Financial Coaching for Women: How To Budget, Manage Money, Pay Off Debt, Save Money, Paycheck Plans

• 393 | Coaching Call with Lindsay: Tackling IRS Debt, Timeshares & Inconsistent Income

  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:💸 IRS debt vs. credit card debt—what should come first?🧾 How to make payments feel doable and stop decision fatigue in its tracks.🏦 Setting up a holding account to make irregular income feel consistent.🛑 Why stopping the use of credit is key to long-term progress.🧠 Understanding what your life insurance is actually doing for you.🏖️ Timeshares—do we love 'em, hate 'em, or just help you get outta them?📊 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!  

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• 392 | A Perfect(ish) Chat About Time, Money & Ditching the Holiday Hangover

  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:Why budgeting feels hard (and how to make it easier)What a real budgeting system looks likeHow to set up your money to manage itself (yes, really!)The truth about unexpected expenses (spoiler: they’re not that unexpected)How to create savings buckets for Christmas, car repairs, and the fun stuff too 🎁Why being bougie on a budget is totally the vibe for 2025Takeaway? 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!  

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• 391 | Cash Stuffing, But Make It Digital: Auto Transfers Instead of Cash Envelopes

  Snag Our Simplified Budget System!Cash stuffing is cute and all — we see the TikToks too 👀 — and while we do love the intention behind it, we also know a lot of us don’t have time (or the desire) to carry cash everywhere.In this episode, Shana and Vanessa are breaking down the why behind the popularity of cash stuffing — the visual appeal, the sense of control, the fun little binders (we see you, stationery girlies 💅) — and giving you a level-up version that works for your real life.✨ Introducing: Digital Cash StuffingYep, same concept, same budgeting structure, but done with your bank app. You’ll learn how to:Set up multiple bank accounts as your digital envelopesRename them (get creative — “Hawaii: I’m going surfing” is fully encouraged)Use automatic transfers to make it all happen without lifting a fingerWatch your savings grow in real-time — especially in high-yield savings accounts 👏Keep control of your spending buckets without needing to break a $20Whether you’re saving for a volleyball tournament, a bougie vacation, or just your weekly groceries — we’ve got you. You can still have the same intentionality, accountability, and fun without the ATM runs.This is budgeting for your busy, boss-level life. 💻✨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!  

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• 390 | Healing Your Money Story: How Shan Wright Found Peace Through Faith and Finances

  Visit Shan's ⁠Website!⁠Check out her podcast Holistic Moms! Snag Our Simplified Budget System!Budget besties, you are not ready for the realness and healing in this one! 💸✨ We sat down with their friend Shan Wright, a holistic wellness coach, mama of four, and all-around truth-speaker, to talk about something we all wrestle with at some point: our relationship with the B word… yep, the budget.Shan takes us through her powerful journey from full-on avoidance and anxiety to experiencing peace and partnership around money. She shares how childhood experiences, emotional baggage, and even spiritual healing shaped the way she saw money—and how she reprogrammed her mindset and rewrote her money story, with faith and accountability leading the way. 🙌We dive into:Why “just let your spouse handle it” isn’t the answer (even if they’re good at it!)The connection between money wounds and anxietyHow reprogramming your brain literally works (hello, science AND scripture!)The power of speaking truth over your finances—even when it feels like a lieWhat it really looks like to do the heart work before the hard work 💛This is for every bestie who’s ever thought, “I’m just not good with money” or “It’s too late to change.” Spoiler alert: it’s not too late, and you can do this.🛠️ Two key takeaways:Dig up the lies you believe about money and where they came fromStart speaking truth—God’s truth—over your finances and your future✨ Want more Shan? Find her at theshanwright.com, check out her Facebook group for holistic moms, and listen to her podcast, Holistic Moms—she’s the real deal, y’all.💬 Favorite Quotes:“When you're letting your spouse handle all the money, it's like letting one parent do all the parenting.”– Shana“Obedience precedes the miracle. I didn’t know what would come from healing my finances—but I knew I needed to obey.”– Shan“The truth might sound like a lie at first. That’s how you know you're pulling out the old weeds.”– Shan📲 Let’s Be Social:Hey budget besties—has money ever made you anxious? Did anything Shan said hit right where it hurts (in the best way)? DM us, or tag us in your biggest a-ha moments from this episode!And remember: we don’t have to carry this alone. Financial healing is possible—and it can actually be fun when we do it together. ❤️‍🩹💵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!  

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• 389 | Budgeting in Your Busy Era: How to Set It and Forget It (Yes, Really!)

  Snag Our Simplified Budget System!Listen, budget besties—we know you want to be good with your money… but you don’t want to track every single transaction like it’s your side hustle. Good news? YOU 👏 DON’T 👏 HAVE 👏 TO.This episode is your permission slip to let go of complicated budgeting systems that take hours to manage. If you’ve ever said, “I want to get better with my money, but I’m just too busy,” this one’s for you. Whether you’re chasing kids, chasing deadlines, or chasing a volleyball tournament like us (seriously, we’re recording this between matches), we’re breaking down our Set It and Forget It method that actually works—without requiring a spreadsheet obsession or 12 new apps.This is budgeting made simple, automatic, and dare we say… fun. 🙌Here’s what we cover in this episode:💸 Why traditional budgeting feels like a chore (spoiler alert: too many categories and perfectionism pressure)⏰ Why you don’t need to spend hours tracking expenses to be good with money🙅‍♀️ The real reason being “busy” shouldn’t stop you from budgeting—and how to work with it, not against it🧠 How to automate your bills so they literally pay themselves📥 Why getting one paycheck ahead is the key to autopay success📲 Using your banking app as your personal assistant (no, really)💰 Setting up automatic transfers for spending and savings—so you never forget and never fall behind🛍️ Creating spending accounts that do the tracking for you (bye receipts and budget guilt!)🧾 Why tracking every single dollar isn’t the flex you think it is—and how simplicity leads to success✨ Real client wins: From Excel chaos to paying off $50K in debt (with vacations and cash Christmas too!)Our 3-Step “Set It and Forget It” Budget System:Automate your bills: One bills account + autopay = brain space savedAutomatically fund spending + savings: Schedule transfers for groceries, gas, and your savings bucketsUse spending accounts instead of tracking: No spreadsheets. Just swipe, check your balance, and go 💅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!  

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