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

    10 Top Tips to Pay Off Debt and Stop Using Credit Cards | 579

    Curious? Take The Free Money Stress Quiz! Ready? Buy Our Simplified Budget System Now! Trying to pay off debt but still feel like nothing is working? In this episode, Shana and Vanessa are breaking down 10 of their best debt payoff tips to help us stop spinning our wheels, stop making debt worse, and start making real progress with a plan that actually fits real life. We’re talking about why your credit card balance is not your budget, how to figure out how much you can actually put toward debt, and why the “best” debt payoff method depends on your budget right now. Snowball, avalanche, minimum payment method — they all have a place, but the real magic happens when we know our numbers and make an informed decision each month. This episode is your reminder that debt payoff is not just about throwing random extra payments around. We need a clear budget, realistic spending numbers, savings buckets that keep us from relying on debt again, and a focused plan for paying off one debt at a time. 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.

    19 min

  2. 4d ago

    Budgeting in a Hard Season: How to Stay Stable Without Extra Income | 578

    Curious? Take The Free Money Stress Quiz! Ready? Buy Our Simplified Budget System Now! In this coaching session, Shana and Vanessa sit down with Chantelle, a longtime listener and budget bestie, who shares her experience navigating a difficult season of life. After stepping away from her job to advocate full-time for her son's medical needs, Chantelle is learning how to manage an unpredictable income while staying focused on what matters most. Together, they discuss what it means to budget during "storm mode," how to handle fluctuating side hustle income, the purpose of a paycheck-ahead fund, and why it's okay to rely on your budget differently during challenging seasons. They also cover practical strategies for Costco spending, reimbursement-based expenses, and finding peace when account balances temporarily decrease. This episode is a reminder that budgeting isn't about perfection—it's about creating a plan that supports you through every season of life. What We Talk AboutManaging finances during a medical crisis and caregiving seasonWhy a paycheck-ahead fund isn't always the first priorityCreating a realistic budget based on guaranteed incomeUsing side hustle income strategicallyHandling anxiety when savings balances decreaseBuilding financial confidence during difficult seasonsBudgeting for bulk purchases and Costco tripsManaging reimbursement-based expensesCelebrating budgeting wins, including staying on budget through Christmas 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

  3. 6d ago

    The Budget Mistakes That Keep You Living Paycheck to Paycheck | Lessons From The Sessions | 577

    Curious? Take The Free Money Stress Quiz! Ready? Buy Our Simplified Budget System Now! Budget besties, this episode is all about what happens when your money life has a lot of moving parts: personal finances, business income, real estate, trusts, debt payments, vehicles, savings goals, and everyday spending all tangled together. Shana and Vanessa walk through a real client example where three separate budgets helped create major clarity. Once everything was on paper, this client and her husband could finally see what was happening, make informed decisions, and start the domino effect by selling a truck they no longer needed. The big takeaway? When money is mixed together, it gets confusing fast. But when we separate it, label it, and set up simple systems, our budget starts working for us automatically. Separate accounts, realistic spending categories, labeled savings, and automatic transfers can help us stop relying on memory, stop overspending “extra” money that isn’t really extra, and start making progress toward the goals we actually care about. 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

  4. Jun 8

    How to Stop Feeling Stressed About Money Without Tracking Every Dollar | Reair: All Things Excellence Podcast with Chelsey Debruin | 576

    Curious? Take The Free Money Stress Quiz! Ready? Buy Our Simplified Budget System Now! Check out Chelsey's podcast! Budget besties, this one is for anyone who has ever said, “I don’t need a budget,” while also wondering where all their money went. In this episode, Shana and Vanessa get real about why budgeting is not about restriction, shame, or living on beans and rice. It is about giving every dollar a job so our money can actually support the life we want — the trips, the family fun, the savings goals, the debt payoff, the cute shoes, and the peace of mind. We talk about why so many of us were never taught how to manage money, how modern finances have gotten way more complicated than they used to be, and why simply “having money left over” is not the same thing as having a plan. Shana and Vanessa also break down their simple account system, how to separate bills from spending, and why budgeting can actually make spending feel more fun and guilt-free. This episode is full of permission to stop spiraling, face the music, and start building financial clarity one step at a time. In This Episode, We CoverWhy “I don’t budget, I just buy what I want” is not the flex people think it isHow budgeting helps us live bougie on purposeWhy money stress and lack of budgeting are so connectedThe power of putting everything on one pageWhy a 90-day spending audit can be eye-openingHow to teach kids financial literacy without shameWhy net worth matters more than obsessing over a credit scoreSimple ways to reduce expenses without cutting everything funHow separating bank accounts creates clarity and fewer money fightsWhy financial coaching can feel like having a personal trainer for your money 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.

    57 min

  5. Jun 5

    How This Single Mom Stopped Using Credit Cards and Paid Off $31K of Debt With a Simple Budget System | 575

    Curious? Take The Free Money Stress Quiz! Ready? Buy Our Simplified Budget System Now! When Sarah first found Financial Coaching for Women, one phrase stopped her in her tracks: "You make good money but have nothing to show for it." As a single mom, Sarah felt like she should have been further ahead financially. She was earning more than ever before, but still felt stuck. Credit cards, unexpected expenses, and a lack of a clear system kept her spinning her wheels. Fast forward less than a year and Sarah has: ✅ Paid off nearly $32,000 of debt ✅ Stopped using credit cards completely ✅ Built multiple savings buckets ✅ Nearly paid off her home ✅ Created a financial future she's excited about In this episode, Sarah shares exactly what changed, why the Budget Besties system finally clicked for her, and how she's teaching her 10-year-old daughter lessons about money that she wishes she had learned earlier. If you've ever felt like you're making good money but can't seem to get ahead, this episode is for you. In This Episode We Discuss:Why traditional budgeting methods never worked for SarahThe simple checking account change that transformed her spendingHow savings buckets helped her stay out of debtPaying off nearly $32,000 in less than a yearBecoming mortgage-free and what that means for her futureWhy credit cards kept pulling her back into debtTeaching kids healthy money habitsThe emotional cost of using debtWhy budgeting is a journey, not a quick fix 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.

    28 min

  6. Jun 3

    Where Is All My Money Going? How One Mom Found $1,000 in Her Budget | 574

    Curious? Take The Free Money Stress Quiz! Ready? Buy Our Simplified Budget System Now! What happens when you finally see all of your finances in one place? In this episode, Michelle from Budget Besties Office Hours shares the story of a military mom facing a huge overseas move, major life changes, and overwhelming financial stress. After listening to the podcast and joining Office Hours, she jumped into the Simplified Budget System and quickly discovered: ✅ An extra $1,000 a month she didn't realize she had ✅ Over $200 a month in unused subscriptions ✅ A plan to save more than $3,000 before her move ✅ Room in the budget to cash flow a Disney cruise ✅ The peace of mind that comes from knowing exactly where your money is going If you've ever felt overwhelmed by your finances, worried about a big life change, or wished you could stop keeping everything in your head, this episode is for you. In This Episode We Talk About:Why seeing your budget on one page changes everythingHow mock budgets help you prepare for major life transitionsThe power of the 90-day reviewFinding money that's already in your budgetWhy "math is facts" can calm financial anxietyHow Office Hours helps women get unstuck fasterThe connection between growth and getting uncomfortableTeaching healthy money habits to the next generation 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.

    20 min

  7. Jun 1

    Get Out of Debt Faster: The Simple Debt Payoff Plan That Finally Works | 573

    Curious? Take The Free Money Stress Quiz! Ready? Buy Our Simplified Budget System Now! If you're tired of sending your hard-earned money to credit cards, loans, and debt payments every month, this episode is for you. In this episode, we're talking about what getting out of debt really looks like, common mistakes people make, and how to create a plan that helps you keep more of your money. Because the goal isn't just making payments forever. The goal is getting your money back. 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. May 29

    How to Decide Between Paying Off Debt or Building Your Savings | 572

    Curious? Take The Free Money Stress Quiz! Ready? Buy Our Simplified Budget System Now! In today’s episode, we’re answering YOUR money questions in real time. No prep. No scripts. Just honest conversations about budgeting, debt, savings buckets, and figuring out what actually matters most in your season of life. We’re talking through: Should you put extra money toward debt or savings?What savings buckets matter most right now?How do you know if you have a spending problem or an income problem?What if your budget feels tight no matter what you do?How to make realistic budget decisions for YOUR family Plus, we share stories from real clients navigating debt payoff, bonuses, big families, and making intentional choices with their money. 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
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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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