Financial Coaching for Women: How To Budget, Manage Money, Pay Off Debt, Save Money, Paycheck Plans
***TOP 1% MONEY & FINANCIAL SUPPORT PODCAST*** Do you make good money but have nothing to show for it? Tired of using your bank account & credit card balances as your budget? Want to get debt-free but don’t want to sacrifice everything to do it? Ready to save money and build generational wealth? You’re in the right place! We’re telling you exactly how to budget, pay off debt, save money & stop living paycheck to paycheck. We’re Shana & Vanessa: BFFs, business partners & Dave Ramsey Solutions Master Financial Coaches (and unofficial marriage counselors). We’re glad you’re here.
How to Make a Monthly Budget (Build Your July 2026 Money Plan Step-by-Step With Us) | 582
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Budget besties, can you believe July is already here? We are officially stepping into the second half of the year, which means this is the perfect time to pause, reset, and make a money plan that actually works for real life.
In this episode, Shana and Vanessa walk us through creating a July budget step by step. Whether June felt chaotic, your first half of the year did not go exactly as planned, or you are ready to get...
After YNAB and Dave Ramsey: The Budget System That Finally Worked | 581
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Budget besties, this episode is such a good one because Brianne came ready to preach.
When Brianne first came to coaching, she was a newly divorced single mom, self-employed, and convinced she couldn’t afford help. She had used YNAB for years, taught Financial Peace University, knew her numbers inside and out… and still felt like her budget wasn’t actually working.
The big shift? Realizing she didn’t need more tracking, more software, or more busy work. Sh...
Money Mindset Reset: Stop Avoiding Your Numbers | Reair: Mama's Tired with Rachel Kind | 580
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Check out Rachel's Podcast Mama's Tired Here.
Let’s Take Our Relationship To The Next Level:
1️⃣ Facebook Group ➡︎ budgetbesties.com/facebook
2️⃣ Be on the Podcast ➡︎ budgetbesties.com/livecall
3️⃣ Private 1-on-1 Coaching. ➡︎ budgetbesties.com/coaching
This podcast is for educational and informational purposes only and is not personal financial, legal, or tax advice.
This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purc...
10 Top Tips to Pay Off Debt and Stop Using Credit Cards | 579
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Trying to pay off debt but still feel like nothing is working? In this episode, Shana and Vanessa are breaking down 10 of their best debt payoff tips to help us stop spinning our wheels, stop making debt worse, and start making real progress with a plan that actually fits real life.
We’re talking about why your credit card balance is not your budget, how to figure out how much you can actually put toward debt, and why the “best...
Budgeting in a Hard Season: How to Stay Stable Without Extra Income | 578
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In this coaching session, Shana and Vanessa sit down with Chantelle, a longtime listener and budget bestie, who shares her experience navigating a difficult season of life. After stepping away from her job to advocate full-time for her son's medical needs, Chantelle is learning how to manage an unpredictable income while staying focused on what matters most.
Together, they discuss what it means to budget during "storm mode," how to handle fluctuating side hustle income, the purpose of a...
The Budget Mistakes That Keep You Living Paycheck to Paycheck | Lessons From The Sessions | 577
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Budget besties, this episode is all about what happens when your money life has a lot of moving parts: personal finances, business income, real estate, trusts, debt payments, vehicles, savings goals, and everyday spending all tangled together.
Shana and Vanessa walk through a real client example where three separate budgets helped create major clarity. Once everything was on paper, this client and her husband could finally see what was happening, make informed decisions, and start the domino effect by...
How to Stop Feeling Stressed About Money Without Tracking Every Dollar | Reair: All Things Excellence Podcast with Chelsey Debruin | 576
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Budget besties, this one is for anyone who has ever said, “I don’t need a budget,” while also wondering where all their money went.
In this episode, Shana and Vanessa get real about why budgeting is not about restriction, shame, or living on beans and rice. It is about giving every dollar a job so our money can actually support the life we want — the trips, the family fun, the savings goals, the debt...
How This Single Mom Stopped Using Credit Cards and Paid Off $31K of Debt With a Simple Budget System | 575
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When Sarah first found Financial Coaching for Women, one phrase stopped her in her tracks:
"You make good money but have nothing to show for it."
As a single mom, Sarah felt like she should have been further ahead financially. She was earning more than ever before, but still felt stuck. Credit cards, unexpected expenses, and a lack of a clear system kept her spinning her wheels.
Fast forward less than a year and Sarah...
Where Is All My Money Going? How One Mom Found $1,000 in Her Budget | 574
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What happens when you finally see all of your finances in one place?
In this episode, Michelle from Budget Besties Office Hours shares the story of a military mom facing a huge overseas move, major life changes, and overwhelming financial stress. After listening to the podcast and joining Office Hours, she jumped into the Simplified Budget System and quickly discovered:
✅ An extra $1,000 a month she didn't realize she had
✅ Over $200 a month in unused subscriptions
Get Out of Debt Faster: The Simple Debt Payoff Plan That Finally Works | 573
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If you're tired of sending your hard-earned money to credit cards, loans, and debt payments every month, this episode is for you. In this episode, we're talking about what getting out of debt really looks like, common mistakes people make, and how to create a plan that helps you keep more of your money.
Because the goal isn't just making payments forever. The goal is getting your money back.
Let’s Take Our Relationship To The Next Le...
How to Decide Between Paying Off Debt or Building Your Savings | 572
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In today’s episode, we’re answering YOUR money questions in real time. No prep. No scripts. Just honest conversations about budgeting, debt, savings buckets, and figuring out what actually matters most in your season of life.
We’re talking through:
Should you put extra money toward debt or savings?What savings buckets matter most right now?How do you know if you have a spending problem or an income problem?What if your budget feels tight no matter...How to Simplify Your Budget With Separate Accounts, Automation and Your Bank App | Reair: Ambitious Time Management Strategies for Working Moms with Kristen Edwards | 571
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Ready? Buy Our Simplified Budget System Now!
Check out ths reair from our friend Kristen's Podcast: Ambitious Time Management: Strategies for Working Moms
Let’s Take Our Relationship To The Next Level:
1️⃣ Facebook Group ➡︎ budgetbesties.com/facebook
2️⃣ Be on the Podcast ➡︎ budgetbesties.com/livecall
3️⃣ Private 1-on-1 Coaching. ➡︎ budgetbesties.com/coaching
This podcast is for educational and informational purposes only and is not personal financial, legal, or tax advice.
This description may contain affiliate links, meaning we may get a commi...
Make Your June 2026 Budget with Us: A Step-by-Step Monthly Money Plan | 570
Curious? Take The Free Money Stress Quiz!
Ready? Buy Our Simplified Budget System Now!
Have you made your June budget yet? In this episode, we’re walking you through exactly how to build your monthly budget from start to finish. We’re covering how to close out May correctly, update your real numbers, plan for spending, organize your bills, set up savings buckets, and figure out how much extra you actually have to throw at debt.
This is the exact process we use with our clients to stop the paycheck-to-paycheck cycle and finally feel...
How to Stop Pop-Up Expenses From Derailing Your Budget | 569
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Jen is tired of feeling like every paycheck is already spent before it even hits the account. Between dance competitions, surprise expenses, kids’ needs, and trying to “make it work,” she feels stuck in the constant cycle of hoping there’s enough money to cover everything.
In this coaching session, we walk Jen through the very first steps to stop winging it and finally create a simple system for her money. We talk about:
Why your bills account should b...Making Good Money but Stuck in Credit Card Debt? How This Couple Avoided Debt Consolidation | 568
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Caroline and AJ both booked a free call… without knowing the other one had already done it. That’s how ready they were for change. 🙌
They were working full time, running a growing wedding photography business on nights and weekends, and still wondering:
Why isn’t the money stacking up?Why are we still in debt?Why does this feel so stressful?They were doing all the “right” things. Good jobs. Successful side hustle. Working nonstop. But no system...
How to Budget Variable Income So You Can Spend Freely, Save for Big Goals, and Invest | Multi-Six-Figure Family Case Study | 567
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Hey budget besties!
Today we’re bringing you a real-life coaching case study—and y’all, this one is so good. Because you might see yourself all over it.
This adorable young couple (two kids, big dreams, cutest energy ever) came to us making great money… and spending it just as fast. He was 100% commission in finance (plus quarterly bonuses 😅), which meant income was high—but unpredictable. And when money feels random, spending gets random too.
They didn’t...
Feel Broke Even After Payday? Try This 10-Minute Money Reset | 566
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Budget besties… do you have 10 minutes?
Because if you do, we’re about to give you the easiest, quickest, least-overwhelming way to organize your finances. And we mean actually organize them — not just “everything’s fine” while the room is metaphorically on fire. 🔥🐶
You know the meme.
“This is fine.”
If you’ve ever looked at your bank account and thought:
“There’s money in there, so I think I’m good?”“Wait… did that bill already come o...How to Stop Spending the Money You Need to Pay Your Bills | Lessons From The Sessions | 565
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Budget besties… we love you. But if you remember NOTHING else from this episode, remember this:
Take the Bills debit card out of your wallet.
Yes, we said it loud. Yes, we’re serious. And yes… we’ve probably said it every single episode since we started coaching.
In this episode, we’re breaking down what happens when the Bills account becomes the “everything” account — airport hoodies, Chick-fil-A, Uber, school lunches, dry cleaning, Ann Taylor (because apparent...
How to Afford Summer Camps and Activities Without Going Broke: Plan a Fun Summer on Budget | 564
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Budget besties… it’s here. SUMMER. 😅
The kids are about to be home, the swimsuits don’t fit, the camps are filling up, and somehow it already feels like your budget is sweating.
If we can plan for back-to-school and Christmas all year long… why aren’t we planning for summer the same way?
In this episode, we’re walking you through how to create a summer that feels fun, intentional, and aligned with your values — withou...
How to Get Caught Up When Your Budget Feels Like a Mess: The No-Shame Plan for Getting Back on Track | 563
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Budget besties, this episode is for the moments when we look at our income and think, “We should be okay… so why are we still behind?”
In this coaching call, Shana and Vanessa talk with Chelsea, a mom of five in a single-income household, who is trying to catch up on bills, manage debt, and figure out why the money keeps disappearing even when they’re making good money.
Together, we walk through what to do when you’re b...
Avoiding Credit Card Debt in a Hard Season: Budget Help, Side Hustles, and Real Wins | 562
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Ready? Buy Our Simplified Budget System Now!
Budget besties… this one is GOOD.
We’re back with the one and only 🎶 Coach Michelle 🎶 — our office hours queen and now the go-to for our Budget Setup Sessions!
Today’s convo is all about what happens when real life hits your budget… and how community + clarity changes everything.
💛 When You’re Trying to Stay Debt-Free in a Hard Season
Michelle shared the story of one of our longtime office hours friends:
Hard-working mamaSupp...Budget Shortcuts for Busy Moms: How to Put Your Money on Autopilot | 561
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This episode is for every mom who feels like she’s running a full-time taxi service, short-order cook, event planner, and somehow also expected to “just budget” on top of it all.
We see you. We are you.
Between volleyball tournaments, gymnastics, long drives, team dinners, school surprises, and figuring out who’s buying $9 eggs this week… there is NO extra time to sit down with a complicated spreadsheet.
So today’s episode is all about budget...
From Cash Envelopes to Digital Envelopes: How Cindy Made Budgeting Easier in Retirement | 560
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Ready? Buy Our Simplified Budget System Now!
Cindy’s story is one so many of us can relate to.
After her divorce, she was suddenly in charge of everything financially. She was budgeting on a legal pad every paycheck, carrying around a purse full of cash envelopes, and dumping all extra money into one big savings account.
It was working… technically.
But:
She didn’t know what her savings was actually for.Unexpected expenses always came from the same big pot.Fun sp...Not Your Grandma’s Budget: How to Budget When You Hate Budgeting | Reair: Money Magnet Mama with Masha Goins | 559
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Hey budget besties 💕
If the word budget makes you want to run the other way, this episode is for you.
Today we’re chatting with an entrepreneur who came into coaching with major resistance to budgeting. To her, it meant restriction, frugality, and being stuck in a financial cage. Sound familiar?
But what she discovered?
This isn’t your grandma’s budget. This is a budget system — and it crea...
How To Build Your Monthly Budget: Plan Your Money Step by Step | 558
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We’re talking about the B word — and no, not in a scary way.
Here’s the truth:
Most of us are running the same “money operating system” we had at 18. Meanwhile… life got more expensive, more complicated, and way busier.
So what do we do?
We upgrade the system.
Not with more tracking.
Not with spreadsheets you have to babysit.
Not with budgeting apps that turn you into an...
Stop Letting Money Control You: Mindset + Money Habits for Real Abundance with Rebecca E. Whitman | 557
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Ready? Buy Our Simplified Budget System Now!
Hey budget besties, this conversation is such a good reminder that true wealth is about so much more than what is sitting in your bank account. In this episode, we sit down with mindset coach Rebecca Whitman to talk about abundance, financial empowerment, and why money works best when it supports a full, healthy, joy-filled life.
Rebecca shares her personal story of resilience, how she rebuilt after divorce and loss, and why she believes financial success starts with alignment...
How They Paid Off $30,000 of Debt in 6 Months (Without Being "Gazelle Intense") | 556
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Ready? Buy Our Simplified Budget System Now!
We walked through a real-life case study of a totally normal family — married, two kids, busy jobs, travel sports — bringing in $16,000 a month but carrying over $300,000 in debt (not including their mortgage) with $6,300 in minimum payments alone. After a tough season of loss and emotional spending, things spiraled. She had 34 debts and felt suffocated. But in just six months of coaching — without increasing their income — she paid off 11 debts and $30,000 total, reduced minimum payments by nearly $1,000 a month, got a full paycheck...
The Budget Mistake Keeping You Stuck Living Paycheck to Paycheck | 555
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This week, we pulled two real questions from our Facebook group, and they both came down to one thing: savings buckets. We’re talking through how to save for something coming up in just a few months, what to do when quarterly or annual bills pop up, and why you do not need to track every single dollar in your account at every moment.
If you’ve ever wondered how to make short-term savings goals work inside your budget, how...
How to Stop Fighting About Money With Your Spouse | 554
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Why do smart, hardworking couples who make good money still end up stressed, stuck, and fighting about money every month?
In this episode, we’re getting real about what’s actually going wrong for so many couples. It’s usually not a lack of effort. It’s not laziness. And it’s not because they “should know better.” More often, it’s an organization problem, not an income problem.
You’ll hear real stories from couples who were tired of gues...
Business Money Feels Messy? Bookkeeping Is Not The Fix | Lessons from the Sessions | 553
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In this episode, we’re talking about what it really costs to run a business and why savings buckets are not a one-time thing. They are a revolving door. Money goes in, money comes out, and that cycle is what keeps us prepared for the real expenses that pop up all year long.
We walk through examples from two very different businesses, an equestrian business and a restaurant, to show how unpredictable expenses, vendor payments, payroll, supplies, and seasonal ch...
Why Your Money Feels Disorganized (And How to Finally Fix Your Budget) | 552
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Budget besties, if your money feels messy, scattered, or impossible to keep up with, this episode is for you. We’re answering real questions from our Facebook community about what makes money feel so disorganized and how to fix it in a way that actually works in real life.
We talk about why one big savings account creates confusion, how separate savings buckets can bring instant clarity, why goals matter more than most people realize, and what to do wh...
Why Smart Women Still Struggle to Budget and How to Finally Take Control Without Shame | 551
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In this episode, we talk with a woman who is successful, educated, and fully capable in every other area of life, but still feels completely out of control with her money. And honestly, that is something so many of us can relate to.
We get into the truth about why budgeting can feel so hard, especially when your money is spread across multiple accounts, cards, apps, and payment platforms. We also talk about the guilt and shame that can...
The Mom-Friendly Budget That Makes Room for Debt Payoff, Date Nights, and Travel Sports | Reair: Amy Dave, This Incredible Mom Life | 550
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Budget besties, this episode is your reminder that a budget does not have to feel restrictive, confusing, or like a punishment. We’re talking all about how to make budgeting simple, realistic, and supportive of the life you actually want to live.
In this conversation, we share why so many people struggle with budgeting in the first place. The truth is, most of us were never actually taught how to do it. We we...
How to Stop Living Paycheck to Paycheck: Get One Paycheck Ahead | 549
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Ready? Buy Our Simplified Budget System Now!
Hey budget besties, if you feel like every single dollar already has a job before it even hits your account, this episode is for you. We’re talking about how to break out of the paycheck-to-paycheck cycle by getting a paycheck ahead.
We walk through what that actually means, why looking at your budget monthly changes everything, and the small ways you can create wiggle room even when money feels tight. From cutting subscriptions to lowering minimum payments to sh...
She Paid Off $20K of Debt in 5 Months Without Giving Up Vacations: Here’s How | 548
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Ready? Buy Our Simplified Budget System Now!
What happens when you are good with money on paper, but real life gets more expensive, more complicated, and way harder to manage once kids enter the picture?
In this episode, we sit down with Brittany, who shares how she went from feeling like she was constantly paying for last month to finally getting ahead with a budgeting system that actually worked for her real life. After trying budgeting apps that felt overwhelming, restrictive, and way too focused on...
How to Lower Debt Payments, Stick to Your Budget, and Stop Living Paycheck to Paycheck with Coach Michelle | 547
Curious? Watch Our How To Budget Workshop!
Ready? Buy Our Simplified Budget System Now!
Michelle is back from office hours, and this episode is full of the kind of wins that remind us why budgeting matters. We are talking real-life progress, not perfection. From staying on budget for a kid’s birthday to paying for Disney in cash, these budget besties are proving that clarity and intentionality can change everything.
This conversation is part strategy, part therapy, and honestly, that is what so many of us need. Sometimes we need a plan. Sometimes we...
55% of Americans Say Money Is Their Biggest Stress — Here’s What’s Causing It | 546
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Ready? Buy Our Simplified Budget System Now!
Did you know 55% of Americans say money is the biggest source of stress in their lives? Budget besties, we are not surprised.
In this episode, we’re talking about why money feels so heavy, why it keeps us up at night, and why it causes so much tension in our homes and relationships. The truth is, for most of us, it’s not just about how much money we make. It’s about disorganization, not knowing our numbers, and trying...
How to Budget When Life Hits Hard: Medical Bills + A Grocery Plan That Works | 545
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Ready? Buy Our Simplified Budget System Now!
In this heartfelt episode, we talk with Alana, a wife and mom of three who is navigating recovery after two heart attacks at just 36 years old. In the middle of a serious health crisis, she shares how getting her budget organized has brought her a real sense of peace.
Alana opens up about medical leave, disability income, surprise bills, and the mental load of managing money for a family with multiple dietary restrictions. Together, we talk through what is...
How to Lower Your Credit Card Payments and Free Up Cash Fast | 544
Curious? Watch Our How To Budget Workshop!
Ready? Buy Our Simplified Budget System Now!
Do you make good money but still feel like you have nothing to show for it? Budget besties, this episode is full of real-life coaching lessons that prove small money moves can make a huge difference.
We’re sharing client stories and honest budget breakthroughs, from lowering debt payments by more than $400 a month, to fixing sneaky budget issues like “every 4 weeks” expenses, to knowing when to pause savings buckets so you can knock out debt faster.
We’re...
Make Your Budget with Us: Plan Your Month and Your Money in 20 Minutes | 543
Curious? Watch Our How To Budget Workshop!
Ready? Buy Our Simplified Budget System Now!
Budget besties, April is basically here, and that means it’s time to make a fresh budget before the month starts.
In this episode, we walk through exactly how to build your April budget step by step in a way that feels simple, realistic, and doable. We’re talking about how to list your income, include your minimum debt payments, organize your bills, set spending categories that actually fit your real life, and plan ahead for the month-specific expenses that...
