Financial Coaching for Women: How To Budget, Manage Money, Pay Off Debt, Save Money, Paycheck Plans – Details, episodes & analysis

Snag Our Simplified Budget System!

Schedule an Annual Planning Session

Hey Budget Besties — can you believe it? We’re heading into 2026. 😲
New year. New budget. Same us — making sure your money is working for you (not the other way around).

In this episode, we’re not just dreaming about the future — we’re putting real numbers behind it.
We’re walking you through how to set your financial goals for 2026 with intention, purpose, and a plan that actually fits your life.

Whether your year ahead is full of college visits, career changes, or your dream trip to Bali (yes please 🙋‍♀️), you’ll learn how to:

• Think about your short, midterm, and long-term money goals

• Tie your financial decisions directly to what you care about

• Create a realistic, flexible plan that makes your dreams doable

• Avoid the “woo” and keep your financial feet on the ground (but don’t worry, we’ll still get you excited!)

• And finally take that bills debit card out of your wallet 👀

We know life’s busy. Maybe you’re not doing vision boards or chanting under a full moon — but you still want clarity, confidence, and a budget that reflects your real 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!

Check out Carrie's Podcast!

We’re bringing back one of our all-time favorite convos with our good friend and Diet Disruptor queen, Carrie Lupoli! If you missed it the first time (or need a refresh), get ready for one seriously powerful conversation on how your financial health and physical health go hand-in-hand.

Carrie has called us her besties for years (aw 🥹), and in this re-air, we finally sat down with her on the mic to talk about how getting your money in check can actually transform your mental clarity, stress levels, and even your relationship with food.

👯‍♀️ What We Chat About:

1. The surprising connection between financial stress and health struggles

2. Why “not knowing what you don’t know” is not your fault—and how to unlearn it

3. How Carrie and her husband completely shifted their money mindset and now have money left at the end of the month 🙌

4. What it means to budget like a grown-up without giving up brunch, beauty, or bacon 🍳

5. Why credit card “points” aren’t doing you any favors (sorry, not sorry 😅)

6. A simple, automated budgeting system that makes life easier—yes, automagically 🪄

7. Teaching your kids financial confidence early (Carrie’s 20-year-old is thriving!)

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...

Snag Our Simplified Budget System!

In today’s episode of Financial Coaching for Women, we sit down with Ashley—newly married, newly budgeting, and ready to take control of her family’s finances. Just two months into their budgeting journey, Ashley and her husband are working hard to live on their salaries alone so they can put commission checks toward debt payoff and long-term goals. But with unexpected expenses, consolidated loans, and a busy family life, staying on track isn’t always easy.

Together, we walk through her real numbers, real questions, and real challenges. If you're early in your budgeting journey—or trying to get back on track—you’ll feel right at home in this conversation.

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!

Whew, Budget Besties — this episode is full of real talk and real wins from our coaching clients. From Nashville tattoo artists to newlyweds trying to merge finances without losing their minds, we’re covering it all in today’s behind-the-scenes episode of what it really looks like to get your money life together.

We’re walking through: 💸 Making sense of cash-heavy businesses (yes, even $6K/month in cash!)

🏡 Homemaking budgets and why "making a house a home" is a line item

📱How to untangle Amazon charges (spoiler: you can assign cards by category!)

🧾 Organizing messy savings and crushing debt with clarity

💑 Blending finances as a couple — even when one of you has debt and the other doesn’t

Because budgeting is not about judgment. It’s about creating a system that works for your real life. Whether you’re:

1. Running a six-figure biz with money flying in from all angles

2. Feeling low-key guilty about spending on your home

3. Nervous about your partner seeing just how much credit card debt you’ve got

4. Or overwhelmed by all the bank accounts, credit cards, and loans you’ve been managing solo...

We’ve got you.

🧠 This episode is full of coaching gold:

1. Why cash-based income has to be budgeted or it will disappear

2. The truth about lifestyle creep (and how to check it before it runs away with your goals)

3. How simple changes — like naming your savings or setting spending accounts — lead to massive progress

4. And how to create buy-in with your spouse without a fight

This is what financial clarity looks like: one small, consistent, empowered step at a time. 🧡

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, Budget Besties! 💛

Today we’re taking you on a money journey through every season of a woman’s life — from those first babysitting paychecks to living your best bougie grandma life. 🛍️👵🏽✨

Why? Because budgeting matters at every single stage. And when you know what to expect (and how to plan for it), you can build the confident, abundant life you deserve.

We’re diving into:

1. High school budgets (hello, Starbucks and hoodies 🧋🧥)

2. College survival (and how to NOT live off ramen and credit cards)

3. Young marriage and mom life (budgeting for date nights and diapers)

4. Bougie era budgeting (more income, bigger goals—and NO excuses)

5. Empty nesters and retirement (planning for those grandbaby snuggles and that dream trip to Italy 🇮🇹)

Throughout each era, we’re keeping it real about how your budget needs to shift, what habits you need to build (spoiler: savings buckets forever 🪣), and how to use your money with intention instead of living paycheck to paycheck (no matter how much you make!).

🧠 Lessons You’ll Learn:

1. How early budgeting habits create financial confidence for life

2. Why your college student must have a budget (and how to avoid drowning in debt)

3. How to combine finances in marriage without stress or confusion

4. Why high income doesn’t fix money problems — but budgeting does

5. How to step into your wealthy woman era and keep building that legacy

You're not behind, bestie. Whatever stage you're in—you've got time, you've got options, and you've got us cheering you on! 🎉

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!  

Hey, budget besties! 💖 Today we’re chatting with Andrea, who's right in the middle of a BIG life transition — new marriage, three kids headed to Brazil for a year (!), and full-time camper living while her husband travels for work as a union electrician. 🚐✨

Andrea’s done all the things — tried The Budget Mom, dabbled in Dave Ramsey — but sticking to a budget? THAT’S the struggle. Especially now with a fluctuating income and a whole new way of life.

We walk Andrea through how to set up a money system that works for real life — not just the life you plan in pretty colors and fancy spreadsheets. 🎨📊 Here's what we tackled:

• How to budget on an inconsistent income without the chaos.

• Why separate bank accounts (bills, spending, savings!) are your new best friends.

• How to automate your money so you can't accidentally mess up (even if life gets messy).

• Budgeting off the bare minimum — and using the extra to finally get ahead.

• Why you start automation NOW — even if you’re behind on bills.

This conversation is full of real-life feels, practical tips, and lots of encouragement for anyone who's ready to turn a season of transition into a season of financial empowerment. 🌟

We want you to hear this loud and clear: you don’t have to be perfect. You just have to get your system in place and let it work for you — even when life gets wild.

Mentioned in the Episode:

• Separate bank accounts for bills, spending, and savings

• Budgeting on a baseline income

• Blue Collar Millionaire podcast (shoutout to our hardworking besties!)

Snag Our Simplified Budget System!

Budget Besties, this one’s for everyone who’s ever thought, “Why does it feel like everything is hitting all at once?” 😵‍💫

In this episode, Shana and Vanessa are sharing real stories from coaching clients who are pushing through real life – emergency room visits, broken fingers, college costs, tragic losses, and even tangled-up business budgets. But through it all, we’re celebrating the small (and major) wins, like…

✨ Surviving back-to-back emergencies without going into debt

✨ Paying taxes on time for the first time EVER

✨ Learning how to finally get your paycheck-to-spending transfer right

✨ Changing money mindsets (even when you feel “behind”)

✨ Creating steady income from side hustles – campers, Jeeps, and salon chairs, oh my!

This episode is a warm reminder that if you feel like you’re struggling just to stay on top of your budget—you’re not alone. Life is expensive, but that doesn’t mean you’re doing it wrong.

You’re learning. You’re adjusting. You’re moving forward. 🙌🏽

Whether you're starting over at 50, trying to untangle your biz finances, or figuring out how not to be broke every other week, we’re breaking it all down with compassion and clarity.

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 budget besties! 🧡

Whew, okay… buckle up because in this episode, we are coming in hot with a little budgeting truth bomb for y’all. 😅 If you’ve been using a budgeting app and still feel confused, broke, or like you’re spinning your wheels, you’re not alone—and it’s not your fault.

We’re getting real about why budgeting apps don’t work the way you think they do (spoiler: they’re trackers, not planners), and what you actually need to finally feel in control of your money.

In this episode, we break down:

1. 🤯 Why budgeting apps are just glorified expense trackers (not real budgets)

2. ⏳ How they keep you busy but not actually making progress

3. ❌ The false sense of success that pretty pie charts give you

4. 🚨 Why you keep saying “I’m doing all the things, but I still feel broke”

5. 🔄 The power of setting up a system that does the work for you

6. 💡 The difference between tracking where your money went vs. telling it where to go

7. ✨ What budgeting with clarity, confidence, and freedom really looks like

What We Want You to Know:

A budget app won’t save your financial life. A system will.

When you follow our method, you’re not just making a plan—you’re putting it in motion automatically. No more wondering where your money went or feeling guilt-tripped by your own spending. With our budget system, your money actually moves to where it needs to go. Every. Single. Time.

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!

Heyyy, budget besties! 🙌

We’ve got a juicy one for y’all today. In this coaching call episode, we chat with the lovely Lindsay, who came to us with alllll the questions we know so many of you are also wrestling with. From IRS debt and credit cards to timeshares and life insurance policies—whew, we cover it all.

Lindsay and her husband are both small biz owners with some financial complexity (hi, inconsistent income 👋), and they’re ready to finally get a plan that works for their real life. And yes, she’s already started creating her spending accounts—claps all around. 🎉

Here's what we cover in this episode:

1. 💸 IRS debt vs. credit card debt—what should come first?

2. 🧾 How to make payments feel doable and stop decision fatigue in its tracks.

3. 🏦 Setting up a holding account to make irregular income feel consistent.

4. 🛑 Why stopping the use of credit is key to long-term progress.

5. 🧠 Understanding what your life insurance is actually doing for you.

6. 🏖️ Timeshares—do we love 'em, hate 'em, or just help you get outta them?

7. 📊 Why business owners need three budgets (yes, three—deep breaths, y’all).

We got into some real talk about why planning your money ahead of time—especially on payday—helps you move forward without the stress spiral. And you know we’re always here to remind you that it's okay to make it work your way. You don’t have to follow every “rule” to the letter to see big changes.

Golden Nugget 💡

“You can’t make progress if you’re constantly stuck in indecision. Pick a plan, stick with it, and give yourself the freedom to tweak it as you go.”

Whether you're juggling business and personal budgets, questioning that life insurance policy you signed up for years ago, or trying to dig out of IRS and credit card debt—you’re not alone. We see you, and we’re cheering you on.

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 budget besties! 💸 We’re back with a replay of one of our faves—a fun, real, and ridiculously helpful convo with our girl Kali from the Perfect-ish Podcast. We got together to talk about that post-holiday money fog (aka the holiday hangover), and how to kick off 2025 with clarity, confidence, and a budget system that actually works. 🎉

Whether your receipts are still crumpled at the bottom of your purse or you're just ready to break the cycle of starting strong and fizzling out, this episode is packed with simple steps to help you finally feel in control of your time and money—without burnout, shame, or boring spreadsheets. 🙅‍♀️

Let’s talk separate spending accounts (yes, you can have more than one checking account), budgeting that runs automatically, and how to fund your life and your future—with room for coffee dates, family fun, and bougie gifts too. ✨

In this episode, we cover:

1. Why budgeting feels hard (and how to make it easier)

2. What a real budgeting system looks like

3. How to set up your money to manage itself (yes, really!)

4. The truth about unexpected expenses (spoiler: they’re not that unexpected)

5. How to create savings buckets for Christmas, car repairs, and the fun stuff too 🎁

6. Why being bougie on a budget is totally the vibe for 2025

Takeaway? You don’t need to restrict your life to get your money right. You just need a system that matches your lifestyle, your goals, and your values. Let’s do it together, bestie.

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!