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 (304)
  • HOW TO
  • 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. 43M AGO

    Avoiding Credit Card Debt in a Hard Season: Budget Help, Side Hustles, and Real Wins | 562

    Curious? Take The Free Money Stress Quiz! Ready? Buy Our Simplified Budget System Now! Budget besties… this one is GOOD. We’re back with the one and only 🎶 Coach Michelle 🎶 — our office hours queen and now the go-to for our Budget Setup Sessions! Today’s convo is all about what happens when real life hits your budget… and how community + clarity changes everything. 💛 When You’re Trying to Stay Debt-Free in a Hard SeasonMichelle shared the story of one of our longtime office hours friends: Hard-working mamaSupporting her husband’s startupRaising kids (including one who needs extra care)Watching savings slowly shrinkDetermined not to go back to credit cards She was weighing: 401(k) loanBusiness loanPersonal loanSide hustlesAnything to avoid high-interest debt And instead of spiraling alone? She brought it to office hours. What happened next is why we love this community so much: Other budget besties jumped in with creative, realistic ideasSide hustle suggestions tailored to her actual skills (art lessons, tutoring, laundry service, pet sitting)Honest discussion about risks of retirement loansEncouragement to protect their debt-free progress No “finance bro” advice. No shame. Just real women saying: We see you. Let’s think this through together. That’s what office hours is for. 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

  2. 2D AGO

    Budget Shortcuts for Busy Moms: How to Put Your Money on Autopilot | 561

    Curious? Take The Free Money Stress Quiz! Ready? Buy Our Simplified Budget System Now! This episode is for every mom who feels like she’s running a full-time taxi service, short-order cook, event planner, and somehow also expected to “just budget” on top of it all. We see you. We are you. Between volleyball tournaments, gymnastics, long drives, team dinners, school surprises, and figuring out who’s buying $9 eggs this week… there is NO extra time to sit down with a complicated spreadsheet. So today’s episode is all about budget shortcuts for busy moms — the kind that make your money run on autopilot so you can focus on your family (and maybe even breathe). 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.

    18 min

  3. 5D AGO

    From Cash Envelopes to Digital Envelopes: How Cindy Made Budgeting Easier in Retirement | 560

    Curious? Take The Free Money Stress Quiz! Ready? Buy Our Simplified Budget System Now! Cindy’s story is one so many of us can relate to. After her divorce, she was suddenly in charge of everything financially. She was budgeting on a legal pad every paycheck, carrying around a purse full of cash envelopes, and dumping all extra money into one big savings account. It was working… technically. But: She didn’t know what her savings was actually for.Unexpected expenses always came from the same big pot.Fun spending and real emergencies got mixed together.And her purse weighed about 30 pounds. 😅 💡 What ChangedInstead of one giant savings bucket, Cindy created separate sub-accounts for things like: MedicalVacationAuto repairsBeautyRestaurantsClothingHome/Amazon Now she knows exactly what every dollar is for. No more guessing. No more “I’ll just pull it from savings.” No more stress. She uses: A simple paycheck planDigital “envelopes” through her bankA system she can’t accidentally mess upCash only where it makes sense (like restaurants) And the best part? She’s retired now — and it still works beautifully. 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

  4. APR 29

    Not Your Grandma’s Budget: How to Budget When You Hate Budgeting | Reair: Money Magnet Mama with Masha Goins | 559

    Curious? Take The Free Money Stress Quiz! Ready? Buy Our Simplified Budget System Now! Check out Masha's Podcast! Hey budget besties 💕 If the word budget makes you want to run the other way, this episode is for you. Today we’re chatting with an entrepreneur who came into coaching with major resistance to budgeting. To her, it meant restriction, frugality, and being stuck in a financial cage. Sound familiar? But what she discovered? This isn’t your grandma’s budget. This is a budget system — and it creates freedom, clarity, and control. Even in a 90K launch month… when the money still somehow disappeared. Yep. We’re talking about: Making great money but feeling brokeThe “just make more money” trapWhy income isn’t the real issue (spoiler: it’s the system)Planning for those “unexpected” but totally expected expensesFinally having a credit-card-free ChristmasMerging finances in marriageAutomating business and personal budgetsAnd becoming bougie on a budget without guilt 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.

    39 min

  5. APR 27

    How To Build Your May 2026 Monthly Budget: Plan Your Money Step by Step | 558

    Curious? Take The Free Money Stress Quiz! Ready? Buy Our Simplified Budget System Now! We’re talking about the B word — and no, not in a scary way. Here’s the truth: Most of us are running the same “money operating system” we had at 18. Meanwhile… life got more expensive, more complicated, and way busier. So what do we do? We upgrade the system. Not with more tracking. Not with spreadsheets you have to babysit. Not with budgeting apps that turn you into an accountant. We build a system that: ✅ Tells your money where to go✅ Puts it there automatically✅ Makes it nearly impossible to “mess up” Because you are too busy living your life to be manually moving money around all month. 💡 The 5-Part Budget FrameworkWe’ve simplified everything into five columns. That’s it. Income – Every dollar coming in (yes, even cash + bonuses + tax returns).Debt – Minimum payments only (we’ll attack extra strategically).Bills – Anything with a due date.Spending – The Big Four: Gas & groceriesRestaurants/entertainmentPersonal pocket moneyKids Savings Buckets – All the “unexpected” expenses that aren’t actually unexpected (Christmas, travel, hair appointments, sports fees, car maintenance, etc.) We separate everything into clear accounts so your bank becomes your personal assistant. 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.

    47 min

  6. APR 24

    Stop Letting Money Control You: Mindset + Money Habits for Real Abundance with Rebecca E. Whitman | 557

    Curious? Take The Free Money Stress Quiz! Ready? Buy Our Simplified Budget System Now! Hey budget besties, this conversation is such a good reminder that true wealth is about so much more than what is sitting in your bank account. In this episode, we sit down with mindset coach Rebecca Whitman to talk about abundance, financial empowerment, and why money works best when it supports a full, healthy, joy-filled life. Rebecca shares her personal story of resilience, how she rebuilt after divorce and loss, and why she believes financial success starts with alignment in the rest of our lives first. We also talk about why women need a different conversation around money, how to stop letting money control us, and how to create a budget that feels supportive instead of restrictive. This one is full of encouragement, mindset shifts, and practical ideas you can start using right away. Check out Rebecca Whitman's The Balances & Beautiful Bundle 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.

    34 min

  7. APR 22

    How They Paid Off $30,000 of Debt in 6 Months (Without Being "Gazelle Intense") | 556

    Curious? Take The Free Money Stress Quiz! Ready? Buy Our Simplified Budget System Now! We walked through a real-life case study of a totally normal family — married, two kids, busy jobs, travel sports — bringing in $16,000 a month but carrying over $300,000 in debt (not including their mortgage) with $6,300 in minimum payments alone. After a tough season of loss and emotional spending, things spiraled. She had 34 debts and felt suffocated. But in just six months of coaching — without increasing their income — she paid off 11 debts and $30,000 total, reduced minimum payments by nearly $1,000 a month, got a full paycheck ahead, and finally created breathing room in her budget. And no, she didn’t stop living her life to do it. What made the difference? She did the work. She closed credit cards, called lenders to lower payments, refinanced a car, sold things around the house, negotiated bills, separated business and personal finances, and got intentional about side income for a season. She stopped reacting and started planning ahead with savings buckets — even setting up separate accounts for kids’ sports and annual expenses. The biggest shift wasn’t just financial, it was mental clarity. Once the system was built, it ran — and she didn’t have to track every penny anymore. Budget besties, this is what happens when you pair a clear plan with consistent action. It’s not about perfection — it’s about progress, and it’s absolutely possible for you too. 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.

    30 min

  8. APR 20

    How to Budget for Quarterly and Annual Bills Without Stress | 555

    Curious? Take The Free Money Stress Quiz! Ready? Buy Our Simplified Budget System Now! This week, we pulled two real questions from our Facebook group, and they both came down to one thing: savings buckets. We’re talking through how to save for something coming up in just a few months, what to do when quarterly or annual bills pop up, and why you do not need to track every single dollar in your account at every moment. If you’ve ever wondered how to make short-term savings goals work inside your budget, how to pay bills from savings buckets, or how to stop stressing about check dates and bill dates, this episode is for you. We’re keeping it simple, practical, and way less overwhelming. 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
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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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