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 (295)
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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. 17H AGO

    Real Coaching Lessons: Budgeting for Paycheck Gaps + Planning College Visits Without Debt | 526

    Curious? Watch Our Money Makeover Bootcamp! Ready? Buy Our Simplified Budget System Now! Today we're pulling back the curtain and sharing real stories from our private coaching sessions – because if our clients are dealing with it, chances are you are too. From job transitions messing with pay schedules to college visits sneaking up on us (hello senior year!), we’re breaking down exactly how we helped our clients navigate these challenges without falling into a debt spiral. We’re talking about: Why funding your grocery account is non-negotiableWhat to do when your paycheck date shifts and the bills don’t careThe sneaky stress of college visit expenses – and how to stop pretending it’s not happeningHow skipping a debt payment to build a buffer is actually a smart moveThe power of planning ahead (even if your kid is just a freshman) These are the kinds of wins that may not look flashy on paper — but the 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.

    9 min

  2. 2D AGO

    How To Fix The Money Beliefs Sabotaging Your Budget | 525

    Curious? Watch Our Money Makeover Bootcamp! Ready? Buy Our Simplified Budget System Now! Hey budget besties! 💸 This episode is for every single one of us walking around with invisible—but very real—money baggage. Whether it came from childhood sayings like “money doesn’t grow on trees” or past relationship drama, Shana and Vanessa are breaking down where our money beliefs come from and how they shape the way we spend, save, and stress about money today. 💼 What is money baggage anyway? It’s the beliefs, habits, and emotions around money that you’ve carried—sometimes without even knowing it. And they’re often rooted in family dynamics, cultural expectations, or past financial experiences. 🎯 In this episode, we explore: The most common money messages we heard growing up (and how they STILL influence us today)How fear of spending or scarcity mindsets show up in our relationshipsWhy two people can bring wildly different money habits into a marriage—and how that causes tensionThe weight of cultural or family pressure to live a certain lifestyleThe emotional toll of money trauma from past relationshipsAnd most importantly, how to recognize your patterns and choose a new path forward 💬 Shana shares how her childhood taught her not to ask for things (because the answer would be no), and how that belief showed up in her marriage—even when it didn’t make sense. Vanessa gets real about how her parents losing their jobs drove her to pay off her mortgage early. These stories aren’t just personal—they’re universal. And they show us just how deep this stuff runs. ✨ But here’s the good news: You get to decide what comes next. You’re not stuck in the patterns you were handed. Whether you're scared to spend or scared to talk about money at all, you can shift how you handle your finances—and we’re here to help you do 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.

    13 min

  3. 5D AGO

    Growing Up Broke, Breaking the Cycle: How This Single Mom Transformed Her Money Mindset with Kallai Plummer | 524

    Curious? Watch Our Money Makeover Bootcamp! Ready? Buy Our Simplified Budget System Now! Check out Kallai's Podcast! This one’s for all of us who grew up with “just make it work” energy—and are ready to do things differently. In today’s powerful episode, we’re joined by the incredible Kallai Plummer, founder of The Kal + Co, operations expert, and host of That Big CEO Energy podcast. Kallai is sharing her real, raw story of financial survival, motherhood, breaking cycles, and building a business that puts her family and her freedom first. Kallai grew up with a single mom who made it all work behind the scenes—but didn’t talk about money. Later, she found herself in a similar spot as a young single mom, following the “do it right” playbook of college, career, 9-to-5… and still feeling stuck. Together, we unpack: The generational patterns around money (and silence) that so many of us are navigatingWhy saving money can feel uncomfortable when you’ve never seen it modeledHow our upbringing shapes not just our finances—but our relationships, communication, and even self-worthWhy it’s so important to let our kids in on age-appropriate money convosWhat it really looks like to walk away from burnout and build a business on your termsAnd how to create safety, strategy, and sustainability—at home and in business Whether you’re a single mom, a business owner, or just someone trying to change your money story, this episode is full of heart, healing, and straight-up real talk. The biggest takeaway? You’re not stuck. You’re learning. And you can teach your kids something different. 💛 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

  4. FEB 4

    Savings Buckets, Transfers, and Debt Payoff: Your Questions Answered With Coach Michelle | 523

    Curious? Watch Our Money Makeover Bootcamp! Ready? Buy Our Simplified Budget System Now! Coach Michelle is back, besties! 🙌 We’re diving into some of the most common questions we’ve been getting in office hours and in our community—from savings buckets to debt payoff strategies and how to actually get started without spinning out in decision fatigue. In this episode, we talk about: 💸 What savings buckets are (and why they’re a game-changer) 🎯 How to decide what you should be saving for 🛠️ How to use your savings buckets when it’s time to spend 📆 The right time to add savings buckets to your budget 🚫 What to do when you want to pay off debt and save at the same time ⚖️ Real talk about snowball vs avalanche vs “what’s stressing you out most” debt payoff methods 🎉 Celebrating every win—from getting your first budget set up to paying off $50k in debt! Plus, we remind you to take it one step at a time—month one might just be getting your budget in place, and that’s a huge win too. So if you’ve been wondering how to juggle savings and debt payoff, or you’re still wrapping your head around how savings buckets work, this one’s 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.

    21 min

  5. FEB 2

    How Multiple Bank Accounts Make Budgeting Easier | 522

    Curious? Watch Our Money Makeover Bootcamp! Ready? Buy Our Simplified Budget System Now! You’re not the only one avoiding your bank account like it’s haunted. 👻 Two-thirds of people do it too! But what if one tiny shift could help you go from financial fog to total clarity? That shift? Multiple. Bank. Accounts. Sounds complicated? It’s not. We’re breaking it down step-by-step, budget bestie style. 🧠 In This Episode:That “black hole” checking account feeling — and why it’s so overwhelmingThe adult version of “la la la I can’t hear you!” when it comes to money 😬Why one checking and one savings account just doesn’t cut it anymoreThe power of separating your money — and how it instantly simplifies your decisionsWhich checking accounts you actually need (hint: bills, spending, gas + groceries)How savings buckets give your money purpose — and keep you from “accidentally” spending itPet account shoutouts to Cooper and Luna 🐶💕Simple best practices to name, hide, and automate your accounts like a pro 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.

    21 min

  6. JAN 30

    Starting Over With $0: How Amanda Rebuilt Her Life and Budget After Divorce | 521

    Curious? Watch Our Money Makeover Bootcamp! Ready? Buy Our Simplified Budget System Now! In today’s episode, we're sitting down with Amanda — a rockstar, graduated client who proves that hitting the reset button doesn't mean starting over empty-handed. Amanda’s story is real, raw, and SO relatable for any of us navigating a financial rebuild, especially after a major life change. She came to coaching newly single, with $0 in her bank account, two kids to support, and the determination to not mess this up. Fast-forward to today: Amanda is not only financially stable, but she’s fully funding her life, bought a house, built savings buckets, is two months ahead in her business, and is teaching her kids real money skills. 👏🏼👏🏼👏🏼 In this episode, we chat about: What prompted Amanda to seek financial coachingHow she strategically used her divorce settlement to reset her financesThe mindset shifts around debt, spending, and credit cardsHow she ditched the stress and embraced budgeting simplicityWhy separating accounts made everything easier (yes, even with more accounts!)Setting up her kids with money management systems earlyBusiness owner lessons: paying yourself properly and setting monthly income goals Amanda reminds us that it’s not about being perfect — it’s about being intentional, asking for help, and learning how to be your own bank. Whether you’re starting fresh or just need a reboot, her story is proof that we can take control, live well, and still get our nails done. 💅🏽😉 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

  7. JAN 28

    Lessons from the Sessions: Budgeting for Sports Seasons & Being Ready for Job Loss | 520

    Curious? Watch Our Money Makeover Bootcamp! Ready? Buy Our Simplified Budget System Now! Today, we’re bringing you behind the scenes, straight into our coaching calls — because if our clients are navigating it, chances are you are too. We’re talking about budgeting through real-life seasons, shifting priorities, and how to create space in your budget without the guilt. ✨ What We’re Talking About: Budgeting for the season you're actually in — hello, sports parents!Why your family fund might need to flex (and that’s okay)Creating custom spending accounts to reduce stress and decision fatigueThe danger of budgeting with unrealistic numbers (aka stop lying to your grocery line)What happens when you lose your job after you’ve finally gotten your money rightHow getting your budget in order makes space for life’s curveballs We’re sharing stories from real coaching clients to show you just how powerful it is to take ownership of your money — before life forces your hand. Because budgeting isn’t about restriction — it’s about freedom. It’s about knowing what you can afford and making confident choices (even if that means skipping a vacation to fund volleyball season 🏐). 🎧 Tune in, take what you need, and remember — we’re all bougie on a budget in our own way. 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

  8. JAN 26

    How To Set Up Your February Budget: Bills, Spending, and Savings Buckets (Without Tracking Every Dollar) | 519

    Curious? Watch Our Money Makeover Bootcamp! Ready? Buy Our Simplified Budget System Now! February’s knocking at the door (yes, the month with TWO R’s — we didn’t forget 😉), and you know what that means — it’s budget planning time! In this episode, we’re walking you through how to set up your February budget step-by-step, and helping you think through all the little things that might be coming your way — from Valentine's Day to surprise school fees to Super Bowl snacks. 🍫🏈💐 WATCH AND FOLLOW ALONG HERE! Whether you’re brand new or a long-time listener, we’ve got something for you in this episode. You’ll hear exactly how we guide our clients each month and why it’s not about how much money you make — it’s about what you do with 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.

    27 min
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295 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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