways to get our finances more organized and budgeted this year and I really enjoyed their information and plan to listen to their show more frequently. The 30 min free call with them was a super helpful and positive experience.

gelavuk ,

Love this podcast

I love listening to the episodes whenever they release. I am learning so much from you guys. I have created virtual wallets with different accounts for a few different budget items which has really helped me. I also keep some of my budget items in cash. I am doing things little by little to try to get myself in a better financial situation. Thank you so much for all of the advice, and I look forward to listening to future podcasts! if I can afford it, I would love to work with you guys in the future!

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