Snag Our Simplified Budget System!

Welcome back, Budget Besties! We’re diving into Part 2 of a conversation that’s close to our hearts. Today, we’re talking about one of our amazing clients who worked with Shana for a year and paid off $13,000 in credit card debt. 🥳 This client’s journey is so relatable, and we think it’s going to resonate with a lot of you!

In this episode, we walk you through:

• The Power of Systems: Even when our client went off the rails, the systems they put in place saved them. We’ll show you how to create a system that works for you, even on the tough days.
• Credit Card Chaos: Costco cards? PayPal accounts? Store credit offers? We’re breaking down why you don’t need those tempting store credit cards and how to protect yourself from overspending.
• Emergency Funds Gone Rogue: We’ve got some wild stories, including the time a client used their emergency fund to buy a sheep! 😂 Spoiler: that’s not what an emergency fund is for!
• Creative Debt Payoff: Our clients got creative by selling items, taking on extra work, and finding every opportunity to throw money at their debt. We’ll show you how small efforts can lead to big wins!
• Sticking to a Plan: It wasn’t always smooth sailing – there were bourbon splurges and even roof repairs – but they still managed to pay off seven credit cards and keep moving forward.

What we love most about this story is how real it is. There were setbacks, surprises, and yes, a few splurges, but they stuck to it and made progress. That’s what financial clarity looks like – moving forward, even when life happens. 💪

Key Takeaways:

• Stick to the Plan, Even When Life Happens: Systems and discipline can save you from getting completely derailed.
• Separate Your Accounts for Success: Setting up specific accounts for spending, saving, and emergencies can make all the difference.
• Creative Income: Side hustles, selling unused stuff, and even getting strategic with spending money for events can help knock down debt faster.

• Budget Together on Paydays: Making a habit of managing money as soon as you get paid helps keep spending in check and builds momentum in paying off 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 Simplified Budget System!

Hey budget besties! 💸 In today’s episode, we’re bringing you the inspiring story of one of our amazing clients who paid off $25,000 in debt—and we’re breaking it down into TWO episodes because there’s just too much to cover in one sitting! This is Part 1, so get comfy!

Our client—a mom of three with a family of four—came to us juggling $9,000/month income, multiple car loans, medical debt, a camper loan, student loans, and even a loan for new windows. Yep, it was a lot. But guess what? She not only paid off $25K in just six months, but she also made some big lifestyle changes (without giving up everything!) and learned to manage her money like a boss.

In today’s episode, we’ll talk about:

• How she faced her debt head-on and got serious about making changes.
• The power of renegotiating monthly minimums and cutting interest rates—because a phone call can go a long way.
• How she cut out unnecessary subscriptions and requoted her auto insurance to free up even more cash.
• The magic of using cash to keep spending in check. (Yep, cash envelopes might sound old-school, but they work!)
• How she balanced her budget while still living her life—paying for school supplies, birthdays, a church retreat, and even pool maintenance, all in cash!

Plus, we’ll share her big wins like paying off her personal loan, credit cards, and student loans, and why getting on a budget wasn’t just about debt—it was about getting control of her life.

✨ Key Takeaway: Sometimes the biggest changes come from making small, consistent shifts. Whether it's using cash, cutting subscriptions, or renegotiating bills, little actions add up over time!

Sneak Peek at Part 2: In the next episode, we’ll dive into another client story where they paid off $13,000 in one year—so be sure to come back for all the deets!

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 Simplified Budget System!

Hey Budget Besties! This episode is a treat! 🎉 We’re chatting with Brianna, a 26-year-old newlywed, new homeowner, and future RN! She’s ready to tackle her finances and shared her story about how she’s learning to manage her budget and stay on track. You won’t want to miss this one if you’re juggling big life changes and want some practical budgeting advice.

• Brianna’s budgeting journey: She’s in the middle of big transitions—new home, new career, and now…new budget habits!
• The Target dilemma: How Brianna’s love for home decor was throwing her off track and what she can do to manage it while still enjoying her spending.
• No more Afterpay & Klarna: We dive into the tricky world of payment plans and how to stop using them for good!
• Making budgeting work: Learn how setting up separate spending and savings accounts (like Brianna’s Disney trip fund!) can bring peace of mind and financial control.
• Budget-friendly goals: The importance of knowing your “why” and setting clear goals to keep your spending on track and intentional.

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!