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
  • 4.6 (310)
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  • Updated Semiweekly

***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 to Budget as a Couple (Without Fighting About Spending) | 590

    Curious? Take The Free Money Stress Quiz! Ready? Buy Our Simplified Budget System Now! Budget besties, this one is such a relatable money conversation for couples. In this coaching-style episode, Shana and Vanessa talk with Jennifer and Brandon about setting up their budget system, figuring out checking accounts vs. savings buckets, and working through the classic “is this a personal expense or a family expense?” debate. From hair appointments and supplements to kids’ expenses, Christmas, vehicle maintenance, and inconsistent income, this episode breaks down how to stop treating the budget like a tug-of-war and start treating it like a team plan. Because the goal is not to cut out everything that makes life better. The goal is to put real life in the budget on purpose. 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.

    23 min

  2. 3d ago

    Business Budgeting for Irregular Income + How To Use Savings in a Slow Month | Lessons from the Sessions | 589

    Curious? Take The Free Money Stress Quiz! Ready? Buy Our Simplified Budget System Now! Budget besties, sometimes the budget just does not math the way we want it to. In this episode, Shana and Vanessa talk through what happens when personal and business budgets are connected, income is fluctuating, and the month is coming up short. Instead of making tiny stressful transfers from savings all month long, they walk through why it can be more helpful to make one intentional transfer, close the budget gap, and move forward with clarity. They also dig into business budgets, especially for owners with seasonal or inconsistent income. We talk about saving during higher-income months, funding savings buckets, preparing for upcoming expenses, and yes, even building in profit and bonuses. Because budgeting is not just about bills, debt, and taxes. It is also about peace, breathing room, and giving yourself permission to build something that actually works for real life. 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.

    12 min

  3. 5d ago

    Debt Payoff Basics: How to Pay Off Debt and Stop Using Credit Cards Without Shame or Living on Beans and Rice | 588

    Watch Our Debt Payoff Workshop! Budget besties, today we’re talking about debt in a way that does not involve shame, panic, or living on beans and rice forever. Because listen: you are not bad with money. You were probably just never taught how to make a clear plan. In this episode, Shana and Vanessa walk through the real first steps of paying off debt: knowing your numbers, building a budget that actually works, and choosing a payoff method that fits your real life. We’re also talking about why debt can feel so heavy, how to stop making random extra payments that may not be helping, and why a personalized debt payoff strategy beats a one-size-fits-all plan every time. The big reminder? Debt payoff is not about giving up everything you love. You can still have fun money, savings buckets, and a life while making serious progress. That is the whole point of being bougie on a budget. 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.

    52 min

  4. Jul 3

    How Two Teachers Paid Off Debt and Cash-Flowed Disney Vacation | 587

    Curious? Take The Free Money Stress Quiz! Ready? Buy Our Simplified Budget System Now! Budget besties, this episode is such a fun one because we’re chatting with Julie, one of Vanessa’s private coaching clients and basically the gold-star student of budgeting. Julie and her husband are both teachers, and before coaching, they were stuck in that cycle so many of us know too well: swipe the credit card, pay it off, swipe again, repeat. Once Julie started using the budget system and working with Vanessa, everything started to shift. She paid off credit card debt, cash-flowed Disney and Universal trips, planned for her husband’s season tickets, created super-specific savings buckets, and helped her boys start learning how to manage their own spending money. This conversation is such a good reminder that budgeting is not about restriction. It’s about putting our real life on paper so we can do the things we love without constantly feeling behind. 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.

    32 min

  5. Jul 1

    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

  6. Jun 29

    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

  7. Jun 26

    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

  8. 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
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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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