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

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Hey budget besties! 💸
This episode is for every single one of us walking around with invisible—but very real—money baggage. Whether it came from childhood sayings like “money doesn’t grow on trees” or past relationship drama, Shana and Vanessa are breaking down where our money beliefs come from and how they shape the way we spend, save, and stress about money today.
💼 What is money baggage anyway?
It’s the beliefs, habits, and emotions around money that you’ve carried—sometimes without even knowing it. And they’re often rooted in family dynamics, cultural expectations, or past financial experiences.
🎯 In this episode, we explore:
The most common money messages we heard growing up (and how they STILL influence us today)
How fear of spending or scarcity mindsets show up in our relationships
Why two people can bring wildly different money habits into a marriage—and how that causes tension
The weight of cultural or family pressure to live a certain lifestyle
The emotional toll of money trauma from past relationships
And most importantly, how to recognize your patterns and choose a new path forward

💬 Shana shares how her childhood taught her not to ask for things (because the answer would be no), and how that belief showed up in her marriage—even when it didn’t make sense. Vanessa gets real about how her parents losing their jobs drove her to pay off her mortgage early. These stories aren’t just personal—they’re universal. And they show us just how deep this stuff runs.
✨ But here’s the good news: You get to decide what comes next.
You’re not stuck in the patterns you were handed. Whether you're scared to spend or scared to talk about money at all, you can shift how you handle your finances—and we’re here to help you do it.
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.

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Curious? Watch Our Money Makeover Bootcamp!
Ready? Buy Our Simplified Budget System Now!
Check out Kallai's Podcast!
This one’s for all of us who grew up with “just make it work” energy—and are ready to do things differently.
In today’s powerful episode, we’re joined by the incredible Kallai Plummer, founder of The Kal + Co, operations expert, and host of That Big CEO Energy podcast. Kallai is sharing her real, raw story of financial survival, motherhood, breaking cycles, and building a business that puts her family and her freedom first.
Kallai grew up with a single mom who made it all work behind the scenes—but didn’t talk about money. Later, she found herself in a similar spot as a young single mom, following the “do it right” playbook of college, career, 9-to-5… and still feeling stuck.
Together, we unpack:
The generational patterns around money (and silence) that so many of us are navigating
Why saving money can feel uncomfortable when you’ve never seen it modeled
How our upbringing shapes not just our finances—but our relationships, communication, and even self-worth
Why it’s so important to let our kids in on age-appropriate money convos
What it really looks like to walk away from burnout and build a business on your terms
And how to create safety, strategy, and sustainability—at home and in business

Whether you’re a single mom, a business owner, or just someone trying to change your money story, this episode is full of heart, healing, and straight-up real talk.
The biggest takeaway?
You’re not stuck. You’re learning. And you can teach your kids something different. 💛
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? Watch Our Money Makeover Bootcamp!
Ready? Buy Our Simplified Budget System Now!
Coach Michelle is back, besties! 🙌 We’re diving into some of the most common questions we’ve been getting in office hours and in our community—from savings buckets to debt payoff strategies and how to actually get started without spinning out in decision fatigue.
In this episode, we talk about:
💸 What savings buckets are (and why they’re a game-changer)
🎯 How to decide what you should be saving for
🛠️ How to use your savings buckets when it’s time to spend
📆 The right time to add savings buckets to your budget
🚫 What to do when you want to pay off debt and save at the same time
⚖️ Real talk about snowball vs avalanche vs “what’s stressing you out most” debt payoff methods
🎉 Celebrating every win—from getting your first budget set up to paying off $50k in debt!
Plus, we remind you to take it one step at a time—month one might just be getting your budget in place, and that’s a huge win too.
So if you’ve been wondering how to juggle savings and debt payoff, or you’re still wrapping your head around how savings buckets work, this one’s for you.
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? Watch Our Money Makeover Bootcamp!
Ready? Buy Our Simplified Budget System Now!
You’re not the only one avoiding your bank account like it’s haunted. 👻 Two-thirds of people do it too! But what if one tiny shift could help you go from financial fog to total clarity?
That shift? Multiple. Bank. Accounts.
Sounds complicated? It’s not. We’re breaking it down step-by-step, budget bestie style.
🧠 In This Episode:
That “black hole” checking account feeling — and why it’s so overwhelming
The adult version of “la la la I can’t hear you!” when it comes to money 😬
Why one checking and one savings account just doesn’t cut it anymore
The power of separating your money — and how it instantly simplifies your decisions
Which checking accounts you actually need (hint: bills, spending, gas + groceries)
How savings buckets give your money purpose — and keep you from “accidentally” spending it
Pet account shoutouts to Cooper and Luna 🐶💕
Simple best practices to name, hide, and automate your accounts like a pro

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? Watch Our Money Makeover Bootcamp!
Ready? Buy Our Simplified Budget System Now!
In today’s episode, we're sitting down with Amanda — a rockstar, graduated client who proves that hitting the reset button doesn't mean starting over empty-handed. Amanda’s story is real, raw, and SO relatable for any of us navigating a financial rebuild, especially after a major life change.
She came to coaching newly single, with $0 in her bank account, two kids to support, and the determination to not mess this up. Fast-forward to today: Amanda is not only financially stable, but she’s fully funding her life, bought a house, built savings buckets, is two months ahead in her business, and is teaching her kids real money skills. 👏🏼👏🏼👏🏼
In this episode, we chat about:
What prompted Amanda to seek financial coaching
How she strategically used her divorce settlement to reset her finances
The mindset shifts around debt, spending, and credit cards
How she ditched the stress and embraced budgeting simplicity
Why separating accounts made everything easier (yes, even with more accounts!)
Setting up her kids with money management systems early
Business owner lessons: paying yourself properly and setting monthly income goals

Amanda reminds us that it’s not about being perfect — it’s about being intentional, asking for help, and learning how to be your own bank. Whether you’re starting fresh or just need a reboot, her story is proof that we can take control, live well, and still get our nails done. 💅🏽😉
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.