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  • How to Set Up a Bills Account, Get a Paycheck Ahead, and Budget as a Couple | 438
    2025/07/25

    Snag Our Simplified Budget System!

    Budget besties, meet Jen! She’s juggling bills, kids’ activities, and those sneaky “surprise” expenses that always pop up. Sound familiar? In this coaching session, we walk Jen through one of the hardest (but most powerful!) first steps in budgeting: setting up a dedicated Bills Account and shifting from paycheck-to-paycheck panic to a system that actually works.

    We talk about:

    1. Why starting with one simple change (direct deposits going into a Bills Account) can create instant peace of mind

    2. How to figure out what you really cost each month by writing it all down in one place

    3. The difference between snowball vs. avalanche debt payoff — and when to use each

    4. How to start saving for those “pop-up” expenses so they don’t keep derailing your plan

    5. Tips for talking with a partner about money without it turning into a stress-fest

    Jen came in feeling like she was just “winging it,” but left with a clear plan for getting one step ahead. If you’ve been living paycheck to paycheck and dreaming of finally feeling on top of your money, this episode is 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 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!

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    22 分
  • High Income, Still in Debt: Why Financial Planning Matters More Than Ever | 437
    2025/07/23

    Snag Our Simplified Budget System!

    Budget Besties, let’s talk about that frustrating feeling of, “We’re making good money… so why does it still feel like we can’t get ahead?”

    You’re not imagining it—life is expensive. But there’s also something else going on: you might be underestimating what real life actually costs. (Spoiler: five kids aren’t eating on $100/month at Chick-fil-A. Sorry bestie, it’s just not happening.)

    In this episode, we get into:

    1. Why even high-income earners still live paycheck-to-paycheck (and it’s NOT because they’re “bad with money”)

    2. The danger of “hopeful budgeting” vs. real-life budgeting

    3. Why minimum payments on debt might be your secret weapon (for now)

    4. How labeling savings buckets (hello, “Melanie’s Wedding Fund”) keeps your money safe from impulse spending

    5. Why a plan—not just good intentions—is the real game-changer

    We’re diving deep into the myths about what “should” work with budgeting and showing you how to build a plan that actually does. Whether you’re making $40k or $400k, the rules are the same: real numbers, realistic expectations, and a system that takes the chaos out of your money.

    Because bestie, you’re not bad with money. You just need a plan that works for your 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 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!

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    17 分
  • Why You Blow Up Your Budget Right When It Starts to Work—And How to Fix It in 10 Minutes | 436
    2025/07/21
    Snag Our Simplified Budget System!Budget Besties, gather 'round—this one’s for every one of us who’s ever blown the budget and thought, “Welp, that’s it. I ruined everything.”Spoiler alert: You didn’t.In this episode, Shana and Vanessa get real about what budget self-sabotage looks like (hello “oops, I used the bill money on a Target run”) and why it happens more often than we’d all like to admit. Whether it’s the chaos we’re used to or that sneaky feeling that “it’s too easy, something must be wrong,” we’re here to say you are not alone—and it is 100% fixable.✨ What We’re Talking About:What self-sabotage with money actually looks like (yes, we have examples!)The psychology behind it—why we mess things up just when it starts workingHow to practically fix a blown budget in 10 minutes or lessWhat to do when shame kicks in (and why it’s a total time-waster)How coaching clients bounce back stronger—and so can youWe’re not here for guilt or shame. We’re here for clarity, growth, and showing you how easy it can be to get back on track. Whether you accidentally used your bills debit card, overspent on a trip, or blew through a surprise paycheck—take a deep breath. This isn’t a failure. It’s a budget detour.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!
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    14 分
  • From Financial Shame to Freedom: How Eliana Paid Off $100K and Took Back Control of Her Money | 435
    2025/07/18
    Snag Our Simplified Budget System!Meet Eliana — wife, mom, and total powerhouse — who joined coaching just 9 months ago feeling overwhelmed, disorganized, and ashamed that she “should have this all figured out by now.”Fast-forward 9 months, and here’s what she’s done:✅ Paid off 14 debts (out of 19 total!)✅ Cleared nearly $100,000 in debt✅ Went from “hiding money in random accounts” to organized savings + spending buckets✅ Had regular girls days, vacations, and bougie family moments — with cash✅ Set up 13 separate accounts and finally automated her finances✅ Involved her kids and husband without conflict, guilt, or stress✅ Swapped shame for confidence + clarity🎙 What You’ll Hear in This Episode:The real reason Eliana was using credit cards (even though she didn’t need to)Why spreadsheets weren’t working and how the system changed everythingHer before-and-after mindset shift around budgeting (hint: it's not restrictive)How she and her husband work as a team — even though she’s the one on coaching callsThe power of automating her transfers… even if it took 9 months 😉How she taught her daughter about boundaries (and budgeting for bougie)Why she calls this “liberating” — not limitingConnect 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!
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    28 分
  • From $3K in Debt Payments to $2.4K in Savings: How One Single Woman Took Back Her Finances | 434
    2025/07/16
    Snag Our Simplified Budget System!One of our single clients came to us with over $263,000 in debt.💳 $3,000/month in minimum payments💔 No savings😩 Business and personal finances completely mixed👉 But she was ready for change.In just 7 months, here’s what she accomplished with our coaching and system:🔥 Her Before:💸 $263,000 in total debt💳 $69,000 in non-mortgage debt🧾 10 different loans (credit cards, RV, HELOC, debt consolidation, etc.)💰 $3,000/mo in minimum debt payments💼 Personal + business finances mixed🚫 No emergency fund, no savings system📉 Living paycheck to paycheck — despite a $7,500/month income✅ Her After:💥 $263K debt reduced🧨 Minimum payments dropped from $3,000 ➡️ $1,200/month💵 Saving $2,400/month for sinking funds💡 Business + personal finances completely separated🐶 Has dedicated savings for pets, travel, Christmas, home maintenance🏡 Downsized to a condo, paid for all renovations in cash📈 Net worth: $684,000✨ Living on purpose, with peace and margin — not just reacting to her bank balance💡 What She Did (Step by Step):✅ Joined coaching for 7 months🧠 Borrowed our belief until she had her own🏦 Opened 13 accounts (bills, spending, savings, business, etc.)🔁 Set up automatic transfers based on paycheck📞 Called every creditor — reduced interest, deferred a car loan for a month🔎 Canceled warranties + subscriptions📉 Shopped all her insurances — saved $2,500/year (then another $5,600 when she moved)🐄 Made a cow savings bucket 🐮 (we’re obsessed)📋 Calculated her actual annual life costs📊 Started using the retirement tab in our budget system📆 Learned how to properly plan for 3-paycheck months📱 Got organized — and finally felt in control of every dollarConnect 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!
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    32 分
  • How Much “Fun Money” Should You and Your Spouse Get Each Month? (Hint: It’s Non-Negotiable) | 433
    2025/07/14

    Snag Our Simplified Budget System!

    Alright, budget besties—this one’s a hot topic! How much personal spending money should you and your spouse get each month? Is $100 too low? Is $1,000 too high? Should it be cash? Should it be a card?

    In this episode, Shana and Vanessa break it all the way down—from the emotional side of spending freedom to the practical steps of budgeting it in. This conversation was sparked by a lively debate in our Facebook group (come join us—it’s free and fun at budgetbesties.com/facebook), where folks shared their wide-ranging numbers—from $40 to $1,000 a month!

    Here’s what we cover:

    1. 🛑 Why personal spending money is non-negotiable—yes, both of you need it

    2. 💵 How to figure out the right amount for your lifestyle and your budget

    3. 🔁 Why your spending number might shift depending on your season of life

    4. 🧾 The difference between personal money vs. other spending (like gas, groceries, or glam-up expenses)

    5. 🧠 Tips for automating your transfers and whether cash or cards are better

    6. 💳 Why separate accounts can make budgeting easier and less stressful

    7. 🧘🏽‍♀️ How personal spending helps heal old money habits and guilt

    This episode will help you (and your partner!) give yourselves permission to spend, with freedom and boundaries. It’s not about the exact number—it’s about being intentional.

    Wanna learn more about how we help couples build a budget they can actually stick to (and still have fun)? Our coaching programs and personalized budget templates are designed to give you clarity, confidence, and a little breathing room.


    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!

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    16 分
  • Can You Really Budget Without Feeling Trapped? Danielle’s Story Says Yes | 432
    2025/07/11

    Snag Our Simplified Budget System!

    Hey Budget Besties! 💛

    This week’s episode is a powerful reminder that financial recovery is possible — and it starts with one brave decision at a time.

    Danielle joined us fresh off her family’s bankruptcy discharge. After years of being buried in credit card debt, she and her husband are finally getting some breathing room — and she’s determined not to go back.

    She’s taken some huge steps already (hello high-yield savings and separate bank accounts 👏), but now she’s looking for a real plan. One that brings peace, not pressure. And that’s where we came in.

    Inside this coaching session, we cover:

    1. Why “strict budgeting” is not the vibe — but real budgeting is still essential

    2. The truth about paycheck budgeting (spoiler: it’s not working)

    3. How to split your spending into categories that make sense (and reduce arguments!)

    4. Why multiple checking accounts can be your secret weapon — especially if you're the only one managing the money

    5. The mindset shift from “his money vs. my money” to “our vision”

    6. How to get intentional about every dollar — even that overtime pay

    7. Building savings buckets that are personal, powerful, and actually work

    8. What to do next when the credit cards are gone but you're still stuck in survival mode

    Danielle is doing so much right — she's motivated, she's organized, and she's ready. We just gave her the strategy to match her heart.

    If you’ve ever felt like you’re “kind of budgeting” but still overwhelmed... this episode is your next step. 💪


    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!

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    20 分
  • How to Stop Financial Avoidance and Start Adulting With Peace and Purpose | 431
    2025/07/09

    Snag Our Simplified Budget System!

    Hey Budget Besties! 🎉

    We’re throwing it back to one of our fave convos on the Work Like a Mother podcast with our girl Marina! If you missed it the first time, or just need a fresh dose of budgeting wisdom and encouragement, this one’s for you.

    This episode is the perfect listen for anyone trying to get their financial act together in January (aka all of us). We talk through what it really means to reset your money mindset for the new year and how to plan for the year ahead without shame, overwhelm, or swiping your way into another stressful December.

    In this replay, we chat about:

    1. Our signature budget system that makes money feel less messy

    2. How multiple bank accounts actually make things easier (promise!)

    3. Getting your partner on board without turning it into a fight

    4. Real-life wins from our clients — like paying bills on time for the first time ever 🙌

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

    6. Credit card payoff strategy: step one is NOT what you think

    7. Christmas savings hacks that’ll have you walking into December stress-free

    8. What it really costs to raise teens (spoiler: it’s not just shoes and snacks)

    9. Thoughts on college planning, guilt-free parenting, and raising financially-savvy kids

    Whether you're feeling stuck in survival mode or just want to tighten things up and get intentional, this episode is your reminder that you can spend, save, and thrive—all at the same time.

    Let’s adult for an afternoon, get those numbers on paper, and make a plan that actually works for your 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 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!

    続きを読む 一部表示
    32 分