Podcast · 201 episodes
Financial Coaching for Women: How To Budget, Manage Money, Pay Off Debt, Save Money, Paycheck Plans, page 7
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.
All episodes, page 7
Debt-Free College Starts Here: Scholarships, FAFSA Tips, and Helping Teens Find the Right Path — with Shellee Howard | 483How to help teens get into strong colleges and pay for college with minimal or no debt using scholarships, FAFSA/Student Aid Index (SAI) strategy, and a “right-fit” college list.7 Nov 2025 · 38 min · 13 chapters
How to Pay Off $65,000 in Debt in Less Than a Year (Client Wins with Coach Michelle) | 482Office-hours client wins and lessons on using the Simplified Budget system to get organized, pay off debt fast, and improve spouse teamwork (including how to handle disagreements like a gym…5 Nov 2025 · 24 min · 8 chapters
How To Be Bougie on a Budget — Spend Freely Without Debt, Guilt, or Overspending! | 481Step eight of the Budget Besties method—“be bougie on a budget,” meaning you can spend on what you love while paying cash, avoiding debt and guilt, and having money “to show for it.” Guests: None…3 Nov 2025 · 9 min · 3 chapters
How This Family Is Navigating the Government Shutdown Without Panic: Budget Tips You Can Use Now | 480How a family is handling the U.S. government shutdown without panic using a structured budget, emergency fund, and “pay ourselves first” discipline; includes practical shutdown-specific budget moves…31 Oct 2025 · 34 min · 11 chapters
Make Your November 2025 Budget with Us: A Step-by-Step Monthly Money Plan | 479Step-by-step instructions for making a November 2025 budget, including closing out October, listing income, minimum debt payments, bills (anything with a due date), spending categories, and funding…29 Oct 2025 · 30 min · 10 chapters
Stop Tracking Every Dollar: Create a Budget That Runs Automatically | 478The episode argues most budgets fail because they’re manual: people must remember weekly tasks, do math, and track what’s left, which leads to mistakes and stress.27 Oct 2025 · 14 min · 3 chapters
Divorcing Without Drama: Real Coaching on Shared Debt, Separate Accounts, and Transitioning to a Solo Budget | 477Divorce financial transition without drama—how to separate accounts while still paying joint debts, set up a “bills” account and “spending” accounts, and use a one-page budget to align both spouses…24 Oct 2025 · 20 min · 8 chapters
The #1 Budgeting Shift That Will Give You Peace (and Still Let You Live Your Life!) | 476Re-release of a budgeting conversation focused on “the #1 budgeting shift” and a simple system to reduce paycheck-to-paycheck stress without giving up fun.22 Oct 2025 · 32 min · 13 chapters
Your Credit Card Isn’t a Budget — How to Pay Off Credit Card Debt | 475Why credit cards aren’t a budget and how to break the debt cycle by swapping credit for debit/cash, building a real budget, and funding savings instead of relying on “points” or monthly payoffs.20 Oct 2025 · 12 min · 4 chapters
Stop the Holiday Burnout: Budget Your Time and Money So You Don't Go Broke or Crazy This ChristmasHoliday burnout prevention by planning both time and money in advance—shifting to gratitude/generosity, setting “guardrails,” and avoiding credit-card spending.18 Oct 2025 · 27 min · 11 chapters
How to Stop Living Paycheck to Paycheck as Two Spenders (and Still Buy a House) | 474Testimonial about stopping paycheck-to-paycheck life as a two-spender couple and still buying a house, using a budgeting system that separates bills from spending, builds savings buckets, and…17 Oct 2025 · 28 min · 9 chapters
Lessons from the Sessions: Stop Paying Bills Through PayPal (and Other Budgeting Mistakes You Don’t Know You're Making) | 473Real client lessons on budgeting mistakes—especially paying bills through PayPal (and other “third-party” payment setups) and failing to know true minimum debt payments.15 Oct 2025 · 11 min · 3 chapters
How to Budget for Things That Don’t Happen Every Month (Unexpected / Surprise Expenses) | 472How to budget for “expected but not monthly” expenses (surprise/annual costs) by using savings buckets so you stop borrowing or using credit cards.13 Oct 2025 · 14 min · 6 chapters
BONUS: All About Our Budget SystemThe episode is a promotional “bonus” explaining why listeners need a full budget system (not expense tracking) that automates planning, reduces credit-card reliance, and helps people pay off debt…11 Oct 2025 · 17 min · 12 chapters
How to Stop Business Travel from Blowing Up Your Family Budget or Using Credit Cards | 471How to prevent business travel from wrecking a family budget when reimbursements arrive months later, and whether to use credit cards for travel perks/fees.10 Oct 2025 · 19 min · 8 chapters
Whole Life Insurance: Should I Cancel It and Switch to Term Life? | 470Whether to cancel whole life insurance and switch to cheaper term life, especially when premiums strain a tight budget.8 Oct 2025 · 11 min · 3 chapters
Money Disappears Too Fast After Payday? Try This Simple Spending Budget Plan | 469Step four of The Budget Besties Method—separating spending into digital “envelopes” after bills are paid, so money doesn’t vanish and you can spend without tracking or guilt.6 Oct 2025 · 12 min · 6 chapters
The Art of Delegation: Why Letting Go is the Key to Growth, Freedom, and More Time with Ral West | 468Delegation and systems for business owners to gain freedom, more time, and better performance—using clear outcomes, follow-through, and automation (not “set it and forget it”).3 Oct 2025 · 23 min · 8 chapters
The Paycheck Plan That Helps Women Stop Living Paycheck to Paycheck with Coach Michelle | 476Introduces Coach Michelle and explains the “paycheck plan” used in the Budget Besties system to move women from paycheck-to-paycheck to being a paycheck ahead through automation.1 Oct 2025 · 31 min · 12 chapters
The Budget Besties Method: Step 3 Set Up Your Bills Account—When your bills have their own account, they always get paid | 466Step 3 of the Budget Besties Method—set up a dedicated bills account so bills always get paid automatically, reducing stress and transaction “noise,” and enabling a paycheck-ahead system.29 Sep 2025 · 11 min · 6 chapters
Make Your October 2025 Budget with Us: A Step-by-Step Monthly Plan For Your Money | 465Step-by-step budgeting for October 2025 using the “Budget Besties” system (close out September, list income, minimum debt payments, bills, spending categories, month-specific expenses, then savings…26 Sep 2025 · 30 min · 11 chapters
Real Financial Coaching Lessons: Stewarding Scholarships, Simplifying Business Tools & Sticking to Your Budget | 464This episode of Financial Coaching for Women shares real client lessons from Shana and Vanessa’s Dave Ramsey–trained coaching.24 Sep 2025 · 12 min · 4 chapters
Overwhelmed by Budgeting? Tired of Tracking Every Expense? Try Our Simple, 5-Column, One-Page Budget | 463Explains why many people’s budgets fail (they’re actually transaction tracking, messy/multi-month spreadsheets, weekly-by-paycheck budgeting, unclear categories like “soft bills,” and missing a…22 Sep 2025 · 17 min · 5 chapters
Combining Finances After 14 Years: The Budget System That Changed Everything | 462Aaron and Sarah share how they combined finances after 14 years, switching from separate accounts to a joint budget system with automated savings and multiple spending/savings buckets, reducing money…19 Sep 2025 · 30 min · 13 chapters