Podcast · 201 episodes
Financial Coaching for Women: How To Budget, Manage Money, Pay Off Debt, Save Money, Paycheck Plans
by Vanessa and Shana | Budget Besties | Bougie On A Budget | Dave Ramsey Fans · English
***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.
Latest episodes
How to Budget With Irregular Income Without the Feast-or-Famine Cycle | 625How to budget with irregular income (e.g., sales) without feast-or-famine, keeping bills/debt/spending consistent using “bare bones” budgeting, savings buckets, and an income-holding/backup paycheck…30 Sep 2026 · 13 min
[NEW] How to Make Your October Budget: A Step-by-Step Monthly Money Plan | 624How to build an October budget step-by-step, including closing out September, entering income, listing minimum debt payments, separating bills vs spending, adding savings buckets, using a buffer, and…29 Sep 2026 · 28 min
How to Budget for October Without Feeling Restricted or Overwhelmed | 624Creating an October budget using the “Simplify Budget System” by closing out September, replacing plan numbers with actuals, updating asset/debt trackers, then filling five categories: income,…28 Sep 2026 · 21 min
All episodes
How to Budget With Irregular Income Without the Feast-or-Famine Cycle | 625How to budget with irregular income (e.g., sales) without feast-or-famine, keeping bills/debt/spending consistent using “bare bones” budgeting, savings buckets, and an income-holding/backup paycheck…30 Sep 2026 · 13 min · 7 chapters
[NEW] How to Make Your October Budget: A Step-by-Step Monthly Money Plan | 624How to build an October budget step-by-step, including closing out September, entering income, listing minimum debt payments, separating bills vs spending, adding savings buckets, using a buffer, and…29 Sep 2026 · 28 min · 9 chapters
How to Budget for October Without Feeling Restricted or Overwhelmed | 624Creating an October budget using the “Simplify Budget System” by closing out September, replacing plan numbers with actuals, updating asset/debt trackers, then filling five categories: income,…28 Sep 2026 · 21 min · 7 chapters
How to Stop Playing Catch-Up With Money: Build a Buffer, Organize Your Accounts & Breathe Again | 623How to stop “playing catch-up” when pay changes; build a buffer, reorganize accounts, and reduce money stress using a bills account and separate spending accounts.25 Sep 2026 · 17 min · 6 chapters
Tired of Playing Catch-Up With Your Money? Simple Budgeting Guardrails That Work | 622The episode teaches “budgeting guardrails” by separating spending money into category accounts (e.g., a grocery account) and keeping bills money in a dedicated bills account.23 Sep 2026 · 15 min · 5 chapters
Klarna, Affirm, Afterpay: Why Buy Now, Pay Later Keeps You Paycheck to Paycheck | 621The episode argues that Buy Now, Pay Later (BNPL) services—Klarna, Affirm, Afterpay (and similar apps)—keep people trapped in paycheck-to-paycheck living, especially when combined with employer…21 Sep 2026 · 17 min · 7 chapters
From Living Paycheck to Paycheck to Paying Off Debt: The Budget System That Finally Worked with Becky | 620Becky’s long-term journey from being short on her budget and paying many debts “ritually” to using a structured budget system, side-hustle income, and debt negotiations to pay off nearly everything,…18 Sep 2026 · 25 min · 9 chapters
Pay Off Debt or Save Money? How to Budget for Both Without Giving Up Vacations | 619How to budget when you want to pay off high-interest credit card debt but also keep vacations; includes handling income dips and planning for recurring “short pay” periods.16 Sep 2026 · 17 min · 8 chapters
Holiday Budgeting: How to Plan for Christmas and the Holidays Without Going Into Debt | 618Holiday budgeting to avoid going into debt by January 1, starting in September.14 Sep 2026 · 16 min · 5 chapters
Why Your Identity—Not Your Diet or Budget—May Be the Key to Lasting Change | 617Lasting health and financial change comes from identity, not diets or budgets.11 Sep 2026 · 36 min · 12 chapters
Why You Can’t Get Out of Credit Card Debt While You’re Still Using Credit Cards: Lessons from the sessions | 616How to stop credit card debt by changing habits—specifically, you can’t get out of credit card debt while still using credit cards, even if you’re chasing rewards points.9 Sep 2026 · 13 min · 6 chapters
How to Get One Paycheck Ahead and Create a Realistic Budget | 615How to stop living paycheck to paycheck by using a dedicated bills account, putting all income into it, listing every bill and debt on one page, and separating “bills” money from “spending” money;…7 Sep 2026 · 22 min · 8 chapters
Living Paycheck to Paycheck? 4 Money Traps Keeping You Stuck and How to Break Them | 614How to stop living paycheck to paycheck by spotting “money traps” (tunnel-vision decisions, one-account chaos, thinking “paycheckly” not monthly, lifestyle inflation, and relying on credit instead of…4 Sep 2026 · 23 min · 12 chapters
Unexpected Expenses Keep Wrecking Your Budget? Do This Instead! | 613Office-hours style discussion with Coach Michelle on handling “store mode”/emergencies, unexpected expenses, and keeping budgets flexible using the Simplified Budget System (including cash-first…2 Sep 2026 · 24 min · 9 chapters
How to Budget Through Big Life Changes Without Adding More Money Stress | Reair: Maximized Minimalist with Katy Wells | 612How to reduce money stress during big life changes by using automated “guardrail” budgeting systems—separating bills, spending, and savings into multiple bank accounts and using debit cards instead…31 Aug 2026 · 51 min · 21 chapters
How a Simple Budget System Stopped the Money Chaos and Helped Nikki Handle Unexpected Expenses | 611Nikki’s story of how Shaina and Vanessa’s Simplify Budget System ended “money chaos” by replacing endless tracking with a clear budget system, helping her handle unexpected expenses without panic.28 Aug 2026 · 29 min · 11 chapters
Should You Cancel Whole Life Insurance? + How to Budget Irregular Income | 610The episode argues you shouldn’t keep whole life insurance if it’s being used like a “savings account” while you carry high-interest credit card debt.26 Aug 2026 · 13 min · 3 chapters
Build Your September Budget With Us: Step-by-Step Monthly Budget Walkthrough | 609Step-by-step walkthrough for building a September budget, including closing out August, setting income and debt first, estimating bills, planning discretionary spending via a 90-day audit, adding…24 Aug 2026 · 26 min · 11 chapters
Why Credit Card Debt Feels So Scary and the Budget Plan That Helps You Breathe Again | 608Credit card debt anxiety and how a simple, spreadsheet-based budget plus better money communication helped a woman and her husband regain control, pay off debt, and plan for future goals.21 Aug 2026 · 29 min · 16 chapters
Make Good Money but Keep Overspending? How to Budget Without Feeling Restricted | Reair: The Crazy Ex-Wife’s Club with Erica Bennett | 607How to stop overspending without feeling restricted by using a simplified, digital “envelope” budgeting system that’s set up once and automated (income → debt → bills → spending → savings), with…19 Aug 2026 · 34 min · 15 chapters
How Much Does Senior Year Cost? A Budget Guide for Parents of High School Seniors | 606Senior-year budgeting for parents, including a realistic total cost (about $4,000), how to avoid overspending, and how to set up savings buckets and spending limits for items like senior pictures,…17 Aug 2026 · 40 min · 22 chapters
How to Budget With Multiple Bank Accounts | 605Budgeting with multiple bank accounts to eliminate “leftover” money that isn’t real, using separate spending vs bills accounts, and setting up automated transfers on a pay cycle.14 Aug 2026 · 22 min · 10 chapters
our Credit Card Isn’t a Budget: The Simple System to Stop Mindless Spending (Without Tracking Every Dollar) | 605The episode argues that a credit card (even when paid off for rewards) isn’t a budget because it hides where money is going and delays “seeing the math.” Instead, it promotes a simple system: a…14 Aug 2026 · 22 min · 7 chapters
Budgeting for Pets + When It’s Okay to Pause Debt Payoff (Including HELOC debt) | Lessons from the Sessions | 604The episode covers two budgeting lessons: (1) how to budget for pets with multiple ongoing expenses using a dedicated “pet account” funded monthly, and (2) when it’s okay to pause extra debt payoff,…12 Aug 2026 · 13 min · 4 chapters