Snag Our Signature Budget Template!

Hey budget besties! 🎙️ This week, Shana and Vanessa dive into a heartfelt conversation with Jaylin, a mom of three who's ready to take charge of her family's finances. If you've ever felt overwhelmed trying to balance household budgets with a partner, this episode is for you. Join us as we explore practical steps to get on the same financial page, create a one-page budget, and even get the kids involved in smart money habits.

In This Episode, We Cover:

1. Starting Point: Jaylin's financial journey and her readiness to improve her money management skills.

2. Family Dynamics: The challenges of aligning financial goals with her husband.

3. Creating a Budget: Using a one-page budget template to simplify and organize finances.

4. Scheduling Money Talks: Setting up dedicated budget dates to discuss finances in a calm, structured manner.

5. Involving Teens: Teaching her 15-year-old daughter about budgeting and financial responsibility.

6. Support Systems: Leveraging group coaching and resources to stay on track.

Key Takeaways:

1. Budget Date Night: Schedule a specific time to discuss finances away from the stress of daily life. Make it fun with snacks or at a favorite hangout.

2. One-Page Budget: Simplify your budget by listing all expenses on one page. This helps both partners see the big picture.

3. Automatic Transfers: Use automatic transfers to manage different categories like groceries, gas, and pocket money.

4. Empowering Teens: Teach teenagers about budgeting by giving them a set amount of money to manage each month.

   Stay Positive: Focus on progress and celebrate small wins to keep the momentum going.

• 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.

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Snag Our Signature Budget Template!

Hey, budget besties! Today we’ve got some stories from our clients that we think will really resonate with you. These real-life lessons are like free coaching sessions, packed with tips and inspiration to help you on your financial journey. So, let’s get into it!

Episode Highlights:

1. Celebrating Small Wins with a Single Mom:

- Shana had a heart-to-heart with a single mom who’s saved $50K—go girl! But she also financed $3K for furniture. We dive into why people use credit even when they have cash and how it impacts our financial security.

2. Finding Balance for a Dedicated Nurse:

- Meet a nurse who’s working two hospital jobs to pay off debt. She’s giving it her all, but it’s leading to burnout. We discuss the importance of balancing hard work with self-care to stay on track without burning out.

3. Convenience vs. Cost:

- Life is hectic, and those gas station snacks and drive-thru meals can add up quickly. We share practical tips for cutting down these costs without sacrificing convenience or health.

4. The Power of a Phone Call:

- A couple we coach made a call that reduced their credit card interest from 29% to 0%, saving them $600 a month! We talk about the importance of advocating for yourself and asking for better terms.

Key Takeaways:

• Credit vs. Cash: Having cash doesn’t mean security if you’re carrying debt. Focus on paying off debt to truly own your money.
• Avoid Burnout: It’s crucial to find a sustainable work-life balance. You can pay off debt without sacrificing your well-being.
• Small Changes, Big Impact: Cutting back on convenience spending can save you a lot. Start small and see the difference.
• Advocate for Yourself: Don’t hesitate to call creditors and ask for better terms. It can make a significant difference in your budget.

4 Ways To Connect With Us:

1. 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!

   
   

   
   

Snag Our Signature Budget Template!

Episode Summary:

Join us as we chat with the incredible Kayden, a 27-year-old real estate assistant and foster parent. Together, we dive into the challenges of managing a bustling household, transitioning to a new state, and balancing multiple income streams.

Key Moments:

• Dealing with the stress of joint accounts and differing pay schedules.
• The importance of automating finances to simplify budgeting.
• Strategies to get both partners on the same page with money management.
• Prioritizing time for financial discussions and budgeting.
• Understanding each partner's financial perspective to reduce anxiety.
• The power of scheduling and sticking to financial meetings.

• Practical Steps Forward:

• 1. Using a simple one-page budget template for clarity and ease.

  2. Deciding on a single pay structure to streamline finances.

  3. Setting up regular monthly meetings to review and adjust the budget.

  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.myidealbalance.com/freecall

  2️⃣ FACEBOOK: Become part of our Supportive Facebook Group. Connect, share, and learn with others mastering their budget skills ➡︎ https://www.myidealbalance.com/facebook

  3️⃣ BUDGET: Grab our Signature Budget Template! It's your key to organizing and optimizing your finances effectively ➡︎ https://myidealbalance.com/budget

  4️⃣ COACHING: Ready to dive deep into your finances? Sign up for our 1-on-1 Financial Coaching. It’s the accountability and guidance you need to make real progress ➡︎ https://myidealbalance.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!

Snag Our Signature Budget Template!

Hey, budget besties! In this episode, we dive into the controversial topic of whether kids should start building credit early. We tackle common advice about opening credit cards for teenagers and offer a different approach focused on budgeting and financial literacy. If you're wondering how to guide your kids towards financial success without relying on credit scores, this episode is for you.

Key Points Discussed:

1. Common Advice on Credit Scores for Kids:

2. Many parents and even teachers suggest kids should start building credit early by opening credit cards.

3. We argue this isn't the best approach for financial education.

4. The Problem with Early Credit Cards:

5. Credit card companies and even educators are pushing kids towards credit, often before they're ready.

6. This can lead to financial illiteracy and dependence on credit from a young age.

7. Financial Literacy and Budgeting:

8. Teaching kids how to budget and manage their money is more important than building a credit score.

9. Vanessa shares her approach to setting up bank accounts and automatic transfers for her son's first paycheck.

10. The Military Example:

11. We discuss how military programs often focus on credit scores for new recruits, highlighting a systemic issue with financial education.

12. Changing the Narrative:

13. Instead of focusing on credit scores, we should teach kids to budget, save, and manage their money wisely.

14. Imagine a future where our kids don’t need credit scores because they have learned to save and pay for things in cash.

15. Practical Steps for Parents:

16. Open checking and savings accounts for your kids and teach them about automatic transfers and budgeting.

17. Encourage them to save for big purchases and understand the importance of financial responsibility.

18. Long-Term Vision:

19. By focusing on financial literacy, we can help our kids avoid debt and build wealth from a young age.

20. We envision a future where kids grow up understanding how to manage money without relying on credit.

Takeaways:

1. Teach Budgeting Over Credit Scores: Focus on helping our kids manage their money effectively.

2. Set Up Bank Accounts Early: Guide our kids in setting up and using checking and savings accounts responsibly.

3. Encourage Saving: Help our kids save for their first big purchases, like a car, rather than financing them.

• Big Picture Thinking: Aim for a future where our kids are financially independent and not reliant on debt.

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!

Snag Our Signature Budget Template!

Hey Budget Besties! 🌟 Shana and Vanessa here, ready to simplify your budgeting game. Budgeting should be easy—or at least easier! Join us as we break down four straightforward ways to make budgeting a breeze. Let's dive in! Episode Highlights:

1. Open Separate Accounts:

   • The simplest hack to make budgeting clearer.
   • Separate accounts for bills, groceries, spending money, and savings.
   • Avoid confusion and track your money effortlessly.

2. Set Up Automatic Transfers:

   • Schedule transfers to different accounts on payday.
   • No more manual calculations—let automation do the work.
   • Focus on living your life while your money manages itself.

3. Designate Spending Money:

   • Allocate a specific amount for personal spending.
   • Guilt-free spending with a clear budget.
   • Build trust with yourself and understand your financial habits.

4. Use a Buffer:

   • Include a miscellaneous buffer in your budget.
   • Cover unexpected expenses and subscriptions.
   • Give yourself grace and make room for learning.

• Five easy categories: income, debt, bills, spending, savings.
• Created from years of coaching and real-life budgeting.
• User-friendly, straightforward, and behavior-based.

Budgeting doesn't have to be complicated, besties! Follow these steps and transform your financial life effortlessly. Until next time, happy budgeting!

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!

Hey Budget Besties! In today’s episode, we’re thrilled to chat with our friend and fashion guru, Jessica Papineau, the mastermind behind CSJ Styling. Jessica has styled everyone from high-powered executives to stay-at-home moms, helping them feel confident and powerful through the magic of fashion.

Key Highlights:

1. Meet Jessica Papineau: Jessica shares her journey from starting her own fashion styling company to becoming a trusted stylist for high-performing women. Whether it's entrepreneurs or stay-at-home moms, Jessica's mission is to help every woman feel her best.

2. The Power of Investing in Yourself: We dive into the importance of self-investment. Jessica explains how looking and feeling your best can have a profound impact on your confidence, career, relationships, and overall life.

3. Practical Fashion Tips: Get ready for some actionable fashion advice! Jessica provides tips on how to start curating a wardrobe that aligns with your personal and professional goals.

4. Real-Life Transformation: Jessica shares an inspiring story about a client named Jennifer, who after investing in her wardrobe, not only felt amazing but also landed a promotion at work and revitalized her personal life.

5. Morning Habits for Success: We discuss the importance of incorporating self-care into your morning routine, including tips on how to get ready in a way that sets a positive tone for your day.

6. Modeling Self-Care for Your Kids: We touch on how taking care of yourself sets a powerful example for your children, teaching them the value of self-investment and confidence.

Special Offer for Listeners:

Jessica is offering a free styling call to our listeners! This is a great opportunity to get personalized fashion advice and learn more about CSJ Styling’s services.

Follow Jessica Papineau:

• Instagram: @thejessicapapineau
• Facebook: Customized Styling by Jessica
• Website: csjstyling.com

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!

Book A Free Financial Coaching Call! Hey Budget Besties! 🌟 In this episode, we dive into real-life success stories from our amazing clients, sharing lessons that can help YOU with your monthly budgeting and financial behaviors. We’ve got some fantastic takeaways, from managing irregular income to avoiding the feast-or-famine cycle. Join us as we explore these inspirational journeys and practical tips to take control of your finances!

Key Topics:

1. Planning Irregular Income:

2. Shana shares about a lovely couple with a family timber business. They received significant checks a few times a year but struggled to manage the funds effectively.

3. Key Takeaway: Plan your money before it comes in. They allocated funds for taxes, travel, home, medical expenses, annual bills, and debt repayment.

4. Intentional Budgeting:

5. Vanessa emphasizes the importance of budgeting, no matter how big or small the income.

6. Key Takeaway: Intentional planning helps prevent money from slowly disappearing. Know where every penny is going.

7. Understanding Financial Products:

8. Shana's client was confused about a "credit builder" product she didn’t understand.

9. Key Takeaway: Don’t invest in or use financial products you don’t fully understand. Focus on managing debt to improve credit.

10. Building a Financial Cushion:

11. Vanessa talks about the importance of having a buffer in your bills account to avoid the feast-or-famine feeling.

12. Key Takeaway: Save up to a half-month’s worth of expenses to ensure all bills are covered comfortably.

13. No Judgment Zone:

14. We address the emotional aspect of financial coaching, emphasizing that there’s zero judgment here.

15. Key Takeaway: Focus on future goals and positive progress rather than past mistakes. Shame and regret are counterproductive.

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!