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.

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!

Hey there, budgeting besties! Are you ready to dive into the new year with a solid financial plan? If you haven't crafted your January budget yet, you're in the perfect place! Just like nurturing loyal customers after a successful digital course, managing your finances requires engagement, strategy, and a forward-thinking mindset. In this episode, we're going to unfold the secrets to a powerful January budget, setting you up for a prosperous start to the year.

Reviewing December

• Importance: Understanding past spending, especially during the holiday season.
• Tips: Adjust budgets based on actual expenses, learning from any overspending.

January Budget Planning, Five Essential Components:

• Income: Adjust for any new year changes.
• Debts: Include any holiday spending and plan for repayment.
• Bills: Account for new subscriptions and winter utility changes.
• Spending: Review and adjust discretionary categories.
• Savings: Update goals and start year-long saving habits.

Special January Considerations

• Debt Management: Tips for addressing holiday debt.
• New Year Resolutions: Incorporating health and wellness goals into your budget.
• Tax Preparation: Planning for the upcoming tax season.
• Savings Goals: Setting targets for the new year.

Client Stories & Practical Tips

• Real-life experiences: Learn from client stories on budget adjustments and savings strategies.

Call to Action: Grab the free one-page budget template at budgetbesties.com/budgettemplate to kickstart your January budgeting journey.

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!

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!

Hey there, budget besties! In this power-packed episode, we're diving deep into the world of budgeting and spending habits. Whether you're a budgeting pro or just starting out, we've got some golden nuggets of advice that are sure to help you take control of your finances like never before.

We're not just talking theory here – these are practical, real-world strategies that have worked for us and countless others. So grab your notepad, and let's jump into the key takeaways from today's episode:

• 8:26 - The Perfect Time to Start Budgeting: We talk about why there's no better time to start budgeting than now. Don't wait for a 'perfect' financial month; the best time is always the present.

• 13:53 - Understanding Your Spending Habits: Get insights into how analyzing your bank and credit card statements can reveal a lot about where your money is going.

• 21:03 - Creating a Personal Spending Budget: We discuss the concept of 'pocket money' – a budget for guilt-free spending within limits, balancing enjoyment with responsibility.

• 24:34 - The Downside of Credit Cards: Learn about the pitfalls of relying too much on credit cards and the psychological benefits of using cash.

• 26:25 - Comparing Budgeting Approaches: We compare our flexible, personalized approach to budgeting with more rigid methods like those advocated by Dave Ramsey.

Remember, understanding and controlling your spending is key to financial empowerment. It's not just about cutting back – it's about making smarter choices and knowing where your money is going.

Ready to Elevate Your Financial Savvy? Grab your earbuds and a cozy cup of coffee, and settle in for a deep dive into mastering your finances. Tune into our episode now for insights and strategies that will transform the way you view and manage your money. It's time to turn those budgeting challenges into triumphs!

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!

Episode Summary: In this episode, we tackle the all-too-common issue of living paycheck to paycheck. They delve into the mindset and behaviors that keep many of us trapped in this cycle and share practical tips to break free. Whether you're making good money or just starting out, they offer strategies to help you manage your finances better, set big goals, and ultimately achieve financial clarity and freedom.

Key Points:

1. Understanding Paycheck to Paycheck Living:

   • Definition and common scenarios.
   • The stress and limitations it brings.

2. Common Mistakes That Keep You Stuck:

   • Relying on a single bank account for all transactions.
   • Focusing on paychecks rather than monthly budgeting.
   • Lifestyle inflation without intentional planning.
   • Relying on credit cards as a budgeting tool.

3. Recognizing the Signs:

   • Waiting to pay bills until payday.
   • Splitting bills due to lack of funds.
   • Constantly checking the bank account balance.
   • Spending every dollar before the next paycheck.

4. Steps to Break the Cycle:

   • Conduct a 90-day review of your finances.
   • Set inspiring, big-picture goals.
   • Create a budget that includes income, debt, bills, spending, and savings.
   • Separate accounts for bills and spending.
   • Develop a consistent paycheck plan.

5. The Importance of Intentional Spending:

   • Avoiding unregulated lifestyle inflation.
   • Setting up savings buckets for intentional spending.
   • Learning to enjoy financial stability over the allure of credit card points.

Book A Free Financial Coaching Call!

Today, we delve into a relatable and often challenging topic: convincing your spouse to embrace financial coaching. This conversation extends beyond just managing finances; it's about understanding and addressing the deeper issues that arise when spouses disagree on important decisions like financial coaching.

Key Points:

• Understanding Resistance: We start by recognizing that hesitation towards financial coaching often originates from more profound relationship issues, particularly around decision-making and shared goals.
• The First Hurdle - Financial Commitment: We discuss the common perception of financial coaching as a mere expense versus an investment in the family's future, emphasizing the long-term benefits of this investment.
• Privacy Concerns: Addressing common fears about privacy and the discomfort in discussing finances openly, we assure listeners that the process is confidential and non-judgmental.
• Shame and Responsibility: This segment delves into the feelings of shame and failure, especially prevalent among men who feel responsible for their family's financial well-being. We encourage seeing this step as a courageous act of taking control and changing the family's financial path.
• Transformative Stories: Sharing real-life client stories, we illustrate the impactful results of overcoming initial resistance and achieving significant financial milestones.

--

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!

We're beyond thrilled today as we chat with the extraordinary Kali Brigham, a role model in balancing career, family, and personal growth. Kali is not just a business savant but also a dedicated mom, a wife, and an accomplished violinist. Her journey from being a top TV producer to achieving the number one spot in Mary Kay in 2020, all while nurturing her faith and family, makes her the perfect guest to dive into the art of time management.

Key Points Discussed:

1. Balancing Multiple Roles: Kali shares her experience in handling various roles, offering valuable insights for our audience of busy moms and entrepreneurs.
2. Time Management Techniques: Learn about the "Sunday brain drain" and other practical tips for organizing your week.
3. Setting Priorities: Kali emphasizes the importance of aligning activities with personal and family values.
4. Delegating Effectively: Discover how to identify tasks that can be delegated to others, including family members.
5. Maintaining Personal Well-being: Kali stresses the significance of self-care and setting aside time for personal rejuvenation.

Kali's approach to time management is a blend of practicality and wisdom. Her strategies are not just about managing schedules but also about understanding the deeper implications of our choices on our personal and professional lives. This episode is a treasure trove of advice for anyone looking to balance the demands of work, family, and self.

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Be sure to get your FREE BRAIN DRAIN and WEEKLY PLAN SHEET printable HERE

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 Join the Perfect-ish Tribe: Click HERE to become part of Kali's vibrant community on Facebook.

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 Tune In--- Subscribe, Rate, and Share: If you find value in this episode, be sure to subscribe, rate, and share the Tick Talk Podcast. Help us spread the wisdom of intentional time mastery.

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Check out more about Kali: www.kalibrigham.com.

Let's chat: hello@kalibrigham.com.

DM on IG: @kali.brigham

Stay Inspired: Kali's story is a testament to the power of intentional living. As you navigate your busy life, remember her advice to prioritize, delegate, and most importantly, cradle the things that matter most.

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 another episode of "Business Besties," the unrequested yet wholly delightful podcast where we share our journey as business partners and best friends. In today's episode, we're diving into some memorable moments from our four-year journey, discussing our realizations, funny memories, and how we celebrate our successes.

Learn More About The ONLY Business Bank We Recommend!
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!

Today, we're super excited to share our personal Christmas lists and gift ideas. With the holiday season in full swing, it's the perfect time to get inspired for your own shopping or wish list.

First, a quick reminder: if you're still planning your holiday budget, grab our Christmas Budget Planner at budgetbesties.com/2023Christmas. It's an excellent tool to keep your finances in check during this festive season.

You can see our entire list here.

Now, let's dive into our lists!

What We're Asking For This Christmas:

Vanessa:

1. Standing Mat: Essential for our at-home client sessions. It helps keep the backaches at bay while standing.

2. Shower head Filter: A step towards cleaner, softer water. It's a budget-friendly alternative to a full home filtration system.

3. Kitchen Makeover: A big wish! Including new kitchen lights, a large beam, and bricking an archway. A combined gift for Vanessa and her husband, Marc.

Shana:

1. Planners: The full focus planner is a must-have for staying organized.

2. AirPods: A replacement for her malfunctioning ones.

3. Running Shoes: Shana prefers Topo shoes for their wide toe box and minimal cushioning.

4. Multi-Device Charging Stand: To keep all gadgets in one place without the clutter of cords.

What We're Gifting This Year

Vanessa:

1. Durable, Cute Lunchboxes for Our Daughters: Functional and stylish, perfect for school.

2. Earrings: A personal favorite, Vanessa loves gifting unique earrings.

3. Xbox Controllers for Her Son: An inevitable need with avid gamers in the house.

4. Pet Carrier: For safer four-wheeler rides with her dog.

Shana:

1. Flashlight: It's the Ultimate Flashlight Dad will absolutely love!

2. Carseat Gap Filler: It fits between the carseat and console so things don't get lost in the abyss ever again.

3. Kid-size YETI Water Bottle: It's tougher than any other water bottle AND it fits in cup holders!

4. Pop It Tetris Puzzle: Super-affordable, compact, durable, and oh-so-satisfying, this silicone sensory game is a hit from kids to adults.

Remember, the key to a great Christmas gift is thoughtfulness and utility. Our choices this year reflect our personal preferences and practical needs, and we hope they inspire you too.

Snag Our Simplified Budget System!

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!

Hey there, listeners! 🎧 In today's episode, we're diving into a topic that's crucial for your financial health: understanding the difference between accounting and budgeting.

🔍 What's the Deal with Accounting and Budgeting?

- Accounting: It's all about looking back. Think of it as your financial rearview mirror, showing you where your money went. But here's the thing, it's past tense. It's great for business, taxes, and getting a snapshot of what happened.

- Budgeting: This is your financial roadmap! It's future-focused, helping you plan every dollar before you spend it. Budgeting is about setting goals, avoiding debt, and making your money work for you.

🌟 Why Budgeting Rocks:

- Take Charge: With budgeting, you're in the driver's seat. You decide where your money goes, from the first to the last dollar.

- Goal Setting: Whether it's paying off a card or saving for a vacation, budgeting makes these dreams achievable.

- Avoid Debt: Budgeting helps you plan for big expenses and avoid the debt trap.

- Peace of Mind: Knowing exactly what you have for groceries, fun, or savings reduces stress and chaos.

🤔 Why Bother with Accounting?

- While we love budgeting, accounting has its place too! It's essential for business operations, tax purposes, and reflecting on your spending habits to make better future budgets.

🎯 Taking Action:

- Get Organized: Use tools like our Signature Budget Template to track your assets, debts, and future budgets.

- Reflect and Adjust: At month-end, compare your budget with actual spending to fine-tune your next month's plan.

- Set and Review Goals: Regularly check your progress towards your financial goals.

Budgeting isn't just about numbers; it's about empowering you to take control of your financial future. Remember, it's not just theory; it's about real-life changes that make a difference. So, grab that budget template and start your journey to financial clarity!

📣 We'd Love to Hear from You!

Share your success stories or questions with us. Your experiences could shape our next episode! Reach out at [your podcast email/website].

Stay tuned, and let's make those financial dreams a reality! 💪💰🌈

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!

We're chatting with Catherine, a super mom and special ed teacher who's been rocking a side gig in copywriting. We're diving into her inspiring journey of turning financial chaos into calm.

Catherine's World: Catherine juggles a demanding teaching career with her creative side hustle in copywriting, all while being a mom to two adorable, energetic little ones. It's a life filled with love, laughter, and, let's be honest, a bit of chaos too.

The Lightbulb Moment: Picture this: Catherine, just like any of us, stumbles upon our podcast-specifically an Impulse Spending episode. It sparks something in her. She's dealing with rising daycare costs that are giving her sleepless nights. She thinks, “Enough is enough,” and decides it's time for a change.

Budgeting Like a Boss: Here’s where Catherine turns things around. She starts by mapping out where her money is going (and where it needs to stop going!). She sets some real goals, giving every dollar a job. It’s not just about cutting back; it’s about making smart choices.

Sinking Funds to the Rescue: Catherine introduces us to her game-changer strategy: savings buckets. Think of these like little pots of gold for different needs – one for daycare, another for those unexpected 'oops' moments, and even one for celebrating the good times, guilt-free.

Tackling Daycare Like a Pro: So, daycare costs are soaring, right? Catherine doesn't just throw her hands up. She tweaks her budget, making room for this non-negotiable expense. Her daycare sinking fund becomes her peace of mind, ensuring her kiddos get the care they need without breaking the bank.

Kissing Impulse Buys Goodbye: We've all been there – those little purchases that add up. Catherine shares her secret sauce: mindful shopping. She starts asking herself, "Do I really need this, or is it just a 'want'?" Plus, switching to cash makes her think twice before splurging.

Life on the Brighter Side: Catherine's not just surviving; she's thriving. Less worry about bills means more quality time with her family. She’s feeling confident and in control, setting an amazing example for her kids on how to handle money with grace.

Catherine's Heartfelt Advice: To anyone feeling overwhelmed with their finances, Catherine’s got your back. She says, "Face it head-on. Get help if you need it. Trust me, it’s worth it."

---

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!

Your wallet is more than a fashion accessory; it's a tiny window into your financial soul. Today, we're stirring up the age-old debate of cash versus cards. It's a showdown that goes beyond convenience and taps into your financial psyche. Are you ready to journey into the heart of your spending habits? Whether you're a staunch supporter of cash or a card-carrying member, we've got some intriguing insights for you!

• Cash or Cards? We're getting real about credit cards, debt power, and the charm of cash. It's all about what these choices mean for your wallet and financial health.

• Credit Card Real Talk: We spill the beans on credit cards – they're not just plastic, but a gateway to debt if not managed wisely.

• The Cash Appeal: There's something about cash that just feels right, doesn't it? We discuss why it might be your wallet's best friend for better budget control.

• Practical Wallet Wisdom: We share tips on what to carry in your wallet to keep your spending in check. Spoiler alert: It's not just about what's trendy.

• Your Money, Your Way: We're all about making finance fun and manageable. So, whether you're team cash or team card, we've got some golden nuggets for you.

And that's a wrap on our wallet wisdom session! Remember, whether it's cash or cards, it's all about how you use them. Stay smart and keep slaying your financial 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 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!

Are you one of those people who start a budget with the best intentions but just can’t seem to stick to it? If that sounds familiar, this episode is for you. We're diving deep into the world of budgeting, debunking myths, and offering real, tangible solutions to your budgeting struggles.

In This Episode:

- 00:02:15: The truth behind why many of us fail at sticking to a budget and practical steps to change that.

- 00:06:30: Strategies for managing fluctuating incomes – a must-hear for freelancers and those with variable earnings.

- 00:12:20: Preparing for 'unexpected' expenses – they might not be as unpredictable as you think.

- 00:18:45: Balancing indulgences and mindful spending – finding harmony in your financial life.

- 00:25:00: Keeping the motivation alive – tips to maintain momentum in your budgeting journey.

Key Moments:

- Debunking Budgeting Myths: We're tackling common misconceptions about budgeting and setting the record straight.

- Navigating Variable Incomes: Tips and techniques for creating a flexible budget that works with an inconsistent income.

- Anticipating the Unanticipated: Turning sudden expenses into planned events and eliminating financial surprises.

- Mindful Indulgences: How to enjoy your earnings without derailing your budget goals.

- Staying Motivated: Techniques to keep your budgeting journey fresh and focused, ensuring you stay on the path to financial freedom.

Conclusion:

Budgeting isn't about cutting back on everything you love; it's about making smart choices that align with your goals. So, hit play, get inspired, and start transforming your financial future today!

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!

Grab our free, one page, printable budget template here.

Get ready to tackle your December budget with us! In this episode, we chat about how easy it is to slip up with our budgets, especially as the year winds down. We'll walk you through the ins and outs of setting up a solid December budget. From peeking back at November's oops moments to planning for the holiday splurge, we've got you covered. Plus, we've got a super handy one-page budget template just for you!

What We Talk About:

1. Oops, November Happened! – We all trip up sometimes, right? We look at why some budgets just didn't stick in November and how to bounce back for a better December.

2. Taking a Quick Look Back – Why it's crucial to peek at last month's spending (even if it hurts a bit) to make wiser choices ahead.

3. December Budgeting 101 – Step-by-step guidance on crafting your December budget before the month kicks off. Avoid the financial scramble and get ahead of the game!

4. Your Budgeting Lifeline – Dive into our easy-peasy one-page budget template available at budgetbesties.com/budgettemplate. Budgeting made simple and stress-free!

5. Income & Expenses Shuffle – How to tweak your budget to reflect December's unique income changes and unexpected expenses.

6. Holiday Spending and Saving Tips – Navigate through Christmas expenses, travel costs, and even saving for upcoming fun in the sun next spring break.

7. Goal Setting for December – Let's set some achievable, budget-friendly goals for this festive month. Whether it's cutting back on debt or saving for something special, we've got strategies to share.

Snag Our Simplified Budget System!

#### Timestamps:

- [00:00:30] – Diving into December budgeting

- [00:02:15] – Reflecting on November's budget blunders

- [00:04:00] – Crafting your December budget step by step

- [00:06:20] – Shoutout to our one-page budget template

- [00:08:10] – Adjusting for December's financial quirks

- [00:10:45] – Smart tips for holiday spending

- [00:13:30] – Setting up December goals

#### Wrapping Up:

Remember, a budget mishap isn't the end of the world. Each new month, like December, is a fresh chance to get your finances in tune. With a little planning and our trusty budgeting tips, you're all set to end the year on a high note!

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!

The holiday season is here, and with it comes the challenge every festive shopper faces: the Christmas budget. In today's episode, we dive deep into the art of budgeting for the holidays, whether your plan is to spend $500 or $5,000. We understand that budgeting for Christmas can often feel overwhelming, but we're here to guide you through it, step by step.

In This Episode, You’ll Discover:

1. Why Budgeting for Christmas is Crucial:

• Exploring the importance of a well-planned budget during the festive season.
• Balancing your holiday aspirations with financial reality.

2. Community Insights on Christmas Spending:

• Results from our Facebook group poll about holiday budgets.
• Analysis of spending trends and frugal strategies.

3. Real vs. Perceived Spending Habits:

• Breaking down Google's average spending statistics.
• A realistic look at gift budgets for family, friends, and coworkers.

4. Strategies for Smart Budgeting:

• Determining what you can realistically afford to spend.
• The importance of staying debt-free and living within your means.

5. Personal Budgeting Stories:

• Real-life examples of how our clients are approaching their holiday spending.
• Emphasizing experiences and memories over material gifts.

Why You Should Listen:

If you're wondering whether to stick with your current Christmas spending habits or shift gears, this episode is for you. We'll provide you with the tools and insights to make informed decisions about your holiday budget, ensuring a festive season that's both joyful and financially sound.

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 Signature Budget Template!

In this episode, we sit down with Budget Bestie Natalie, who’s navigating the tricky waters of paying off debt while managing investments. They discuss strategies for handling 401k loans, the pros and cons of selling stock to pay off debt, and the importance of sticking with long-term investments.

Key Points Discussed:

1. 401k Loan Payoff:

   • Natalie’s excitement about paying off her 401k loan by October.
   • The unexpected tax issues that delayed the payoff.

2. Investment Decisions:

   • Natalie’s work-provided stocks and whether to sell them to pay off debt.
   • The wisdom of keeping investments intact for long-term growth.
   • Shana shares a personal story about her grandfather’s Walt Disney stock.

3. Debt Payment Strategies:

   • Why using investments to pay off debt is usually not recommended.
   • The pitfalls of short-term fixes like 0% credit card transfers.
   • The importance of addressing the root causes of debt, such as spending habits and mindset.

4. Snowball vs. Avalanche Method:

   • Comparing debt repayment methods.
   • When to prioritize high-interest debt over larger payments like car loans.

5. Budget Adjustments:

   • Handling a negative monthly budget.
   • Balancing necessary savings with debt payments.
   • Practical tips for contacting creditors to negotiate lower interest rates.

6. Group Coaching Benefits:

   • Natalie’s positive experience with group coaching.
   • The value of a supportive, non-judgmental community.
   • How group coaching provides diverse perspectives and accountability.

Actionable Takeaways:

• Focus on keeping investments for long-term growth unless they’re underperforming significantly.
• Tackle high-interest debts first to minimize overall interest paid.
• Review and adjust your budget regularly to accommodate changing expenses, such as back-to-school costs.
• Consider group coaching for support, accountability, and diverse financial strategies.

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!

Welcome to another delightful episode of "Business Besties," where we blend personal stories, business insights, and a touch of humor. Today, we're diving into everything from our questionable fashion choices to tackling big business hurdles, and even sharing our secrets to maintaining work-life balance.

1. The First Big Hurdle as Business Partners (00:08:20)

- Listen to our story about the first major obstacle we faced in our partnership and the valuable lessons we learned from it.

2. Balancing Business with Family Life (00:16:35)

- Discover how we juggle the demands of being entrepreneurs, mothers, and wives, and our strategies for meaningful family time amidst busy schedules.

3. Debunking Budget Myths (00:24:10)

- We tackle common misconceptions about budgeting and finance, sharing insights that could change the way you handle money.

4. Indulgences and Guilty Pleasures (00:33:50)

- From YouTube shorts to dining out, we reveal our personal indulgences that bring joy and relaxation.

5. Fashion on a Budget: Tips from Non-Fashionistas (00:41:25)

- Hear our practical tips on looking put together without breaking the bank, including how to choose timeless pieces and care for your clothes.

Learn More About The ONLY Business Bank We Recommend!

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!

Hey there, Holiday Enthusiasts!

Are you feeling the Christmas crunch? In this final episode of our 2023 gift-giving series, we're diving deep into the world of holiday budgeting. We know that planning for Christmas can be overwhelming, but don't worry, we've got your back! Get ready to turn your festive stress into financial success.

In Today's Episode, We're Exploring:

1. The Art of Christmas Budgeting:

- Understanding the importance of a well-crafted budget for a peaceful holiday.

- Techniques to avoid common financial pitfalls during the festive season.

2. Your Holiday Budget Planner: A Game Changer:

- Introducing our comprehensive planner to manage your holiday expenses seamlessly.

- Discover how to budget for everything – from gifts and travel to food and decorations.

3. Pro Tips for Last-Minute Savers:

- Practical advice for those who've waited until the last minute to save.

- Strategies to start saving for next Christmas, starting now.

4. Reflecting on Last Year’s Spending:

- Learn from the past to improve your future holiday budgeting.

5. Gift Giving Without Breaking the Bank:

- Navigate the gift-giving season with our expert budgeting advice.

- Creative and cost-effective solutions for wrapping and gifting.

6. Feasting and Travel on a Budget:

- How to plan your holiday meals and travel without overspending.

7. Economical and Creative Decor Ideas:

- Deck your halls without draining your wallet: budget-friendly decorating tips.

8. Looking Back and Moving Forward:

- Post-holiday reflections to make your next Christmas even better.

Join us in this episode as we unwrap the secrets to a financially savvy and delightful holiday season. Let's make this Christmas not just merry, but smart and budget-friendly too! 🌟🎅🛍️

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!

🎉 Hey, Amazing Listeners! Are you ready to ditch the holiday gift-giving headache this season? Tune in to this super fun and insightful episode where we tackle the all-too-common holiday chaos head-on with systems!

What's in Store for You:

1. The Holiday Hustle - Real Talk: We get it, friends - the holiday season can be a budget buster and a confusion cauldron! But guess what? You're not alone, and we've got your back!
2. Gift-Giving: Systemized & Simplified: We're sharing our personal life hacks to make gift-giving a breeze – think easy, breezy, lemon squeezy, but with a meaningful twist!

Our Top Picks for a Stress-Free Holiday:

• Picking Names: Great for large families to reduce financial and mental load.

• Recurring Gifts: The joy of giving the same cherished item each year.

• Bulk Buying: A strategy to save time and money, adding a personal touch.

• Themed Gifts: Creating gifts around a central theme for uniformity.

• Kids-Only Gifts: Focusing the budget and efforts on children.

• Creating Wishlists: Ensuring gifts align with recipients' wishes.

• Charity Gift Giving: Opting to give to charities instead of physical gifts.

Sneak Peak Quotes:

• "We don't have the brain calories for all that [holiday confusion]." - Real talk about holiday stress.
• "You know exactly when and how much you're supposed to be spending." - Simplifying the budgeting puzzle.

Wrapping Up with Love:

Remember, gift-giving should be as joyful as those holiday jingles. Let's make it fun, meaningful, and totally doable this year. And don't forget to grab that budget system - it’s a lifesaver!

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 back to our Christmas Budgeting Series! In today’s episode, we're embracing the minimalist mantra of "less is more" in holiday gifting.

Episode Highlights:

• Ditching Dust Collectors: We discuss moving away from 'just because' gifts that end up as clutter.

• Value Over Volume: How to choose gifts that add to the life of the recipient rather than their piles of stuff.

• Curio Cabinet Cautionary Tales: We share personal stories about the well-intentioned gifts that become dusty displays, and how we can learn from them.

Today's Takeaway:

Opt for gifts that are meaningful and will be used. We're decluttering one meaningful present at a time!

Defining Clutter-Free Gifts:

We define what a clutter-free gift really means and how to ensure your gifts don’t end up in the graveyard of unwanted items.

Clutter-Free Gift Ideas:

1. Experience Gifts: Tickets to amusement parks, bowling alleys, escape rooms, or movie nights.

2. Memberships & Subscriptions: Disney Plus, Hallmark movie subscriptions, Audible, gym memberships, and meal planning services.

3. Service Gifts: Spa days, haircuts, personal chef services, car detailing, or even financial coaching.

4. Consumables: Gourmet mustards, coffee, chocolates, essential oils, and soaps—gifts that can be enjoyed and used up.

5. Classes: Art, dance, martial arts, cooking, or scuba lessons—perfect for engaging and expanding horizons.

Resources:

Check out our podcast series webpage for our full list of 100 clutter-free gift ideas and our Christmas budget planner.

We hope these clutter-free gift ideas inspire you to give presents that will be cherished without adding to the clutter. Tune in tomorrow for more festive insights in our holiday series!

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!

Get The Christmas Budget Planner & 100 Clutter-Free Gift Ideas Here

Welcome to our Christmas Budgeting Series! In this episode, we're diving into the world of budget-friendly Christmas gifts. We'll explore how you can keep your holiday season joyful and your wallet happy.

Key Ideas:

1. Budgeting for Gifts: Learn how to plan, shop, and buy gifts with intention while staying on budget.

2. Creative Gift Strategies: Discover how limitations can spark creativity in your gift-giving.

3. Empowering Kids with Budgeting: Hear about the joys and lessons learned from letting kids shop for gifts within a budget.

4. Handmade Gifts: Get inspired by a variety of crafty and personal gift ideas like wood-burned utensils, puzzle blocks, and kitchen towels.

5. Baking Gifts: Explore the warmth of sharing homemade baked goods as heartfelt gifts.

6. Coupons and Service Gifts: Understand how coupons for services or special privileges can be a meaningful gift.

7. Plant Clippings: Learn how a simple plant clipping can become a cherished gift.

8. School Pictures as Gifts: Rediscover the classic charm of giving school pictures as a personalized gift.

9. Budgeting Strategies: Gain insights on price matching, avoiding impulse buys, and gifting experiences to save money.

Actionable Tips:

• Encourage your kids to participate in gift-giving with a small budget.
• Consider handmade gifts for a personal touch.
• Use baking as a fun and affordable gift-giving option.
• Remember the value of coupons and service-oriented gifts.
• Embrace the simplicity and beauty of gifting plant clippings.

Resources:

Visit the series website for downloadable resources, including a Christmas budget planner and a list of 100 clutter-free gift ideas.

Snag Our Simplified Budget System! We hope these ideas inspire you to give meaningful and budget-friendly gifts this Christmas. Stay tuned for more episodes in our Christmas Budgeting Series, where we'll continue to explore creative and cost-effective ways to celebrate the season.

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!

In this episode, we sit down with Erica, a dedicated Christ follower, wife, mother, and life coach specializing in helping anxious and overwhelmed Christian women. Erica shares her journey and insights on how a strong faith and understanding of the Bible can transform our approach to finances and time management.

Key Points:

1. Erica’s Personal Journey: How her faith and trust in God's word helped her overcome financial struggles and life challenges.
2. The Biblical Approach to Finances: Understanding the importance of aligning financial decisions with spiritual values, prioritizing tithing, and being a steward of God’s gifts.
3. Overcoming Worldly Mindsets: Erica discusses shifting from a worldly to a biblical perspective on finances, emphasizing the eternal impact of our decisions.
4. Practical Steps for Financial Management: The ARC Method (Assess, Release, Create) and its application in developing a healthier financial lifestyle.
5. Challenges in Coaching: Addressing common obstacles and fears that Christian women face in managing finances and priorities.
6. The Role of Faith in Financial Decisions: How prayer, gratitude, and biblical principles can guide financial choices and priorities.

Notable Quotes:

• “My mission is to get more women in the word of God because it is transformative.”
• “Where your treasure is, there your heart is also.”
• “It's not just about managing finances; it's about stewarding the resources God has given us.”

Resources Mentioned:

• Erica's Podcast: Her Renewed Strength
• Online Course: On Heaven’s Timeline
• Erica’s Community Workshops on Bible Study and Time Management

Connect with Erica:

• Website: Her Renewed Strength
• Podcast: Her Renewed Strength Podcast

Erica's insights remind us that our financial decisions are not just practical choices but reflections of our faith and priorities. Her approach to combining biblical wisdom with practical financial management offers a unique perspective for anyone seeking to align their finances with their faith.

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!

Hey, financial fabulistas! Get ready to dive into the rollercoaster🎢 world of money. Today, we're diving into seven oh-so-common money traps that we ladies often fall into – and how to sashay 💃 around them like the financial queens we are! Let's turn your financial journey from "meh" to "marvelous" with some real-talk advice and actionable steps!

👛 Mistake 1: The 'Budget? What's That?' Blunder

- Let's chat about why budgeting feels like a monster under the bed and how avoiding it can really throw your wallet off balance.

- Solution Station: Let’s buddy up with budgeting! We’ll show you some super simple, downright fun tools and templates that make budgeting feel like a breeze.

💸 Mistake 2: The 'I Thought I Had More' Miscalculation

- Ever felt like you're not putting enough in the piggy bank? We're diving into the tricky trap of under-budgeting and its ouchy outcomes.

- Solution Station: Time for some regular money dates with your budget! We're talking realistic spending limits that don’t feel like a straightjacket.

🛍️ Mistake 3: The 'Just Couldn't Resist' Impulse Buy

- Ever been lured by that spontaneous purchase? We're exploring how these unplanned splurges can send your financial plans off the rails.

- Solution Station: We've got some neat tricks up our sleeve, like the 24-hour "think it over" rule and a nifty budget impact analysis.

💬 Mistake 4: The 'Let’s Not Talk About It' Money Chat

- Discussing finances with your partner can feel like walking on eggshells, right? But it’s super important.

- Solution Station: Turn budget talks into date nights! Seriously, it’s a game-changer. Make financial planning fun and cozy.

💳 Mistake 5: The 'Swipe Now, Stress Later' Credit Card Conundrum

- Let’s dissect why relying on credit cards like they’re your BFF can backfire big time.

- Solution Station: We're schooling you on using budgeting as your secret weapon against credit card chaos.

😳 Mistake 6: The 'I'm Not Good at This' Guilt

- Feeling shame about where you are with your money smarts? You're not alone.

- Solution Station: It's time to embrace the journey! Everyone starts somewhere, and learning about finances is definitely a 'patience and persistence' kind of deal.

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!

Today we're talking with our friend Sam as we explore the powerful intersection of faith and finances. 🙏💰

📜 Key Takeaways:

1. Love of Money vs. Money Itself: It's crucial to distinguish between the love of money and money itself. Let faith guide your financial decisions, and don't let worries about money distract you from your faith journey. 🤝❤️

2. Biblical Stewardship: Discover the timeless concept of stewardship, recognizing that we're entrusted with God's resources. Learn the value of being good stewards and how it can positively impact your financial path. 💼🌟

3. Parable of the Talents: Explore the parable of the talents as a metaphor for multiplying your resources. Find inspiration in how you can make your financial resources grow with wisdom and purpose. 🌱💪

4. Overcoming Financial Stress: Hear a real success story from a client who initially felt overwhelmed but achieved financial stability through budgeting. You're not alone in your financial journey, and taking that first step is key. 🚀🌈

5. Budgeting & Financial Planning: Understand the importance of budgeting and financial planning, whether you're a seasoned pro or a newbie. The hosts encourage you to take that all-important first step toward financial control. 💡📊

Join the conversation and take that empowering first step toward financial freedom with Sam, Shana, and Vanessa. Your faith and finances can work hand in hand to build a brighter 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!

Book A Free Financial Coaching Call!

🎧 Today we're back with a story from our clients Jordan and Rosi, a couple from Michigan.
They share how they were initially nervous about coaching—worried it would be too strict or not tailored to them. Spoiler: it was the opposite. Coaching felt personalized and incredibly helpful.

They talk about setting up budgeting buckets, which helped them save for expenses and feel less stressed. Rosi loves her spending money, and Jordan appreciates having a plan.

Their biggest win? Way better communication. Fights about money turned into calm, clear conversations.

They also share how they paid off $16,000 in debt—while still spending, traveling, and paying for fantasy football.

1. Mindfulness & Financial Clarity: Budgeting made them more intentional. Plus, we get into his ‘saver’ ways and her ‘spender’ vibes!

2. Teaching Kids About Money: They’re bringing their kiddos into the money convo.

3. Switching to Debit Cards: Why ditching credit cards has made them feel calmer.

4. Teamwork & Marriage: What happens when you treat money like a team sport.

5. Faith & Finances: Their faith plays a big role—and they’re sharing why it matters.

6. Encouragement for You: Feeling stuck? They’ve been there. Their message will lift you up and help you move forward.

7. Feeling Content: Sacrifices? Yes. But they’re content with what they have—and you can be too.

8. Investment in Ourselves: Coaching has paid off big time—in their money and their marriage.

So, grab your favorite drink and get comfy—we're talking real-life money, parenting tips, and how faith can fuel your financial journey. 🌟

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!

Tired of spending hours managing your finances? Wish you could automate the process to save time and money? Well, you're in luck! In this podcast, we'll show you how to automate your finances so that your money works for you, not the other way around. We'll cover everything from setting up a budget to automating your bills and investments. So whether you're a complete beginner or a seasoned financial expert, there's something for everyone in this episode.

Benefits of Automating Your Finances

There are many benefits to automating your finances. Here are just a few:

• Save time. No more logging into your bank account to pay bills or transfer money. Everything will be done automatically.
• Reduce stress. Worrying about your finances can take a toll on your mental health. Automating your finances can help you take a step back and relax.
• Increase your chances of success. When your finances are automated, you're more likely to stick to your budget and reach your financial goals.

How to Automate Your Finances

Automating your finances is easier than you think. Here are the steps you need to take:

1. Create a budget. This is the foundation for all your financial decisions, including automation.
2. Set up direct deposit. This will ensure that your paycheck is automatically deposited into your checking account.
3. Create separate accounts for bills, spending, and savings. This will help you keep your finances organized and make it easier to automate payments.
4. Set up recurring transfers. This will automatically transfer money from your checking account to your bills, spending, and savings accounts.
5. Invest your money. This is a great way to grow your wealth over the long term. You can automate your investments by setting up a regular contribution to a retirement account or investing in a robo-advisor.

Tips for Automating Your Finances

Here are a few additional tips to help you automate your finances successfully:

• Choose the right tools. There are many online tools and apps that can help you automate your finances. Research the different options and choose one that meets your needs.
• Start small. Don't try to automate everything at once. Start with one or two tasks and gradually add more as you get comfortable.
• Be flexible. Your financial situation may change over time. Be prepared to adjust your automation settings as needed.

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 Signature Budget Template!

In this episode, we tackle the often overwhelming task of budgeting for back-to-school expenses. We chat about common challenges, share our own back-to-school experiences, and give you practical tips to help you, our budget besties, plan effectively for the upcoming school year.

Key Points:

1. Back to School Stress:

2. Are you feeling unprepared for the costs associated with the new school year?

3. It’s common to underestimate these expenses and feel surprised every year.

4. Common Expenses:

5. School Supplies and Tech: Notebooks, pens, computers, and other tech gadgets.

6. Clothing and Uniforms: From everyday wear to sports uniforms and shoes.

7. Fees: Activities, lab fees, parking, graduation, and more.

8. Health and Hygiene: Haircuts, first aid kits, hygiene products.

9. Food and Snacks: Adjusting grocery budgets for school lunches and snacks.

10. Transportation: Car maintenance, parking passes, and more.

11. Extracurriculars: Club dues, sports fees, music lessons, and equipment.

12. Miscellaneous: Home study areas, planners, spirit wear, yearbooks, school photos.

13. Planning Tips:

14. Set Up a Kid's Savings Account: Designate a specific savings bucket for school expenses.

15. Take Advantage of Sales: Utilize back-to-school sales, tax-free weekends, and grocery store deals.

16. Budget Year-Round: Estimate the total cost and start saving monthly to ease the burden when the time comes.

17. Be Selective: Decide on necessary expenses versus optional ones.

18. Practical Steps:

19. Estimate Total Costs: Don’t aim for perfection; a rough estimate is better than none.

20. Monthly Savings: Start saving a specific amount each month starting now for next year's expenses.

Final Thoughts: We emphasize that while back-to-school budgeting can be daunting, planning and setting aside funds throughout the year can significantly reduce stress and financial strain. We encourage you, our budget besties, to take control, be prepared, and enter the new school year with confidence.

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!

👋 Hey there, amazing listeners! Are you ready to take your budgeting skills from beginner to pro? If you've ever felt stuck or paralyzed when it comes to budgeting and wondered when to start saving or paying off debt, you're in the right place! We're here to guide you through the steps to level up your budgeting game. Let's go from that initial budget creation to building a legacy. 🚀

👩‍👧‍👦 Let's talk about the three phases of budgeting – Beginner, Middle, and Pro!

Beginner Budgeting - Getting Started:

- Many of our clients and listeners have never started a budget or found it hard to stick to one. Don't worry; you're not alone!

- The first step is to get on a budget, and we're here to help you with that.

- Start by creating a Bills Account where you'll pay your bills and debt from your income.

- Separate your bills from your spending and focus on minimal spending. Ask yourself, "What do I absolutely need?"

- Keep your spending categories minimal at the beginning – pocket money, restaurant expenses, gas, and groceries.

- Create wiggle room in your budget by cutting unnecessary expenses and putting extra money toward debt.

Middle Budgeting - Learning and Perfecting:

- In the middle phase, you're still learning, but you're not a beginner anymore.

- Perfect your Paycheck Plan: Deposit your income into a Bills Account, then allocate it to spending and savings.

- Implement automation to fund your categories automatically.

- Add minimal savings buckets for immediate needs like holidays, car maintenance, and birthdays.

- Start identifying and planning for "unexpected" expenses ahead of time.

- Continue to pay off debt while building good budgeting habits.

Pro Budgeting - Graduating to Pro Status:

- Fully fund your savings buckets and plan for expenses 12 months ahead.

- Consider ramping up your investments, like increasing contributions to retirement plans or starting a Roth IRA.

- Refine your spending habits and reduce unnecessary expenses.

- Have conversations about responsible spending with your kids and teach them about budgeting.

- Enjoy the freedom of being more generous, whether it's giving to causes you care about or helping your kids with their financial future.

- Dream big and set ambitious financial goals, watching your net worth grow and securing your financial 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!

Book A Free Financial Coaching Call!

In this episode, we're diving deep into a fantastic case study of how one couple successfully got out of debt, leveled up their budget, and achieved financial freedom. Get ready to be inspired and take away some actionable tips for your own financial journey!

🚀 Intro

- Have you ever wanted a real-life case study on getting out of debt and mastering your budget?

- Join us as we walk you through the journey of one of our clients who did just that!

💪 Taking Control

- Meet our awesome clients who decided it was time to tackle their financial challenges head-on.

- They had good income but nothing to show for it, a common struggle for many.

💡 Discovering the Path

- Learn how they found us, took a free call, and decided to embark on their financial transformation.

- Their starting point: $9,600 monthly income, 11 debts, $2,600 in savings, and $689 in monthly debt payments.

🤔 Identifying the Issues

- Understand the challenges they faced, despite their good income.

- Discover how their finances were separate, and they lacked basic budgeting skills.

🏆 Setting Goals

- Explore their financial aspirations, including a five-year net worth goal of $150,000 and the desire for financial freedom.

- They wanted to teach their kids to manage money wisely from the start.

💰 Taking Action

- See the steps they took to turn things around in just two months.

- Cutting expenses, merging phone plans, and optimizing their bills were among their strategies.

🧾 Budgeting Made Easy

- Learn about the power of a well-organized budget, and how they used it to their advantage.

- The budget not only tracked expenses but also projected their financial future.

🙌 Success Achieved

- Celebrate their victories, including paying off $12,192 in debt and reducing their minimum debt payments.

- Witness their journey from 11 debts to just four, making their finances more manageable.

🌟 Reaping the Rewards

- Discover how they upped their emergency fund and embraced saving habits.

- Witness their transformation from financial stress to peace of mind.

🍽️ A Funny Moment

- Enjoy a humorous story about cutting up credit cards when they couldn't even find theirs because they'd stopped using them!

👨‍🍳 Unexpected Roles

- Find out how the husband took charge of meal planning and meal prep, surprising everyone with his newfound skills.

--

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!

📌Get the Christmas Budget Planner Here!⁠

Today, we're diving into some real talk about holiday finances and other money matters you need to know. Grab your notepad because we're sharing some eye-opening lessons straight from our coaching sessions. You might see a bit of your own story in here! 💁‍♀️

Topics Covered:

🎅 Budgeting for Christmas like a Boss!

• "Holiday traditions shouldn’t leave a New Year debt hangover!" 🍾💸
• Real Client Story: Learn from a mom who's saving $2,000 for a debt-free Christmas vacation!

Financial freedom can allow you to quit your 9-to-5 and pursue your dream job.

• "Dream jobs start with dream budgets, babe!" 💼✨
• Real Client Story: How getting out of debt led one client to her dream job in New York!

Ever heard of cancer insurance? Should you jump on the bandwagon? 🤔

• "Be insured, not unsure!" 🛡️
• Real Client Story: An insurance hiccup that almost messed up one client's budget.

🌟 Client Wins 🌟:

• First-time debt-free Christmas vacations 🏂
• Setting aside money on purpose for the holiday season 🎁
• Making BIG career moves, thanks to a debt-free lifestyle! 💪

Book A Free Financial Coaching Call!

Action Items:

• Use a mock budget to explore job possibilities and life changes.
• Before adding random insurances like "cancer insurance," consult your financial coach (that's us, ya'll!) 📋🖊️

Listen, friends, if our clients can do it, so can you! Take these lessons and use 'em to give yourself the gift of financial freedom this holiday season. Let's toast to making wise money choices that let us jingle all the way to the bank! 🥂💰

Christmas Budgeting, Paying Off Debt, Choosing Insurance, Financial Freedom, Client Stories, Holiday Spending, Financial Coaching for Women, Debt-Free Holidays, Money Management Tips, How to Budget

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!

In this podcast episode we are going to walk you through setting up your November budget! With the holiday season coming up, it's crucial to have a solid budget in place.

One thing we stress is the importance of adjusting your budget as things change. Whether it's a change in income, bills, or spending habits, it's essential to stay on top of your budget and make necessary adjustments. And of course, with the holidays approaching, it's crucial to plan ahead for those extra expenses.

We've got some great tips and advice on how to avoid going into debt during the holiday season. We'll talk about getting creative with gift-giving and even starting a Christmas fund. Trust us, these strategies can make a huge difference in your financial well-being.

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!

Hey there, fabulous listeners! Welcome back to another episode where we spill the tea on all things financial coaching and friendship. We're Vanessa and Shana, and today, we're taking you behind the scenes of our exciting journey.

Join us as we dive into what makes our podcast a hit—our unwavering friendship and authenticity. We spill the beans on how this dynamic duo came together not just as business partners but as best friends. Our podcast is all about being relatable and authentic, making financial topics judgment-free and accessible. We share the secrets behind our success in reaching thousands of you every week.

Now, let's talk about work-life balance. We're all about that sunshine and fresh air here in sunny Navarre, Florida, and it plays a huge role in our work ethic and style. We'll give you a glimpse of how we balance our professional and personal lives, from beach walks to the occasional power nap.

But it's not all sunshine and rainbows. We also discuss how we manage disagreements, and yes, we've had a few spats along the way. But hey, who hasn't? Our key is effective communication and keeping score off the table.

And speaking of exciting news, we've got a special project in the works just in time for Christmas. It's a meaningful and educational gift for the younger generation, designed to set them on the path to financial wellness. Get ready for a sneak peek into what's coming your way.

Join us for an episode filled with heartwarming stories, valuable insights, and a whole lot of laughter. We're here to inspire you, empower you, and maybe even make you smile a little. So, tune in and be part of our journey as we empower women to take control of their finances and transform their lives.

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!

Alright, Dave Ramsey fans, let's dive into the topic of using cash and whether it's the right choice for your budget and finances. In this episode, we're going head-to-head with Dave on some key points, and here's a sneak peek of what's to come:

📬 Cash Envelope System: Dave Ramsey loves it, and so do we! But is it the ultimate budgeting method, or are there other tricks up our sleeves?

💳 Digital Envelopes: We'll spill the beans on why digital envelopes might just be your ticket to budgeting success, alongside the trusty cash method.

💸 Impulse Buys: Cash has a way of curbing those impulse purchases, but can we agree with Dave on how effective it truly is?

💡 No Hidden Fees: We're all about taking control of our finances, but are cash payments the only way to dodge those sneaky fees?

🛍️ Delayed Gratification: Dave praises cash for fostering this skill, but is there more to the story?

💳 Credit Card Rewards: Are we on the same page as Dave when it comes to credit card rewards, or do we have a different take on the matter?

💼 Inconvenience: Can we convince you that a little inconvenience might be the secret sauce to financial success?

💳 Credit History: We're sharing our thoughts on building credit without credit cards. Are we in line with Dave's wisdom?

🛡️ Safety Concerns: Is carrying cash really safer than the plastic in your wallet, or is there more to consider?

📱 Apps and Syncing: We'll discuss whether going old school with cash is the way to go, or if there's a modern twist we recommend.

Join us in this episode as we unpack the pros and cons of using cash in your financial journey. Will we see eye to eye with Dave Ramsey, or will there be some friendly differences of opinion? Tune in to find out and take charge of your financial future! 💰✉️📊 #CashIsKing #BudgetingWithCash #DaveVsUs

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!

Hey there, fabulous listeners! 👋 In this episode, we're diving deep into the world of spending and how to get a grip on it. 💸 We've got some eye-opening stories to share, actionable steps, and a whole lot of budgeting wisdom coming your way. Let's get started! 🚀

We had a client who didn't realize she was spending $2,675 a month without accounting for bills, savings, or debt payments! Sound familiar? 🙋‍♀️ Overspending or random spending is more common than you think.

1. Creating a Personal Spending Budget: 💰 Step one in taking control of your spending is figuring out what you're already spending. Track your expenses for 90 days and use highlighters to categorize them. It's an eye-opener!

2. Spending with Purpose: 🤝 Step two is creating a personal spending budget. This is your pocket money category, a guilt-free zone for spending on things you love. It's all about being in control and spending with intention.

3. Planning for the Expected:* 🗓️ We challenge the idea of "unexpected expenses." With proper planning, most of these so-called unexpected costs can be anticipated and budgeted for. From car maintenance to birthdays, we've got you covered.

4. Savings Buckets: 💼 Start planning ahead for regular expenses like Christmas or back-to-school shopping. These are like little savings buckets to dip into when needed.

5. A Balanced Approach: ⚖️ We believe both partners should have their own personal spending budget, and it should be a mutually agreed-upon amount. It's all about teamwork.

6. The Freedom to Spend: 🙌 When you have a clear budget and personal spending categories, you'll feel more in control and less stressed about spending. It even reduces emotional spending!

Remember, taking control of your spending is empowering, not restrictive. It's about creating a plan that gives you the freedom to spend on what truly matters to you. 💪

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!

🎧 Hello, you fabulous listeners! 🌟 Ever feel like your financial life is a giant puzzle, and you can’t find the right pieces? Whether you’re pinching pennies on vacations or swamped with business expenses, Jake, our guest for today, has been there, done that. And guess what? He's turning it all around, and he's here to share how. 🎉---🎯 What to Expect:1. Jake's 'Aha!' Moments 🤯: Jake spills the tea on how he discovered the 'holes in the boat' of his business finances. Spoiler alert: it involves unused subscriptions and tax surprises.2. Taxes Don't Have to Be Scary 📊: If the word 'taxes' makes you break out in a cold sweat, grab a cozy blanket because Jake shares how tackling this financial beast actually set him free. 💕3. Baby Steps for Big Wins 💡: Get your pens ready! We've got actionable tips that can make a difference for you starting TODAY. No marathons here, just a comfy pace you can keep up with. 🚶‍♀️4. Teamwork Makes the Dream Work 🤝: Jake had some help on his financial journey, and he's here to tell you why two (or more) heads are better than one when navigating the money maze.5. Goals & Dreams 😄: What's all this hard work for if not to enjoy life a little more? From wellness retreats to giving himself a raise, Jake shows us how the financial grind can lead to some pretty cool rewards. 🏖️---So what are you waiting for? Hit that play button, grab a notepad, and let’s turn those financial question marks into money moves! 🎧🎉💕

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!

🎙️ We're diving into the world of military finances and retirement planning. Whether you're currently serving, a veteran, or just curious about how to navigate the financial landscape in the armed forces, we've got you covered. Plus, this episode will be great if you or someone you love is considering going into the military.

Budgeting in the Military: Tips and Personal Experiences

- We start by discussing the unique financial challenges faced by military personnel, from predatory financial services near bases to the lack of structured financial education.

- Our guest, Chris Roberson (Shana's husband), a military veteran with over 20 years of service in the Air Force, shares valuable insights and practical tips for managing your finances while serving.

- Learn about practical budgeting tips like using allotments to automatically manage expenses and creating a separate bills account with auto-drafts.

- We explore personal finance strategies, from frugal spending during temporary duty assignments to leveraging additional allowances.

- Discover the wisdom of using government travel cards to instill financial responsibility.

💼 Maximizing Your Military Finances and Retirement Planning

- We share our experiences with making extra money during military moves, emphasizing the benefits of a do-it-yourself move.

- Dive into retirement planning and the Thrift Savings Plan (TSP), exploring the importance of choosing the right TSP fund and making early, consistent contributions.

- Understand the transition to the new retirement system and how to maximize your retirement benefits under the blended system.

- Learn about financial independence, retiring early (FIRE), and why it's essential to take control of your financial destiny.

🎓 Navigating Retirement as a Military Service Member

- Gain insights into retirement income in the military, medical benefits, the Survivor Benefit Plan, and life insurance options.

- Discover the value of the Transition Assistance Program (TAP) and the need to address financial education as part of your transition plan.

- Learn about the SkillBridge Program, an excellent opportunity to gain civilian work experience while on active duty.

- The importance of early financial education is emphasized, helping you set the stage for a smooth transition into civilian life.

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!

Are you ready to flip the script on how your family handles money? You're in the right place. In today’s episode, we’re diving into teaching your kids and teens real financial wisdom. 💪💰

We all know it’s important to teach the next generation about money—and it’s never too early (or too late) to start.

Remember when your child first learned to ride a bike? That excitement and freedom? We're giving you tools to help them feel that same confidence with their finances.

🌟 Discover how to:

• Teach your kids the value of money early.

• Replace "we can't afford it" with better conversations.

• Equip your teens to make their money work for them.

Join us for practical strategies and relatable examples that make money lessons fun and doable. We're here to help your family thrive financially!

Get ready for tips, tricks, and takeaways to raise money-smart kids:

• Start young—teach giving, saving, and spending with jars or envelopes.

• Skip phrases like "we’re broke" and focus on family choices and priorities.

• Involve them in budgeting outings and eating out.

• Let them contribute—like paying for their own haircuts or activities.

• Show them how savings and investing can grow into big goals.

• Teach the power of compounding (yes, they really can become millionaires).

• Explore better savings options like money market accounts.

• Encourage them to take responsibility for their financial future.

We also talk about helping kids pay for bigger expenses like summer camps, personal items, and later—car insurance or college.

These strategies build strong money habits and financial confidence for life. 💪💵

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 Signature Budget Template!

Hey there, budget besties! 🎙️ It's Shana and Vanessa here, and we know you sometimes feel like your bills are playing hide and seek with your bank account. Today, we're diving into the top 12 mistakes that make your finances feel super messy and how to avoid them. Let's get into it!

Episode Highlights:

1. One Account Chaos

   Keeping all transactions in one account is like trying to find a needle in a haystack. Solution? Separate your accounts for bills, spending, and savings to get a clear view of your finances.

2. Multiple Payment Methods

   Using different accounts and cards for bills? That's a recipe for confusion. Stick to one account for bill payments to keep things simple and trackable.

3. Duplicate Payments

   Ever paid for Netflix twice? Consolidate all transactions into one account to spot and eliminate duplicate payments.

4. Overlooked Subscriptions

   Those $4.99 subscriptions add up! Regularly review and clean up subscriptions to save money.

5. Missing Out on Requotes

   Not requoting your insurance annually? You could be missing out on savings. Call a broker to get the best deals.

6. Avoiding Auto-Pay

   Afraid of auto-pay? It’s your new best friend. It can save you money and prevent late fees.

7. Skipping Paperless Billing

   Go paperless to reduce clutter and sometimes save money with discounts.

8. Not Using ACH Payments

   ACH payments often come with fewer fees. Make sure to use them to save a bit more.

9. Overdraft Fees

   Overdraft fees are money down the drain. Set up alerts and keep track to avoid these sneaky charges.

10. Late Payment Fees

    Missing due dates costs you. Set up auto-pay and reminders to keep late fees at bay.

11. Not Reviewing Your Bills

    Always check your bills for unexpected charges or increases, especially after promotional periods end.

12. Forgetting Annual and Quarterly Bills

    Annual and quarterly bills can sneak up on you. Set up a separate savings account to prepare for these.

Action Steps:

1. Separate Your Accounts: Create a dedicated bills account and automate your payments.

2. Review and Requote: Regularly review your bills and requote services like insurance annually.

3. Track Subscriptions: Keep an eye on subscriptions and cancel those you don’t use.

We know it's a lot, but trust us, tackling these mistakes will simplify your financial life and save you money. Start with the biggest impact change: separate your bills account and automate your payments.

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. 

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⁠Grab the Grocery Budget Challenge Checklist⁠

Why is money called dough? Because we all knead it!

Woohoo, welcome to another exciting episode, folks! 🎙️ This time, we're peeling back the curtain on the thrilling world of grocery shopping with our special guest, Marc Porten, Vanessa's husband! 🌟 (he loves Dad jokes)

👨‍🍳 Marc is sharing his his 27-year experience in the food retail industry and he's dropping some major wisdom bombs on grocery savings. 💣💡

• 🧾 Learn the art of shopping with a budget, planning meals, and hunting for those sweet, sweet deals! 🎯🛒

• 🤑 Shop the Ad! Discover the magic of market ground beef! Keep that chicken skin on for flavor and savings. 🍗

• 🍔 Speaking of meat, Marc shares how less expensive cuts can be just as tasty. Cha-ching! 💰

• 🥩 Time to reveal the secret of store brands - they're often just as good, and you can save a bundle! 🛍️

• 📦 Buying in bulk can be a money-saver, but remember, no hoarding perishables! Keep it smart. 🤓

• 🛍️ Perk programs at stores? They're like your little savings sidekick. 🦸‍♂️

• 🔍 Beware of carrageenan - the sneaky filler in some products that can mess with your food quality! 😱

• 🎉 We wrap up with some reflections on the ever-growing choices in grocery stores. 🤯

There you go! 🎉 A fun, informative chat on budget-friendly grocery shopping with Marc. Tune in, get savvy, and save some dough! 💰😄🛒 #GroceryGoals

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!

⁠Grab the Grocery Budget Challenge Checklist⁠

We're back with another episode of our Grocery Budget Challenge podcast series. Today, we're diving into the world of sales and how you can shop smarter, not harder. 🛒💰

Timing is Everything: First things first, folks, timing is key when it comes to snagging those awesome deals. Sales go in cycles, just like the changing seasons. For example, think about berries—they're super cheap when they're in season, right? 🍓 So pay attention to those cycles and buy when prices are at their lowest.

Frozen Section Magic: And remember, if your favorite produce isn't on sale, check out the frozen section. They pick fruits and veggies at their peak, and you can often score great deals there. It's like Mother Nature's BOGO! ❄️

BOGO Mania: Speaking of BOGO, when something you love and use regularly is on sale, grab as much as you can without turning your house into a storage unit. Buying in bulk when your staples are on sale is a budget superhero move. 💥

Price Comparison: Now, let's talk about comparing prices. Sure, you might always shop at your neighborhood grocery store, but have you considered checking out the stores down the street? You might be surprised at the savings just a few blocks away. Use websites and apps to easily compare prices, and remember, driving 45 minutes to save 20 bucks isn't really saving! 🚗💨

Planning Meals Around Sales: Here's a pro tip—plan your meals around the discounted items you find. If you see a fantastic deal on chicken, start thinking about all the delicious chicken dishes you can whip up that week. It's like meal planning meets bargain hunting. 🍗🍽️

Be Flexible: Sometimes, you'll stumble upon unexpected clearance items or sales that weren't in your original plan. Don't be afraid to adjust your meal plans and take advantage of those deals. It's all about adapting to the savings opportunities that come your way. 🛒🧐

Freeze It: If you bought something on sale but can't use it right away, don't let it go to waste. Freeze it! This way, you've got a freezer stocked with discounted goodies for future meals. ❄️🍴

Stay Focused: Lastly, create a shopping list based on your meal plan and stick to it! Don't get distracted by shiny objects or impulse purchases. Staying focused will help you stay within your budget. 📋💡

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!

⁠Grab the Grocery Budget Challenge Checklist⁠

Hey there, amazing ladies! It's Shana & Vanessa, and we're back with Day 4 of our Grocery Budget Challenge podcast series. 🛒💰

Today, we're diving deep into the magic of labels, those little bitty, tiny, small things that hold the key to saving money on your groceries. So buckle up, ladies, and let's empower you to make better choices for both your budget and your wellbeing.

1. Cost Per Ounce (or Unit) 💲

   - This is our favorite! It's like a secret weapon. Look at the cost per ounce or unit. It's the same for all brands and sizes, making it easy to find the best deal. No one's going to mess with us when we're reading labels!

2. Compare Prices Across Products 🧐

   - Don't just stick to your usual brands; compare prices. You might find a hidden gem that's both budget-friendly and high-quality. Think dish soap, boxed items, or even chicken cuts.

3. Generic or Store Brands 🛒

   - Yep, they're often produced in the same place as name brands. So why pay more for fancy packaging? Turn those labels around and see if it's the exact same product.

4. Ingredients Matter 🧪

   - Dive into the ingredients list. Check for hidden sugars and additives. If you can't read it or don't recognize the word, consider another option.

5. Nutritional Value 🍎

   - Check the label for nutritional information. Are you getting the best bang for your buck? It's not just about saving money; it's about making informed, healthier choices for your family.

6. Non-Negotiables 🚫

   - We all have those items we won't budge on (like Vanessa's pickles). It's okay to splurge on your favorites. But for other items, consider store brands.

7. Eye-Level Trick 👁️

   - Brands pay for that prime shelf space at eye level. Store brands are often just as good and cheaper. So do a little squat or reach to grab them!

8. Create a New Shopping List 📝

   - Based on what you've learned today, update your shopping list with budget-friendly staple items. Mustard, butter, ketchup, almond milk - they all count!

9. Keep Checking Labels 👀

   - Don't stop here. Every time you shop, check the cost per unit or ounce. It's part of your new shopping routine.

So there you have it, Day 4 of our Grocery Budget Challenge. Grab that checklist, ladies, and start making those labels work for you. 🛒💪

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!