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200 | 200 Episodes Later: Lessons in Finance and Persistence

***TOP 1.5% MONEY &amp; FINANCIAL SUPPORT PODCAST***

Do you make good money but have nothing to show for it? Tired of using your bank account &amp; 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 &amp; stop living paycheck to paycheck.

We’re Shana &amp; Vanessa: BFFs, business partners &amp; Dave Ramsey Solutions Master Financial Coaches (and unofficial marriage counselors). We’re glad you’re here.

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Today, we are talking about the importance of setting financial priorities and sticking to them. Our clients have made incredible progress, from paying off credit card debt to tackling student loans and planning for future expenses. We share their journey, the challenges they've faced, and how they've managed to stay focused on their goals.
Episode Highlights:

 Client Success Stories:

 Our clients kicked off the year with ambitious goals and have already paid off their credit card debt. 

251 | Real-Life Financial Makeovers: Strategies for Paying Off Debt and Saving


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Today, we’re diving into the challenges every mom faces when managing family finances. Whether it’s budgeting for unexpected school costs or navigating the expensive world of sports like cheer, we're here to give you the real deal on managing your money effectively. Join us as we respond to your burning questions and share personal anecdotes that will help you create a stress-free budget that actually works for you and your family.
In This Episode:

 Made of Money? - We kick off the episode with a fun reminder that no, moms are not made of money! We discuss the reality of budgeting for big-ticket items like cheer competitions and why starting a savings bucket for such activities can be a game-changer.

 Budgeting Basics for Moms: - The second half of our show focuses on the typical budget challenges moms face, from clothing costs for growing kids to managing the household budget. We share tips on how to determine what your kids really need versus what they want, ensuring your purchases are necessary and within budget.

  Dealing with Unexpected Costs: - Unexpected school and sports expenses can throw a wrench in your budget, but we talk about how anticipating these costs can prevent financial surprises. Learn how to set up savings buckets for different categories and start saving incrementally to cover these inevitable expenses.

  The Sports Dilemma: - We tackle a common dilemma for many parents: the cost versus benefits of enrolling kids in sports. While keeping them busy is important, we discuss the value of free time and creativity, and how not being busy all the time can be beneficial for kids’ development.


Key Takeaways:

  Start a savings bucket for large yearly expenses and divide the total cost by 12 to save monthly.
  Create specific budgets for categories like housing and unexpected costs, and stick to them unless it's an emergency.
  Evaluate what your children actually need before making purchases, and involve them in the decision-making process to teach budgeting skills.

Closing Thoughts:
Moms, you're not alone in the financial challenges you face. By implementing strategic savings plans and sticking to your budgets, you can alleviate the stress of financial management. Remember, empowerment in budgeting comes from clarity and a proactive approach. Keep pushing forward, and know that every small step is a big win in achieving financial stability.




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!  

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250 | Budgeting Tips for Busy Moms: Making Every Penny Count


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In today’s episode, we're answering your questions about budgeting and motherhood. We talk through the unique challenges moms face when budgeting for the unexpected—yes, all those "mom-made-of-money" moments when you just wish you had a secret stash just for ice cream after little league wins!


249 | Money Talks for Moms: Handling Tuition, Teens, Sports, Dance Class, Celebrations and Other Unexpected Expenses

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Today, we are talking the real-world challenges and practical solutions for turning a good income into great savings. Our guest shares her candid experience of managing finances with a good income but struggling to optimize savings and reduce debt. Discover actionable advice on simplifying your budgeting process, effectively managing multiple accounts, and strategically using your income for saving, spending, and debt repayment.
What You'll Learn:

 Understanding Financial Flow: Insights into how our guest and her spouse manage their bi-weekly income and the initial struggles with spending and debt payments.
 The Power of Account Management: Learn how simplifying your account structure can help manage your bills more efficiently and avoid financial confusion.
  Strategic Savings and Debt Repayment: Tips on how to allocate surplus funds towards savings and debt repayment effectively, turning financial stability into a stepping stone for future goals.
  Practical Budgeting Tips: How to use budgeting to balance spending on necessities and luxuries, including setting up dedicated accounts for different types of expenditures.

Key Takeaways:

  The importance of having a clear budgeting system to track where every dollar from your paycheck goes.
  Strategies for setting up separate accounts for bills, savings, and personal spending to keep finances organized.
  Real-life advice on adjusting your budget to accommodate both essential expenses and personal spending without compromising your financial goals.



Join us as we explore these real-life strategies and tips that will help you harness your income's full potential and achieve your financial dreams. Whether you're looking to improve your savings or pay down debt, this episode offers the guidance you need to make significant changes in your financial life.


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!  


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Send in a voice message: https://podcasters.spotify.com/pod/show/idealbalance/message

248 | Budgeting Breakthrough: Transforming Good Incomes into Great Savings

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Hey Budget Besties! It’s Vanessa and Shayna here, and today we’re tackling a topic we all think about but often stress over – managing our money. We’re here to show you how handling your finances can be both empowering and enjoyable, especially for us women who juggle so much!
What We're Diving Into:

 You know those moments when the kids suddenly need new sports equipment or it's time for school photos again? We're talking about why these "surprises" aren't really surprises and how you can budget for them effortlessly.
 Budgeting as a Form of Self-Care: Yep, we said it! Budgeting isn't just about numbers; it's about taking care of YOU. We discuss how prioritizing your own needs in your budget is not just okay, it's essential. So yes, book that spa day without any guilt!
  Ready to feel good about your bank account? We explore how to shift from feeling overwhelmed to feeling in control and confident about your finances.
  Whether you're flying solo or planning with your partner, we share how to make financial decisions a joy rather than a chore. Let’s make those budget meetings something you look forward to!
  Today is all about flipping the script on finances – turning those scary dollar signs into opportunities for empowerment and yes, even some fun. We’re here to help you make informed, joyful choices that fit perfectly with your lifestyle and dreams.

Let’s take control of our financial destinies and enjoy the ride! With our easy-to-follow tips and strategies, you’re not just managing money; you’re setting the stage for a rich, fulfilling life.
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!  

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Send in a voice message: https://podcasters.spotify.com/pod/show/idealbalance/message

200 | 200 Episodes Later: Lessons in Finance and Persistence

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