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

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Ready? Buy Our Simplified Budget System Now!
Budget besties… this one is GOOD.
We’re back with the one and only 🎶 Coach Michelle 🎶 — our office hours queen and now the go-to for our Budget Setup Sessions!
Today’s convo is all about what happens when real life hits your budget… and how community + clarity changes everything.
💛 When You’re Trying to Stay Debt-Free in a Hard Season
Michelle shared the story of one of our longtime office hours friends:
Hard-working mama
Supporting her husband’s startup
Raising kids (including one who needs extra care)
Watching savings slowly shrink
Determined not to go back to credit cards

She was weighing:
401(k) loan
Business loan
Personal loan
Side hustles
Anything to avoid high-interest debt

And instead of spiraling alone?
She brought it to office hours.
What happened next is why we love this community so much:
Other budget besties jumped in with creative, realistic ideas
Side hustle suggestions tailored to her actual skills (art lessons, tutoring, laundry service, pet sitting)
Honest discussion about risks of retirement loans
Encouragement to protect their debt-free progress

No “finance bro” advice.
No shame.
Just real women saying: We see you. Let’s think this through together.
That’s what office hours is for.
Let’s Take Our Relationship To The Next Level:
1️⃣ Facebook Group ➡︎ budgetbesties.com/facebook
2️⃣ Be on the Podcast ➡︎ budgetbesties.com/livecall
3️⃣ Private 1-on-1 Coaching. ➡︎ budgetbesties.com/coaching

This podcast is for educational and informational purposes only and is not personal financial, legal, or tax advice.
This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase.

Click here to view our privacy policy.

Curious? Take The Free Money Stress Quiz!
Ready? Buy Our Simplified Budget System Now!
This episode is for every mom who feels like she’s running a full-time taxi service, short-order cook, event planner, and somehow also expected to “just budget” on top of it all.
We see you. We are you.
Between volleyball tournaments, gymnastics, long drives, team dinners, school surprises, and figuring out who’s buying $9 eggs this week… there is NO extra time to sit down with a complicated spreadsheet.
So today’s episode is all about budget shortcuts for busy moms — the kind that make your money run on autopilot so you can focus on your family (and maybe even breathe).
Let’s Take Our Relationship To The Next Level:
1️⃣ Facebook Group ➡︎ budgetbesties.com/facebook
2️⃣ Be on the Podcast ➡︎ budgetbesties.com/livecall
3️⃣ Private 1-on-1 Coaching. ➡︎ budgetbesties.com/coaching

This podcast is for educational and informational purposes only and is not personal financial, legal, or tax advice.
This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase.

Click here to view our privacy policy.

Curious? Take The Free Money Stress Quiz!
Ready? Buy Our Simplified Budget System Now!
Cindy’s story is one so many of us can relate to.
After her divorce, she was suddenly in charge of everything financially. She was budgeting on a legal pad every paycheck, carrying around a purse full of cash envelopes, and dumping all extra money into one big savings account.
It was working… technically.
But:
She didn’t know what her savings was actually for.
Unexpected expenses always came from the same big pot.
Fun spending and real emergencies got mixed together.
And her purse weighed about 30 pounds. 😅

💡 What Changed
Instead of one giant savings bucket, Cindy created separate sub-accounts for things like:
Medical
Vacation
Auto repairs
Beauty
Restaurants
Clothing
Home/Amazon

Now she knows exactly what every dollar is for.
No more guessing.
No more “I’ll just pull it from savings.”
No more stress.
She uses:
A simple paycheck plan
Digital “envelopes” through her bank
A system she can’t accidentally mess up
Cash only where it makes sense (like restaurants)

And the best part?
She’s retired now — and it still works beautifully.
Let’s Take Our Relationship To The Next Level:
1️⃣ Facebook Group ➡︎ budgetbesties.com/facebook
2️⃣ Be on the Podcast ➡︎ budgetbesties.com/livecall
3️⃣ Private 1-on-1 Coaching. ➡︎ budgetbesties.com/coaching

This podcast is for educational and informational purposes only and is not personal financial, legal, or tax advice.
This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase.

Click here to view our privacy policy.

Curious? Take The Free Money Stress Quiz!
Ready? Buy Our Simplified Budget System Now!
Check out Masha's Podcast!
Hey budget besties 💕
If the word budget makes you want to run the other way, this episode is for you.
Today we’re chatting with an entrepreneur who came into coaching with major resistance to budgeting. To her, it meant restriction, frugality, and being stuck in a financial cage. Sound familiar?
But what she discovered?
This isn’t your grandma’s budget. This is a budget system — and it creates freedom, clarity, and control.
Even in a 90K launch month… when the money still somehow disappeared.
Yep. We’re talking about:
Making great money but feeling broke
The “just make more money” trap
Why income isn’t the real issue (spoiler: it’s the system)
Planning for those “unexpected” but totally expected expenses
Finally having a credit-card-free Christmas
Merging finances in marriage
Automating business and personal budgets
And becoming bougie on a budget without guilt

Let’s Take Our Relationship To The Next Level:
1️⃣ Facebook Group ➡︎ budgetbesties.com/facebook
2️⃣ Be on the Podcast ➡︎ budgetbesties.com/livecall
3️⃣ Private 1-on-1 Coaching. ➡︎ budgetbesties.com/coaching

This podcast is for educational and informational purposes only and is not personal financial, legal, or tax advice.
This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase.

Click here to view our privacy policy.

Curious? Take The Free Money Stress Quiz!
Ready? Buy Our Simplified Budget System Now!
We’re talking about the B word — and no, not in a scary way.
Here’s the truth:
Most of us are running the same “money operating system” we had at 18. Meanwhile… life got more expensive, more complicated, and way busier.
So what do we do?
We upgrade the system.
Not with more tracking.
Not with spreadsheets you have to babysit.
Not with budgeting apps that turn you into an accountant.
We build a system that:
✅ Tells your money where to go
✅ Puts it there automatically
✅ Makes it nearly impossible to “mess up”

Because you are too busy living your life to be manually moving money around all month.
💡 The 5-Part Budget Framework
We’ve simplified everything into five columns. That’s it.
Income – Every dollar coming in (yes, even cash + bonuses + tax returns).
Debt – Minimum payments only (we’ll attack extra strategically).
Bills – Anything with a due date.
Spending – The Big Four:

Gas & groceries
Restaurants/entertainment
Personal pocket money
Kids

Savings Buckets – All the “unexpected” expenses that aren’t actually unexpected (Christmas, travel, hair appointments, sports fees, car maintenance, etc.)

We separate everything into clear accounts so your bank becomes your personal assistant.
Let’s Take Our Relationship To The Next Level:
1️⃣ Facebook Group ➡︎ budgetbesties.com/facebook
2️⃣ Be on the Podcast ➡︎ budgetbesties.com/livecall
3️⃣ Private 1-on-1 Coaching. ➡︎ budgetbesties.com/coaching

This podcast is for educational and informational purposes only and is not personal financial, legal, or tax advice.
This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase.

Click here to view our privacy policy.