Financial Coaching for Women: How To Budget, Manage Money, Pay Off Debt, Save Money, Paycheck Plans – Détails, épisodes et analyse

Snag Our Signature Budget Template!

Hey, Budget Besties! 🤑

In this episode, we’re diving deep into the intersection of love and money with James Christensen, a marriage therapist from California. He’s here to help us navigate the often icky topic of finances in relationships. Trust us, you don’t want to miss these nuggets of wisdom! 💡

What We Covered:

1. Complaint to Request: James teaches us the magic of transforming complaints into positive requests, making communication with our partners way more effective.

2. Shared Vision: The importance of dreaming together as a couple and aligning your financial goals. It’s all about building a future that excites you both!

3. Calm Conversations: How to calm down and address money issues without letting past baggage get in the way. It's about shifting from survival mode to collaboration mode.

4. Handling Disagreements: James shares how to handle it when your partner disagrees with your financial choices—hint: it’s all about respect and making space for each other's priorities.

5. Vulnerability & Love: Why being financially vulnerable with your partner is crucial for a strong, long-lasting relationship. Spoiler alert: Love really is the easiest way to live. ❤️

Key Takeaways:

1. Money isn’t just about numbers; it’s deeply tied to emotions and past experiences.

2. Your relationship will thrive when you make room for all of your partner, not just the parts that align with you.

3. A great marriage is built on shared dreams, mutual respect, and the willingness to grow together.

Want to learn more from James? Check out his website at therapyjames.com where he offers both therapy and coaching. His book list is a must-see for anyone looking to improve their relationships. 📚

4 Ways To Connect With Us:

1️⃣ FREE CALL: Book your FREE 20-Minute Financial Coaching Call now! Get personalized advice and start your financial journey ➡︎ https://www.budgetbesties.com/freecall 

2️⃣ FACEBOOK: Become part of our Supportive Facebook Group. Connect, share, and learn with others mastering their budget skills ➡︎ https://www.budgetbesties.com/facebook 

3️⃣ BUDGET: Grab our Signature Budget Template! It's your key to organizing and optimizing your finances effectively ➡︎ https://budgetbesties.com/budget 

4️⃣ COACHING: Ready to dive deep into your finances? Sign up for 1-on-1 or Group Financial Coaching. It’s the accountability and guidance you need to make real progress ➡︎ https://budgetbesties.com/coaching 

"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!  

Snag Our Signature Budget Template!

Hey, budget besties! 🍁 September is just around the corner, and it’s time to make sure your budget is ready to handle all the upcoming expenses—pumpkin spice lattes included! In this episode, we guide you through the process of closing out your August budget and setting up a solid plan for September. From managing unexpected expenses to stashing cash for fall festivities, we’ve got everything you need to make this a financially stress-free month.

In This Episode, We’ll Discuss:

1. Wrapping Up August: How to review what happened in August and make sure your budget is accurate and up to date.

2. Setting Up September: Step-by-step tips for creating a balanced budget for September, including all those fall expenses.

3. Dealing with Debt: Why we place debt at the top of the budget and how to tackle it strategically.

4. Prioritizing Spending: Tips for managing discretionary spending like groceries and dining out, especially if you’re still adjusting to a new system.

5. Adding Monthly Specifics: How to budget for unique September events like Labor Day, fall festivals, or school-related expenses.

6. Automating Your Finances: Why setting up automatic transfers is key to sticking to your budget with ease.

Key Takeaways:

1. Wrap Up August: Close out the month by checking off what you paid, noting any unplanned expenses, and making sure your budget balances.

2. Budget for September: Start by listing your income, debts, bills, and spending categories. Don't forget to include any specific September events!

3. Prioritize and Automate: Make sure you’ve got your debt payments at the top, followed by bills, and then your discretionary spending. Set up automatic transfers to make it all hands-off.

4. Seasonal Spending: Whether it’s a fall festival or Halloween prep, include those one-off events in your budget so they don’t catch you by surprise.

Join the Conversation: We love hearing from you! Join our Facebook group where we dive deeper into these topics and support each other in our budgeting journeys. And if you’re feeling inspired by this episode, share it with a friend who could use a little budget boost this September!

4 Ways To Connect With Us:

1️⃣ FREE CALL: Book your FREE 20-Minute Financial Coaching Call now! Get personalized advice and start your financial journey ➡︎ https://www.budgetbesties.com/freecall 

2️⃣ FACEBOOK: Become part of our Supportive Facebook Group. Connect, share, and learn with others mastering their budget skills ➡︎ https://www.budgetbesties.com/facebook 

3️⃣ BUDGET: Grab our Signature Budget Template! It's your key to organizing and optimizing your finances effectively ➡︎ https://budgetbesties.com/budget 

4️⃣ COACHING: Ready to dive deep into your finances? Sign up for 1-on-1 or Group Financial Coaching. It’s the accountability and guidance you need to make real progress ➡︎ https://budgetbesties.com/coaching 

"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!  

Snag Our Signature Budget Template!

In today's episode, we dive into some amazing success stories from our clients that will inspire and motivate you on your own financial journey. 💪✨

Highlights:

1. A Couple’s Journey to Financial Harmony:

2. One of our favorite clients shared a heartwarming story about her fiancé noticing the positive impact of our coaching sessions. "Can you tell them it's working?" he asked, seeing their finances transform.

3. This couple is tackling their finances together, and for the first time, our client knew exactly where all their money went. It's not just about feeling like an adult but feeling purposeful with their money.

4. The Power of Simple Systems:

5. We discussed how our straightforward, easy-to-follow system is designed based on your actual spending habits. Bills on the desk, spending from the wallet – it all makes sense and works!

6. Some clients take a few months to see the system work, but the results speak for themselves.

7. Overcoming Financial Chaos:

8. One client had multiple bank accounts and investments she didn't understand. We streamlined her finances, consolidated accounts, and created a clear, manageable budget.

9. They shifted from weekly to monthly bill payments, bringing clarity and ease to their financial planning.

10. Being Generous with Spending:

11. Understanding spending habits is crucial. One client labeled herself a spender, and we adjusted their budget to accommodate that while still paying off debt.

12. It’s all about balance and making the system work for your lifestyle.

13. Listening and Learning:

14. Our client who listens to the podcast and applies everything she learns. She’s all in, prepared to get ahead on paychecks, and even worked her elopement funds into the budget!

15. Breaking Down Walls:

16. Another client, a single mom and entrepreneur, had a breakthrough moment after a tough coaching session. Sometimes, allowing yourself the grace to pass and trying a new approach can change everything.

17. The Emotional Weight of Finances:

18. Money issues carry a lot of emotional weight. We’re here to help you lift that burden, offering a safe space to discuss and manage your finances.

19. Asking for Help:

20. It’s okay to ask for help! From childcare to business fees, reaching out for support can make a significant difference.

21. Bouncing Back from Financial Missteps:

22. A new client learned a valuable lesson after spending deferred debt payments. We set her back on track with a clean slate and reinforced the importance of setting up separate accounts.

4 Ways To Connect With Us:

1️⃣ FREE CALL: Book your FREE 20-Minute Financial Coaching Call now! Get personalized advice and start your financial journey ➡︎ https://www.budgetbesties.com/freecall 

2️⃣ FACEBOOK: Become part of our Supportive Facebook Group. Connect, share, and learn with others mastering their budget skills ➡︎ https://www.budgetbesties.com/facebook 

3️⃣ BUDGET: Grab our Signature Budget Template! It's your key to organizing and optimizing your finances effectively ➡︎ https://budgetbesties.com/budget 

4️⃣ COACHING: Ready to dive deep into your finances? Sign up for 1-on-1 or Group Financial Coaching. It’s the accountability and guidance you need to make real progress ➡︎ https://budgetbesties.com/coaching 

"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!  

Snag Our Simplified Budget System!

Today's episode dives into creating and sticking to a budget that is tailored to your family's unique lifestyle, goals and schedule. We debunk the myth of one-size-fits-all budgeting strategies and offer a comprehensive guide for your family's unique needs and lifestyles. Plus, we share the secret to making budgeting easier and more effective so you can actually stick to it.

Key Points Discussed:

1. Budgeting is Not One-Size-Fits-All: Every family is unique, and so should be their budget. Generic templates often fail because they don't consider individual family needs and habits.

2. Our Signature Budget System: We've designed a budget template that's comprehensive yet simple, including a paycheck plan and a checklist for payday. The system is complemented by a course that guides you through the process.

3. Conduct a 90-Day Review: A crucial step is to review your past three months' expenses. This helps in understanding your spending patterns and setting a realistic budget.

4. Five Essential Budget Categories: Our system breaks down your budget into five key areas - Income, Debt, Bills, Spending, and Savings. Each category is tailored to reflect your unique lifestyle and goals.

5. Involving the Family: Budgeting should be a family affair. Discuss with family members to understand their needs and upcoming expenses, such as school trips or sports activities.

6. Adapting to Different Pay Schedules: Your budget should align with how you get paid, whether it's weekly, bi-weekly, or through bonuses. Tailor your budget to fit your income schedule.

7. Setting Goals and Staying Motivated: Having clear financial goals is crucial for sticking to a budget. Visualize your goals to stay focused and avoid impulsive spending.

8. Practical Tips to Stick to Your Budget: Use tools like cash envelopes for accountability, set reminders for budgeting tasks, and separate your money into different accounts for different purposes.

Budgeting doesn't have to be a chore. With the right system and approach, tailored to your family's needs, it can be an empowering and rewarding process.

Connect With Us: 

1️⃣ Facebook Group – Join the community. Our free group is where the real talk happens. Connect with other women who are learning how to budget, save, and finally feel in control, together. ➡︎ budgetbesties.com/facebook 

2️⃣ Automate Your Budget Masterclass – Watch it now, no waiting. This FREE on-demand training shows you how to set up a budget that matches your lifestyle, without tracking every dollar or feeling restricted. ➡︎ budgetbesties.com/automate 

3️⃣ Budget – Grab our Simplified Budget System! You don’t need another budget, you need a system that does the math, makes the plan, and gives you permission to spend. ➡︎ budgetbesties.com/budget 

4️⃣ Private 1-on-1 Coaching – Get a plan and a coach. We’ll build your full budget system together, so you always know what to do and feel confident doing it. ➡︎ budgetbesties.com/coaching 

5️⃣ Be on the Podcast – Free coaching, real convo. Come chat with us on the show! Get real-time financial coaching and help other women by sharing your story. ➡︎ budgetbesties.com/livecall 

"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!

Snag Our Simplified Budget System!

Welcome to 2024! In today's episode, we're focusing on how to set and reach your money goals this year. It's all about planning, taking action, and making smart choices with your money. We're here to show you how to do this, step by step.

Key Points:

1. Learning About Money:

   • We talk about our budget template that helps you track your money, plan for the future, and make sure you’re saving enough.
   • Learning about money means not just listening but doing. Use what you learn to change how you handle your money.

2. Setting Goals:

   • Make clear goals for your money. Whether you want to save more, pay off debt, or buy something big, you need to know what you’re aiming for.
   • We discuss short-term and long-term goals. Short-term might be not using a credit card this week, while long-term could be saving for retirement.

3. Steps to Reach Your Goals:

   • Break big goals into smaller steps.
   • Use tools like automation to help manage your money without needing to think about it every day.
   • Check in regularly to stay on track.

4. Dealing with Challenges:

   • Be ready for unexpected costs and problems. They happen, but they don’t have to ruin your plans.
   • Keep focused on why you’re doing this. Remember what you’re saving for or why you want to be debt-free.
   • Get your family or partner involved. It’s easier when you’re working together.

This year can be a great one for your money. Set clear goals, take small steps, and stay focused.

🔑 Key takeaways:

• Consider short, mid & long term goals 📚
• Set SMART goals 🎯
• Break down big goals into small steps 👣
• Stay consistent and adapt to challenges 💪

Listen now and start your journey towards a financially blessed 2024! 💫

Connect With Us: 

1️⃣ Facebook Group – Join the community. Our free group is where the real talk happens. Connect with other women who are learning how to budget, save, and finally feel in control, together. ➡︎ budgetbesties.com/facebook 

2️⃣ Automate Your Budget Masterclass – Watch it now, no waiting. This FREE on-demand training shows you how to set up a budget that matches your lifestyle, without tracking every dollar or feeling restricted. ➡︎ budgetbesties.com/automate 

3️⃣ Budget – Grab our Simplified Budget System! You don’t need another budget, you need a system that does the math, makes the plan, and gives you permission to spend. ➡︎ budgetbesties.com/budget 

4️⃣ Private 1-on-1 Coaching – Get a plan and a coach. We’ll build your full budget system together, so you always know what to do and feel confident doing it. ➡︎ budgetbesties.com/coaching 

5️⃣ Be on the Podcast – Free coaching, real convo. Come chat with us on the show! Get real-time financial coaching and help other women by sharing your story. ➡︎ budgetbesties.com/livecall 

"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!

⁠Snag Our Simplified Budget System!

Ready to crack the code on stress-free budgeting and savvy spending? 🌈✨ In this must-listen episode, we're diving deep into the world of smart money management. If you're tired of financial jargon and looking for real, relatable advice, you've landed in the perfect spot! 🚀

🔑 Key Insights:

1. The Eye-Opening Bank Statement Review: Ever wonder where your money actually goes? We're starting with a 90-day bank and credit card statement deep dive. Get ready for some color-coded revelations that might just make your jaw drop! 😮🖍️

2. Budgeting 101 - Your Way: Say goodbye to complicated spreadsheets! We're all about creating a budget that feels like a chat with a good friend – cozy, honest, and super helpful. 📊💬

3. Streamlining Your Finances: Ever thought managing money could be as easy as pie? We introduce a two-account system that's so simple, you'll wonder why you didn't start sooner! 🥧💡

4. The Magic of Automation: Imagine your bank doing all the heavy lifting for you. We're talking about turning your bank into your personal finance genie – automating savings and expenses like a boss! 🧞‍♂️✨

5. Balancing Time with Money: Struggling to find time for financial planning? We've got some fun and quirky tips to make budgeting a blast – it's time to add some sparkle to those numbers! 🎉📅

6. The Joy of a Flexible Financial Plan: Who said budgeting has to be a bore? Discover how our approach brings joy, freedom, and a sense of control to your finances. 🎈🗝️

7. Your Toolkit for Success: Dive into our treasure trove of resources, from the 49 Smart Money Moves to our easy-peasy one-page budget template. Financial genius, here you come! 🧰💎

🚀 Why You Can't Miss This Episode:

• Ever felt baffled by your own spending habits? We're shedding light on that mystery!
• Dreaming of a budget that doesn't make you snooze? We've got just the thing!
• Think managing money has to be dull? Not on our watch!

🔗 Resources You'll Love:

• 49 Smart Money Moves: budgetbesties.com/smartmoney
• One-Page Budget Template: budgetbesties.com/budgettemplate

Connect With Us: 

1️⃣ Facebook Group – Join the community. Our free group is where the real talk happens. Connect with other women who are learning how to budget, save, and finally feel in control, together. ➡︎ budgetbesties.com/facebook 

2️⃣ Automate Your Budget Masterclass – Watch it now, no waiting. This FREE on-demand training shows you how to set up a budget that matches your lifestyle, without tracking every dollar or feeling restricted. ➡︎ budgetbesties.com/automate 

3️⃣ Budget – Grab our Simplified Budget System! You don’t need another budget, you need a system that does the math, makes the plan, and gives you permission to spend. ➡︎ budgetbesties.com/budget 

4️⃣ Private 1-on-1 Coaching – Get a plan and a coach. We’ll build your full budget system together, so you always know what to do and feel confident doing it. ➡︎ budgetbesties.com/coaching 

5️⃣ Be on the Podcast – Free coaching, real convo. Come chat with us on the show! Get real-time financial coaching and help other women by sharing your story. ➡︎ budgetbesties.com/livecall 

"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!

Snag Our Simplified Budget System!

2024 seems like a good year to break free from the paycheck to paycheck cycle. Listen for ten tips we have that can help you today, everything from mindset to actual things to do with your money, bank accounts and habits!

Here are some key highlights:

• Mindset Shifts

  • It's often not as bad as it seems: Overcoming mental barriers
  • The importance of a tangible budget: Seeing is believing

• Key Strategies

  • Conduct a 90-day spending review: Uncover surprising expenses
  • One-Page Budget Template: Simplify budgeting
  • Embrace being a beginner: B-minus work is okay!

• Automating Finances

  • Benefits: Time-saving, avoiding late fees, sticking to the budget
  • The concept of a financial "straight jacket"

• Income Management

  • Change the mindset: From paycheck-focused to monthly income planning
  • Consistent allocation for expenses: Groceries, savings, etc.

• The Paycheck Plan

  • Adopt healthy financial habits: Consistency and predictability
  • Zero-based budgeting: Every dollar has a job

• Avoiding Impulse Shopping

  • Impulse shopping pitfalls: Budget disruption and misaligned priorities
  • Strategies to resist: Delaying gratification, prioritizing bigger goals

Connect With Us: 

1️⃣ Facebook Group – Join the community. Our free group is where the real talk happens. Connect with other women who are learning how to budget, save, and finally feel in control, together. ➡︎ budgetbesties.com/facebook 

2️⃣ Automate Your Budget Masterclass – Watch it now, no waiting. This FREE on-demand training shows you how to set up a budget that matches your lifestyle, without tracking every dollar or feeling restricted. ➡︎ budgetbesties.com/automate 

3️⃣ Budget – Grab our Simplified Budget System! You don’t need another budget, you need a system that does the math, makes the plan, and gives you permission to spend. ➡︎ budgetbesties.com/budget 

4️⃣ Private 1-on-1 Coaching – Get a plan and a coach. We’ll build your full budget system together, so you always know what to do and feel confident doing it. ➡︎ budgetbesties.com/coaching 

5️⃣ Be on the Podcast – Free coaching, real convo. Come chat with us on the show! Get real-time financial coaching and help other women by sharing your story. ➡︎ budgetbesties.com/livecall 

"I love Shana & Vanessa and this podcast is amazing!" 👈🏻 If that sounds like you… ✨ Please take a second to rate & review the show! It helps us reach more people—just like you—who are ready to change their financial future. 🔔 Don’t forget to follow so you never miss an episode! 💌 And if you're feeling extra generous, share this podcast with a friend who needs it. We’d be so honored. 🙌

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!

Snag Our Simplified Budget System!

Welcome to a new world of financial ease with the Paycheck Plan – your pathway to financial liberation!

In this exciting episode, we unveil the secrets of our exclusive Paycheck Plan, a strategy designed to revolutionize the way you handle your finances every payday. This isn't just about managing your money; it's about transforming your relationship with it. Get ready to witness your savings flourish, your debts dwindle, and embrace the financial freedom you've always desired.

Introduction to the Paycheck Plan:

Discover the intricacies of the Paycheck Plan and its role in reshaping your financial habits.

Learn how it simplifies the management of savings, spending, and debt payments.

The Role of Our Signature Budget Template:

Explore how our custom budget template can streamline your financial planning.

Understand its value and compare it to other significant investments in life.

Implementing the Paycheck Plan:

Get a step-by-step walkthrough on how to put the Paycheck Plan into action.

Delve into the principles of zero-based budgeting and its advantages.

Client Success Stories:

Hear about various personal approaches to the Paycheck Plan.

Real-life examples show how the strategy can be adapted for monthly, bi-monthly, and weekly finances.

Connect With Us: 

1️⃣ Facebook Group – Join the community. Our free group is where the real talk happens. Connect with other women who are learning how to budget, save, and finally feel in control, together. ➡︎ budgetbesties.com/facebook 

2️⃣ Automate Your Budget Masterclass – Watch it now, no waiting. This FREE on-demand training shows you how to set up a budget that matches your lifestyle, without tracking every dollar or feeling restricted. ➡︎ budgetbesties.com/automate 

3️⃣ Budget – Grab our Simplified Budget System! You don’t need another budget, you need a system that does the math, makes the plan, and gives you permission to spend. ➡︎ budgetbesties.com/budget 

4️⃣ Private 1-on-1 Coaching – Get a plan and a coach. We’ll build your full budget system together, so you always know what to do and feel confident doing it. ➡︎ budgetbesties.com/coaching 

5️⃣ Be on the Podcast – Free coaching, real convo. Come chat with us on the show! Get real-time financial coaching and help other women by sharing your story. ➡︎ budgetbesties.com/livecall 

"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!

Book A Free Financial Coaching Call!

In this episode, we highlight a range of our clients' success stories to inspire listeners on their financial journey. From clients on food stamps now planning cash-funded trips to Europe, to clients on a $5,000 budget efficiently funding their living and saving for home improvements, these financial victories show that budgeting and winning with money is possible for everyone! We also discuss the importance of having both partners involved in the financial planning process, the power of automation, and how to thrive on any income level by cultivating the right mindset. Lastly, we emphasize the value of investing in yourself and taking that step towards financial coaching - remember, whether it's much or little, it's how you use what you have that counts!

Key Points:

🔹 The story of a recently divorced woman who mastered budgeting and paid off her debt, all while funding a GLAM UP budget!

🔹Discover how a client transformed their approach to shopping, realizing the impact of their spending habits and making significant changes.

🔹 Insights into a business owner's journey to organize personal and business finances, shifting from credit dependence to cash-based budgeting.

🔹 The transformation of a client who saved thousands by re-quoting insurance and getting their business finances in order.

🔹 Learn how a couple, initially at odds with their spending habits, came together to create a unified financial strategy.

🔹 A deep dive into how shifting from credit card dependency to cash can revolutionize your financial perspective and success.

🔹 The story of a single mom's journey from food stamps to funding a European trip with her daughter.

🔹 How different income levels ($1,300 vs. $17,000 a month) can both find success through tailored financial coaching.

🔹 Exploring the power of automated savings and the impact of mindset in financial success.

Listen in and get inspired to make impactful changes in your financial life. Remember, it's not just about managing money; it's about empowering yourself for a better future.

Connect With Us: 

1️⃣ Facebook Group – Join the community. Our free group is where the real talk happens. Connect with other women who are learning how to budget, save, and finally feel in control, together. ➡︎ budgetbesties.com/facebook 

2️⃣ Automate Your Budget Masterclass – Watch it now, no waiting. This FREE on-demand training shows you how to set up a budget that matches your lifestyle, without tracking every dollar or feeling restricted. ➡︎ budgetbesties.com/automate 

3️⃣ Budget – Grab our Simplified Budget System! You don’t need another budget, you need a system that does the math, makes the plan, and gives you permission to spend. ➡︎ budgetbesties.com/budget 

4️⃣ Private 1-on-1 Coaching – Get a plan and a coach. We’ll build your full budget system together, so you always know what to do and feel confident doing it. ➡︎ budgetbesties.com/coaching 

5️⃣ Be on the Podcast – Free coaching, real convo. Come chat with us on the show! Get real-time financial coaching and help other women by sharing your story. ➡︎ budgetbesties.com/livecall 

"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!

Snag Our Simplified Budget System!

Welcome to our special year-end episode where we guide you through a comprehensive financial review of 2023. Get ready to reflect, celebrate, and even shed a tear or two as we prepare to welcome 2024 with a solid financial plan.

Grab your checklist at https://www.budgetbesties.com/yearendchecklist and let’s dive in!

Highlights of the Episode:

1. Pause and Reflect: Take a moment to look back at 2023. What financial strides did you make? What lessons did you learn? Reflecting on the past year is crucial for setting realistic and impactful goals for the new year.

2. Budget Review: Examine your spending habits. Did you stick to your budget? Where did most of your money go? Understanding your spending patterns is key to making informed decisions in 2024.

3. Debt Assessment: Review your debts. Celebrate the debts you've paid down and plan strategies for those still pending. Remember, every small step towards debt reduction counts!

4. Savings Goals Check-in: Did you meet your savings goals? Understanding what worked and what didn’t will help set more achievable goals for the coming year.

5. Organize Financial Records: A great time to declutter and organize your financial documents. A clean slate leads to a clear mind!

6. Credit Report Review: Ensure all information is accurate and up-to-date. Regular checks can prevent surprises and keep you informed about your financial health.

7. Insurance Policy Review: Check if your current policies still meet your needs. Changes in life circumstances can often lead to necessary adjustments in coverage.

8. Retirement Contributions: Are you maximizing your retirement contributions? Adjusting your contributions can significantly impact your long-term financial health.

9. Charitable Contributions: Consider making year-end charitable contributions. It’s a great way to give back and can also offer tax benefits.

10. Financial Dreaming: Set aside time to dream big and plan for the future. What do you want to achieve financially in 2024? Dreaming big is the first step to achieving big!

11. Acknowledge Your Wins: Celebrate your financial successes, no matter how small. Acknowledging these wins builds confidence and motivation for the future.

Reflect on the past, plan for the future, and remember to acknowledge and celebrate your financial achievements.

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