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

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Today, we're thrilled to share the story of Veronica, a single mom and accounting technician from Nevada County who is taking bold steps to master her family budget.

In This Episode:

• Real Challenges, Real Solutions: Veronica opens up about the financial hurdles of managing a household with an inconsistent income. Her journey is packed with practical takeaways for anyone looking to stabilize their financial life.

Simplifying with a One-Page Budget: Discover how Veronica uses a one-page budget template to gain a comprehensive overview of her finances. This tool simplifies complex financial information, making it accessible and manageable.

Mastering Bi-Weekly Budgeting: Learn the significance of aligning budget planning with bi-weekly paychecks. This strategy is key for anyone looking to make the most of their income cycles and foresee extra earning periods.

Family Involvement in Finance: Veronica's strategy includes involving her children in budget discussions, particularly around the costs associated with their sports activities. This educative approach promotes financial literacy and responsible spending from a young age.

Account Management Tips: We discuss the importance of separating financial accounts to distinctly manage bills and discretionary spending, a crucial step for preventing financial mix-ups and stress.

Veronica’s story isn’t just about overcoming financial challenges—it’s about transforming them into opportunities for growth and stability. Her proactive measures and the simple yet effective tools she uses are perfect examples of how anyone can take control of their finances with the right approach.

Join us to glean insights on how straightforward budgeting techniques can make a significant difference in your financial wellbeing. Veronica's experiences shed light on common financial pitfalls and how to avoid them through structured planning and disciplined budget management.

If you're inspired by stories of real transformation and practical financial strategies, this episode is a must-listen. Veronica’s steps towards financial mastery offer valuable lessons on budgeting that can be applied to various financial scenarios, helping you build a more secure and prosperous future.

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!  

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Today we're thrilled to share some golden nuggets from our group coaching sessions, where we dive into the art of managing personal finances. We're unpacking real-life coaching scenarios that illustrate the power of thoughtful financial planning. Our aim? To give you practical tips and insights that can help you navigate your financial journey with confidence and clarity.

Key Insights We Discussed:

-Value-Based Spending: We're big believers in spending according to what truly matters to your family. It’s not about keeping up with the Joneses; it’s about making choices that align with your values. This approach not only saves money but also enriches your family’s life.

-Strategic Budgeting: We talk about how to craft a budget that covers the essentials while leaving room for paying off debt and saving. Knowing your minimum budget can dramatically improve your financial health, giving you a clearer picture of where to trim the fat and where to invest more.

-Debt Management: We explore effective strategies for tackling debt. Prioritizing high-interest debt repayment can free up more money in the long run, enabling you to invest in your future without the drag of past financial decisions.

-Family Financial Planning: Involving the whole family in budgeting decisions is a game-changer. We share how discussing financial choices openly can help everyone understand the value of money and make collective decisions that benefit all.

-Celebrating Financial Milestones: Recognizing every win along your financial journey is crucial. Whether it’s paying off a small debt or reaching a savings goal, celebrating these milestones can motivate and inspire continued effort and dedication.

Real-Life Coaching Takeaways:

-Immediate Impact of Debt Repayment: Imagine freeing up $500 in your budget by paying off your car. We discuss how impactful this can be, giving real-life examples from our coaching that highlight the immediate benefits of clearing debt.

- Proactive Management of Emergencies: We emphasize the importance of an emergency fund and how to budget for unexpected expenses. This proactive approach can save you from financial stress down the road.

-Engaging Family in Financial Decisions: Teaching kids about budgeting and involving them in financial decisions is not just empowering; it’s essential. It helps them understand the impact of financial choices from a young age.

Today, we're here to reassure you that with the right strategies and a bit of teamwork, managing your finances can be less daunting and more rewarding. We're excited to help you build a sturdy financial foundation that supports your dreams and goals. Whether you're dealing with debt, adjusting your budget, or planning for future expenses, we've got your back every step of the way!

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. 

Start planning your next adventure with our free travel budget planner available at ⁠myidealbalance.com/travel. ⁠

In this episode, we delve into the art of planning memorable family vacations without the financial stress. Discover the joy of traveling smart, from picking destinations to handling unexpected costs, ensuring a smooth and enjoyable experience for everyone. Our hosts guide listeners through a comprehensive approach to vacation budgeting, sharing their personal tips and practical tools to make dream vacations a reality without relying on credit.

1. Planning Ahead: The importance of deciding on the 'when' and 'where' early in the year, allowing for detailed budgeting and saving for the trip.
2. Budgeting for Travel Costs: Tips on calculating the total costs of transportation, whether you're driving, flying, or using other means. Includes reminders about hidden costs like airport meals and parking fees.
3. Accommodation Costs: How to estimate and budget for different types of lodging and potential additional fees (e.g., for parking or amenities).
4. Daily Expenses: Strategies for managing food costs, including the benefits of mixing dining out with simple grocery shopping to create a balance that suits your family's needs and budget.
5. Extra Expenses: Insight into budgeting for activities, shopping, and souvenirs, highlighting the necessity to anticipate and plan for these expenditures to avoid financial surprises.
6. Saving Strategies: Practical advice on setting up a dedicated savings account for travel, making regular contributions to spread the cost over time, and purchasing travel necessities as they go on sale.
7. Mindset for Travel: Encouraging a proactive and positive outlook on budget travel, focusing on planning and preparation to enhance the overall vacation experience.

This episode empowers families to take control of their vacation planning, ensuring that every aspect of the trip is budgeted for and paid in cash. By adopting a strategic approach to travel spending, families can enjoy enriching experiences together without the post-vacation financial hangover. Whether you're planning a beach escape or a cultural adventure, the insights shared here will help you navigate the planning process with confidence and ease.

Start planning your next adventure with our free travel budget planner available at myidealbalance.com/travel. This tool will help you organize, budget, and envision the perfect getaway that fits your financial situation, making your next vacation both memorable and affordable.

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In this episode we're dive deep into the life changes and financial strategies of Darlene, a resilient single mother from Canada, as she navigates through significant career and personal transformations. With a background in hairstyling and a current position in cleaning, Darlene opens up about her struggles with income, her aspirations for a brighter future, and her determination to redefine her career path. Through a live coaching call, we explore the challenges of budgeting with fluctuating income, the pressures of saving for a move, and the power of mindset in overcoming financial hurdles.

1. Darlene’s Story: Learn about Darlene's journey from a hairstylist to pursuing a new career path amidst the challenges of being a sole parent and dealing with a physically demanding job.
2. Navigating Financial Struggles: Darlene shares her struggles with making ends meet, managing erratic income, and the stress of not having enough savings to feel secure.
3. The Power of Budgeting: Discover the transformative potential of getting finances on paper, understanding the basics of budgeting, and the importance of identifying and managing essential expenses.
4. A Vision for the Future: Darlene’s aspirations for a career change and the steps she's considering to achieve her goals, including moving to a new city for better opportunities and a lower cost of living.
5. Investing in Self-Growth: The dilemma of investing in personal development through courses and certifications, versus the practical approach of gaining experience and confidence through direct action and learning from free resources.
6. Embracing Change with Determination: Insights into Darlene’s resolve to build a new life that not only meets her financial needs but also brings her joy and fulfillment.

What You’ll Learn:

• Strategies for managing finances with irregular income and how to create a realistic budget that accommodates fluctuating earnings.
• The importance of setting clear financial goals, prioritizing expenses, and cutting unnecessary costs to achieve financial stability.

Darlene’s story is a testament to the strength and resilience required to navigate life’s financial challenges and career transitions. Her journey highlights the importance of mindset, budgeting, and strategic planning in overcoming obstacles and achieving one’s dreams. Whether you’re facing similar financial dilemmas or considering a significant career change, Darlene’s story offers valuable lessons and inspiration for taking control of your financial future and pursuing a path that brings you joy and fulfillment.

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!

In this episode, we dive deep into the heart of budget success stories and wisdom gleaned from real-life coaching sessions. Whether you're dreaming of a debt-free life, stress-free vacations, or navigating the complexities of loan consolidation, we've got tips that will transform the way you approach your finances. Join us as we explore actionable strategies, celebrate client triumphs, and debunk common financial myths. Get ready to be inspired by tales of credit card liberation, strategic debt repayment, and the peace that comes from financial clarity and confidence.

Key Insights & Triumphs:

• Credit Card Freedom: Learn how one determined client and her husband embraced a new way of life, halting credit card use entirely and paying off $5,000 in debt in just two months.

• Stress-Free Celebration: Imagine attending your son's wedding without financial worries. We share how careful planning and saving allowed a client to enjoy her son's big day, focusing only on the joy and not the costs.

• Strategic Debt Repayment: Discover the power of commitment and how jumping in with both feet can lead to accelerated debt repayment and financial freedom.

• The Peace of Systematic Finances: Hear about a client who found peace through a structured financial system that made budgeting and saving for travel seamless and worry-free.

• A New Financial Identity: Revel in the story of a single mom and nurse who transformed her financial outlook, paying off debt aggressively and building a new relationship with money.

• Navigating Loan Consolidation: We tackle the tough decision of whether to consolidate loans, weighing the benefits of reduced payments against the potential for increased interest costs.

This episode is a testament to the transformative power of financial education and personalized coaching. Through the stories of our clients, we see that with the right mindset, tools, and determination, anyone can conquer their financial challenges and achieve their dreams. Let these lessons inspire you to take control of your finances, make informed decisions, and step confidently into a future where financial stress is a thing of the past.

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!

Ever wondered how to keep your lifestyle while on a budget? Look no further! In this eye-opening episode, we delve into the secrets of living 'bougie on a budget.' We explore how strategic choices, mindful spending, and financial savvy can transform your lifestyle from mundane to magnificent without the financial strain. Join us as we discuss how to make peace with your budget, eliminate guilt, and create a lifestyle that aligns with your deepest desires and values. It's time to redefine budgeting and make your dream life a reality!

Key Takeaways:

• Transforming Budgeting: Discover how budgeting can be your golden ticket to achieving the lifestyle you've always desired, filled with peace and without the guilt.

• Strategic Lifestyle Choices: Learn how prioritizing and making conscious decisions about where to splurge can lead to a more fulfilled and luxurious life.

• Financial Mindfulness: Understand the importance of being intentional with your spending and how awareness and control over your finances can lead to greater peace of mind.

• Optimizing Expenses: Tips on how reviewing and adjusting your bills and subscriptions can lead to substantial savings.

• Empowering Financial Decisions: The power of saying 'no' to unnecessary expenses and 'yes' to what truly matters, ensuring your spending aligns with your values and goals.

• The Joy of Saving: How shifting your mindset to find excitement in saving rather than spending can change your financial landscape.

• Creating Financial Systems: Utilizing multiple bank accounts for different goals to keep your finances organized and goal-oriented.

• Family Financial Harmony: Encouraging open and positive discussions about money within the family to build a collective vision towards financial well-being.

• Self-Sufficiency: The benefits of becoming your own financial safety net and how it empowers your spending and saving habits.

• Generous Giving: How being in control of your finances enables generous giving on your terms, enriching not only your life but also those of others.

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!

Want to know the secret to setting boundaries that honor your values and commitments, empowering you to lead a more balanced and fulfilling life?

In this episode, we had the pleasure of welcoming Tanya Engesether, a healthcare leader by day and a podcaster and Certified Christian life coach by night. With a rich background of 27 years in healthcare, 17 of which were in leadership roles, Tanya shares her transformative journey through leadership challenges, particularly during the COVID era, and how it led her to embrace Christian life coaching. She dives deep into the art of setting boundaries and saying no with grace, a skill vital for maintaining balance and mental health in our daily lives.

Key Highlights:

• Tanya's Dual Role: Discover how Tanya juggles her demanding healthcare leadership role with her passion for podcasting and life coaching.
• The Importance of Boundaries: Learn why setting boundaries and the ability to say no with grace is crucial for personal growth and professional success.
• Personal Journey: Tanya shares her personal struggle with people-pleasing and seeking approval, tracing back to her upbringing, and how she overcame these challenges through faith and self-awareness.
• Practical Advice: Gain actionable tips on how to evaluate your commitments, identify what truly aligns with your core values, and politely decline opportunities that don't serve your highest good.
• Empowering Strategies: Tanya provides strategies for gradually implementing boundaries, starting with small, manageable steps to build confidence and assertiveness.
• The Role of Faith: Insight into how Christian values and faith can guide the decision-making process, helping to distinguish between personal calling and external pressures.

About Our Guest: Tanya Engesether, host of the Grace Filled Leader podcast and a seasoned healthcare leader, blends her professional experiences with Christian life coaching to empower individuals, especially women, to establish healthy boundaries and pursue balanced, fulfilling lives.

Episode Resources:

• To dive deeper into Tanya's work and explore her coaching services, visit her website at Grace Filled Leader and tune into the Grace Filled Leader podcast for more insights on leadership, faith, and personal development.
• Check out Tanya's Free 7 Day Gratitude Journal.

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!

In today's episode, we dive deep into the world of managing family finances, especially when it comes to the costs associated with kids' activities like sports, and how to efficiently systemize your business finances to better support your personal life. Whether you're struggling with the financial demands of your children's hobbies, seeking to escape the cycle of credit card dependency, or aspiring to create a seamless financial system for your business, this episode is packed with invaluable insights and actionable tips to help you navigate these challenges.

Key Points:

1. Budgeting for Kids' Activities: Learn how to prepare for and manage the expenses related to your children's sports and other activities. Discover the strategy of using "savings buckets" to plan and save for these costs, allowing you to enjoy their passions without financial stress.

2. Escaping Credit Card Dependency: We explore the common pitfall of relying on credit cards for managing both personal and business finances and provide strategies for breaking this cycle to achieve more secure financial footing.

3. Systemizing Business Finances: For the entrepreneurs, we delve into how to separate and automate your business finances to ensure your business efficiently funds your personal life. This includes setting up specific accounts for different needs and automating payments and savings.

   Snag Our Signature Budget Template!

   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 there, budget besties! Are you ready to take control of your finances with grace and ease?Imagine each account as a beautifully labeled jar on your kitchen shelf, each one holding a different ingredient for the perfect financial recipe.

If you’ve ever felt like your finances are a complex maze you can’t seem to navigate, this episode is your beacon of hope. We're diving deep into the surprisingly simple strategy that’s changing the game for savvy moms everywhere: using multiple bank accounts to streamline your budgeting process.

This episode is a practical, step-by-step guide to decluttering your financial life, setting you on the path to true financial freedom. We’ll explore how dividing your money into different accounts can not only simplify your budgeting process but also give you unprecedented clarity and control over your financial destiny.

We’ll walk you through how to identify the essential accounts you need, from your day-to-day spending to your big-picture savings goals. Plus, we’ll discuss the art of automation – making your money work for you while you sleep, and how to select a bank that aligns with your personal values and financial goals.

Tune in to transform your approach to budgeting, turning what once was a chore into a powerful strategy for achieving your dreams. It's time to rewrite your financial narrative, and it starts with understanding the pivotal role of multiple bank accounts in your journey. Let’s create a plan that not only makes sense but makes your dreams possible.

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 

Snag Our Signature Budget Template!

In today’s special episode, we're taking a moment to celebrate a huge milestone in our podcast journey—reaching over 300,000 plays! This achievement is not just ours; it's a testament to the vibrant, supportive community that has grown around our podcast. Join us as we reflect on the journey, the lessons learned, and the incredible impact of financial empowerment.

Highlights:

• A Milestone Reached: We share our excitement and a bit of the suspense leading up to hitting the 300,000 plays mark. Despite a slight delay, the surge in listens, especially with our Wednesday morning episode, was a pleasant surprise.

• Gratitude for Our Listeners: Our heartfelt thanks go out to every one of you. This podcast is a calling, and seeing it flourish is a blessing we deeply cherish. The stories of change and growth we hear from you fuel our passion and dedication.

• The Journey So Far: Reflecting on our journey, we delve into the pivotal moments that have shaped our mission. Starting from April 2020, focusing on financial coaching, and witnessing the exponential growth in engagement and impact.

• Listener Reviews: We share some of the heartwarming reviews from our listeners. These testimonials highlight the transformative effect of financial coaching and the podcast, from gaining practical strategies to fostering financial confidence and freedom.

• Our Community's Growth: The launch of our group coaching program and the positive feedback it has received underline our commitment to making financial coaching accessible and impactful. We're inspired by the stories of progress and the shared learning within this vibrant community.

• Looking Forward: As we celebrate this milestone, we're also excited about the future. Our journey continues with the same dedication to empowering individuals, especially women, to manage their finances confidently and effectively.

Conclusion:

Today’s episode is a celebration of milestones, growth, and the incredible community that makes it all possible. We’re immensely grateful for each listener, their stories, and the shared journey of financial empowerment. Here’s to many more milestones, learning, and transformations together. Thank you for being a part of our journey!

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!  

Grab Our Free Savings Buckets Planner Here

Welcome to a sparkling new episode where we dive into the glitzy world of beauty and personal care without breaking the bank. Ever wondered how you can keep looking fabulous while sticking to your budget? We’ve got the secret sauce for you: creating a Glam Up Fund! This episode is all about being bougie on a budget, and we’re here to show you exactly how to make it work.

Highlights:

• Being Bougie on a Budget: Discover the art of looking fabulous without sacrificing your financial goals. We introduce the concept of a Glam Up Fund—a budget-friendly way to manage expenses related to your beauty and personal care.

• Creating Your Glam Up Fund: Learn the step-by-step process of setting up a budget for all things beauty. From hair and nails to facials and massages, we cover how to calculate your yearly expenses and break them down into manageable monthly savings.

• Practical Tips and Tricks: Get practical advice on how to track and manage your Glam Up Fund, including rounding up expenses for simplicity and considering cash payments to support small business owners.

• Freedom to Spend: Embrace the freedom that comes with having a dedicated budget for personal care. No more guilt trips over getting your nails done or indulging in a spa day—it’s all part of the plan.

• Resources and Tools: Check out the savings bucket template linked in the show notes to get started on organizing your Glam Up Fund today.

Why You’ll Love This Episode:

This episode is perfect for anyone looking to balance their love for beauty and personal care with their financial objectives. You don’t have to give up on feeling good about yourself to save money. With our guide to creating a Glam Up Fund, you can plan, save, and enjoy your beauty routines guilt-free.

Key Takeaway:

Being bougie on a budget isn’t just a catchy phrase—it’s a lifestyle. By strategically planning and saving for your beauty expenses, you can enjoy the best of both worlds: looking and feeling great while keeping your finances in check

Snag Our Signature Budget Template!

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!⁠

Let's get that April budget made before April showers come!

Welcome back, budget besties! As March wraps up and April peeks around the corner, it's the perfect time to dive into your budget planning. If you haven't started on your April budget yet, don't worry – you're right on time. This episode is all about setting you up for success, making sure you're not just reacting to your finances but planning ahead. So, grab your calculator, and let's brainstorm together!

Highlights of Today’s Episode:

1. Wrap Up March: Before we leap into April, let's close out March properly. Compare your planned budget to what actually happened. This step is crucial for understanding where you stand financially and helps identify areas for improvement.

2. Income and Paycheck Planning: Get a clear picture of your April income, including when those paychecks will hit your account. We share with you the idea of being a paycheck ahead to ease financial stress.

3. Debts and Bills: We dive into categorizing your debts and bills. This separation allows you to see where your money is going clearly and highlights areas where you might cut back or reallocate funds.

4. Spending Wisely: The magic happens in the spending category. After allocating funds for essentials like gas and groceries, we discuss the importance of intentional spending on things that matter to you, whether that’s dining out, hobbies, or self-care.

5. April Specifics: Don't forget to consider April-specific expenses. From tax returns to spring break and seasonal maintenance, we cover what you might need to add to your budget this month.

6. Life Events and Savings Goals: Whether it's saving for summer camps, planning for weddings, or gearing up for garage sales, we encourage you to incorporate these into your April budget.

7. We Want to Hear From You: Share your April goals and budgeting questions with us. We're here to help you navigate through your financial journey with ease and confidence.

Why This Episode is a Must-Listen:

April brings new opportunities and challenges, and being prepared is key to navigating the month with financial peace of mind. Whether you’re a budgeting newbie or a seasoned planner, this episode offers valuable insights, tips, and encouragement to help you take control of your finances. By the end, you'll be ready to tackle April with a well-thought-out budget and a clear action plan.

Your Takeaway:

Budgeting isn’t just about crunching numbers; it’s about making intentional choices that align with your goals and lifestyle. Remember, we're here to guide you every step of the way, making budgeting less daunting and more empowering.

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!  

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Today, we're diving deep with relatable stories from our incredible clients - their challenges, their victories, and the monumental shifts that changed everything. 💥

Here's a sneak peek of what's in store:

- 🚀 A jaw-dropping story of wiping out $12,000 in student loans in just ONE month.

- ❤️ From money fights to dreamy date nights: A couple's journey to debt freedom and making decisions on their own terms, away from the noise.

- 🏦 From the brink of draining savings for a business hiccup to boosting savings by $2,000 - all in the nick of time.

- 🛣️ The mental marathon: Discover the mindset shifts that paved the way for these success stories.

But wait, there's more:

- 🌟 Lessons from the Sessions: Our key takeaways and the wisdom we all gained along the way.

- 📈 Shattering the "I can't afford coaching" myth with real stories of transformation.

- 🤝 Special spotlight on our veterinarian friend turning chaos into clarity and a business owner navigating a tough season like a boss.

And because we can't keep calm about it:

- 📣 Our Group Coaching Program is buzzing with energy, accountability, and breakthroughs, all at a wallet-friendly rate! It's your turn to start, soar, and see just how far you can go.

Ready to rock your finances? Hit play now! 🎧

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!  

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Today, we're diving deep into the world of debt reduction, specifically focusing on the impact of extra payments. Whether you're dealing with credit card debt, student loans, or a mortgage, understanding how your payments are applied can make a massive difference in your financial journey.

In This Episode, You'll Learn:

• The difference between making minimum payments and extra payments.
• How credit card companies calculate your payments and why it's designed to keep you in debt longer.
• The truth about principal vs. interest in your payments and how this affects the total interest paid over time.
• A detailed comparison of the snowball and avalanche methods for paying down debt.
• Real-life strategies to apply extra payments effectively and reduce your debt faster.

Pro Tips:

• How to decipher your statement charts and understand exactly where your money is going.
• Strategies for adjusting your budget to maximize your debt payments.

Actionable Advice:

• Start today by reviewing your loan statements and identifying how your payments are currently being applied.
• Choose a debt reduction strategy (snowball or avalanche) that best fits your financial situation and goals.

Paying off debt requires more than just making payments; it requires a strategy. By understanding what your extra payments really tackle, you can make informed decisions that lead to financial freedom faster.

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!  

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In today's episode, we tackle the concept of being "bougie on a budget." We're here to show you how to elevate your lifestyle, enjoying the finer things in life while keeping an eye on your finances. With our unique insights and strategies, you'll learn how to indulge in your desires without compromising your financial well-being.

#### Key Highlights:

- Embracing Bougie on a Budget: We dive into what it means to live a bougie life without overspending, balancing your aspirations for living your life with practical budgeting strategies.

- A Novel Approach to Financial Advice: Discover why our guidance stands out from traditional financial wisdom. It’s about enjoying your journey with money, not restricting yourself to the point of missing out on life’s joys.

- Prioritizing Mindful Spending: Learn how to allocate your budget to match your values and lifestyle goals. Whether saving for vacations or enjoying your daily Starbucks, we reveal how to make your budget work for you.

- Strategies for Selective Bougieness: From smart savings on recurring bills to frugality in chosen life areas, we offer actionable tips to help you save where it counts, so you can spend where it matters most to you.

- Granting Permission for a Bougie Lifestyle: We encourage you to live your best life in a financially responsible manner. It's about owning your financial journey and making choices that allow for bougie pleasures without the guilt.

#### Summary:

Tune in to this must-listen episode if you're eager to enhance your life without forgoing your financial ambitions. Whether aiming to clear debt while still relishing life’s pleasures or saving for future dreams without feeling restricted, we equip you with the encouragement and strategies you need. Join us in redefining what it means to be bougie on a budget, proving that with the right financial approach, you can enjoy the best of both worlds.

Check out budgetbesties.com for more on our group coaching program and embark on a journey toward joyful, savvy financial management today!

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!

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!  

Sign Up For Group Coaching!

In this special quarterly edition, we share our victories, challenges, and everything in between, coupled with a dash of financial wisdom and life lessons.

What’s New?

• Business Win: We're thrilled about our new group coaching program! Designed to make financial coaching accessible to everyone, this program represents a significant milestone for us. Born from a desire to serve people from all walks of life, this initiative is all about inclusivity and providing value in a fun and engaging way.
• Learning Curve: We've embarked on a comprehensive coaching program that's teaching us patience and perseverance. The depth and thoroughness promise great outcomes, but the journey is daunting. It's a reminder that growth often requires time and dedication.

Personal Touchpoints:

• Volleyball Victories: Watching her daughter excel in volleyball brings immense joy and pride to Vanessa. It's a reminder of the importance of supporting our loved ones in their passions and celebrating their achievements.
• Moving On Up: The excitement of moving to a new home, with the prospect of more space and personal bathrooms, highlights the joys and challenges of family life.
• Health Hurdles: Facing health challenges head-on, like undergoing hip surgery, teaches us resilience and the importance of seeking solutions and looking forward to relief and recovery.
• The Joy of Family Time: Balancing busy schedules with quality family time is a challenge many of us face. It's a season of life that teaches us to adapt and cherish the moments we do get to spend together.

Debunking Myths:

• We tackle the misconceptions surrounding budgeting and financial coaching, emphasizing simplicity, freedom, and the unexpected joy that comes from understanding your finances.

Game-Changing Business Advice:

• Focusing on one thing can lead to clarity and success. This has been a transformative approach for our business, reminding us to stay focused and aligned with our mission.

Surprising Facts:

• Get to know us a bit more personally with fun facts that might surprise you, from past experiences in etiquette and modeling to the discipline behind personal hobbies and fitness routines.
• This episode isn't just about finance; it's about life, growth, and the personal journeys that shape us. Whether you're here for financial insights or the comforting feeling of a chat with friends, we're here to share, laugh, and grow together. Join us as we navigate the beautiful complexity of life and finance, hand in hand.

Until Next Time,

Your Business Besties

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!

In today's episode, we're diving deep into a topic close to many of our hearts: the undeniable power and freedom that come from being debt-free. This isn't just about crunching numbers or making budgets work; it's about the profound life transformation that happens when you break free from the chains of debt. We'll walk you through three compelling reasons why eliminating debt should be at the top of your priority list, backed by real-life insights, actionable strategies, and a touch of inspiration to fuel your journey towards financial freedom.

What We Cover:

1. The Emotional Toll of Debt: We start by shedding light on the often-overlooked emotional burden that debt brings into our lives. From stress and anxiety to its impact on relationships and daily happiness, we discuss the importance of recognizing and addressing this weight to improve your overall quality of life.

2. The Freedom to Choose: Next, we explore how debt limits your choices and impacts your ability to make decisions about your future. We'll talk about the joy and liberation that come with regaining control over your finances, allowing you to make choices based on what you truly want, rather than what you owe.

3. Dreaming Big Without Debt: Finally, we dive into the most exciting part – how becoming debt-free enables you to pursue your biggest dreams and aspirations. Whether it's traveling the world, starting your own business, or simply enjoying a more peaceful, fulfilling life, we discuss how financial freedom is the key to unlocking these possibilities.

Closing Thoughts:

This episode is all about empowering you to take the first steps towards a debt-free life, not just for the sake of your bank account, but for the sake of your dreams, your peace of mind, and your ultimate happiness. Remember, the journey might be challenging, but the destination is worth every step.

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!  

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Join us in a thought-provoking episode where we sit down with Jineth, a dedicated single mother and teacher, navigating the complexities of managing finances while raising four children. This coaching call is a deep dive into the practical strategies and insights we discuss to help Jineth find clarity and direction in her financial journey, minus the overwhelm.

• Unveiling the Story Behind the Numbers: Our conversation with Jineth isn’t just about the figures in her bank account; it's about understanding the life she’s building and the choices she faces. It's a look into the real-life application of financial planning when the stakes include not just one’s future, but the future of a family.

• Simplifying Financial Goals: The complexity of Jineth's financial situation has at times seemed like a thick fog, making it hard to see the way forward. We explore how breaking down her financial planning into manageable, clear steps can help clear that fog, making her goals more attainable.

• Strategic Steps Forward: Together, we map out a plan for Jineth that involves organizing her finances in a way that mirrors her life’s priorities, setting realistic goals, and establishing a simple yet effective money/budget system that caters to her family’s unique needs.

Jineth's coaching session is a testament to the power of facing our financial narratives head-on and the transformative potential of targeted, compassionate guidance. This episode isn't just about Jineth; it's a mirror reflecting the shared struggles and triumphs of anyone on the path to financial peace. Tune in for a dose of inspiration, practical advice, and the warm reassurance that it's possible to navigate the financial waters to a brighter, more empowered future.

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!

Ever felt like sticking to a budget is a battle you’re fighting alone? Well, you're not alone in feeling alone! This episode is all about turning the tide on your budgeting habits. We're breaking down how to make your budget work for you – as easily as pouring your morning coffee. We're saying goodbye to the headache and hello to a smooth ride to financial freedom, all on your own terms.

What You'll Learn:

• You Got This! How to keep your budget on track without an accountability partner.
• Set It and Forget It: Tips on making your money management almost automatic.
• Smart Money Moves: The lowdown on setting up your accounts to make managing money a breeze.
• Why Group Coaching Rocks: Discover how a group vibe can boost your budgeting success, even if you’re flying solo.
• Be Your Own Cheerleader: How to build a trusting relationship with yourself and your budget.

Key Points:

1. Make It Automatic: Like your fave coffee machine, setting up your finances to work automatically can make sticking to your budget way easier.
2. Separate Your Money: Having different pots for bills and spending can clear up a lot of confusion and help you stay in control.
3. Treat Yourself: Incorporating little rewards along your budgeting journey isn’t just fun – it helps keep you motivated.
4. Find Your Why: Knowing what you’re budgeting for can turn a should-do into a must-do.

Wrap-Up: Mastering your budget doesn’t have to be a struggle solo. With a few clever tricks and some self-trust, you can hit those financial goals and maybe even have some fun along the way. Whether you're setting your finances to run themselves, rewarding your achievements, or getting pumped with your group coaching squad, you're more than capable of being your own financial hero. Let's do this!

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!⁠

Welcome back to our latest episode where we tackle a topic that's close to many of our hearts: how to navigate the tricky waters of debt, savings, and the all-too-common cycle of living paycheck to paycheck. If you've ever found yourself counting the days until your next payday, this episode is crafted just for you. With heartfelt advice and actionable strategies, we're diving deep into ways to transform your financial landscape.

#### What You'll Discover:

- Debt Demolition Tactics: Explore targeted strategies to tackle your debt head-on. Learn from stories of those who've been in your shoes and emerged victorious, providing that spark of hope and motivation you need.

- Savings Strategies While on a Debt Journey: Delve into how you can save for the future without derailing your debt repayment plan. Balancing both is possible, and we'll show you how.

- Purposeful Paycheck Planning: Discover the art of living paycheck to paycheck by design, not by default. Learn to allocate your earnings in a way that covers all bases—needs, wants, and savings.

- Navigating Financial Storms: Life's unpredictable moments don't have to throw your finances off course. Gain insights on how to adjust your financial plan during times of change, ensuring you remain on solid ground.

#### Episode Gems:

- Budgeting as a Lifeline: Realize budgeting's true purpose—to empower you, not restrict you. A budget is your roadmap to financial freedom, letting you direct where your money goes.

- The Single-Debt Focus: Understand why zeroing in on one debt at a time can accelerate your journey out of debt, making the process more manageable and less daunting.

- Saving Smarts: Start small but think big. Initiating minor savings contributions can lead to significant financial growth, enabling you to fund dreams and goals sustainably.

- Strategic Paycheck Allocation: Our step-by-step guide to making every paycheck count. We’ll show you how to stretch your earnings to ensure you're covered for groceries, bills, and a little bit of fun, too.

#### Real-Life Transformations:

Hear heartening stories about listeners who've turned their financial lives around using the very strategies we discuss. These tales of triumph are not just inspiring—they're a testament to what's possible when you take control of your finances.

If you're ready to break the cycle of living paycheck to paycheck, crave financial stability, or simply want to manage your money more effectively, this episode is your must-listen. For additional resources and to begin your journey toward financial empowerment, visit http://myidealbalance.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.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!  

Ready to take your March budget to the next level? Visit our website at budgetbesties.com to learn more about our group coaching program and access our suite of budgeting tools designed to help you thrive financially this month and beyond!

Snag Our Signature Budget Template!

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!  

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Ever felt like Dave Ramsey's money rules just don't fit your life? You're not alone! This episode is all about why some folks struggle with sticking to Dave's plan and how there's a different way to do money that feels right for you. We've been there, done that with Dave's methods, and while we're all for getting out of debt, we know the journey can look different for everyone.

What We're Chatting About:

- Our Dave Ramsey Journey: We got debt-free with Dave's help and even got certified to teach his stuff. But, we noticed something was missing – the nitty-gritty on how to actually make a budget work for you.

- Why Dave's Way Isn't for Everyone: It's not that Dave's advice isn't good; it's just that sometimes, life doesn't fit into neat little boxes. We talk about why some folks find it tough and what we think is missing.

- The Real Deal with "Gazelle Intensity": Going all out on getting out of debt sounds great, but it can also make you feel like you're missing out on life. We share thoughts on finding a balance that doesn't leave you feeling guilty for enjoying a coffee out now and then.

- Budgeting for Real Life: We dive into why a one-size-fits-all budget doesn't work and how tweaking things to fit your lifestyle and priorities can make a huge difference.

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!  

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Ready to witness a financial transformation in action? This episode throws you into the deep end of financial coaching with Monica Baker, the voice behind "Claiming Simplicity." Watch as we guide Monica, a homesteading enthusiast and simplicity advocate, through the maze of personal and business finance management, offering tools and strategies to streamline her financial life.

Key Takeaways:

- Real-Life Financial Coaching: Experience firsthand the power of financial coaching as we walk Monica through the steps to declutter her financial practices, emphasizing the importance of joy and simplicity in managing money.

- Budgeting That Brings Joy: Discover our approach to turning budgeting from a dreaded chore into a source of empowerment and happiness. Learn how you, too, can apply these strategies to your financial routine.

- Simplifying Personal and Business Finances: Gain insights into our tailored advice for Monica on keeping her personal and business finances in harmony, highlighting the effectiveness of separating and automating financial processes.

- The Path to a Simpler, Richer Life: Monica's journey reflects our core message—living simply doesn't mean skimping on life's pleasures. Find out how aligning your finances with your values can lead to greater contentment and freedom.

- Actionable Tips for Immediate Impact: Armed with practical advice from our coaching session, learn how to tackle unexpected expenses, set up savings buckets, and automate your finances for a smoother, more enjoyable financial experience.

This episode isn't just about Monica's financial journey; it's a blueprint for anyone looking to conquer financial overwhelm and embrace a life of simplicity and abundance. Join us as we provide Monica with the tools to transform her financial outlook, offering you the chance to do the same. Say hello to a world where financial management is not just easy but enjoyable.

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 with Vanessa's coupon!

Welcome to a truly inspiring episode where we peel back the curtain on the transformative journey of Vanessa, co-host and co-founder of our dynamic financial coaching duo. Today, Vanessa shares her heartfelt story, turning her financial freedom dreams into reality and empowering women to take charge of their finances with confidence and clarity.

Episode Highlights:

- Vanessa's Leap from Teaching to Financial Coaching: Dive deep into Vanessa's journey as she transitions from the challenges of her teaching career into the fulfilling world of financial coaching. Discover how a moment of faith and a bold decision to live debt-free by 31 led her to her true calling. Vanessa's story is a powerful testament to the belief that when passion meets purpose, anything is achievable.

- First Client Jitters to Foundational Shifts: Remember the first time you did something that scared you? Vanessa takes us back to that nerve-wracking yet exhilarating moment when she landed her first client. This pivotal experience wasn't just a step; it was a leap into building a business founded on trust, support, and the shared vision of financial liberation.

- Zeroing In on Financial Coaching: In the world of coaching, finding your niche is gold. Vanessa and her partner, Shana, initially dabbled in various coaching domains but soon realized their hearts (and their clients' needs) were firmly rooted in financial coaching. This episode sheds light on the clarity and conviction it takes to find your lane and excel in it.

- Living Below Your Means with Purpose: Vanessa's financial philosophy isn't just about saving pennies; it's about creating a life of abundance by prioritizing what truly matters. She shares how living below your means doesn't mean sacrificing joy but rather planning for future happiness while savoring the present.

- A Day in Vanessa's Coaching Life: Get a behind-the-scenes look at Vanessa's coaching schedule, packed with transformative sessions that range from budget planning to celebrating those "aha" moments with clients. It's about instilling belief in her clients before they can see it for themselves, guiding them toward a brighter financial future.

Vanessa's journey from financial uncertainty to empowering coach is more than just motivational; it's a roadmap for anyone looking to redefine their relationship with money. Her story, coupled with the practical tools and strategies shared in this episode, is a beacon of hope and action for financial empowerment.

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  Use code "Vanessa" for a discount!

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!

In this heartfelt episode, we journey through the lives of individuals and families who've transformed their financial landscapes. By embracing budgeting, tackling debt, and shifting their money mindsets, our clients have moved from living paycheck to paycheck to creating pathways toward generational wealth. With a sprinkle of wisdom from financial gurus like Dave Ramsey and our unique approach, we delve into stories of resilience, support, and financial breakthroughs.

Client Stories Highlighted:

- The Big Decision Maker: Learn how one client went from indecision and financial stress to taking a bold step that not only paid off debt but also brought peace and clarity to their financial journey. This story underscores the power of budgeting and making informed financial decisions.

- Embracing Simplicity: Discover how downsizing and simplifying life led to not just significant debt reduction but also a happier, more content lifestyle. This narrative highlights the importance of aligning your spending with your values and the transformative impact of living within your means.

- From Shame to Game Plan: Hear how one individual overcame the shame of credit card debt with our nonjudgmental support system, leading to a complete overhaul of their money mindset and steps toward building generational wealth.

- Automating Success: Dive into the story of a client who revolutionized their financial management by automating bill payments and budgeting, proving that small changes can lead to big savings and less reliance on living paycheck to paycheck.

- The Budget Template Triumph: A tale of how our simple yet effective budget template empowered a family to gain control over their finances, reduce credit card usage, and set a foundation for generational wealth—all through the lens of accountability and a solid support system.

- Generational Shifts: Witness the journey of a client who broke free from the cycle of living paycheck to paycheck to establish a legacy of financial stability and generational wealth for their family, inspired by principles from Dave Ramsey and tailored advice from us.

Why This Episode Is a Must-Listen:

- Relatable Solutions: Each story is a testament to the challenges and triumphs of real people facing everyday financial dilemmas.

- Actionable Advice: You'll get practical strategies that can be applied to your own journey towards financial freedom.

- Supportive Community: We reinforce the importance of having an accountability partner or support system in navigating the complex world of personal finance.

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!

Ever feel like money matters are the rain on your relationship parade? You're not alone! This episode is all about turning those financial frowns upside down and getting you and your better half on the same page. From budgeting without the bore to spending without the spat, we're diving into ways to make money talks something you'll actually look forward to.

What We're Unpacking Today:

- Chatting About Cash Without the Clash: Discover the secret sauce to talking about money without starting World War III in your household. It's all about the approach, folks!

- Budgeting That Doesn't Suck: Say hello to our lifesaver, the signature budget template. This isn't your grandma's budgeting method. It's a one-stop shop for tracking your cash flow, dreams, and everything in between. Picture this: a lazy Saturday morning, coffee in hand, and setting up a budget that's actually fun. Yes, it's possible!

- "Me Money" for Harmony: We're big believers in a little "me money." It's like a mini-vacation from your budget. Everyone gets a slice of the pie to spend on whatever makes their heart sing - no side-eye from your spouse.

- Dreaming Big Together: Ever dream of sipping wine in Portugal or owning a beach house? Let's make those dreams a part of your financial plan. It's all about setting those big, sparkly goals together and making them happen.

Key Tips to Take Home:

1. Open the Money Chat: Kick off those fear-of-fighting vibes and start talking money in a chill way.

2. Personal Pocket Money: Allocate some cash for just-you treats. It's a game-changer.

3. Dream Team Goals: Brainstorm those wild and wonderful dreams. Then, plot to make them real, together!

Your Homework:

Check out myidealbalance.com/budget to grab our budget template and start your journey to financial bliss. Remember, talking money doesn't have to be a drag. Let's make it something you both look forward to, one budget line item at a time. Here's to money talks that lead to more walks... in the sunset, dreaming together.

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!

In this episode, we delve deep into a common yet often unspoken issue that many couples face: financial friction. This tug-of-war over money can sometimes feel like it's pulling spouses apart rather than bringing them closer together. Our aim is to shed light on the underlying problems causing this tension and offer actionable solutions to turn financial management into a tool for unity in marriage.

Key Points Discussed:

1. The Common Struggle: Many couples experience a sense of division when it comes to handling finances. This episode opens up the conversation about the reality that money, instead of being a source of contention, can actually be a catalyst for bringing couples closer.

2. Identifying the Core Problems:

- Lack of Trust: Trust issues manifest in various financial behaviors, such as the need to ask for spending permission, separate banking, and the dominance of one partner over financial decisions.

- Lack of Respect: This is seen when one partner second-guesses the other's financial decisions, leading to a breakdown in communication and mutual respect.

- Unequal Contributions: Challenges arise when there's a disparity in income but an expectation for equal financial contribution, leading to stress and hidden debt.

- Communication Breakdown: Not being open about finances, hiding purchases, and not discussing financial desires or fears contribute to marital strain.

3. Solutions Preview: While the episode focuses on outlining problems, it also teases the upcoming solutions in a mini-series dedicated to money and marriage, emphasizing the importance of getting on the same page financially.

Join us as we explore how to transform financial management from a source of conflict into a foundation for stronger marital bonds. Whether it's through trusting each other with finances, respecting each other's decisions, aligning on contributions, or improving communication, there's a path forward for every couple facing these challenges.

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!  

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Ever wondered how some people make budgeting seem effortless? In today's episode, we dive into the habits and strategies that have transformed our approach to managing money. By sharing our personal experiences and the practical steps we've taken, we aim to inspire you to adopt these habits for a healthier financial life.

- Dining Out Strategically: We discuss the importance of planning how often to eat out each month. This simple yet effective strategy can save you a significant amount of money and encourage healthier eating habits.

- Meal Planning Mastery: Learn how planning your meals can prevent impulsive dining out, especially during busy days filled with activities. We share our personal approach to meal planning, ensuring it's both practical and doable, regardless of your schedule.

- The Importance of Cash Transactions: Hear about our habit of using cash for certain expenses to maintain control over our spending and avoid unnecessary debt.

- Automating Bill Payments: We emphasize setting up auto-pay for your bills to avoid late fees and manage your finances more efficiently.

- Conscious Spending: Before making a purchase, ask yourself if it's truly necessary. We advocate for budgeting for non-urgent expenses in the following month, promoting thoughtful and deliberate spending.

- Maximizing Wardrobe Lifespan: Get tips on making the most out of your clothes and resisting the urge to buy new ones unnecessarily. This habit not only saves money but also encourages a more sustainable lifestyle.

- Family Game Nights: Discover how replacing some of your outings with family game nights can create memorable experiences without straining your budget.

- Thrifty Shopping: We share our love for thrift shopping and how it aligns with our budgeting goals, offering both savings and the thrill of the hunt for great deals.

By incorporating these habits into your daily life, you can make budgeting feel less like a chore and more like a rewarding journey toward financial freedom. Whether it's through strategic dining out, meal planning, or thrifty shopping, each small habit contributes to a larger goal of financial well-being.

Remember, the journey to financial freedom is a personal one, and these strategies are meant to be adapted to fit your unique situation. Start with one habit, see the difference, and gradually incorporate more as you progress. Here's to a healthier, happier financial future!

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!  

Set Up A Scholarship Strategy Session w/ Kara!

In today's episode, we're thrilled to welcome back Kara, a beacon of inspiration for those navigating the path to college without the burden of student loans. As a 20-something Christian entrepreneur and amateur snowboarder, Kara shares her journey from being a high school student fascinated by personal finance to becoming a pioneer in strategizing a debt-free college education.

Key Takeaways:

- Kara's Philosophy: Loans were never an option for Kara. Her approach to financing college was akin to solving a puzzle, using resources like CLEP tests, scholarships, grants, and internships to not only avoid debt but to graduate with savings.

- A Path Less Traveled: Kara's story is a testament to the possibilities that open up when you view college financing through a lens of resourcefulness and proactive planning. Her strategies included testing out of classes, utilizing community college for lower tuition costs, and capitalizing on various scholarships and grants.

- The Iceberg of Scholarships: Kara introduces us to the concept of scholarships being like an iceberg, where most opportunities lie below the surface. She emphasizes the importance of digging deeper beyond the initial financial aid award letters and exploring options through high school advisors, community colleges, and external organizations.

- Scholarships for All Ages: Kara shares that there are scholarship opportunities available even for middle schoolers, highlighting the importance of starting the search early and considering non-traditional paths to funding education.

- Diverse Scholarship Criteria: Not all scholarships require stellar GPAs or essays. Many are available based on interests, majors, or even the college you plan to attend. Kara's approach involves personalizing the scholarship search to match the individual's unique situation.

Kara's Tips for Scholarship Success:

- Explore Beyond the Obvious: Don't stop at the financial aid award letter. Look for scholarships offered by your department, local businesses, and organizations related to your field of study.

- Record Keeping: Maintain detailed records of all communications and applications. This not only helps in staying organized but can also be crucial in resolving any discrepancies.

- Seek Professional Guidance: Kara offers personalized scholarship strategy sessions, leveraging her expertise to find opportunities tailored to individual profiles. With her help, students and parents can navigate the scholarship landscape more effectively, potentially unlocking thousands in funding opportunities.

Connect with Kara:

Kara's podcast, Money and Mental Peace, provides more insights into financing college without loans. She's offering our listeners a special discount on her scholarship strategy sessions. Use code "CASHFORCOLLEGE" for 15% off and start your journey toward a debt-free college experience.

--

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 

⁠Snag Our Signature Budget Template!⁠

Imagine trying to book a vacation but realizing your credit cards are maxed out. Sounds familiar, right? We've all been there. But here's the good news: it's possible to enjoy life, be on a budget, and pay off debt—all at the same time. Today, we're diving deep into the stories of people just like you, sharing the lessons we're learning together. This episode is packed with laughter, relatable stories, and actionable takeaways that you can apply to your own financial journey.

1. Real Stories, Real Lessons:

   • Overcoming Financial Overwhelm: Learn from a client who faced the challenge of managing simultaneous big bills and how they found a way to navigate their savings effectively.
   • Impulse Spending to Intentional Saving: Hear the transformational story of someone who went from impulse spending to creating a plan for future financial stability.
   • Innovative Budgeting with Irregular Income: Discover how a couple with unpredictable income managed to automate their finances, creating peace of mind and financial consistency.
   • Redefining Success: Be inspired by a family's decision to sell their house to live debt-free, choosing values over vanity.
   • Strategic Business Moves: Gain insights from a business owner who made a savvy decision with a large upfront payment, setting her business and personal finances up for success.

Key Takeaways:

• Strategies That Work: We're sharing proven strategies to help you achieve your financial goals, whether you're saving, paying off debt, or both.
• Empowerment Through Perspective: Learn how changing your perspective and getting the right advice can dramatically improve your financial situation.
• Living True to Your Values: We'll show you the power of making decisions based on what truly matters to you, not just what society expects.

Conclusion: Today's episode is all about hope, empowerment, and practical steps you can take to master your money moves. Whether you're struggling with budgeting, facing financial uncertainties, or just looking to make smarter financial decisions, there's something in this episode for you. Remember, your financial journey is unique, and it's all about taking steps that align with your values and goals.

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!

Are you struggling with sticking to a budget or curbing impulse spending, especially if you have ADHD? You're not alone. In this episode, we dive into ADHD-friendly ways to manage your money, offering tips and techniques that are beneficial for anyone facing similar challenges. Whether it's the allure of impulse buying or the struggle with budgeting, we've got you covered with smart strategies to take control of your finances.

Waiting Period Before Purchases: A simple yet effective strategy to combat impulse buying is to wait a certain period before making a purchase. This allows you to evaluate the necessity and value of the item, often leading to the realization that you don't need it.

Removing Credit Card Information: Deleting your credit card information from online sites adds an extra step before purchasing, which can deter spontaneous buying.

Shopping with Good Return Policies: Opting for retailers that offer easy returns can help mitigate the consequences of impulsive buying decisions, allowing for easier rectification of mistakes.

Utilizing Wishlist and Pinterest Boards: Instead of immediate buying, curate wishlists or Pinterest boards. This satisfies the urge to shop while providing time to consider the actual need and utility of the items.

Delete Shopping Apps: Removing shopping apps from your phone, including social media apps that trigger spending, can significantly reduce impulse purchases.

Setting Monthly Spending Limits: Establish a budget for discretionary spending to enjoy the freedom of buying without the guilt of overspending.

Using Cash and Envelopes: Physical separation of cash for different expenses can help in better managing and tracking spending.

Seeking Accountability: Having a friend, partner, or coach to discuss potential purchases can provide a reality check and prevent unnecessary spending.

Making Saving a Game: Transform saving into a rewarding game by setting goals and celebrating achievements to replace the temporary high of spending with the lasting satisfaction of saving.

DIY and Creativity: Engaging in DIY projects or finding creative solutions can fulfill the desire for newness without the financial cost.

Avoiding Emotional Spending: Being mindful of emotional triggers and finding alternative ways to cope can prevent spending sprees during emotional highs and lows.

Alternative Dopamine Sources: Identifying activities that bring joy and fulfillment can replace the temporary thrill of impulse buying with more sustainable and enriching experiences.

Managing finances, especially with ADHD, can be challenging, but with the right strategies and support, it's entirely possible to curb impulse spending and take control of your budget. Implementing even one of these tips this week can make a significant difference in your financial well-being.

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. 

Snag Our Signature Budget Template!

Ever felt like your budget just crumbles away a week, or even a day, after you make it? We've all been there, and today we're spilling the beans on how to keep that from happening again. We've got seven super straightforward tips that'll help your budget stick around for the long haul.

What We're Diving Into:

1. Easy-Peasy Spending Accounts: We're showing you how to manage your cash in a way that feels freeing, not confining. It's all about having your money right where you need it.

2. The Big Picture: Sometimes we miss the forest for the trees, right? We're talking about why it's crucial to look at your whole financial picture to avoid those "oops" moments.

3. Set It and Forget It: Learn how to make your bank account do the heavy lifting, so sticking to your budget feels like a breeze.

4. Low Maintenance, High Reward: Keeping up with your budget doesn’t have to be a time suck. We'll share just how quick it can be.

5. Seeing Everything Clearly: We chat about the game-changer that is having a clear, full view of where your money's going.

Our Top Tips for Budget Bliss:

- The 90-Day Check-Up: Take a little time to see where your money's been heading. It’s like a reality check that helps you plan better for what's coming.

- Give Yourself Some Fun Money: Setting aside a bit for yourself means you won't feel guilty about treating yourself now and then.

- One Page to Rule Them All: Keeping all your money info in one spot can seriously simplify your life.

- Keep 'Em Separated: When your spending money and bill money aren't mixing, life gets a lot easier.

- Automate, Automate, Automate: Making things automatic means less for you to worry about.

- Plan for the Oopsies: A little buffer for the unexpected means no freak-outs when something pops up.

- Quick Check-Ins: Spending just a few minutes a day to peek at your finances can keep you on track without feeling overwhelmed.

Your Homework (Yes, Really!):

Pick one or a couple of these tips and give them a go this weekend. Whether it’s setting up a new account or just taking a closer look at where your money's going, every little bit counts.

Budgeting doesn’t have to be a drag. With these tricks up your sleeve, you can make it work for you in a way that feels good. Here's to taking those small steps toward big changes. We're rooting for you!

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!  

Ready to take control of your February budget? Head over to myidealbalance.com/budgettemplate to download our free budgeting tool and start planning today. Your financial goals are within reach, and we're here to help you achieve them.

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 

Snag Our Signature Budget Template Use Coupon Code NATALIE for $25 off!

Welcome back, friends! In this heartwarming episode, we bring you a special story from one of our listeners, Natalie, who shares her transformative journey with our signature budget template. Natalie, a full-time working mom from Cave Creek, Arizona, opens up about the financial challenges her family faced and how they found a lifeline in our budgeting tool. This episode is a testament to the power of taking control of your finances and the positive ripple effects it can have on your relationships and future plans.

Like many of us, Natalie and her husband struggled with budgeting and managing their finances effectively. They found themselves overspending each month, even after the relief of no longer having to pay daycare fees for their two young daughters. Natalie's attempts at budgeting with Excel sheets proved futile, leaving her feeling overwhelmed and defeated.

Natalie's turning point came when she stumbled upon our podcast and subsequently our budget template. Despite her initial skepticism, the user-friendly design, comprehensive features, and the promise of financial clarity convinced her to give it a try. Natalie's excitement was palpable as she shared how the template not only simplified budgeting but also made it engaging and effective.

- Impact on Family Dynamics: The budget template became more than just a financial tool for Natalie's family; it was a catalyst for open communication and shared goals. Natalie and her husband, who had previously been on different pages regarding finances, found common ground and started working together towards their financial objectives. This newfound teamwork has brought them closer and made them more proactive about their financial future.

- Features That Made a Difference: Natalie highlighted several aspects of the template that particularly stood out to her:

- Debt Tracker and Snowball Method: These features provided a reality check and a structured plan to tackle their debts systematically.

- Monthly Spending Sheet: This allowed Natalie to monitor their spending and income more effectively, fostering a sense of accomplishment with each bill paid.

- Paycheck Plan: Simplified money management between paychecks, encouraging a more disciplined approach to spending.

- Debt-Free Budget Tab: Offered a glimpse into the future, showing the possibilities that could unfold once they are debt-free, including their dream of renovating their backyard.

Conclusion:

Natalie's story is a powerful reminder that with the right tools and mindset, transforming your financial situation is possible. Her enthusiasm and positive outlook are infectious, inspiring us to take control of our finances and work towards a brighter future. If Natalie's journey resonates with you, consider giving our budget template a try and see how it can change your life for the better.

Remember, it's never too late to start on the path to financial wellness. Natalie's story is not just about budgeting; it's about hope, resilience, and the joy of working together as a family towards shared dreams. Let's take this inspiration and apply it to our own lives, one budget at a time.

Special Offer:

In honor of Natalie's incredible journey, we're offering a special discount on our signature budget template. Use the coupon code "Natalie" for $25 off and start your own journey to financial freedom.

⁠Snag Our Signature Budget Template ⁠Use Coupon Code NATALIE for $25 off!

2 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 

Snag Our Signature Budget Template!

Hey there, budgeting enthusiasts! Get ready to kiss those budgeting blues goodbye and welcome a world of simplicity in 2024. In today’s episode, we’re all about transforming your budget from a tangled mess to a streamlined dream. Dive in with us as we unveil our signature budget template that’s not just smart but also super easy on the eyes. We’re talking about cutting down on the chaos, embracing a five-category system, and making your finances work for you, not against you. Let's make budgeting something to look forward to!

1. Common Budgeting Mistakes: Many people overcomplicate budgeting, which can lead to confusion and frustration. We discuss these pitfalls and how to avoid them.

2. The Five-Category System: Simplify your budget by categorizing it into five main sections: income, debts, bills, spending, and savings. This approach makes it easier to understand and manage your finances.

3. Why Tracking Every Expense is Overkill: Constantly monitoring every expenditure can be tedious and unnecessary. We advocate for pre-planning spending to avoid the hassle of tracking each transaction.

4. The Problem with Third-Party Apps: Using multiple apps can complicate budgeting. We suggest relying on your bank app and our budgeting system for a more streamlined process.

5. Automating Your Budget: Set up auto-payments for bills and auto-transfers for savings to simplify budget management. This automation ensures that your finances are in order without the need for constant manual oversight.

6. Savings and Planning Ahead: Emphasize the importance of saving for foreseeable expenses, like oil changes or vacations, to avoid last-minute financial stress.

7. Daily Check-Ins for Confidence: Initially, daily check-ins with your bank accounts can provide reassurance and help you adjust to the new budgeting system.

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!

We're diving into the magical world of savings buckets. Ever felt puzzled about how much to save for emergencies, or why holiday expenses catch you off guard every year? We've got you covered! We're exploring everything from the "Oh no, my car broke!" fund to setting aside cash for those glam-up sessions. Let's deep dive into creating various savings buckets that'll transform your financial management this year.

1. Savings Buckets Demystified:

-We explain what savings buckets are: personalized savings accounts for specific life goals, separate from your emergency fund. These are intentional, purposeful, and tailored to your life's unique needs.

2. The Essential Emergency Fund:

-Starting with a beginner fund of $1,000, we discuss the importance of building an emergency fund. The ultimate goal? Save three to six months of living expenses for those unforeseen circumstances.

3. Managing Annual Bills:

-We delve into planning for those pesky non-monthly bills like insurance premiums, taxes, and subscriptions. A pro tip? Divide the total annual cost by 12 to smoothly integrate it into your monthly budget.

4. Vehicle Care and Maintenance:

-We emphasize the importance of a dedicated fund for vehicle upkeep and potential replacements. Regular maintenance can prevent costly surprises and extend the life of your vehicle.

5. Home Maintenance Planning:

-From fixing the roof to seasonal upkeep, we talk about the necessity of a home maintenance fund. It's all about being prepared for those inevitable home repairs.

6. Medical Savings Bucket:

-With healthcare costs being a significant concern, we discuss setting aside funds for medical appointments, treatments, and unplanned health expenses.

7. Travel and Vacation Savings:

-Dreaming of a vacation? We share insights on saving for travel, covering everything from transportation to accommodation, ensuring your dream trip doesn’t derail your finances.

8. Saving for Festive Seasons:

-Holidays can be financially overwhelming, so we discuss strategies for saving for gifts, decorations, and holiday travel, spreading the cost across the year for a stress-free season.

9. Budgeting for Kids’ Activities:

-Kids' sports and extracurricular activities can add up. We talk about setting aside funds for registration fees, equipment, and travel related to your child’s hobbies and interests.

10. Pet Care Fund:

-For our furry friends, we discuss creating a savings bucket for regular vet visits, grooming, and unexpected pet health issues.

11. Personal Care and Glam Up Fund:

-From haircuts to skincare treatments, we cover the importance of budgeting for personal care and maintaining a fund for those self-care expenses.

12. Gift-Giving and Special Occasions:

-Birthdays, anniversaries, and other celebrations need a budget too. We share tips on how to save for these joyous occasions without financial stress.

13. Clothing and Essentials:

- We touch on the necessity of a clothing fund, especially considering the changing needs and growth of family members.

14. Planning for Tuition and Education:

- Lastly, we delve into saving for education-related expenses, including tuition, books, and other fees, emphasizing the importance of planning ahead to avoid student loans.

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 

Snag Our Savings Bucket Tracker!

This episode is a treasure trove of insights on the concept of sinking funds, or as we love to call them, 'Savings Buckets' - a crucial tool for elevating your budgeting game. It's all about preparing for future expenses, big or small, to achieve financial peace of mind. We dive into setting up savings buckets, share success stories, and provide best practices from our experience with clients.

Key Points:

1. Introduction to Savings Buckets: Savings buckets are essentially designated savings accounts for specific purposes, helping you save systematically and avoid financial stress.

2. Client Success Stories: We highlight how clients have successfully used savings buckets for various needs - from funding weddings and graduations to creating a summer fund for a teacher's irregular income.

3. The Necessity of Savings Buckets: They're essential for being financially prepared for predictable expenses like vehicle maintenance, home repairs, or even Christmas gifts.

4. Setting Up Your Savings Buckets:

   • Determine which savings buckets are essential based on your needs and budget.
   • Select a bank that allows multiple savings accounts without restrictions.
   • Set up automatic transfers to these accounts to ensure consistent saving.

5. Types of Savings Buckets: We categorize them into 'needs' (like emergency funds, annual bills) and 'wants' (like vacations, kids' activities).

6. Best Practices:

   • Set clear, realistic goals for each bucket.
   • Treat these funds as untouchable unless for their specific purpose.
   • Involve family in the saving process for shared goals.
   • Be flexible and adjust as necessary.

7. Engagement and Resources: We encourage listeners to share their savings goals and download our free Savings Buckets Tracker. ⁠Snag Our Savings Bucket Tracker!⁠

Savings buckets are more than just a financial strategy; they represent a mindset shift towards proactive, stress-free money management. Whether it's for an emergency fund, a dream vacation, or annual bills, the power of sinking funds lies in their ability to turn daunting financial challenges into manageable, planned-for events.

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!

🎉 Here we are at our 200th episode! It's an incredible milestone, and we're thrilled to share this moment with all of you. Reflecting on our journey from being avid podcast listeners to hosting our own show, we've learned and grown so much.

🚀 Our Evolution: From the start, we were amazed at the idea of doing something 200 times consistently. Our growth has been about more than just numbers; it’s been a journey of consistent effort, learning from others, and doubling down on what works - especially our commitment to financial coaching.

📈 The Impact We've Made: We want to express our heartfelt gratitude to you, our listeners. Your feedback and stories have been inspiring, and watching our community grow has been nothing short of amazing.

👥 Connecting With You: Every encounter, be it a random meeting at a grocery store or emails from you, has reinforced our love for this work. It's your stories and successes that drive us every day.

📚 Our Learning Curve: We've come a long way since our first episode. Investing in our skills and focusing our efforts on online content has propelled our growth and allowed us to reach more of you.

💬 Memorable Moments: We've had our share of hilarious and chaotic moments while building our business. These experiences have taught us resilience and dedication, and we wouldn't have it any other way.

🎤 Your Success Stories: Sharing your stories of financial freedom and transformation has been the most rewarding part of our journey. Every debt paid off, every budget successfully managed, is a testament to the power of financial coaching.

🌱 Setting Goals and Focusing: We've learned the importance of setting meaningful goals and concentrating our energy on specific objectives for effective growth. And we encourage you to do the same!

📖 What's Coming Next: We're excited to announce our upcoming project – a financial devotional journal. It's a new way for us to connect with you and provide more value.

🙏 A Big Thank You: Finally, a huge thank you to each one of you for joining us on this journey. Your support, stories, and feedback mean the world to us. Here's to many more episodes and continued growth together!

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!

Should your kids be paying for their own car insurance? This question often goes unconsidered, as many parents automatically assume the responsibility without a second thought. We're here to challenge this norm! This isn't just about adding a line item in your budget; it's about a crucial life lesson.

Key Points Discussed:

1. A Reality Check on Car Insurance Costs:

   • We start with an eye-opening example: a family's car insurance bill skyrockets to $1,400 monthly after adding a second teen driver. This situation sparks our conversation about financial responsibilities and budgeting in families.

2. Cultivating Financial Independence in Teens:

   • Our stance is clear and strong: teenagers should contribute to their car insurance payments. This practice fosters a sense of ownership and responsibility, integral to their growth and maturity.

3. Steps Towards Fiscal Maturity:

   • We delve into practical ways for parents to introduce financial responsibilities. By encouraging teens to manage expenses like car insurance, phone bills, and gas, we set them on a path to adulthood, equipped with essential financial skills.

4. Mastering Life's Balancing Act:

   • Addressing concerns of overburdening teens, we emphasize the importance of balancing academics, work, and financial duties. These life lessons are invaluable in preparing them for the real world.

5. Creative Parental Support:

   • For parents keen on supporting their teens, we propose innovative methods like setting aside money in a separate account. This approach ensures that children learn essential financial skills while still receiving parental support in the background.

6. Fostering Self-Reliance and Confidence:

   • We conclude by advocating for letting teens take charge of their financial responsibilities. This not only reveals their capabilities but also instills a sense of achievement and self-reliance.

Final Thoughts: Tune in for an engaging discussion that offers valuable insights for parents striving to raise financially savvy and independent children. Learn how to strike the right balance between guidance and independence, setting your kids up for a confident and capable future.

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!

Imagine your money as your most efficient employee, working tirelessly in the background while you enjoy life. That's what we're unpacking today. It's not just about saving, it's about smart saving, using automation, and the power of high-yield accounts to make every cent count.

1. Automation is King: Learn how to automate your financial system. From bills to savings, let your bank work as your personal financial assistant.
2. High-Yield Savings Accounts: Move beyond the basic savings account. Discover the benefits of high-yield savings or money market accounts to grow your emergency fund or save for big goals.
3. Debt Management: Understand why avoiding debt is crucial and how being debt-free can actually make you wealthier.
4. Be Your Own Bank: We delve into the concept of saving for specific goals and making purchases in cash, empowering you to be your own lender.

In a nutshell, this episode is about turning your financial management into a smooth, automated machine, earning you money even when you're not actively managing it. Remember, it's not just about saving; it's about saving smartly and spending wisely.

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!  

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In this inspiring episode, we chat with Becky, a 44-year-old accountant from Oklahoma, who shares her incredible journey of overcoming financial hurdles. Despite being in the middle of a busy season and juggling responsibilities with her chickens and dog, Becky enthusiastically delves into her experience with debt consolidation, budgeting struggles, and how she turned her financial situation around.

Highlights of the Episode:

• Becky's Background: An accountant with a love for life, struggling with debt payments and budgeting.
• Turning Point: Discovering our podcast and deciding against debt consolidation, choosing financial coaching instead.
• Strategy Shift: Calling creditors, negotiating payments, and restructuring her financial approach.
• Success Story: Paying off $7,200 and six debts in just six months!

Key Takeaways:

1. Empowerment Over Debt: Becky's choice to take control of her debt instead of opting for debt consolidation.
2. The Coaching Impact: How working with a financial coach provided Becky with accountability and a practical plan to tackle debt.
3. Budgeting Revelations: Transitioning from budgeting struggles to creating efficient systems for managing finances.
4. Unexpected Wins: Paying off significant debts, including a car payment, and planning for vacations while still clearing debt.
5. Mindset Shift: Realizing the importance of trusting the budget and understanding the nuances of financial planning.

Becky’s Advice: Trust in your budget, understand it's okay to have fluctuations in your bank account, and always keep your goals in focus.

Why This Episode is a Must-Listen: Becky’s story is not just about paying off debt; it's a testament to the power of resilience, strategic planning, and the positive impact of financial coaching. Her journey from feeling overwhelmed by debt to becoming a proactive and savvy budgeter is both motivational and educational.

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!

Today's episode dives into creating and sticking to a budget that is tailored to your family's unique lifestyle, goals and schedule. We debunk the myth of one-size-fits-all budgeting strategies and offer a comprehensive guide for your family's unique needs and lifestyles. Plus, we share the secret to making budgeting easier and more effective so you can actually stick to it.

Key Points Discussed:

1. Budgeting is Not One-Size-Fits-All: Every family is unique, and so should be their budget. Generic templates often fail because they don't consider individual family needs and habits.

2. Our Signature Budget System: We've designed a budget template that's comprehensive yet simple, including a paycheck plan and a checklist for payday. The system is complemented by a course that guides you through the process.

3. Conduct a 90-Day Review: A crucial step is to review your past three months' expenses. This helps in understanding your spending patterns and setting a realistic budget.

4. Five Essential Budget Categories: Our system breaks down your budget into five key areas - Income, Debt, Bills, Spending, and Savings. Each category is tailored to reflect your unique lifestyle and goals.

5. Involving the Family: Budgeting should be a family affair. Discuss with family members to understand their needs and upcoming expenses, such as school trips or sports activities.

6. Adapting to Different Pay Schedules: Your budget should align with how you get paid, whether it's weekly, bi-weekly, or through bonuses. Tailor your budget to fit your income schedule.

7. Setting Goals and Staying Motivated: Having clear financial goals is crucial for sticking to a budget. Visualize your goals to stay focused and avoid impulsive spending.

8. Practical Tips to Stick to Your Budget: Use tools like cash envelopes for accountability, set reminders for budgeting tasks, and separate your money into different accounts for different purposes.

Budgeting doesn't have to be a chore. With the right system and approach, tailored to your family's needs, it can be an empowering and rewarding process. Check out our Signature Budget System at myidealbalance.com/budget to start your journey to smarter, personalized 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.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!

Welcome to 2024! In today's episode, we're focusing on how to set and reach your money goals this year. It's all about planning, taking action, and making smart choices with your money. We're here to show you how to do this, step by step.

Key Points:

1. Learning About Money:

   • We talk about our budget template that helps you track your money, plan for the future, and make sure you’re saving enough.
   • Learning about money means not just listening but doing. Use what you learn to change how you handle your money.

2. Setting Goals:

   • Make clear goals for your money. Whether you want to save more, pay off debt, or buy something big, you need to know what you’re aiming for.
   • We discuss short-term and long-term goals. Short-term might be not using a credit card this week, while long-term could be saving for retirement.

3. Steps to Reach Your Goals:

   • Break big goals into smaller steps.
   • Use tools like automation to help manage your money without needing to think about it every day.
   • Check in regularly to stay on track.

4. Dealing with Challenges:

   • Be ready for unexpected costs and problems. They happen, but they don’t have to ruin your plans.
   • Keep focused on why you’re doing this. Remember what you’re saving for or why you want to be debt-free.
   • Get your family or partner involved. It’s easier when you’re working together.

This year can be a great one for your money. Set clear goals, take small steps, and stay focused. We’re here to help you through it. Let us know your goals at info@myidealbalance.com and let’s work together to make 2024 great for your finances.

🔑 Key takeaways:

• Consider short, mid & long term goals 📚
• Set SMART goals 🎯
• Break down big goals into small steps 👣
• Stay consistent and adapt to challenges 💪

Listen now and start your journey towards a financially blessed 2024! 💫

#FinancialGoals #Budgeting #Success2024 #MoneyMatters #MyIdealBalance

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!

Ready to crack the code on stress-free budgeting and savvy spending? 🌈✨ In this must-listen episode, we're diving deep into the world of smart money management. If you're tired of financial jargon and looking for real, relatable advice, you've landed in the perfect spot! 🚀

🔑 Key Insights:

1. The Eye-Opening Bank Statement Review: Ever wonder where your money actually goes? We're starting with a 90-day bank and credit card statement deep dive. Get ready for some color-coded revelations that might just make your jaw drop! 😮🖍️

2. Budgeting 101 - Your Way: Say goodbye to complicated spreadsheets! We're all about creating a budget that feels like a chat with a good friend – cozy, honest, and super helpful. 📊💬

3. Streamlining Your Finances: Ever thought managing money could be as easy as pie? We introduce a two-account system that's so simple, you'll wonder why you didn't start sooner! 🥧💡

4. The Magic of Automation: Imagine your bank doing all the heavy lifting for you. We're talking about turning your bank into your personal finance genie – automating savings and expenses like a boss! 🧞‍♂️✨

5. Balancing Time with Money: Struggling to find time for financial planning? We've got some fun and quirky tips to make budgeting a blast – it's time to add some sparkle to those numbers! 🎉📅

6. The Joy of a Flexible Financial Plan: Who said budgeting has to be a bore? Discover how our approach brings joy, freedom, and a sense of control to your finances. 🎈🗝️

7. Your Toolkit for Success: Dive into our treasure trove of resources, from the 49 Smart Money Moves to our easy-peasy one-page budget template. Financial genius, here you come! 🧰💎

🚀 Why You Can't Miss This Episode:

• Ever felt baffled by your own spending habits? We're shedding light on that mystery!
• Dreaming of a budget that doesn't make you snooze? We've got just the thing!
• Think managing money has to be dull? Not on our watch!

🔗 Resources You'll Love:

• 49 Smart Money Moves: myidealbalance.com/smartmoney
• One-Page Budget Template: myidealbalance.com/budgettemplate

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!⁠

2024 seems like a good year to break free from the paycheck to paycheck cycle. Listen for ten tips we have that can help you today, everything from mindset to actual things to do with your money, bank accounts and habits!

Here are some key highlights:

• Mindset Shifts

  • It's often not as bad as it seems: Overcoming mental barriers
  • The importance of a tangible budget: Seeing is believing

• Key Strategies

  • Conduct a 90-day spending review: Uncover surprising expenses
  • One-Page Budget Template: Simplify budgeting
  • Embrace being a beginner: B-minus work is okay!

• Automating Finances

  • Benefits: Time-saving, avoiding late fees, sticking to the budget
  • The concept of a financial "straight jacket"

• Income Management

  • Change the mindset: From paycheck-focused to monthly income planning
  • Consistent allocation for expenses: Groceries, savings, etc.

• The Paycheck Plan

  • Adopt healthy financial habits: Consistency and predictability
  • Zero-based budgeting: Every dollar has a job

• Avoiding Impulse Shopping

  • Impulse shopping pitfalls: Budget disruption and misaligned priorities
  • Strategies to resist: Delaying gratification, prioritizing bigger goals

  
  

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!

Welcome to a new world of financial ease with the Paycheck Plan – your pathway to financial liberation!

In this exciting episode, we unveil the secrets of our exclusive Paycheck Plan, a strategy designed to revolutionize the way you handle your finances every payday. This isn't just about managing your money; it's about transforming your relationship with it. Get ready to witness your savings flourish, your debts dwindle, and embrace the financial freedom you've always desired.

Introduction to the Paycheck Plan:

Discover the intricacies of the Paycheck Plan and its role in reshaping your financial habits.

Learn how it simplifies the management of savings, spending, and debt payments.

The Role of Our Signature Budget Template:

Explore how our custom budget template can streamline your financial planning.

Understand its value and compare it to other significant investments in life.

Implementing the Paycheck Plan:

Get a step-by-step walkthrough on how to put the Paycheck Plan into action.

Delve into the principles of zero-based budgeting and its advantages.

Client Success Stories:

Hear about various personal approaches to the Paycheck Plan.

Real-life examples show how the strategy can be adapted for monthly, bi-monthly, and weekly finances.

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://calendly.com/myidealbalance2/freecall 

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

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 

Snag Our Signature Budget Template!

In this episode, we highlight a range of our clients' success stories to inspire listeners on their financial journey. From clients on food stamps now planning cash-funded trips to Europe, to clients on a $5,000 budget efficiently funding their living and saving for home improvements, these financial victories show that budgeting and winning with money is possible for everyone! We also discuss the importance of having both partners involved in the financial planning process, the power of automation, and how to thrive on any income level by cultivating the right mindset. Lastly, we emphasize the value of investing in yourself and taking that step towards financial coaching - remember, whether it's much or little, it's how you use what you have that counts!

Key Points:

🔹 The story of a recently divorced woman who mastered budgeting and paid off her debt, all while funding a GLAM UP budget!

🔹Discover how a client transformed their approach to shopping, realizing the impact of their spending habits and making significant changes.

🔹 Insights into a business owner's journey to organize personal and business finances, shifting from credit dependence to cash-based budgeting.

🔹 The transformation of a client who saved thousands by re-quoting insurance and getting their business finances in order.

🔹 Learn how a couple, initially at odds with their spending habits, came together to create a unified financial strategy.

🔹 A deep dive into how shifting from credit card dependency to cash can revolutionize your financial perspective and success.

🔹 The story of a single mom's journey from food stamps to funding a European trip with her daughter.

🔹 How different income levels ($1,300 vs. $17,000 a month) can both find success through tailored financial coaching.

🔹 Exploring the power of automated savings and the impact of mindset in financial success.

Listen in and get inspired to make impactful changes in your financial life. Remember, it's not just about managing money; it's about empowering yourself for a better future.

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!

Welcome to our special year-end episode where we guide you through a comprehensive financial review of 2023. Get ready to reflect, celebrate, and even shed a tear or two as we prepare to welcome 2024 with a solid financial plan. Grab your checklist at myidealbalance.com/yearendchecklist and let’s dive in!

Highlights of the Episode:

1. Pause and Reflect: Take a moment to look back at 2023. What financial strides did you make? What lessons did you learn? Reflecting on the past year is crucial for setting realistic and impactful goals for the new year.

2. Budget Review: Examine your spending habits. Did you stick to your budget? Where did most of your money go? Understanding your spending patterns is key to making informed decisions in 2024.

3. Debt Assessment: Review your debts. Celebrate the debts you've paid down and plan strategies for those still pending. Remember, every small step towards debt reduction counts!

4. Savings Goals Check-in: Did you meet your savings goals? Understanding what worked and what didn’t will help set more achievable goals for the coming year.

5. Organize Financial Records: A great time to declutter and organize your financial documents. A clean slate leads to a clear mind!

6. Credit Report Review: Ensure all information is accurate and up-to-date. Regular checks can prevent surprises and keep you informed about your financial health.

7. Insurance Policy Review: Check if your current policies still meet your needs. Changes in life circumstances can often lead to necessary adjustments in coverage.

8. Retirement Contributions: Are you maximizing your retirement contributions? Adjusting your contributions can significantly impact your long-term financial health.

9. Charitable Contributions: Consider making year-end charitable contributions. It’s a great way to give back and can also offer tax benefits.

10. Financial Dreaming: Set aside time to dream big and plan for the future. What do you want to achieve financially in 2024? Dreaming big is the first step to achieving big!

11. Acknowledge Your Wins: Celebrate your financial successes, no matter how small. Acknowledging these wins builds confidence and motivation for the future.

Reflect on the past, plan for the future, and remember to acknowledge and celebrate your financial achievements. The upcoming episode will focus on setting practical goals and creating action plans for 2024.

Stay tuned, and don't forget to download the checklist to guide you through this process. Here's to a financially savvy and successful new year!

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!