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

Are you one of those people who start a budget with the best intentions but just can’t seem to stick to it? If that sounds familiar, this episode is for you. We're diving deep into the world of budgeting, debunking myths, and offering real, tangible solutions to your budgeting struggles.



In This Episode:

- 00:02:15: The truth behind why many of us fail at sticking to a budget and practical steps to change that.

- 00:06:30: Strategies for managing fluctuating incomes – a must-hear for freelancers and those with variable earnings.

- 00:12:20: Preparing for 'unexpected' expenses – they might not be as unpredictable as you think.

- 00:18:45: Balancing indulgences and mindful spending – finding harmony in your financial life.

- 00:25:00: Keeping the motivation alive – tips to maintain momentum in your budgeting journey.



Key Moments:

- Debunking Budgeting Myths: We're tackling common misconceptions about budgeting and setting the record straight.

- Navigating Variable Incomes: Tips and techniques for creating a flexible budget that works with an inconsistent income.

- Anticipating the Unanticipated: Turning sudden expenses into planned events and eliminating financial surprises.

- Mindful Indulgences: How to enjoy your earnings without derailing your budget goals.

- Staying Motivated: Techniques to keep your budgeting journey fresh and focused, ensuring you stay on the path to financial freedom.

Conclusion:

Budgeting isn't about cutting back on everything you love; it's about making smart choices that align with your goals. So, hit play, get inspired, and start transforming your financial future today!



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Next Steps > > >

Email us any questions: info@myidealbalance.com

Interested in Coaching? We work 1:1 with clients to do everything we talk about in this show. If you’re interested, click the link below to set up a FREE 30 minute free session with us. We’ll chat, get to know one another and see if coaching is a good option for you! There is no obligation whatsoever on this call, but we will give you some quick wins you can implement immediately to level up your money management!

⁠⁠Book a free 20 minute financial coaching session with us!⁠⁠⁠⁠⁠⁠ ⁠

Join our free Facebook Group!

Visit Our Website 

"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!


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

Grab our free, one page, printable budget template here.



Get ready to tackle your December budget with us! In this episode, we chat about how easy it is to slip up with our budgets, especially as the year winds down. We'll walk you through the ins and outs of setting up a solid December budget. From peeking back at November's oops moments to planning for the holiday splurge, we've got you covered. Plus, we've got a super handy one-page budget template just for you!



#### What We Talk About:



1. Oops, November Happened! – We all trip up sometimes, right? We look at why some budgets just didn't stick in November and how to bounce back for a better December.

2. Taking a Quick Look Back – Why it's crucial to peek at last month's spending (even if it hurts a bit) to make wiser choices ahead.

3. December Budgeting 101 – Step-by-step guidance on crafting your December budget before the month kicks off. Avoid the financial scramble and get ahead of the game!

4. Your Budgeting Lifeline – Dive into our easy-peasy one-page budget template available at myidealbalance.com/budgettemplate. Budgeting made simple and stress-free!

5. Income & Expenses Shuffle – How to tweak your budget to reflect December's unique income changes and unexpected expenses.

6. Holiday Spending and Saving Tips – Navigate through Christmas expenses, travel costs, and even saving for upcoming fun in the sun next spring break.

7. Goal Setting for December – Let's set some achievable, budget-friendly goals for this festive month. Whether it's cutting back on debt or saving for something special, we've got strategies to share.



#### Timestamps:

- [00:00:30] – Diving into December budgeting

- [00:02:15] – Reflecting on November's budget blunders

- [00:04:00] – Crafting your December budget step by step

- [00:06:20] – Shoutout to our one-page budget template

- [00:08:10] – Adjusting for December's financial quirks

- [00:10:45] – Smart tips for holiday spending

- [00:13:30] – Setting up December goals



#### Calls to Action:

- Grab the Budget Template: Visit myidealbalance.com/budgettemplate for your handy budget helper.

- Set Your December Goals: What's your financial target this month? Let’s make it happen!

- Share Your Budget Wins: We're all in this together! Tell us about your budgeting victories and challenges.



#### Wrapping Up:

Remember, a budget mishap isn't the end of the world. Each new month, like December, is a fresh chance to get your finances in tune. With a little planning and our trusty budgeting tips, you're all set to end the year on a high note!

Next Steps > > >

Email us any questions: info@myidealbalance.com

⁠⁠Book a free 20 minute financial coaching session with us!⁠⁠⁠⁠⁠⁠ ⁠

Join our free Facebook Group!

Visit Our Website 

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

Snag Our Signature Budget Template!

>> Use BF100 for $100 Off.

The holiday season is here, and with it comes the challenge every festive shopper faces: the Christmas budget. In today's episode, we dive deep into the art of budgeting for the holidays, whether your plan is to spend $500 or $5,000. We understand that budgeting for Christmas can often feel overwhelming, but we're here to guide you through it, step by step.



In This Episode, You’ll Discover:

1. Why Budgeting for Christmas is Crucial:


Exploring the importance of a well-planned budget during the festive season.
Balancing your holiday aspirations with financial reality.

2. Community Insights on Christmas Spending:


Results from our Facebook group poll about holiday budgets.
Analysis of spending trends and frugal strategies.

3. Real vs. Perceived Spending Habits:


Breaking down Google's average spending statistics.
A realistic look at gift budgets for family, friends, and coworkers.

4. Strategies for Smart Budgeting:


Determining what you can realistically afford to spend.
The importance of staying debt-free and living within your means.

5. Personal Budgeting Stories:


Real-life examples of how our clients are approaching their holiday spending.
Emphasizing experiences and memories over material gifts.



Why You Should Listen:

If you're wondering whether to stick with your current Christmas spending habits or shift gears, this episode is for you. We'll provide you with the tools and insights to make informed decisions about your holiday budget, ensuring a festive season that's both joyful and financially sound.



Our Signature Budget Template:


A revolutionary tool designed to transform your financial planning.
Features including asset tracking, debt checking, and a unique paycheck plan.
Special offer: $100 off with coupon `BF100` - valid until November 27th!

Join Our Community:


Facebook Group
Become An Insider!
Visit Our Website
Schedule a Free 20 Minute Financial Coaching Call



"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. 


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

Welcome to another delightful episode of "Business Besties," where we blend personal stories, business insights, and a touch of humor. Today, we're diving into everything from our questionable fashion choices to tackling big business hurdles, and even sharing our secrets to maintaining work-life balance.



1. The First Big Hurdle as Business Partners (00:08:20)

- Listen to our story about the first major obstacle we faced in our partnership and the valuable lessons we learned from it.



2. Balancing Business with Family Life (00:16:35)

- Discover how we juggle the demands of being entrepreneurs, mothers, and wives, and our strategies for meaningful family time amidst busy schedules.



3. Debunking Budget Myths (00:24:10)

- We tackle common misconceptions about budgeting and finance, sharing insights that could change the way you handle money.



4. Indulgences and Guilty Pleasures (00:33:50)

- From YouTube shorts to dining out, we reveal our personal indulgences that bring joy and relaxation.



5. Fashion on a Budget: Tips from Non-Fashionistas (00:41:25)

- Hear our practical tips on looking put together without breaking the bank, including how to choose timeless pieces and care for your clothes.



Next Steps > > >

Email us any questions: info@myidealbalance.com

Interested in Coaching? We work 1:1 with clients to do everything we talk about in this show. If you’re interested, click the link below to set up a FREE 30 minute free session with us. We’ll chat, get to know one another and see if coaching is a good option for you! There is no obligation whatsoever on this call, but we will give you some quick wins you can implement immediately to level up your money management!

⁠⁠Book a free 30 minute financial coaching session with us!⁠⁠⁠⁠⁠⁠ ⁠

Join our free Facebook Group!

Visit Our Website 

"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. 




---

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

Snag Our Signature Budget Template!⁠

⁠>> Use BF100 for $100 Off.



Hey there, Holiday Enthusiasts!

Are you feeling the Christmas crunch? In this final episode of our 2023 gift-giving series, we're diving deep into the world of holiday budgeting. We know that planning for Christmas can be overwhelming, but don't worry, we've got your back! Get ready to turn your festive stress into financial success.

In Today's Episode, We're Exploring:



1. The Art of Christmas Budgeting:

- Understanding the importance of a well-crafted budget for a peaceful holiday.

- Techniques to avoid common financial pitfalls during the festive season.



2. Your Holiday Budget Planner: A Game Changer:

- Introducing our comprehensive planner to manage your holiday expenses seamlessly.

- Discover how to budget for everything – from gifts and travel to food and decorations.



3. Pro Tips for Last-Minute Savers:

- Practical advice for those who've waited until the last minute to save.

- Strategies to start saving for next Christmas, starting now.



4. Reflecting on Last Year’s Spending:

- Learn from the past to improve your future holiday budgeting.



5. Gift Giving Without Breaking the Bank:

- Navigate the gift-giving season with our expert budgeting advice.

- Creative and cost-effective solutions for wrapping and gifting.



6. Feasting and Travel on a Budget:

- How to plan your holiday meals and travel without overspending.



7. Economical and Creative Decor Ideas:

- Deck your halls without draining your wallet: budget-friendly decorating tips.



8. Looking Back and Moving Forward:

- Post-holiday reflections to make your next Christmas even better.

Join us in this episode as we unwrap the secrets to a financially savvy and delightful holiday season. Let's make this Christmas not just merry, but smart and budget-friendly too! 🌟🎅🛍️

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Get The Freebies:


Christmas Budget Planner
100 Clutter Free Gifts

Our Signature Budget Template:⁠


A revolutionary tool designed to transform your financial planning.
Features including asset tracking, debt checking, and a unique paycheck plan.
⁠Special offer: $100 off with coupon `BF100` - valid until November 27th! ⁠

Join Our Community:


⁠Facebook Group⁠
⁠Become An Insider! ⁠
⁠Visit Our Website⁠
⁠Schedule a Free 20 Minute Financial Coaching Call⁠



"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. 


---

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

🎉 Hey, Amazing Listeners! Are you ready to ditch the holiday gift-giving headache this season? Tune in to this super fun and insightful episode where we tackle the all-too-common holiday chaos head-on with systems!

What's in Store for You:


The Holiday Hustle - Real Talk: We get it, friends - the holiday season can be a budget buster and a confusion cauldron! But guess what? You're not alone, and we've got your back!
Gift-Giving: Systemized & Simplified: We're sharing our personal life hacks to make gift-giving a breeze – think easy, breezy, lemon squeezy, but with a meaningful twist!

Our Top Picks for a Stress-Free Holiday:


Picking Names: Great for large families to reduce financial and mental load.


Recurring Gifts: The joy of giving the same cherished item each year.


Bulk Buying: A strategy to save time and money, adding a personal touch.


Themed Gifts: Creating gifts around a central theme for uniformity.


Kids-Only Gifts: Focusing the budget and efforts on children.


Creating Wishlists: Ensuring gifts align with recipients' wishes.


Charity Gift Giving: Opting to give to charities instead of physical gifts.



Sneak Peak Quotes:


"We don't have the brain calories for all that [holiday confusion]." - Real talk about holiday stress.
"You know exactly when and how much you're supposed to be spending." - Simplifying the budgeting puzzle.

Get it while it's on sale:🌟 Budget Template Sale: Snag it with a $100 discount using code 'BF100' till Nov 27th!

We Want to Hear From You!

Seriously, we do! Share your own gift-giving secrets and stories with us at info@myidealbalance.com. Your ideas could be a game-changer for someone else!

Wrapping Up with Love:

Remember, gift-giving should be as joyful as those holiday jingles. Let's make it fun, meaningful, and totally doable this year. And don't forget to grab that budget template - it’s a lifesaver!



Next Steps > > >

Email us any questions: info@myidealbalance.com

Interested in Coaching? We work 1:1 with clients to do everything we talk about in this show. If you’re interested, click the link below to set up a FREE 30 minute free session with us. We’ll chat, get to know one another and see if coaching is a good option for you! There is no obligation whatsoever on this call, but we will give you some quick wins you can implement immediately to level up your money management!

⁠⁠Book a free 30 minute financial coaching session with us!⁠⁠⁠⁠⁠⁠ ⁠

Join our free Facebook Group!

Visit Our Website 

"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.




---

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