Snag Our Signature Budget Template!Hey Budget Besties! In this episode, we're diving into your most pressing financial questions. From blending finances in a blended family to getting a month ahead on bills, we've got you covered. Tune in for practical advice and tips to help you take control of your money.

Key Points:

Blending Finances in a Blended Family:
- Combining different financial habits and histories can be tough. We discuss the importance of transparency and creating a unified financial plan.
- Tips on starting with a clean slate: laying out all income, debt, bills, and spending habits.
- Define your "why" to stay motivated during tough financial discussions.
- Weekly Budget Meetings:
- Schedule a consistent time each week for a budget check-in. Make it enjoyable to stay consistent.
- Key questions to ask: What’s working? What isn’t? Why? Adjust your budget as needed.
- Balancing Groceries and Kids’ Clothing:
- Prioritize necessities over wants. Involve kids in the budgeting process to teach them financial responsibility.
- Tips on triaging kids’ clothing needs and finding affordable options like thrifting.
- Making the Most of Increased Income:
- As your income grows, it's easy for expenses to grow too. Stick to a budget to ensure you’re saving and spending wisely.
- Tips on budgeting your new income to avoid lifestyle inflation.
- Recovering from Budget Mistakes:
- What to do if you miss a budget: account for previous missteps and plan your next steps carefully.
- Tips on resetting your budget and learning from past mistakes.
- Getting a Month Ahead on Bills:
- Understanding what expenses to include when trying to get a month ahead: bills, debt payments, subscriptions, and utilities.
- Aim to get a paycheck ahead to cover all aspects of your budget.
- Choosing the Right Bank:
- Recommendations for banks that allow multiple accounts without fees. Importance of finding a bank that works for you.
- Suggestions for local credit unions and digital banks like Ally.

4 Ways To Connect With Us:

1️⃣ FREE CALL: Book your FREE 20-Minute Financial Coaching Call now! Get personalized advice and start your financial journey ➡︎ https://www.budgetbesties.com/freecall

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

3️⃣ BUDGET: Grab our Signature Budget Template! It's your key to organizing and optimizing your finances effectively ➡︎ https://budgetbesties.com/budget

4️⃣ COACHING: Ready to dive deep into your finances? Sign up for 1-on-1 or Group Financial Coaching. It’s the accountability and guidance you need to make real progress ➡︎ https://budgetbesties.com/coaching

"I love Shana & Vanessa and this podcast is amazing!" < If that sounds like you, please consider rating and reviewing our show! It helps us to reach more people – just like you – to help them change their financial future. Don’t forget to follow the show so you don’t miss any episodes! And, if you’re feeling really generous, we’d be SO honored if you would share this podcast with someone.

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Snag Our Signature Budget Template!Hey Budget Besties!

In today's episode, we're tackling the all-too-familiar struggle of living paycheck to paycheck. If you're tired of feeling like your money is already spent before you even get it, this episode is for you. We're breaking down our simple and effective paycheck planning system that will help you take control of your finances, ensuring that you know exactly what to do with your money each payday.

Key Takeaways:

The Problem: Living paycheck to paycheck is a common issue. Many of us earn enough money but still feel financially strapped because we're not managing our paychecks effectively.
Mindset Shift: It’s not that you’re bad with money; you just need a better system. Our method helps you see your finances clearly and plan intentionally rather than reacting to financial stress.
Monthly Budget: Start by creating a monthly budget. This gives you a bird’s-eye view of your finances, helping you allocate your income across all your expenses, debts, savings, and spending categories.
Simple Categories: Our budget system is straightforward, focusing on five key areas: income, debts, bills, spending, and savings. This simplicity makes it easy to follow and stick to.
Separate Accounts: Set up separate accounts for different spending categories like groceries, gas, and pocket money. This helps you manage your money more effectively and ensures you always have funds for what you need.
Automatic Transfers: Automate your finances by setting up automatic transfers on payday. This way, your money is allocated to the right places without you having to think about it.
Paycheck Planning: Divide your expenses evenly across your paychecks. This prevents the feast-or-famine cycle and ensures that all your needs are consistently met.
Get One Paycheck Ahead: Aim to have your last paycheck of the month cover the upcoming month's expenses. This creates a buffer and reduces financial stress.

Action Steps:

Create a Budget: Use our free budget template to get started.
Set Up Accounts: Open separate accounts for different spending categories to keep your finances organized.
Automate Transfers: Set up automatic transfers on payday to ensure your money goes where it needs to go.
Implement the Plan: Follow the paycheck plan to manage your expenses evenly and avoid financial stress.
Build a Buffer: Work towards having one paycheck ahead to further ease financial strain.

4 Ways To Connect With Us:

1️⃣ FREE CALL: Book your FREE 20-Minute Financial Coaching Call now! Get personalized advice and start your financial journey ➡︎ https://www.budgetbesties.com/freecall

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

3️⃣ BUDGET: Grab our Signature Budget Template! It's your key to organizing and optimizing your finances effectively ➡︎ https://budgetbesties.com/budget

4️⃣ COACHING: Ready to dive deep into your finances? Sign up for 1-on-1 or Group Financial Coaching. It’s the accountability and guidance you need to make real progress ➡︎ https://budgetbesties.com/coaching

"I love Shana & Vanessa and this podcast is amazing!" < If that sounds like you, please consider rating and reviewing our show! It helps us to reach more people – just like you – to help them change their financial future. Don’t forget to follow the show so you don’t miss any episodes! And, if you’re feeling really generous, we’d be SO honored if you would share this podcast with someone.

Click here to view our privacy policy.

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Snag Our Signature Budget Template!Hey Budget Besties! 🎉

In this episode, we dive into the nitty-gritty of managing finances, especially when life's curveballs come your way. From adjusting to income changes, teaching your kids the value of money, to getting on the same financial page with your spouse, we’ve got a packed session of tips and real-life advice for you. Let’s get into it!

Key Topics:

Stealing from Your Bills Account?
Ever find yourself dipping into your bills account for “funsies”? Learn why it’s crucial to keep that money sacred and how to discipline your spending habits.
Transitioning Income Levels:
Shana and Vanessa share their insights on managing finances when your income is changing. Whether you’re moving from a full-time job to freelance work or dealing with seasonal income, we’ve got strategies to help you stay on track.
Teaching Kids About Money:
How much should your kids be responsible for financially? Discover practical ways to balance lessons in financial independence with giving them a helping hand, and why it’s important not to let grandma’s gifts cover daily expenses.
Couples and Money Management:
Not on the same page with your partner about finances? We discuss the importance of teamwork in budgeting and how to ensure both partners are involved in financial decisions.

Real-Life Client Stories:

Grandma’s Generosity:
Hear about a family debating whether to use grandma’s money for daily expenses or save it for bigger future goals.
Teen Independence:
Learn from a family struggling to teach their son financial independence despite a busy sports schedule.
Overworked Firefighter Family:
A look into the life of a family relying on inconsistent income and how they manage extracurricular activities on a tight budget.
Army to Civilian Life:
How a military family prepares for a major income transition and prioritizes debt repayment.

Practical Tips:

Leave Your Bills Account Alone:
Discover why carrying your bills account debit card can be a financial trap and our quirky tips to avoid unnecessary spending.
Communicate with Your Partner:
Tips on how to have productive financial discussions and make budgeting a team effort.
Planning for Inconsistent Income:
Learn how to budget based on minimum income and handle bonuses or tax returns effectively.

4 Ways To Connect With Us:

1️⃣ FREE CALL: Book your FREE 20-Minute Financial Coaching Call now! Get personalized advice and start your financial journey ➡︎ https://www.budgetbesties.com/freecall

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

3️⃣ BUDGET: Grab our Signature Budget Template! It's your key to organizing and optimizing your finances effectively ➡︎ https://budgetbesties.com/budget

4️⃣ COACHING: Ready to dive deep into your finances? Sign up for 1-on-1 or Group Financial Coaching. It’s the accountability and guidance you need to make real progress ➡︎ https://budgetbesties.com/coaching

"I love Shana & Vanessa and this podcast is amazing!" < If that sounds like you, please consider rating and reviewing our show! It helps us to reach more people – just like you – to help them change their financial future. Don’t forget to follow the show so you don’t miss any episodes! And, if you’re feeling really generous, we’d be SO honored if you would share this podcast with someone.

Click here to view our privacy policy.

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Snag Our Signature Budget Template!

Hey Budget Besties! 🎉 Listen into a live group coaching call where we dive deep into the game-changing strategy of using separate bank accounts for effective budgeting and more. 💡 Say goodbye to the headache of tracking every dollar and hello to the ease of automated planning!

We discuss:

1. Separate Bank Accounts

Gas and Groceries: Consider a dedicated account for these to streamline your spending without the need to track every purchase.
Bills Account: Use a separate account for bills to ensure they’re always covered, avoiding accidental overspending.
Fun Money: Keep a distinct account for discretionary spending to give yourself permission to enjoy your money guilt-free.

2. Paycheck Planning

Allocate specific amounts for different categories from each paycheck.
Example: $300 for groceries per pay period.
Adjust based on your spending patterns (e.g., weekly grocery trips).

3. Creative Budget Stretching

Shop Your House: Utilize pantry and freezer items before buying more groceries.
Weekend Supplementing: Plan smaller, supplementary shopping trips if you do a big shop at the beginning of the month.

4. Recommended Banks

Ally Bank: High interest on savings, multiple accounts.
Navy Federal: Unlimited checking and savings accounts.
USAA, Capital One, Discover: Good options with some caveats on debit cards.

5. Automation and Visualization

Automate Transfers: Set up automatic transfers from your bills account to other accounts to simplify budgeting.
Multiple Savings Goals: Use separate savings accounts for different goals (emergency fund, vacation, etc.).

We also share personal stories, like how Shana managed her budget while her husband was deployed, and Vanessa’s tips for making Taco Tuesday a no-dishes delight. 🌮✨

Tune in to learn how you can set up your budget for success, avoid unnecessary fees, and make your money work 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.budgetbesties.com/freecall

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

3️⃣ BUDGET: Grab our Signature Budget Template! It's your key to organizing and optimizing your finances effectively ➡︎ https://budgetbesties.com/budget

4️⃣ COACHING: Ready to dive deep into your finances? Sign up for 1-on-1 or Group Financial Coaching. It’s the accountability and guidance you need to make real progress ➡︎ https://budgetbesties.com/coaching

"I love Shana & Vanessa and this podcast is amazing!" < If that sounds like you, please consider rating and reviewing our show! It helps us to reach more people – just like you – to help them change their financial future. Don’t forget to follow the show so you don’t miss any episodes! And, if you’re feeling really generous, we’d be SO honored if you would share this podcast with someone.

Click here to view our privacy policy.

This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase!

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Do you find yourself juggling multiple debts and wondering which one to tackle first? 🤔 You're not alone, budget besties! We are break down the three most popular methods for getting out of debt and help you decide which one fits your unique situation.

In This Episode:

Debt Snowball Method:
What It Is: Focus on paying off the smallest balances first.
Why It Works: Quick wins keep you motivated. 🎉
Example: Pay off a $500 credit card before a $1,000 one, regardless of interest rates.
Debt Avalanche Method:
What It Is: Pay off debts with the highest interest rates first.
Why It Works: Saves the most on interest in the long run. 💰
Example: Target a credit card with a 25% interest rate over one with a 15% rate.
Minimum Payments Method:
What It Is: Pay off debts with the highest minimum payments first.
Why It Works: Frees up more cash in your budget sooner. 💵
Example: Eliminate a $500/month payment debt before a $100/month one.
Real-Life Applications:
Situational examples of how to decide which method to use.
Combining strategies for maximum impact based on your unique financial situation. 🌟

Actionable Steps:

List Your Debts: Order from smallest to largest balance, and include interest rates and minimum payments.
Evaluate: Consider if you need quick wins (Snowball), long-term savings (Avalanche), or cash flow (Minimum Payments).
Personalize: Choose or combine methods based on your unique situation. Don't forget to adjust if you get a lump sum or if your circumstances change!

No one-size-fits-all solution here! We dive into how to list your debts, evaluate your options, and choose the best method for your financial goals. Whether you’re aiming for quick wins, saving on interest, or freeing up cash flow, we’ve got the strategy for you. Tune in to empower your financial journey and take control of your debt! 🌟

4 Ways To Connect With Us:

1️⃣ FREE CALL: Book your FREE 20-Minute Financial Coaching Call now! Get personalized advice and start your financial journey ➡︎ https://www.budgetbesties.com/freecall

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

3️⃣ BUDGET: Grab our Signature Budget Template! It's your key to organizing and optimizing your finances effectively ➡︎ https://budgetbesties.com/budget

4️⃣ COACHING: Ready to dive deep into your finances? Sign up for 1-on-1 or Group Financial Coaching. It’s the accountability and guidance you need to make real progress ➡︎ https://budgetbesties.com/coaching

"I love Shana & Vanessa and this podcast is amazing!" < If that sounds like you, please consider rating and reviewing our show! It helps us to reach more people – just like you – to help them change their financial future. Don’t forget to follow the show so you don’t miss any episodes! And, if you’re feeling really generous, we’d be SO honored if you would share this podcast with someone.

Click here to view our privacy policy.

This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase!

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Snag Our Signature Budget Template!

Hey, Budget Besties! 🎙️

In today’s episode, we had a wonderful chat with Cassandra, who’s managing her family’s finances on a single income. Her main goal is building up her savings while juggling all the expenses that come with raising kids, especially as they grow older. 🎧✨

Key Topics Discussed:

Paycheck Planning: Cassandra and her husband are working on getting a month ahead with their budget, a crucial step for avoiding that paycheck-to-paycheck stress. We discussed how to utilize those two to three paycheck months to create a buffer and plan ahead for upcoming expenses.
Savings Buckets: Cassandra is building up her emergency fund but also wants to save for her daughter’s future wedding. We discussed the importance of prioritizing an emergency fund before setting up other savings goals, especially when unexpected expenses can pop up.
Account Structure: We dove into the importance of separating funds into different accounts for clarity:
Bills Account: Dedicated to recurring monthly expenses.
Spending Account: Covers daily expenses like gas and groceries.
Sinking Funds: Specific savings accounts for non-monthly expenses like holidays, gifts, or larger one-time purchases.
Streamlining Accounts: Cassandra is already on the right track by using a high-yield savings account for her emergency fund. She’s also exploring the idea of setting up a checking account for bills to keep everything organized and transparent.
Handling Irregular Expenses: We chatted about how to handle those surprise expenses—like school fees or extracurricular activities—that don't fit neatly into the monthly budget. Tracking these can make planning for them in the future much easier.
Building a Buffer: We discussed the idea of creating a buffer in the bills account to cover unexpected expenses and avoid the stress of timing issues with bill payments.
Labeling Savings: Cassandra is renaming her savings accounts to reflect their purposes more clearly, like “Wedding Fund” and “Trip Fund,” to create a stronger emotional attachment and make it easier to resist dipping into them for other needs.
Optimizing Transfers: We addressed the challenge of limited transfers from certain savings accounts and how to work around it by using checking accounts for frequent transactions or consulting with banks for better terms.

Top Tips:

Track All Expenses: Keep a list of all irregular expenses to avoid surprises.
Prioritize Emergency Funds: Before diving into other savings goals, make sure you have a solid emergency fund.
Separate Accounts: Use different accounts for bills, spending, and savings to stay organized and clear.
Communicate with Family: Involve the family in financial decisions and explain the importance of saving for future goals.
Avoid Impulse Savings Withdrawals: By naming your savings accounts, it becomes harder to justify taking money out for non-essential expenses

4 Ways To Connect With Us:

1️⃣ FREE CALL: Book your FREE 20-Minute Financial Coaching Call now! Get personalized advice and start your financial journey ➡︎ https://www.budgetbesties.com/freecall

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

3️⃣ BUDGET: Grab our Signature Budget Template! It's your key to organizing and optimizing your finances effectively ➡︎ https://budgetbesties.com/budget

4️⃣ COACHING: Ready to dive deep into your finances? Sign up for 1-on-1 or Group Financial Coaching. It’s the accountability and guidance you need to make real progress ➡︎ https://budgetbesties.com/coaching

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Curling Iron Link: https://amzn.to/3VuuZHy

Hey Budget Besties! 🎉

In today's episode, We are sharing the details of the magic of automating your finances. Imagine a world where your bank account acts like your personal assistant—taking care of all the budgeting and bill paying while you sit back and relax. No more worrying about missing payments or overspending. Sounds dreamy, right? Let’s make it a reality!

Key Takeaways:

The Power of Automation:
Set up your bank accounts to handle everything for you.
Automate bill payments and transfers so you can focus on what truly matters.
A Fun Throwback:
We share hilarious stories about our early curling iron disasters and how the right tools make all the difference. Spoiler: The same goes for your finances!
Step-by-Step Guide to Automation:
Create a Budget: Understand your income, debts, recurring bills, spending, and savings.
Set Up Bill Accounts: Make sure all your income flows into an account dedicated to bills and debt payments.
Digital Envelopes: Open separate accounts for different spending categories and savings goals.
Paycheck Plan: Automate transfers based on your pay schedule to ensure every category is funded without you lifting a finger.
Hands-Off Supervision:
Once set up, simply monitor your accounts to ensure everything runs smoothly. Your finances will almost manage themselves!
Real-Life Impact:
We share client stories and personal experiences, illustrating how automation can simplify your financial life and keep you on track.

Practical Tips:

Renaming Accounts: Label your accounts with specific goals (e.g., "Vacation Fund," "Grocery Money") to add an emotional barrier against unnecessary spending.
Set Up Recurring Transfers: Use your bank's features to automate transfers on a schedule that aligns with your paydays.
Monitor and Adjust: Regularly check your accounts to ensure everything is running as planned and make adjustments as needed.

Action Steps:

Create Your Budget: Break it down into income, debts, bills, spending, and savings.
Organize Your Accounts: Set up dedicated accounts for each category.
Automate Transfers: Schedule recurring transfers to keep everything funded and on track.
Review and Refine: Keep an eye on your accounts and make adjustments to improve the system.

Inspirational Quote:

"A budget is telling your money where to go instead of wondering where it went." - John Maxwell

4 Ways To Connect With Us:

1️⃣ FREE CALL: Book your FREE 20-Minute Financial Coaching Call now! Get personalized advice and start your financial journey ➡︎ https://www.budgetbesties.com/freecall

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

3️⃣ BUDGET: Grab our Signature Budget Template! It's your key to organizing and optimizing your finances effectively ➡︎ https://budgetbesties.com/budget

4️⃣ COACHING: Ready to dive deep into your finances? Sign up for 1-on-1 or Group Financial Coaching. It’s the accountability and guidance you need to make real progress ➡︎ https://budgetbesties.com/coaching

"I love Shana & Vanessa and this podcast is amazing!" < If that sounds like you, please consider rating and reviewing our show! It helps us to reach more people – just like you – to help them change their financial future. Don’t forget to follow the show so you don’t miss any episodes! And, if you’re feeling really generous, we’d be SO honored if you would share this podcast with someone.

Click here to view our privacy policy.

This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase!

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Hey Budget Besties! 🎙️

Have you ever tried to do a budget and felt like running away screaming? Today, we’re breaking down why budgeting doesn't have to be complicated. We’ll show you how to lay it out simply, understand it fully, and actually stick to it. No more confusion, no more overwhelm!

Episode Highlights:

Budgeting Misconceptions: Ever felt like you needed a PhD to understand a budget template? Us too. We’ve been there, and we’re here to simplify the process.
Health and Budget Comparison: We draw parallels between complicated diets and budgeting—both often involve unnecessary steps that lead to stress and inaction. Let’s keep it simple!
Why Most Budgets Fail: Traditional budgets often miss the mark. For example, placing debt payments at the bottom doesn’t prioritize what’s most important for many of us—clearing that debt!
Our Budgeting Journey: From Dave Ramsey’s plan to our personalized approach, we share our evolution in creating a straightforward, effective budget.
The Five Simple Columns:
Income: All money coming in.
Debt: Minimum payments listed upfront to highlight priorities.
Bills: Recurring monthly expenses (yes, mortgage goes here!).
Spending: Discretionary expenses like groceries, gas, and entertainment.
Savings: Set aside for goals like vacations, home maintenance, and more.
Tailored to You: Our budget template is designed to be flexible and customizable to fit your unique lifestyle and goals.
Automate for Success: Learn how to automate your budget to make managing your money effortless.

Key Takeaway:

Budgeting doesn’t have to be scary or complicated. With our one-page budget template, you can see your financial picture clearly and take control with confidence.

4 Ways To Connect With Us:

1️⃣ FREE CALL: Book your FREE 20-Minute Financial Coaching Call now! Get personalized advice and start your financial journey ➡︎ https://www.budgetbesties.com/freecall

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

3️⃣ BUDGET: Grab our Signature Budget Template! It's your key to organizing and optimizing your finances effectively ➡︎ https://budgetbesties.com/budget

4️⃣ COACHING: Ready to dive deep into your finances? Sign up for 1-on-1 or Group Financial Coaching. It’s the accountability and guidance you need to make real progress ➡︎ https://budgetbesties.com/coaching

"I love Shana & Vanessa and this podcast is amazing!" < If that sounds like you, please consider rating and reviewing our show! It helps us to reach more people – just like you – to help them change their financial future. Don’t forget to follow the show so you don’t miss any episodes! And, if you’re feeling really generous, we’d be SO honored if you would share this podcast with someone.

Click here to view our privacy policy.

This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase!

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Hey, Budget Besties!

🏡💸 Ever get those offers from your bank asking if you want to opt into a biweekly payment program? To some, your initial reaction might be, "Sounds like math...and I’m not sure if this is a good idea." Don’t worry, we’ve done the research for you, and we're here to break it all down!

The Problem:

Most homeowners don’t realize that they pay the most interest in the first seven years of their mortgage. If you check your statements, you’ll see that a tiny portion of your payment goes towards the principal, while the majority goes towards interest. Banks know this, and that’s why they want to get their money upfront.

The Biweekly Payment Plan:

Banks offer biweekly plans, but what's the deal with those? Here's how it works:

Monthly Payment: If your mortgage is $2000/month, you pay $24,000/year.
Biweekly Payment: You pay $1000 every two weeks, resulting in 26 payments per year (52 weeks/2), totaling $26,000/year.

That’s an extra $2000 annually, effectively making one additional monthly payment each year. This reduces your principal faster, saving you thousands in interest over the life of the loan.

Our Recommendation:

Instead of following the bank's plan, which might complicate your budget with biweekly payments, we suggest:

Stick to Monthly Payments: Calculate your extra payment for the year and divide it by 12.
Add Extra to Your Monthly Payment: If you want to add $2000 extra annually, add about $167 to your monthly payment.
Direct Extra to Principal: Ensure you specify that the extra amount goes directly towards the principal, not next month’s bill.

When to Consider This:

Assess Your Priorities: Your money can only do so much. Decide if paying off your mortgage faster is a priority over other financial goals like savings, debt repayment, or investments.
Check Your Budget: Ensure you have enough extra income each month to cover the additional payment without straining your finances.

Real-Life Application:

When Vanessa paid off her mortgage, she prioritized security over potential investment gains. Knowing her house was paid off was worth more than the interest she could have earned elsewhere.

Final Thoughts:

If you have the budget for it, making extra mortgage payments can save you tens of thousands of dollars and cut years off your loan. Just make sure to automate it and communicate with your bank that these payments should go toward the principal.

4 Ways To Connect With Us:

1️⃣ FREE CALL: Book your FREE 20-Minute Financial Coaching Call now! Get personalized advice and start your financial journey ➡︎ https://www.budgetbesties.com/freecall

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

3️⃣ BUDGET: Grab our Signature Budget Template! It's your key to organizing and optimizing your finances effectively ➡︎ https://budgetbesties.com/budget

4️⃣ COACHING: Ready to dive deep into your finances? Sign up for 1-on-1 or Group Financial Coaching. It’s the accountability and guidance you need to make real progress ➡︎ https://budgetbesties.com/coaching

"I love Shana & Vanessa and this podcast is amazing!" < If that sounds like you, please consider rating and reviewing our show! It helps us to reach more people – just like you – to help them change their financial future. Don’t forget to follow the show so you don’t miss any episodes! And, if you’re feeling really generous, we’d be SO honored if you would share this podcast with someone.

Click here to view our privacy policy.

This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase!

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

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Snag Our Signature Budget Template!Hey Budget Besties! 💸

Welcome back to another episode where we’re diving into real-life budgeting scenarios and sharing some golden nuggets from our coaching sessions. Today’s episode is all about getting organized, cutting down unnecessary expenses, and ensuring that you and your partner are on the same financial page. Let’s get into it!

1. Tackling Subscriptions and Multiple Accounts

Ever found yourself juggling multiple subscriptions across various accounts? One of our clients did just that! With subscriptions coming out of four different credit cards and two checking accounts, she was all over the place. By our second meeting, she discovered over 20 subscriptions she forgot about. Here's the game plan we shared:

Gather all your subscriptions: Do a 90-day review to see where your money is going.
Consolidate payments: Move all subscriptions to one account, preferably your bills checking account.
Set reminders: If you sign up for free trials, set a reminder to cancel before you're charged.

2. The Metal Credit Card Dilemma

Why do they make some credit cards metal? Spoiler alert: It’s not for your benefit! Metal cards are harder to destroy, making you more likely to keep and use them. If you're clinging to a metal card, remember: credit card companies aren't on your side. Our advice? Consider if the benefits truly outweigh the costs and if it's really necessary.

3. Financial Honesty in Marriage

Finances can be a significant stressor in relationships, especially when there’s a lack of transparency. One of our clients faced this exact issue—her husband kept financial secrets to protect her, but it ended up causing more harm. Here's our advice for couples:

Be open and honest: Lay everything out on the table and discuss your finances as a team.
Work together: Create a shared budget and financial goals to work towards together.
Communicate regularly: Avoid crisis mode by having regular financial check-ins.

4. The Power of Savings Buckets

Imagine having a week where you need an oil change, buy tickets to Costa Rica, purchase maternity clothes, and get a birthday gift for your kid—all without financial stress. One of our clients did just that by using savings buckets. She had specific funds set aside for each expense, making her feel confident and prepared. Here's how you can do it:

Create a budget: Start with a clear, personalized budget template.
Set up savings buckets: Allocate funds for specific purposes like travel, car maintenance, and clothing.
Stay the course: Consistently contribute to your buckets and enjoy the peace of mind they bring.

4 Ways To Connect With Us:

1️⃣ FREE CALL: Book your FREE 20-Minute Financial Coaching Call now! Get personalized advice and start your financial journey ➡︎ https://www.budgetbesties.com/freecall

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

3️⃣ BUDGET: Grab our Signature Budget Template! It's your key to organizing and optimizing your finances effectively ➡︎ https://budgetbesties.com/budget

4️⃣ COACHING: Ready to dive deep into your finances? Sign up for 1-on-1 or Group Financial Coaching. It’s the accountability and guidance you need to make real progress ➡︎ https://budgetbesties.com/coaching

"I love Shana & Vanessa and this podcast is amazing!" < If that sounds like you, please consider rating and reviewing our show! It helps us to reach more people – just like you – to help them change their financial future. Don’t forget to follow the show so you don’t miss any episodes! And, if you’re feeling really generous, we’d be SO honored if you would share this podcast with someone.

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Snag Our Signature Budget Template!Hey Budget Besties! Are you ready to rock your June budget? Join us as we guide you through setting up your budget for the upcoming month. Whether you're new to budgeting or a seasoned pro, this episode is packed with tips to ensure your financial plan is solid. We'll review the essentials of wrapping up May, setting realistic goals for June, and making use of our handy budget templates.Key Takeaways: Wrapping Up May: Let's review what actually happened financially vs. what you planned. Don’t worry if things didn’t go as planned; it’s a learning process. Make sure you have a buffer for unexpected expenses. Setting Up Your June Budget: Income: List all your sources, including side hustles, bonuses, and refunds. Debt: Record your minimum payments and any additional amounts you plan to pay. Bills: Include all your recurring expenses, from utilities to subscriptions. Spending: Plan for groceries, gas, dining out, and personal care. Savings: Allocate funds for specific goals and unexpected costs. Special Considerations for June: Think about Father’s Day, weddings, summer camps, and vacations. Update your budget with any new or seasonal expenses. Plan for irregular income or large one-time payments like tuition or medical bills. Tips and Tricks: Use our signature budget template that auto-fills monthly to save time. Stay flexible and adjust as needed; life happens, and so do expenses. Celebrate small wins like paying off debt or saving for a goal.4 Ways To Connect With Us:1️⃣ FREE CALL: Book your FREE 20-Minute Financial Coaching Call now! Get personalized advice and start your financial journey ➡︎ https://www.budgetbesties.com/freecall 2️⃣ FACEBOOK: Become part of our Supportive Facebook Group. Connect, share, and learn with others mastering their budget skills ➡︎ https://www.budgetbesties.com/facebook 3️⃣ BUDGET: Grab our Signature Budget Template! It's your key to organizing and optimizing your finances effectively ➡︎ https://budgetbesties.com/budget 4️⃣ COACHING: Ready to dive deep into your finances? Sign up for 1-on-1 or Group Financial Coaching. It’s the accountability and guidance you need to make real progress ➡︎ https://budgetbesties.com/coaching "I love Shana & Vanessa and this podcast is amazing!" < If that sounds like you, please consider rating and reviewing our show! It helps us to reach more people – just like you – to help them change their financial future. Don’t forget to follow the show so you don’t miss any episodes! And, if you’re feeling really generous, we’d be SO honored if you would share this podcast with someone. Click here to view our privacy policy.This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase! --- Send in a voice message: https://podcasters.spotify.com/pod/show/budgetbesties/message

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Snag Our Signature Budget Template!Hey Budget Besties! 🌞 Are your kids already asking to do a million things this summer? We totally get it. Summer can quickly become a chaotic mix of activities, camps, and trips. But do you have the money for all those plans? Today, we’re diving into how to budget for a fun and memorable summer without breaking the bank!

Episode Highlights:

Planning with Purpose:
- Start by casting a vision for your summer. What do you want to accomplish? How do you want to feel by the end of it?
- Get your family involved! Have a meeting to discuss everyone’s ideas and commitments.
- Use a blank calendar to map out all your plans and avoid overbooking.
- Setting Realistic Expectations:
- You only get so many summers, especially with your kids at home. Make each one count!
- Consider a mix of paid and free activities to balance the budget.
- Budgeting Tips:
- Look at your overall budget to see what you can afford. Prioritize based on what matters most to your family.
- Involve your kids in the budgeting process. Give them a set amount and let them choose how to spend it.
- Free and Low-Cost Activities:
- Check out community events, library programs, and local parks.
- Utilize memberships, like YMCA or museum passes, to save money while keeping kids entertained.
- Paid Activities Worth Budgeting For:
- Summer camps: Factor in all costs, including registration, equipment, and extras.
- Vacations: Plan for travel, lodging, food, and activities. Use our vacation tracker to help budget!
- Teaching Financial Literacy:
- Encourage your kids to earn money for additional activities through chores or small jobs.
- Teach them to make choices based on available funds, fostering responsible financial habits.

Final Thoughts:

Plan your summer with intention and keep your family's goals and values in mind. Make sure to schedule your vacations first and fit other activities around them. Explore free community events and communicate positively about financial decisions to foster a healthy money mindset in your kids.

4 Ways To Connect With Us:

1️⃣ FREE CALL: Book your FREE 20-Minute Financial Coaching Call now! Get personalized advice and start your financial journey ➡︎ https://www.budgetbesties.com/freecall

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

3️⃣ BUDGET: Grab our Signature Budget Template! It's your key to organizing and optimizing your finances effectively ➡︎ https://budgetbesties.com/budget

4️⃣ COACHING: Ready to dive deep into your finances? Sign up for 1-on-1 or Group Financial Coaching. It’s the accountability and guidance you need to make real progress ➡︎ https://budgetbesties.com/coaching

"I love Shana & Vanessa and this podcast is amazing!" < If that sounds like you, please consider rating and reviewing our show! It helps us to reach more people – just like you – to help them change their financial future. Don’t forget to follow the show so you don’t miss any episodes! And, if you’re feeling really generous, we’d be SO honored if you would share this podcast with someone.

Click here to view our privacy policy.

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Hey Budget Besties! In this episode, we’re sharing some real-life nuggets from our group coaching sessions. May was a long month for budgets, and we’re here to help you navigate all the challenges it brings. From unexpected grocery bills to handling extra paychecks, we’ve got tips to keep you on track. Plus, hear how to manage those pesky annual bills and the importance of replenishing your emergency fund quickly. Join us as we dive into your burning questions and tackle budget dilemmas together!

May Budgeting Tips:

May feels like December with all the extra expenses like Mother’s Day, graduations, and end-of-year parties.
Plan ahead for these events to avoid budget surprises.

Handling Extra Paychecks:

When you receive an extra paycheck, focus on your primary financial goals.
Consider applying it to large upcoming expenses like college tuition or insurance premiums.

Emergency Fund Replenishment:

Always prioritize replenishing your emergency fund after using it.
Think of it as storm mode – stop everything else until your emergency fund is back in place.

Automating Payments:

Set up automatic payments for regular expenses, even if they’re going to a person, like paying a family member for childcare.
Use your bank’s bill pay feature to streamline this process.

Budgeting for Annual Bills:

Save monthly for annual or bi-annual bills to avoid large, unexpected expenses.
Label savings accounts specifically for these purposes to stay organized.

4 Ways To Connect With Us:

1️⃣ FREE CALL: Book your FREE 20-Minute Financial Coaching Call now! Get personalized advice and start your financial journey ➡︎ https://www.budgetbesties.com/freecall

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

3️⃣ BUDGET: Grab our Signature Budget Template! It's your key to organizing and optimizing your finances effectively ➡︎ https://budgetbesties.com/budget

4️⃣ COACHING: Ready to dive deep into your finances? Sign up for 1-on-1 or Group Financial Coaching. It’s the accountability and guidance you need to make real progress ➡︎ https://budgetbesties.com/coaching

"I love Shana & Vanessa and this podcast is amazing!" < If that sounds like you, please consider rating and reviewing our show! It helps us to reach more people – just like you – to help them change their financial future. Don’t forget to follow the show so you don’t miss any episodes! And, if you’re feeling really generous, we’d be SO honored if you would share this podcast with someone.

Click here to view our privacy policy.

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Hey, budget besties! In this episode, we're diving into the essential first step of budgeting: rediscovering your financial dreams and figuring out your "why." We share heartwarming stories, practical steps, and motivational tips to help you envision a future that excites you. Let’s get back to dreaming big and setting the stage for financial success!

Key Takeaways:

Start with Your Why:
- Reflect on your financial goals and what you want for your future.
- Keeping your "why" in front of you helps stay motivated.
- Visioning Exercise:
- Take time to dream again. Think about what you want for yourself and your family.
- Use a long-term perspective to set exciting goals.
- Practical Steps:
- Write down your goals for one year, five years, and retirement.
- Break down what you want to accomplish in each timeframe.
- Keep your goals visible to stay focused.
- Real-Life Inspiration:
- Hear about Luke and Tina's journey from living in an RV to setting clear financial goals.
- We share our personal stories of planning for future trips and retirement.
- Integrating Dreams with Budgeting:
- Ensure your daily budget aligns with your long-term goals.
- Use budgeting as a tool to achieve your dreams, not just a chore.

Memorable Quotes:

"You have to know your why. If you don't have an end goal, you don't show up for it well."
"Take a step back and think about what are we excited about? What do we want?"
"Dream again. You used to be so young and excited with big goals. We want that for you still."

Action Steps:

Vision Board: Create a vision board or write down your financial dreams. Include short-term and long-term goals.
Daily Reminders: Place reminders of your goals where you'll see them often—your bathroom mirror, car, or workspace.
Budget Alignment: Review your budget to ensure it supports your goals. Make adjustments as needed to stay on track.

4 Ways To Connect With Us:

1️⃣ FREE CALL: Book your FREE 20-Minute Financial Coaching Call now! Get personalized advice and start your financial journey ➡︎ https://www.budgetbesties.com/freecall

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

3️⃣ BUDGET: Grab our Signature Budget Template! It's your key to organizing and optimizing your finances effectively ➡︎ https://budgetbesties.com/budget

4️⃣ COACHING: Ready to dive deep into your finances? Sign up for 1-on-1 or Group Financial Coaching. It’s the accountability and guidance you need to make real progress ➡︎ https://budgetbesties.com/coaching

"I love Shana & Vanessa and this podcast is amazing!" < If that sounds like you, please consider rating and reviewing our show! It helps us to reach more people – just like you – to help them change their financial future. Don’t forget to follow the show so you don’t miss any episodes! And, if you’re feeling really generous, we’d be SO honored if you would share this podcast with someone.

Click here to view our privacy policy.

This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase!

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

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

Episode Highlights:

Client Success Stories:
- Our clients kicked off the year with ambitious goals and have already paid off their credit card debt. 🎉
- They've set a clear plan: prioritize student loans, pay off braces, build an emergency fund, and tackle vehicle and home expenses.
- Tackling Multiple Financial Goals:
- Balancing paying off student loans while saving for other essentials.
- Prioritizing a fully funded emergency fund before addressing less urgent debts like vehicle loans.
- Budgeting for Everyday Expenses:
- Simplifying finances by creating separate accounts for different spending categories, like dining out.
- Emphasizing the importance of planning and tracking spending to avoid financial stress.
- Personalized Coaching Insights:
- Discussing strategies to avoid common budgeting pitfalls, such as consolidating all spending into one account.
- Encouraging clients to take ownership of their financial plans and celebrate small victories.
- Importance of Staying Ahead on Taxes:
- Advising business owners to stay current with their taxes to avoid future financial stress.
- Highlighting the benefits of setting aside a percentage of income for taxes to stay ahead.

Key Takeaways:

Set Clear Priorities: Define what needs to be tackled first, from paying off high-interest debts to saving for emergencies.
Stick to the Plan: Resist the urge to deviate from your financial plan, even when unexpected expenses arise.
Simplify and Track Spending: Use multiple accounts for different spending categories to stay organized and avoid overspending.
Stay Ahead on Taxes: For business owners, staying current on taxes can prevent significant financial headaches down the line.

4 Ways To Connect With Us:

1️⃣ FREE CALL: Book your FREE 20-Minute Financial Coaching Call now! Get personalized advice and start your financial journey ➡︎ https://www.budgetbesties.com/freecall

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

3️⃣ BUDGET: Grab our Signature Budget Template! It's your key to organizing and optimizing your finances effectively ➡︎ https://budgetbesties.com/budget

4️⃣ COACHING: Ready to dive deep into your finances? Sign up for 1-on-1 or Group Financial Coaching. It’s the accountability and guidance you need to make real progress ➡︎ https://budgetbesties.com/coaching

"I love Shana & Vanessa and this podcast is amazing!" < If that sounds like you, please consider rating and reviewing our show! It helps us to reach more people – just like you – to help them change their financial future. Don’t forget to follow the show so you don’t miss any episodes! And, if you’re feeling really generous, we’d be SO honored if you would share this podcast with someone.

Click here to view our privacy policy.

This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase!

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

In This Episode:

Made of Money? - We kick off the episode with a fun reminder that no, moms are not made of money! We discuss the reality of budgeting for big-ticket items like cheer competitions and why starting a savings bucket for such activities can be a game-changer.
Budgeting Basics for Moms: - The second half of our show focuses on the typical budget challenges moms face, from clothing costs for growing kids to managing the household budget. We share tips on how to determine what your kids really need versus what they want, ensuring your purchases are necessary and within budget.
Dealing with Unexpected Costs: - Unexpected school and sports expenses can throw a wrench in your budget, but we talk about how anticipating these costs can prevent financial surprises. Learn how to set up savings buckets for different categories and start saving incrementally to cover these inevitable expenses.
The Sports Dilemma: - We tackle a common dilemma for many parents: the cost versus benefits of enrolling kids in sports. While keeping them busy is important, we discuss the value of free time and creativity, and how not being busy all the time can be beneficial for kids’ development.

Key Takeaways:

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

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

4 Ways To Connect With Us:

1️⃣ FREE CALL: Book your FREE 20-Minute Financial Coaching Call now! Get personalized advice and start your financial journey ➡︎ https://www.budgetbesties.com/freecall

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

3️⃣ BUDGET: Grab our Signature Budget Template! It's your key to organizing and optimizing your finances effectively ➡︎ https://budgetbesties.com/budget

4️⃣ COACHING: Ready to dive deep into your finances? Sign up for 1-on-1 or Group Financial Coaching. It’s the accountability and guidance you need to make real progress ➡︎ https://budgetbesties.com/coaching

"I love Shana & Vanessa and this podcast is amazing!" < If that sounds like you, please consider rating and reviewing our show! It helps us to reach more people – just like you – to help them change their financial future. Don’t forget to follow the show so you don’t miss any episodes! And, if you’re feeling really generous, we’d be SO honored if you would share this podcast with someone.

Click here to view our privacy policy.

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

📍 Today’s Highlights:

Post-Game Treats: We chat about those spontaneous celebrations like ice cream after a win. Instead of letting these sweet surprises blow your budget, we explore setting aside a fun fund—maybe a cash envelope in your purse. Let's make budgeting a game and teach the kids about spending limits.
Dealing With Unexpected Expenses: We've all been there—suddenly, the soccer shoes don't fit, or there's a school trip fee due tomorrow. Instead of getting frustrated, we talk about tracking these expenses to better prepare next year. Remember, 'unexpected' is just another word for 'not yet budgeted.'
Conversations with Kids: We discuss the power of including your children in budget discussions. It's not about saying "no," but about choosing what to prioritize—be it saving for a vacation or managing day-to-day expenses. This approach helps kids understand budgeting isn’t just a necessity but a way to control their financial future.
Single Moms & Budgeting: Special shoutout to the single moms out there making it work. We delve into how transparency about finances can be a powerful teaching moment for teenagers heading to college.
Budgeting for Extracurriculars: Whether it’s sports or dance classes, extracurriculars can take a significant slice of the budget pie. We share strategies on how to handle these costs without compromising your financial health.

📍 Tip of the Day:Remember, every budget decision is a chance to teach valuable financial lessons. Whether it's deciding against a spontaneous purchase or planning for future expenses, each choice builds towards a financially literate family.

📍 Budget Bestie Reminder:Check out our signature budget template at budgetbesties.com/budget. It’s designed to simplify your financial life and is packed with walkthrough videos and special training to get you and your family on the path to financial empowerment.

💬 We’d Love to Hear from You:Got a budgeting tip or a story you’d like to share? Drop us a line or comment on our social channels. How do you involve your family in budgeting decisions? Let's keep this conversation going and help each other navigate the financial maze of motherhood!

Until next time, keep those budgets balanced and those dreams within reach, 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.budgetbesties.com/freecall

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

3️⃣ BUDGET: Grab our Signature Budget Template! It's your key to organizing and optimizing your finances effectively ➡︎ https://budgetbesties.com/budget

4️⃣ COACHING: Ready to dive deep into your finances? Sign up for 1-on-1 or Group Financial Coaching. It’s the accountability and guidance you need to make real progress ➡︎ https://budgetbesties.com/coaching

"I love Shana & Vanessa and this podcast is amazing!" < If that sounds like you, please consider rating and reviewing our show! It helps us to reach more people – just like you – to help them change their financial future. Don’t forget to follow the show so you don’t miss any episodes! And, if you’re feeling really generous, we’d be SO honored if you would share this podcast with someone.

Click here to view our privacy policy.

This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase!

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

What You'll Learn:

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

Key Takeaways:

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

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

4 Ways To Connect With Us:

1️⃣ FREE CALL: Book your FREE 20-Minute Financial Coaching Call now! Get personalized advice and start your financial journey ➡︎ https://www.budgetbesties.com/freecall

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

3️⃣ BUDGET: Grab our Signature Budget Template! It's your key to organizing and optimizing your finances effectively ➡︎ https://budgetbesties.com/budget

4️⃣ COACHING: Ready to dive deep into your finances? Sign up for 1-on-1 or Group Financial Coaching. It’s the accountability and guidance you need to make real progress ➡︎ https://budgetbesties.com/coaching

"I love Shana & Vanessa and this podcast is amazing!" < If that sounds like you, please consider rating and reviewing our show! It helps us to reach more people – just like you – to help them change their financial future. Don’t forget to follow the show so you don’t miss any episodes! And, if you’re feeling really generous, we’d be SO honored if you would share this podcast with someone.

Click here to view our privacy policy.

This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase!

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

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

What We're Diving Into:

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

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

4 Ways To Connect With Us:

1️⃣ FREE CALL: Book your FREE 20-Minute Financial Coaching Call now! Get personalized advice and start your financial journey ➡︎ https://www.budgetbesties.com/freecall

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

3️⃣ BUDGET: Grab our Signature Budget Template! It's your key to organizing and optimizing your finances effectively ➡︎ https://budgetbesties.com/budget

4️⃣ COACHING: Ready to dive deep into your finances? Sign up for 1-on-1 or Group Financial Coaching. It’s the accountability and guidance you need to make real progress ➡︎ https://budgetbesties.com/coaching

"I love Shana & Vanessa and this podcast is amazing!" < If that sounds like you, please consider rating and reviewing our show! It helps us to reach more people – just like you – to help them change their financial future. Don’t forget to follow the show so you don’t miss any episodes! And, if you’re feeling really generous, we’d be SO honored if you would share this podcast with someone.

Click here to view our privacy policy.

This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase!

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Snag Our Signature Budget Template!

Today, dive deep into the essential question many of us face: "Am I really ready to start budgeting?" We explore the difference between those who find success in budgeting and those who stumble, discussing the pivotal role of mindset and preparation. If you've tried budgeting before and felt it wasn't for you, this discussion might shed some light on why and how you can prepare to succeed.

Key Points Discussed:

Understanding Readiness: Many individuals express a desire to budget but struggle due to a lack of readiness. This readiness isn't just about having a plan, but also about having the right mindset to stick to it. We compare this to preparing for a marathon: without the right training and mindset, success is unlikely.
Common Pitfalls in Budgeting: We discuss real-life examples where people had the tools and resources to budget but ultimately failed due to premature decisions or not being mentally prepared. These stories highlight the importance of recognizing when you're genuinely ready to commit to budgeting.
Mindset Over Mechanics: Often, the challenge isn't in the numbers but in the mindset. We talk about the psychological aspects of budgeting, such as overcoming the urge to spend unexpectedly due to old habits or emotional triggers.
Strategies for Success: Practical advice on how to gradually prepare for successful budgeting, including setting realistic goals, understanding the importance of small steps, and learning from past mistakes without self-judgment.
Motivational Insights: Inspirational anecdotes and quotes from those who have successfully transformed their financial habits, emphasizing the power of persistence and the right mindset.

Conclusion:Budgeting isn't just about managing money; it's about managing your mindset and expectations. Whether you're overcoming financial challenges or seeking to improve your financial health, this episode provides valuable insights into making lasting changes. Are you ready to assess your readiness and take the plunge into effective budgeting? Join us to find out how to align your goals with your actions for financial success.

4 Ways To Connect With Us:

1️⃣ FREE CALL: Book your FREE 20-Minute Financial Coaching Call now! Get personalized advice and start your financial journey ➡︎ https://www.budgetbesties.com/freecall

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

3️⃣ BUDGET: Grab our Signature Budget Template! It's your key to organizing and optimizing your finances effectively ➡︎ https://budgetbesties.com/budget

4️⃣ COACHING: Ready to dive deep into your finances? Sign up for 1-on-1 or Group Financial Coaching. It’s the accountability and guidance you need to make real progress ➡︎ https://budgetbesties.com/coaching

"I love Shana & Vanessa and this podcast is amazing!" < If that sounds like you, please consider rating and reviewing our show! It helps us to reach more people – just like you – to help them change their financial future. Don’t forget to follow the show so you don’t miss any episodes! And, if you’re feeling really generous, we’d be SO honored if you would share this podcast with someone.

Click here to view our privacy policy.

This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase!

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

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Snag Our Signature Budget Template!Join us for a chat with Holly Logan from the "Lead with Empathy Podcast" as we delve into combining financial management with lasting generational wealth. Holly, a family nurse practitioner turned influential podcaster, shares her personal and professional experiences, focusing on how finance intersects with overall wellness.

Key Highlights:

Holly's Financial Journey: Holly recounts her move from healthcare to managing her husband's dental business, emphasizing the importance of financial knowledge in her life.
Generational Wealth and Health: Holly introduces the concept of "generational health," discussing how financial decisions impact overall family well-being and future generations.
Debt Management Insights: Learn practical strategies for managing and overcoming significant debt through personal stories and expert advice shared by Holly and the hosts.
Empowering Financial Decisions: Discover how to handle financial challenges without missing out on life's joys, such as family vacations and hobbies.
Education and Career Choices: The conversation also covers the importance of choosing educational paths and careers that align with financial goals and aspirations.

This episode offers valuable knowledge for anyone looking to improve their financial skills while balancing life's other responsibilities. Whether you're beginning to save or are an experienced investor, Holly's tips on budgeting, debt management, and investing are practical and applicable to various financial situations.

Where to Find Holly:

Instagram: @HollyLogan_health
Website: hollyloganhealth.com
Podcast: "Lead with Empathy"

Tune in to get practical advice on building a sound financial future that benefits you and your family for generations to come.

Where to Find Holly:

Instagram: @HollyLogan_health
Website: hollyloganhealth.com
Podcast: Lead with Empathy

Tune in to gain a fresh perspective on creating a sound financial future that spans generations, ensuring that both your wealth and health are preserved for your family and beyond.

4 Ways To Connect With Us:

1️⃣ FREE CALL: Book your FREE 20-Minute Financial Coaching Call now! Get personalized advice and start your financial journey ➡︎ https://www.budgetbesties.com/freecall

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

3️⃣ BUDGET: Grab our Signature Budget Template! It's your key to organizing and optimizing your finances effectively ➡︎ https://budgetbesties.com/budget

4️⃣ COACHING: Ready to dive deep into your finances? Sign up for 1-on-1 or Group Financial Coaching. It’s the accountability and guidance you need to make real progress ➡︎ https://budgetbesties.com/coaching

"I love Shana & Vanessa and this podcast is amazing!" < If that sounds like you, please consider rating and reviewing our show! It helps us to reach more people – just like you – to help them change their financial future. Don’t forget to follow the show so you don’t miss any episodes! And, if you’re feeling really generous, we’d be SO honored if you would share this podcast with someone.

Click here to view our privacy policy.

This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase!

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

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Today, we dive into the nitty-gritty of budgeting with a twist—real client stories and personalized strategies that make all the difference! Ready to tackle your finances with some expert advice? Let's jump in.

Here's What You're In For:

Demystifying the Budgeting Process: Ever feel like budgeting is just a series of endless tweaks? Well, you're not alone. We're breaking down the iterative nature of budgeting—why it's more about being adaptable than perfect from the get-go. We'll also tackle those myths about setting up a budget. Spoiler alert: it's not an overnight thing!
Making It Personal: No two financial journeys are the same, which is why a cookie-cutter budget just doesn’t cut it. We're sharing how different folks have successfully personalized their financial plans. It’s about crafting a budget that mirrors your life, not someone else’s!
View Budgeting as an Investment: Think of budgeting less like a chore and more like investing in your future. We’ll explore how adjusting your budget isn't just fixing mistakes—it's setting up for future wins, both mentally and financially.
Real Stories, Real Adjustments: Get ready for some incredible stories about how our clients tweaked their budgets after a real look at their spending. Plus, tips on how to handle those unexpected financial decisions (like that spontaneous tax return splurge).
Business Meets Personal Finance: For the entrepreneurs out there, we haven’t forgotten you. Learn how to keep your business and personal finances thriving with clear boundaries and targeted goals. It's all about balance and foresight.

Why This Episode Is a Must-Listen:

Join us as we equip you with the tools and confidence to craft a budget that works for you. We’ve packed this episode with stories from clients just like you, who have transformed their approach to budgeting and seen their financial stability soar. It’s all about making a budget that not only works but also empowers you.

Get in Touch:

Got a burning question or a budgeting victory to share? We’d love to hear from you! Email us at hello@budgetbesties.com, or just drop us a line to join our community of savvy budgeters aiming for a stronger financial future.

Catch you in the episode, where we make finance fun and functional!

4 Ways To Connect With Us:

1️⃣ FREE CALL: Book your FREE 20-Minute Financial Coaching Call now! Get personalized advice and start your financial journey ➡︎ https://www.budgetbesties.com/freecall

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

3️⃣ BUDGET: Grab our Signature Budget Template! It's your key to organizing and optimizing your finances effectively ➡︎ https://budgetbesties.com/budget

4️⃣ COACHING: Ready to dive deep into your finances? Sign up for 1-on-1 or Group Financial Coaching. It’s the accountability and guidance you need to make real progress ➡︎ https://budgetbesties.com/coaching

"I love Shana & Vanessa and this podcast is amazing!" < If that sounds like you, please consider rating and reviewing our show! It helps us to reach more people – just like you – to help them change their financial future. Don’t forget to follow the show so you don’t miss any episodes! And, if you’re feeling really generous, we’d be SO honored if you would share this podcast with someone.

Click here to view our privacy policy.

This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase!

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Snag Our Signature Budget Template!In this episode, we delve into a common financial conundrum: earning a good income but living paycheck to paycheck. We explore the reasons behind this frustrating experience and offer practical solutions to help you manage your finances more effectively. Whether you're swiping your card too often or lacking financial goals, this episode is your guide to breaking free from the paycheck-to-paycheck cycle.

The Illusion of Financial Stability: Many individuals who earn a respectable income still find themselves struggling financially each month. We discuss how this situation arises and the psychological and practical factors that contribute to it.
Lack of Financial Systems: Discover the importance of having a structured financial system. Just like organizing your laundry or your meal prep needs a plan, your finances require a system to ensure money isn’t just slipping through the cracks.
Tracking Spending: We tackle the issue of unmonitored expenses and highlight the impact of 'invisible' spending, such as frequent dining out or online shopping, on your budget.
Setting Financial Goals: Learn how to set meaningful financial goals that excite you. We emphasize the importance of vision in financial planning and how it can help align your spending habits with your long-term aspirations.
Financial Solutions: From conducting a 90-day review of your bank statements to separating accounts for bills and savings, we provide actionable strategies that can transform your financial landscape.
Implementing a Robust Financial System: We discuss how separating transactions into different accounts can aid in better financial organization and clarity.
Regular Financial Reviews: Highlight the benefits of regular reviews of your spending and adjusting your habits accordingly.
Goal-Oriented Saving: Encourage listeners to name their savings accounts after specific goals to visually and mentally connect savings to their future plans.

If you're tired of financial stress and ready to take control of your money, this episode is packed with advice and systems that can pave the way to financial freedom. Learn to save with purpose, spend wisely, and create a financial plan that truly reflects your goals and dreams.

This episode is not just about managing money; it’s about transforming your financial mindset and habits to create a life of abundance and fulfillment. Tune in to start your journey towards effective financial management and to stop living just a paycheck away from stress.

Catch all the insights and more on managing your finances effectively by tuning into this episode. Whether you're looking to refine your budgeting skills or set exciting new financial goals, we have the guidance you need to enhance 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.budgetbesties.com/freecall

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

3️⃣ BUDGET: Grab our Signature Budget Template! It's your key to organizing and optimizing your finances effectively ➡︎ https://budgetbesties.com/budget

4️⃣ COACHING: Ready to dive deep into your finances? Sign up for 1-on-1 or Group Financial Coaching. It’s the accountability and guidance you need to make real progress ➡︎ https://budgetbesties.com/coaching

"I love Shana & Vanessa and this podcast is amazing!" < If that sounds like you, please consider rating and reviewing our show! It helps us to reach more people – just like you – to help them change their financial future. Don’t forget to follow the show so you don’t miss any episodes! And, if you’re feeling really generous, we’d be SO honored if you would share this podcast with someone.

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

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Snag Our Signature Budget Template!⁠

Today, we explore the real challenges and strategic solutions that can help individuals and families not just survive, but thrive financially, regardless of how or when the money comes in.

Key Highlights:

Understanding Unpredictable Income: We start off by discussing the various types of income schedules people face, from daily wages to monthly salaries, and how each can significantly affect financial planning and stability.
Personal Finance Struggles: Our guest shares her lifelong journey of financial independence, starting from her early twenties when she first managed her own finances, to now at 44, with a family and children, realizing the need to get a serious grip on her financial situation.
Family and Finances: Hear how raising four children and managing a household has brought both joy and financial strain. Our guest discusses the challenges of high income coupled with high expenses, and how family dynamics, like supporting sports and extracurricular activities, play a massive role in financial planning.
The Emotional Aspect of Money Management: It’s not just about numbers; it’s about feelings too. Our discussion touches on the emotional weight of owing money, the stress of unexpected expenses, and the desire to provide for children without compromising financial health.
Practical Steps Towards Financial Stability: We wrap up with actionable advice on how to tackle these challenges. This includes setting up dedicated accounts for bills, implementing spending freezes, and the importance of transparent family discussions about finances.

Join us as we unpack these insights with real-life stories and expert advice, ensuring you come away equipped to handle whatever your financial situation may throw at you. Whether you're dealing with fluctuating paychecks or just looking to refine your budgeting skills, this episode is a must-listen!

4 Ways To Connect With Us:

1️⃣ FREE CALL: Book your FREE 20-Minute Financial Coaching Call now! Get personalized advice and start your financial journey ➡︎ https://www.budgetbesties.com/freecall

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

3️⃣ BUDGET: Grab our Signature Budget Template! It's your key to organizing and optimizing your finances effectively ➡︎ https://budgetbesties.com/budget

4️⃣ COACHING: Ready to dive deep into your finances? Sign up for 1-on-1 or Group Financial Coaching. It’s the accountability and guidance you need to make real progress ➡︎ https://budgetbesties.com/coaching

"I love Shana & Vanessa and this podcast is amazing!" < If that sounds like you, please consider rating and reviewing our show! It helps us to reach more people – just like you – to help them change their financial future. Don’t forget to follow the show so you don’t miss any episodes! And, if you’re feeling really generous, we’d be SO honored if you would share this podcast with someone.

Click here to view our privacy policy.

This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase!

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

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Today, we're diving into the essentials of setting up your budget for May. Whether you're a seasoned budgeter or just starting out, we’ve got tips and strategies to help you navigate the often tricky financial landscape of May, with its early paychecks and extra expenses. Plus, we're offering a free, downloadable budget template to make your planning easier.

Early Budget Preparation: Understand why getting a jump on May’s budget is crucial, especially with the unique timing of April paychecks that affect the next month's budget.
Wrapping Up April: We discuss the importance of reconciling your April expenditures with your budget to ensure accuracy moving forward.
Income and Expenses: Learn how to effectively list all sources of income and categorize your expenses, including debts and discretionary spending.
Savings Strategies: Discover how to start and manage savings buckets for emergencies, annual bills, and more to better prepare for large expenses down the line.
Making Adjustments: Tips on adjusting your budget based on actual spending to better align with your financial goals.
Special Occasions: Guidance on budgeting for May’s unique expenses like proms, graduations, Mother’s Day, and Memorial Day.
Budget Template: Utilize our one-page budget template to simplify the process of organizing your finances. Available for download at Budget Besties.
Systematizing Savings: How creating savings buckets now can alleviate stress from big, unexpected expenses later.
Smart Spending: Insights on how to prioritize necessary expenses over wants, and how to stretch your discretionary spending.
Real-Life Scenarios: From managing graduation expenses to preparing for holiday spending, learn how to tackle specific financial situations you may face in May.

Budgeting isn’t just about numbers; it’s about setting yourself up for financial peace and success. Tune in, get practical advice, and start making smart financial decisions 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.budgetbesties.com/freecall

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

3️⃣ BUDGET: Grab our Signature Budget Template! It's your key to organizing and optimizing your finances effectively ➡︎ https://budgetbesties.com/budget

4️⃣ COACHING: Ready to dive deep into your finances? Sign up for 1-on-1 or Group Financial Coaching. It’s the accountability and guidance you need to make real progress ➡︎ https://budgetbesties.com/coaching

"I love Shana & Vanessa and this podcast is amazing!" < If that sounds like you, please consider rating and reviewing our show! It helps us to reach more people – just like you – to help them change their financial future. Don’t forget to follow the show so you don’t miss any episodes! And, if you’re feeling really generous, we’d be SO honored if you would share this podcast with someone.

Click here to view our privacy policy.

This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase!

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

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⁠Snag Our Signature Budget Template!⁠

Ever wonder why you think about money the way you do? Tune in as we dive into the world of "money baggage"—those deep-rooted beliefs and habits about money picked up from childhood that sneakily guide how you handle finances today.

Key Highlights:

What is Money Baggage? It’s all those notions and habits about money you picked up while growing up, like thinking money is always scarce or that saving is the only way to be secure. These can shape your financial decisions in ways you might not even realize!
Couples and Cash: Hear how different money backgrounds can make waves in relationships. We share insights on why it’s crucial for partners to unpack each other's financial histories to build a stronger, more understanding bond.
Changing the Financial Game: Learn through stories from real-life coaching sessions how recognizing your financial past can change your financial future. It’s all about transforming those old money beliefs to make way for healthier financial habits.
Empowerment Through Awareness: Awareness is your new best friend! The episode highlights how understanding your own money story can empower you to rewrite it. Get ready to tackle those inherited money views and set yourself up for a financially savvy future.

Get inspired to shake off those old money misconceptions and step into a brighter, more financially aware tomorrow! Join the conversation and start changing how you view and use money in your life.

--4 Ways To Connect With Us:

1️⃣ FREE CALL: Book your FREE 20-Minute Financial Coaching Call now! Get personalized advice and start your financial journey ➡︎ https://www.budgetbesties.com/freecall

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

3️⃣ BUDGET: Grab our Signature Budget Template! It's your key to organizing and optimizing your finances effectively ➡︎ https://budgetbesties.com/budget

4️⃣ COACHING: Ready to dive deep into your finances? Sign up for 1-on-1 or Group Financial Coaching. It’s the accountability and guidance you need to make real progress ➡︎ https://budgetbesties.com/coaching

"I love Shana & Vanessa and this podcast is amazing!" < If that sounds like you, please consider rating and reviewing our show! It helps us to reach more people – just like you – to help them change their financial future. Don’t forget to follow the show so you don’t miss any episodes! And, if you’re feeling really generous, we’d be SO honored if you would share this podcast with someone.

Click here to view our privacy policy.

This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase!

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

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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.budgetbesties.com/freecall

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

3️⃣ BUDGET: Grab our Signature Budget Template! It's your key to organizing and optimizing your finances effectively ➡︎ https://budgetbesties.com/budget

4️⃣ COACHING: Ready to dive deep into your finances? Sign up for 1-on-1 or Group Financial Coaching. It’s the accountability and guidance you need to make real progress ➡︎ https://budgetbesties.com/coaching

"I love Shana & Vanessa and this podcast is amazing!" < If that sounds like you, please consider rating and reviewing our show! It helps us to reach more people – just like you – to help them change their financial future. Don’t forget to follow the show so you don’t miss any episodes! And, if you’re feeling really generous, we’d be SO honored if you would share this podcast with someone.

Click here to view our privacy policy.

This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase!

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

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Join Our Group Coaching Program Now!

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.budgetbesties.com/freecall

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

3️⃣ BUDGET: Grab our Signature Budget Template! It's your key to organizing and optimizing your finances effectively ➡︎ https://budgetbesties.com/budget

4️⃣ COACHING: Ready to dive deep into your finances? Sign up for 1-on-1 or Group Financial Coaching. It’s the accountability and guidance you need to make real progress ➡︎ https://budgetbesties.com/coaching

"I love Shana & Vanessa and this podcast is amazing!" < If that sounds like you, please consider rating and reviewing our show! It helps us to reach more people – just like you – to help them change their financial future. Don’t forget to follow the show so you don’t miss any episodes! And, if you’re feeling really generous, we’d be SO honored if you would share this podcast with someone.

Click here to view our privacy policy.

This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase!

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

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Start planning your next adventure with our free travel budget planner available at ⁠budgetbesties.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.

Planning Ahead: The importance of deciding on the 'when' and 'where' early in the year, allowing for detailed budgeting and saving for the trip.
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.
Accommodation Costs: How to estimate and budget for different types of lodging and potential additional fees (e.g., for parking or amenities).
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.
Extra Expenses: Insight into budgeting for activities, shopping, and souvenirs, highlighting the necessity to anticipate and plan for these expenditures to avoid financial surprises.
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.
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 ⁠budgetbesties.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.

4 Ways To Connect With Us:

1️⃣ FREE CALL: Book your FREE 20-Minute Financial Coaching Call now! Get personalized advice and start your financial journey ➡︎ https://www.budgetbesties.com/freecall

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

3️⃣ BUDGET: Grab our Signature Budget Template! It's your key to organizing and optimizing your finances effectively ➡︎ https://budgetbesties.com/budget

4️⃣ COACHING: Ready to dive deep into your finances? Sign up for 1-on-1 or Group Financial Coaching. It’s the accountability and guidance you need to make real progress ➡︎ https://budgetbesties.com/coaching

"I love Shana & Vanessa and this podcast is amazing!" < If that sounds like you, please consider rating and reviewing our show! It helps us to reach more people – just like you – to help them change their financial future. Don’t forget to follow the show so you don’t miss any episodes! And, if you’re feeling really generous, we’d be SO honored if you would share this podcast with someone.

Click here to view our privacy policy.

This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase!

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

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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.

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.
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.
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.
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.
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.
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.budgetbesties.com/freecall

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

3️⃣ BUDGET: Grab our Signature Budget Template! It's your key to organizing and optimizing your finances effectively ➡︎ https://budgetbesties.com/budget

4️⃣ COACHING: Ready to dive deep into your finances? Sign up for 1-on-1 or Group Financial Coaching. It’s the accountability and guidance you need to make real progress ➡︎ https://budgetbesties.com/coaching

"I love Shana & Vanessa and this podcast is amazing!" < If that sounds like you, please consider rating and reviewing our show! It helps us to reach more people – just like you – to help them change their financial future. Don’t forget to follow the show so you don’t miss any episodes! And, if you’re feeling really generous, we’d be SO honored if you would share this podcast with someone.

Click here to view our privacy policy.

This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase!

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

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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.budgetbesties.com/freecall

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

3️⃣ BUDGET: Grab our Signature Budget Template! It's your key to organizing and optimizing your finances effectively ➡︎ https://budgetbesties.com/budget

4️⃣ COACHING: Ready to dive deep into your finances? Sign up for 1-on-1 or Group Financial Coaching. It’s the accountability and guidance you need to make real progress ➡︎ https://budgetbesties.com/coaching

"I love Shana & Vanessa and this podcast is amazing!" < If that sounds like you, please consider rating and reviewing our show! It helps us to reach more people – just like you – to help them change their financial future. Don’t forget to follow the show so you don’t miss any episodes! And, if you’re feeling really generous, we’d be SO honored if you would share this podcast with someone.

Click here to view our privacy policy.

This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase!

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

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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.budgetbesties.com/freecall

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

3️⃣ BUDGET: Grab our Signature Budget Template! It's your key to organizing and optimizing your finances effectively ➡︎ https://budgetbesties.com/budget

4️⃣ COACHING: Ready to dive deep into your finances? Sign up for 1-on-1 or Group Financial Coaching. It’s the accountability and guidance you need to make real progress ➡︎ https://budgetbesties.com/coaching

"I love Shana & Vanessa and this podcast is amazing!" < If that sounds like you, please consider rating and reviewing our show! It helps us to reach more people – just like you – to help them change their financial future. Don’t forget to follow the show so you don’t miss any episodes! And, if you’re feeling really generous, we’d be SO honored if you would share this podcast with someone.

Click here to view our privacy policy.

This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase!

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

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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.budgetbesties.com/freecall

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

3️⃣ BUDGET: Grab our Signature Budget Template! It's your key to organizing and optimizing your finances effectively ➡︎ https://budgetbesties.com/budget

4️⃣ COACHING: Ready to dive deep into your finances? Sign up for 1-on-1 or Group Financial Coaching. It’s the accountability and guidance you need to make real progress ➡︎ https://budgetbesties.com/coaching

"I love Shana & Vanessa and this podcast is amazing!" < If that sounds like you, please consider rating and reviewing our show! It helps us to reach more people – just like you – to help them change their financial future. Don’t forget to follow the show so you don’t miss any episodes! And, if you’re feeling really generous, we’d be SO honored if you would share this podcast with someone.

Click here to view our privacy policy.

This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase!

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

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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:

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.

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.

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.

4 Ways To Connect With Us:

1️⃣ FREE CALL: Book your FREE 20-Minute Financial Coaching Call now! Get personalized advice and start your financial journey ➡︎ https://www.budgetbesties.com/freecall

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

3️⃣ BUDGET: Grab our Signature Budget Template! It's your key to organizing and optimizing your finances effectively ➡︎ https://budgetbesties.com/budget

4️⃣ COACHING: Ready to dive deep into your finances? Sign up for 1-on-1 or Group Financial Coaching. It’s the accountability and guidance you need to make real progress ➡︎ https://budgetbesties.com/coaching

"I love Shana & Vanessa and this podcast is amazing!" < If that sounds like you, please consider rating and reviewing our show! It helps us to reach more people – just like you – to help them change their financial future. Don’t forget to follow the show so you don’t miss any episodes! And, if you’re feeling really generous, we’d be SO honored if you would share this podcast with someone.

Click here to view our privacy policy.

This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase!

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

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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.budgetbesties.com/freecall

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

3️⃣ BUDGET: Grab our Signature Budget Template! It's your key to organizing and optimizing your finances effectively ➡︎ https://budgetbesties.com/budget

4️⃣ COACHING: Ready to dive deep into your finances? Sign up for 1-on-1 or Group Financial Coaching. It’s the accountability and guidance you need to make real progress ➡︎ https://budgetbesties.com/coaching

"I love Shana & Vanessa and this podcast is amazing!" < If that sounds like you, please consider rating and reviewing our show! It helps us to reach more people – just like you – to help them change their financial future. Don’t forget to follow the show so you don’t miss any episodes! And, if you’re feeling really generous, we’d be SO honored if you would share this podcast with someone.

Click here to view our privacy policy.

This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase!

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

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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.budgetbesties.com/freecall

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

3️⃣ BUDGET: Grab our Signature Budget Template! It's your key to organizing and optimizing your finances effectively ➡︎ https://budgetbesties.com/budget

4️⃣ COACHING: Ready to dive deep into your finances? Sign up for 1-on-1 or Group Financial Coaching. It’s the accountability and guidance you need to make real progress ➡︎ https://budgetbesties.com/coaching

"I love Shana & Vanessa and this podcast is amazing!" < If that sounds like you, please consider rating and reviewing our show! It helps us to reach more people – just like you – to help them change their financial future. Don’t forget to follow the show so you don’t miss any episodes! And, if you’re feeling really generous, we’d be SO honored if you would share this podcast with someone.

Click here to view our privacy policy.

This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase!

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

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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

4 Ways To Connect With Us:

1️⃣ FREE CALL: Book your FREE 20-Minute Financial Coaching Call now! Get personalized advice and start your financial journey ➡︎ https://www.budgetbesties.com/freecall

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

3️⃣ BUDGET: Grab our Signature Budget Template! It's your key to organizing and optimizing your finances effectively ➡︎ https://budgetbesties.com/budget

4️⃣ COACHING: Ready to dive deep into your finances? Sign up for 1-on-1 or Group Financial Coaching. It’s the accountability and guidance you need to make real progress ➡︎ https://budgetbesties.com/coaching

"I love Shana & Vanessa and this podcast is amazing!" < If that sounds like you, please consider rating and reviewing our show! It helps us to reach more people – just like you – to help them change their financial future. Don’t forget to follow the show so you don’t miss any episodes! And, if you’re feeling really generous, we’d be SO honored if you would share this podcast with someone.

Click here to view our privacy policy.

This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase!

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

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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:

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.
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.
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.
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.
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.
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.
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.budgetbesties.com/freecall

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

3️⃣ BUDGET: Grab our Signature Budget Template! It's your key to organizing and optimizing your finances effectively ➡︎ https://budgetbesties.com/budget

4️⃣ COACHING: Ready to dive deep into your finances? Sign up for 1-on-1 or Group Financial Coaching. It’s the accountability and guidance you need to make real progress ➡︎ https://budgetbesties.com/coaching

"I love Shana & Vanessa and this podcast is amazing!" < If that sounds like you, please consider rating and reviewing our show! It helps us to reach more people – just like you – to help them change their financial future. Don’t forget to follow the show so you don’t miss any episodes! And, if you’re feeling really generous, we’d be SO honored if you would share this podcast with someone.

Click here to view our privacy policy.

This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase!

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

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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.budgetbesties.com/freecall

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

3️⃣ BUDGET: Grab our Signature Budget Template! It's your key to organizing and optimizing your finances effectively ➡︎ https://budgetbesties.com/budget

4️⃣ COACHING: Ready to dive deep into your finances? Sign up for 1-on-1 or Group Financial Coaching. It’s the accountability and guidance you need to make real progress ➡︎ https://budgetbesties.com/coaching

"I love Shana & Vanessa and this podcast is amazing!" < If that sounds like you, please consider rating and reviewing our show! It helps us to reach more people – just like you – to help them change their financial future. Don’t forget to follow the show so you don’t miss any episodes! And, if you’re feeling really generous, we’d be SO honored if you would share this podcast with someone.

Click here to view our privacy policy.

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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.budgetbesties.com/freecall

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

3️⃣ BUDGET: Grab our Signature Budget Template! It's your key to organizing and optimizing your finances effectively ➡︎ https://budgetbesties.com/budget

4️⃣ COACHING: Ready to dive deep into your finances? Sign up for 1-on-1 or Group Financial Coaching. It’s the accountability and guidance you need to make real progress ➡︎ https://budgetbesties.com/coaching

"I love Shana & Vanessa and this podcast is amazing!" < If that sounds like you, please consider rating and reviewing our show! It helps us to reach more people – just like you – to help them change their financial future. Don’t forget to follow the show so you don’t miss any episodes! And, if you’re feeling really generous, we’d be SO honored if you would share this podcast with someone.

Click here to view our privacy policy.

This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase!

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

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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.budgetbesties.com/freecall

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

3️⃣ BUDGET: Grab our Signature Budget Template! It's your key to organizing and optimizing your finances effectively ➡︎ https://budgetbesties.com/budget

4️⃣ COACHING: Ready to dive deep into your finances? Sign up for 1-on-1 or Group Financial Coaching. It’s the accountability and guidance you need to make real progress ➡︎ https://budgetbesties.com/coaching

"I love Shana & Vanessa and this podcast is amazing!" < If that sounds like you, please consider rating and reviewing our show! It helps us to reach more people – just like you – to help them change their financial future. Don’t forget to follow the show so you don’t miss any episodes! And, if you’re feeling really generous, we’d be SO honored if you would share this podcast with someone.

Click here to view our privacy policy.

This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase!

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

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In this heartfelt episode, we welcome Celeste, a guest from Indianapolis, who shares her relatable journey of facing financial challenges head-on. As a mom and HR professional, Celeste opens up about her struggles with debt accumulation, the allure of credit cards, and her pursuit of financial freedom. Our conversation dives deep into practical strategies for breaking the cycle of debt, the importance of mindset shifts, and how intentional budgeting can lead to life-changing results. Join us as we explore the power of self-awareness, disciplined spending, and the collective journey towards financial well-being.

Celeste’s Background: A peek into Celeste's life as a mom, her professional role in human resources, and her courageous move from aspirations of being a California girl back to the Midwest, due to financial practicality.
Finding Connection: How Celeste discovered our podcast while seeking guidance on budgeting and debt management, resonating with our relatable content and approach to financial education
The Debt Dilemma: Celeste’s candid recount of her debt journey, highlighting the pitfalls of credit card consolidation, the unexpected expenses of homeownership, and the reality of managing finances with a growing family.
A Shift in Strategy: Insights into the psychological and practical shifts needed to escape the debt cycle, including the tough realization about credit card dependency and the importance of intentional spending
Practical Financial Steps: Discussion on the significance of separating spending from bills, utilizing multiple bank accounts for clear financial organization, and the concept of “paying yourself first” to ensure expenses are covered without resorting to credit.
Community and Support: The episode emphasizes the importance of not going through financial challenges alone, highlighting stories from both the hosts and Celeste that illustrate common struggles and victories in financial management.
Looking Ahead: Celeste’s vision for the future, including conversations about merging finances with her husband for a united front against debt, and the inspiring possibility of becoming mortgage-free and financially empowered in a few years.Celeste's story is a powerful reminder that financial wellness is within reach with the right mindset, tools, and community support. Her journey from feeling overwhelmed by debt to taking actionable steps towards financial

🌟 4 Fantastic Ways to Connect with Us 🌟

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.budgetbesties.com/freecall

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

3️⃣ BUDGET: Grab our Signature Budget Template! It's your key to organizing and optimizing your finances effectively ➡︎ https://budgetbesties.com/budget

4️⃣ COACHING: Ready to dive deep into your finances? Sign up for 1-on-1 or Group Financial Coaching. It’s the accountability and guidance you need to make real progress ➡︎ https://budgetbesties.com/coaching

"I love Shana & Vanessa and this podcast is amazing!" < If that sounds like you, please consider rating and reviewing our show! It helps us to reach more people – just like you – to help them change their financial future. Don’t forget to follow the show so you don’t miss any episodes! And, if you’re feeling really generous, we’d be SO honored if you would share this podcast with someone.

Click here to view our privacy policy.

This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase!

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

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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.budgetbesties.com/freecall

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

3️⃣ BUDGET: Grab our Signature Budget Template! It's your key to organizing and optimizing your finances effectively ➡︎ https://budgetbesties.com/budget

4️⃣ COACHING: Ready to dive deep into your finances? Sign up for 1-on-1 or Group Financial Coaching. It’s the accountability and guidance you need to make real progress ➡︎ https://budgetbesties.com/coaching

"I love Shana & Vanessa and this podcast is amazing!" < If that sounds like you, please consider rating and reviewing our show! It helps us to reach more people – just like you – to help them change their financial future. Don’t forget to follow the show so you don’t miss any episodes! And, if you’re feeling really generous, we’d be SO honored if you would share this podcast with someone.

Click here to view our privacy policy.

This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase!

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

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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:

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.
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.
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.budgetbesties.com/freecall

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

3️⃣ BUDGET: Grab our Signature Budget Template! It's your key to organizing and optimizing your finances effectively ➡︎ https://budgetbesties.com/budget

4️⃣ COACHING: Ready to dive deep into your finances? Sign up for 1-on-1 or Group Financial Coaching. It’s the accountability and guidance you need to make real progress ➡︎ https://budgetbesties.com/coaching

"I love Shana & Vanessa and this podcast is amazing!" < If that sounds like you, please consider rating and reviewing our show! It helps us to reach more people – just like you – to help them change their financial future. Don’t forget to follow the show so you don’t miss any episodes! And, if you’re feeling really generous, we’d be SO honored if you would share this podcast with someone.

Click here to view our privacy policy.

This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase!

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

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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.budgetbesties.com/freecall

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

3️⃣ BUDGET: Grab our Signature Budget Template! It's your key to organizing and optimizing your finances effectively ➡︎ https://budgetbesties.com/budget

4️⃣ COACHING: Ready to dive deep into your finances? Sign up for 1-on-1 or Group Financial Coaching. It’s the accountability and guidance you need to make real progress ➡︎ https://budgetbesties.com/coaching

"I love Shana & Vanessa and this podcast is amazing!" < If that sounds like you, please consider rating and reviewing our show! It helps us to reach more people – just like you – to help them change their financial future. Don’t forget to follow the show so you don’t miss any episodes! And, if you’re feeling really generous, we’d be SO honored if you would share this podcast with someone.

Click here to view our privacy policy.

This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase!

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

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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:

Make It Automatic: Like your fave coffee machine, setting up your finances to work automatically can make sticking to your budget way easier.
Separate Your Money: Having different pots for bills and spending can clear up a lot of confusion and help you stay in control.
Treat Yourself: Incorporating little rewards along your budgeting journey isn’t just fun – it helps keep you motivated.
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.budgetbesties.com/freecall

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

3️⃣ BUDGET: Grab our Signature Budget Template! It's your key to organizing and optimizing your finances effectively ➡︎ https://budgetbesties.com/budget

4️⃣ COACHING: Ready to dive deep into your finances? Sign up for 1-on-1 or Group Financial Coaching. It’s the accountability and guidance you need to make real progress ➡︎ https://budgetbesties.com/coaching

"I love Shana & Vanessa and this podcast is amazing!" < If that sounds like you, please consider rating and reviewing our show! It helps us to reach more people – just like you – to help them change their financial future. Don’t forget to follow the show so you don’t miss any episodes! And, if you’re feeling really generous, we’d be SO honored if you would share this podcast with someone.

Click here to view our privacy policy.

This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase!

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

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⁠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.budgetbesties.com/freecall

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

3️⃣ BUDGET: Grab our Signature Budget Template! It's your key to organizing and optimizing your finances effectively ➡︎ https://budgetbesties.com/budget

4️⃣ COACHING: Ready to dive deep into your finances? Sign up for 1-on-1 or Group Financial Coaching. It’s the accountability and guidance you need to make real progress ➡︎ https://budgetbesties.com/coaching

"I love Shana & Vanessa and this podcast is amazing!" < If that sounds like you, please consider rating and reviewing our show! It helps us to reach more people – just like you – to help them change their financial future. Don’t forget to follow the show so you don’t miss any episodes! And, if you’re feeling really generous, we’d be SO honored if you would share this podcast with someone.

Click here to view our privacy policy.

This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase!

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

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⁠Snag Our Signature Budget Template!⁠

Today we're making a budget for March! This time, we're not just talking theory; we're bringing you practical insights from a live call that launched our group coaching program. Get ready to dive into everything from grocery bills to savings buckets and investments.

Key Highlights:

The Importance of March Budgeting:
March brings unique financial considerations. It's crucial to plan for income, debts, bills, and unique situations.
We'll tell you how to create your March budget step-by-step.
We discuss the significance of adjusting your budget to accommodate the month's needs, ensuring you're prepared for any changes in expenses.
Live Call Insights:
Our live call was a treasure trove of practical questions and scenarios, ranging from managing grocery and utility bills to the intricacies of creating savings buckets and making smart investments.
The interactive nature of the call provided real-world examples and solutions, making budgeting more relatable and actionable.
Practical Steps for Budget Planning:
Closing out the previous month: A critical step to ensure a clean slate for March.
Setting up a basic budget: Identifying income, debts, bills, and unique monthly expenses.
The role of savings and investments in your budget: Strategies for allocating funds wisely.
Engaging with Your Financial Goals:
We stress the importance of setting clear financial goals for March, whether it's saving for a trip, reducing debt, or planning for large purchases.
The podcast provides actionable steps to achieve these goals, including how to allocate unexpected income like tax refunds or bonuses.

March is more than just another month; it's an opportunity to take control of your financial destiny. With the right planning and a bit of group support, you can navigate the month's financial challenges with confidence. Join us in our group coaching program or dive into our budgeting resources to make this March your most financially savvy month yet.

4 Ways To Connect With Us:

1️⃣ FREE CALL: Book your FREE 20-Minute Financial Coaching Call now! Get personalized advice and start your financial journey ➡︎ https://www.budgetbesties.com/freecall

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

3️⃣ BUDGET: Grab our Signature Budget Template! It's your key to organizing and optimizing your finances effectively ➡︎ https://budgetbesties.com/budget

4️⃣ COACHING: Ready to dive deep into your finances? Sign up for 1-on-1 or Group Financial Coaching. It’s the accountability and guidance you need to make real progress ➡︎ https://budgetbesties.com/coaching

"I love Shana & Vanessa and this podcast is amazing!" < If that sounds like you, please consider rating and reviewing our show! It helps us to reach more people – just like you – to help them change their financial future. Don’t forget to follow the show so you don’t miss any episodes! And, if you’re feeling really generous, we’d be SO honored if you would share this podcast with someone.

Click here to view our privacy policy.

This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase!

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Have you ever felt completely stuck when it comes to budgeting? Like, you know you need a budget, but the numbers in your bank account just don't seem to match up with what's on your spreadsheet? If this sounds familiar, today's episode is going to be a game-changer for you. We're diving into the transformative power of the 90-day review, a crucial first step that sets you up for budgeting success. This isn't just about crunching numbers; it's about understanding your financial habits and setting realistic expectations.

What You'll Learn:

Why most budgets fail and how a 90-day review can change that.
The exact steps to conduct your own 90-day financial review.
How to use the insights from your review to create a budget that actually works.
Exciting details about our new group coaching sessions!

Key Points:

The Struggle with Budgeting:
Discuss common issues people face when starting to budget.
Share personal anecdotes about budgeting mishaps and what they taught us.
The Power of a 90-Day Review:
Explain what a 90-day review is and why it's crucial.
How reviewing three months of spending can provide the clarity needed to set realistic budget goals.
How to Conduct a 90-Day Review:
Step-by-step guidance on collecting and analyzing financial statements.
Tips on categorizing spending to see where your money is actually going.
Setting the Stage for Successful Budgeting:
Use the data from your review to establish a budget that reflects your true spending patterns.
Strategies for adjusting your budget as you gain more discipline and insight into your finances.

If you're tired of budgeting feeling like a guessing game, this episode will equip you with the tools to start with confidence and clarity. Remember, successful budgeting isn't just about restricting spending—it's about making informed decisions that align with your financial 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.budgetbesties.com/freecall

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

3️⃣ BUDGET: Grab our Signature Budget Template! It's your key to organizing and optimizing your finances effectively ➡︎ https://budgetbesties.com/budget

4️⃣ COACHING: Ready to dive deep into your finances? Sign up for 1-on-1 or Group Financial Coaching. It’s the accountability and guidance you need to make real progress ➡︎ https://budgetbesties.com/coaching

"I love Shana & Vanessa and this podcast is amazing!" < If that sounds like you, please consider rating and reviewing our show! It helps us to reach more people – just like you – to help them change their financial future. Don’t forget to follow the show so you don’t miss any episodes! And, if you’re feeling really generous, we’d be SO honored if you would share this podcast with someone.

Click here to view our privacy policy.

This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase!

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

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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.budgetbesties.com/freecall

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

3️⃣ BUDGET: Grab our Signature Budget Template! It's your key to organizing and optimizing your finances effectively ➡︎ https://budgetbesties.com/budget

4️⃣ COACHING: Ready to dive deep into your finances? Sign up for 1-on-1 or Group Financial Coaching. It’s the accountability and guidance you need to make real progress ➡︎ https://budgetbesties.com/coaching

"I love Shana & Vanessa and this podcast is amazing!" < If that sounds like you, please consider rating and reviewing our show! It helps us to reach more people – just like you – to help them change their financial future. Don’t forget to follow the show so you don’t miss any episodes! And, if you’re feeling really generous, we’d be SO honored if you would share this podcast with someone.

Click here to view our privacy policy.

This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase!

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

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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.budgetbesties.com/freecall

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

3️⃣ BUDGET: Grab our Signature Budget Template! It's your key to organizing and optimizing your finances effectively ➡︎ https://budgetbesties.com/budget

4️⃣ COACHING: Ready to dive deep into your finances? Sign up for 1-on-1 or Group Financial Coaching. It’s the accountability and guidance you need to make real progress ➡︎ https://budgetbesties.com/coaching

"I love Shana & Vanessa and this podcast is amazing!" < If that sounds like you, please consider rating and reviewing our show! It helps us to reach more people – just like you – to help them change their financial future. Don’t forget to follow the show so you don’t miss any episodes! And, if you’re feeling really generous, we’d be SO honored if you would share this podcast with someone.

Click here to view our privacy policy.

This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase!

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

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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.budgetbesties.com/freecall

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

3️⃣ BUDGET: Grab our Signature Budget Template! It's your key to organizing and optimizing your finances effectively ➡︎ https://budgetbesties.com/budget

4️⃣ COACHING: Ready to dive deep into your finances? Sign up for 1-on-1 or Group Financial Coaching. It’s the accountability and guidance you need to make real progress ➡︎ https://budgetbesties.com/coaching

"I love Shana & Vanessa and this podcast is amazing!" < If that sounds like you, please consider rating and reviewing our show! It helps us to reach more people – just like you – to help them change their financial future. Don’t forget to follow the show so you don’t miss any episodes! And, if you’re feeling really generous, we’d be SO honored if you would share this podcast with someone.

Click here to view our privacy policy.

This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase!

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

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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.budgetbesties.com/freecall

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

3️⃣ BUDGET: Grab our Signature Budget Template! It's your key to organizing and optimizing your finances effectively ➡︎ https://budgetbesties.com/budget

4️⃣ COACHING: Ready to dive deep into your finances? Sign up for 1-on-1 or Group Financial Coaching. It’s the accountability and guidance you need to make real progress ➡︎ https://budgetbesties.com/coaching

"I love Shana & Vanessa and this podcast is amazing!" < If that sounds like you, please consider rating and reviewing our show! It helps us to reach more people – just like you – to help them change their financial future. Don’t forget to follow the show so you don’t miss any episodes! And, if you’re feeling really generous, we’d be SO honored if you would share this podcast with someone.

Click here to view our privacy policy.

This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase!

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

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⁠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:

Open the Money Chat: Kick off those fear-of-fighting vibes and start talking money in a chill way.
Personal Pocket Money: Allocate some cash for just-you treats. It's a game-changer.
Dream Team Goals: Brainstorm those wild and wonderful dreams. Then, plot to make them real, together!

Your Homework:

Check out budgetbesties.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.budgetbesties.com/freecall

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

3️⃣ BUDGET: Grab our Signature Budget Template! It's your key to organizing and optimizing your finances effectively ➡︎ https://budgetbesties.com/budget

4️⃣ COACHING: Ready to dive deep into your finances? Sign up for 1-on-1 or Group Financial Coaching. It’s the accountability and guidance you need to make real progress ➡︎ https://budgetbesties.com/coaching

"I love Shana & Vanessa and this podcast is amazing!" < If that sounds like you, please consider rating and reviewing our show! It helps us to reach more people – just like you – to help them change their financial future. Don’t forget to follow the show so you don’t miss any episodes! And, if you’re feeling really generous, we’d be SO honored if you would share this podcast with someone.

Click here to view our privacy policy.

This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase!

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

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⁠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:

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.
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.
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.budgetbesties.com/freecall

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

3️⃣ BUDGET: Grab our Signature Budget Template! It's your key to organizing and optimizing your finances effectively ➡︎ https://budgetbesties.com/budget

4️⃣ COACHING: Ready to dive deep into your finances? Sign up for 1-on-1 or Group Financial Coaching. It’s the accountability and guidance you need to make real progress ➡︎ https://budgetbesties.com/coaching

"I love Shana & Vanessa and this podcast is amazing!" < If that sounds like you, please consider rating and reviewing our show! It helps us to reach more people – just like you – to help them change their financial future. Don’t forget to follow the show so you don’t miss any episodes! And, if you’re feeling really generous, we’d be SO honored if you would share this podcast with someone.

Click here to view our privacy policy.

This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase!

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

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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!

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

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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.budgetbesties.com/freecall

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

3️⃣ BUDGET: Grab our Signature Budget Template! It's your key to organizing and optimizing your finances effectively ➡︎ https://budgetbesties.com/budget

4️⃣ COACHING: Ready to dive deep into your finances? Sign up for 1-on-1 or Group Financial Coaching. It’s the accountability and guidance you need to make real progress ➡︎ https://budgetbesties.com/coaching

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

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⁠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.

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.budgetbesties.com/freecall

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

3️⃣ BUDGET: Grab our Signature Budget Template! It's your key to organizing and optimizing your finances effectively ➡︎ https://budgetbesties.com/budget

4️⃣ COACHING: Ready to dive deep into your finances? Sign up for 1-on-1 or Group Financial Coaching. It’s the accountability and guidance you need to make real progress ➡︎ https://budgetbesties.com/coaching

"I love Shana & Vanessa and this podcast is amazing!" < If that sounds like you, please consider rating and reviewing our show! It helps us to reach more people – just like you – to help them change their financial future. Don’t forget to follow the show so you don’t miss any episodes! And, if you’re feeling really generous, we’d be SO honored if you would share this podcast with someone.

Click here to view our privacy policy.

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⁠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.budgetbesties.com/freecall

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

3️⃣ BUDGET: Grab our Signature Budget Template! It's your key to organizing and optimizing your finances effectively ➡︎ https://budgetbesties.com/budget

4️⃣ COACHING: Ready to dive deep into your finances? Sign up for 1-on-1 or Group Financial Coaching. It’s the accountability and guidance you need to make real progress ➡︎ https://budgetbesties.com/coaching

"I love Shana & Vanessa and this podcast is amazing!" < If that sounds like you, please consider rating and reviewing our show! It helps us to reach more people – just like you – to help them change their financial future. Don’t forget to follow the show so you don’t miss any episodes! And, if you’re feeling really generous, we’d be SO honored if you would share this podcast with someone.

Click here to view our privacy policy.

This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase!

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⁠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:

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.
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.
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.
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.
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.budgetbesties.com/freecall

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

3️⃣ BUDGET: Grab our Signature Budget Template! It's your key to organizing and optimizing your finances effectively ➡︎ https://budgetbesties.com/budget

4️⃣ COACHING: Ready to dive deep into your finances? Sign up for 1-on-1 or Group Financial Coaching. It’s the accountability and guidance you need to make real progress ➡︎ https://budgetbesties.com/coaching

"I love Shana & Vanessa and this podcast is amazing!" < If that sounds like you, please consider rating and reviewing our show! It helps us to reach more people – just like you – to help them change their financial future. Don’t forget to follow the show so you don’t miss any episodes! And, if you’re feeling really generous, we’d be SO honored if you would share this podcast with someone.

Click here to view our privacy policy.

This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase!

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⁠Snag Our Signature Budget Template!⁠

Let's set up your February budget together! Whether you're a budgeting novice or a seasoned planner, we've got insights, tips, and real-life examples to ensure you start the month on solid financial ground. Grab your pen, paper, and let's brainstorm together!

In This Episode:

The Importance of a Budget: We kick off with a gentle nudge towards the significance of budgeting, especially as we enter a new month. Our focus is on making budgeting an accessible and accountable process for everyone, with or without coaching.
Wrapping Up January: We stress the importance of closing out the previous month properly. This involves reviewing your accounts, checking off budgeted versus actual expenses, and ensuring everything aligns before moving forward.

Setting Up February's Budget:

Income: We emphasize the need to detail your income sources accurately, including the timing and amount of paychecks.
Debt: Listing out your debts, including minimum payments and due dates, helps you tackle them methodically.
Bills: Your monthly bills should remain relatively consistent, providing a stable foundation for your budget.
Spending: We guide you through allocating funds for groceries, gas, personal spending, and any upcoming special expenses.
Savings: If there's room in your budget, we discuss the importance of saving for future expenses and paying down debt.
Anticipating February Expenses: From Valentine's Day to Super Bowl parties, we remind you of potential expenses that could impact your budget.
Real-Life Client Goals:** We share stories from our clients to inspire and motivate you. From saving for spring break to tackling medical bills, our clients' goals cover a wide range of financial aspirations.

February offers a fresh start to refine your budgeting practices. With our one-page budget template and practical advice, you're well-equipped to tackle the month's financial challenges head-on. Remember, whether it's saving for future expenses, managing debt, or planning for special occasions, a thoughtful budget is your roadmap to financial stability and peace of mind.

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.budgetbesties.com/freecall

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

3️⃣ BUDGET: Grab our Signature Budget Template! It's your key to organizing and optimizing your finances effectively ➡︎ https://budgetbesties.com/budget

4️⃣ COACHING: Ready to dive deep into your finances? Sign up for 1-on-1 or Group Financial Coaching. It’s the accountability and guidance you need to make real progress ➡︎ https://budgetbesties.com/coaching

"I love Shana & Vanessa and this podcast is amazing!" < If that sounds like you, please consider rating and reviewing our show! It helps us to reach more people – just like you – to help them change their financial future. Don’t forget to follow the show so you don’t miss any episodes! And, if you’re feeling really generous, we’d be SO honored if you would share this podcast with someone.

Click here to view our privacy policy.

This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase!

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

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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! 4 Ways To Connect With Us:

1️⃣ FREE CALL: Book your FREE 20-Minute Financial Coaching Call now! Get personalized advice and start your financial journey ➡︎ https://www.budgetbesties.com/freecall

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

3️⃣ BUDGET: Grab our Signature Budget Template! It's your key to organizing and optimizing your finances effectively ➡︎ https://budgetbesties.com/budget

4️⃣ COACHING: Ready to dive deep into your finances? Sign up for 1-on-1 or Group Financial Coaching. It’s the accountability and guidance you need to make real progress ➡︎ https://budgetbesties.com/coaching

"I love Shana & Vanessa and this podcast is amazing!" < If that sounds like you, please consider rating and reviewing our show! It helps us to reach more people – just like you – to help them change their financial future. Don’t forget to follow the show so you don’t miss any episodes! And, if you’re feeling really generous, we’d be SO honored if you would share this podcast with someone.

Click here to view our privacy policy.

This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase!

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

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⁠Snag Our Signature Budget Template!⁠

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!

Common Budgeting Mistakes: Many people overcomplicate budgeting, which can lead to confusion and frustration. We discuss these pitfalls and how to avoid them.
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.
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.
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.
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.
Savings and Planning Ahead: Emphasize the importance of saving for foreseeable expenses, like oil changes or vacations, to avoid last-minute financial stress.
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.budgetbesties.com/freecall

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

3️⃣ BUDGET: Grab our Signature Budget Template! It's your key to organizing and optimizing your finances effectively ➡︎ https://budgetbesties.com/budget

4️⃣ COACHING: Ready to dive deep into your finances? Sign up for 1-on-1 or Group Financial Coaching. It’s the accountability and guidance you need to make real progress ➡︎ https://budgetbesties.com/coaching

"I love Shana & Vanessa and this podcast is amazing!" < If that sounds like you, please consider rating and reviewing our show! It helps us to reach more people – just like you – to help them change their financial future. Don’t forget to follow the show so you don’t miss any episodes! And, if you’re feeling really generous, we’d be SO honored if you would share this podcast with someone.

Click here to view our privacy policy.

This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase!

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

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⁠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.

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.

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.

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.

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.

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.

Medical Savings Bucket:

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

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.

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.

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.

Pet Care Fund:

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

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.

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.

Clothing and Essentials:
We touch on the necessity of a clothing fund, especially considering the changing needs and growth of family members.
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.budgetbesties.com/freecall

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

3️⃣ BUDGET: Grab our Signature Budget Template! It's your key to organizing and optimizing your finances effectively ➡︎ https://budgetbesties.com/budget

4️⃣ COACHING: Ready to dive deep into your finances? Sign up for 1-on-1 or Group Financial Coaching. It’s the accountability and guidance you need to make real progress ➡︎ https://budgetbesties.com/coaching

"I love Shana & Vanessa and this podcast is amazing!" < If that sounds like you, please consider rating and reviewing our show! It helps us to reach more people – just like you – to help them change their financial future. Don’t forget to follow the show so you don’t miss any episodes! And, if you’re feeling really generous, we’d be SO honored if you would share this podcast with someone.

Click here to view our privacy policy.

This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase!

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

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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:

Introduction to Savings Buckets: Savings buckets are essentially designated savings accounts for specific purposes, helping you save systematically and avoid financial stress.
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.
The Necessity of Savings Buckets: They're essential for being financially prepared for predictable expenses like vehicle maintenance, home repairs, or even Christmas gifts.
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.
- Types of Savings Buckets: We categorize them into 'needs' (like emergency funds, annual bills) and 'wants' (like vacations, kids' activities).
- 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.
- 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.budgetbesties.com/freecall

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

3️⃣ BUDGET: Grab our Signature Budget Template! It's your key to organizing and optimizing your finances effectively ➡︎ https://budgetbesties.com/budget

4️⃣ COACHING: Ready to dive deep into your finances? Sign up for 1-on-1 or Group Financial Coaching. It’s the accountability and guidance you need to make real progress ➡︎ https://budgetbesties.com/coaching

"I love Shana & Vanessa and this podcast is amazing!" < If that sounds like you, please consider rating and reviewing our show! It helps us to reach more people – just like you – to help them change their financial future. Don’t forget to follow the show so you don’t miss any episodes! And, if you’re feeling really generous, we’d be SO honored if you would share this podcast with someone.

Click here to view our privacy policy.

This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase!

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

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⁠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.budgetbesties.com/freecall

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

3️⃣ BUDGET: Grab our Signature Budget Template! It's your key to organizing and optimizing your finances effectively ➡︎ https://budgetbesties.com/budget

4️⃣ COACHING: Ready to dive deep into your finances? Sign up for 1-on-1 or Group Financial Coaching. It’s the accountability and guidance you need to make real progress ➡︎ https://budgetbesties.com/coaching

"I love Shana & Vanessa and this podcast is amazing!" < If that sounds like you, please consider rating and reviewing our show! It helps us to reach more people – just like you – to help them change their financial future. Don’t forget to follow the show so you don’t miss any episodes! And, if you’re feeling really generous, we’d be SO honored if you would share this podcast with someone.

Click here to view our privacy policy.

This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase!

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

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⁠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:

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.
- 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.
- 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.
- 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.
- 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.
- 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.budgetbesties.com/freecall

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

3️⃣ BUDGET: Grab our Signature Budget Template! It's your key to organizing and optimizing your finances effectively ➡︎ https://budgetbesties.com/budget

4️⃣ COACHING: Ready to dive deep into your finances? Sign up for 1-on-1 or Group Financial Coaching. It’s the accountability and guidance you need to make real progress ➡︎ https://budgetbesties.com/coaching

"I love Shana & Vanessa and this podcast is amazing!" < If that sounds like you, please consider rating and reviewing our show! It helps us to reach more people – just like you – to help them change their financial future. Don’t forget to follow the show so you don’t miss any episodes! And, if you’re feeling really generous, we’d be SO honored if you would share this podcast with someone.

Click here to view our privacy policy.

This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase!

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

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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.

Automation is King: Learn how to automate your financial system. From bills to savings, let your bank work as your personal financial assistant.
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.
Debt Management: Understand why avoiding debt is crucial and how being debt-free can actually make you wealthier.
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.budgetbesties.com/freecall

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

3️⃣ BUDGET: Grab our Signature Budget Template! It's your key to organizing and optimizing your finances effectively ➡︎ https://budgetbesties.com/budget

4️⃣ COACHING: Ready to dive deep into your finances? Sign up for 1-on-1 or Group Financial Coaching. It’s the accountability and guidance you need to make real progress ➡︎ https://budgetbesties.com/coaching

"I love Shana & Vanessa and this podcast is amazing!" < If that sounds like you, please consider rating and reviewing our show! It helps us to reach more people – just like you – to help them change their financial future. Don’t forget to follow the show so you don’t miss any episodes! And, if you’re feeling really generous, we’d be SO honored if you would share this podcast with someone.

Click here to view our privacy policy.

This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase!

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

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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:

Empowerment Over Debt: Becky's choice to take control of her debt instead of opting for debt consolidation.
The Coaching Impact: How working with a financial coach provided Becky with accountability and a practical plan to tackle debt.
Budgeting Revelations: Transitioning from budgeting struggles to creating efficient systems for managing finances.
Unexpected Wins: Paying off significant debts, including a car payment, and planning for vacations while still clearing debt.
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.budgetbesties.com/freecall

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

3️⃣ BUDGET: Grab our Signature Budget Template! It's your key to organizing and optimizing your finances effectively ➡︎ https://budgetbesties.com/budget

4️⃣ COACHING: Ready to dive deep into your finances? Sign up for 1-on-1 or Group Financial Coaching. It’s the accountability and guidance you need to make real progress ➡︎ https://budgetbesties.com/coaching

"I love Shana & Vanessa and this podcast is amazing!" < If that sounds like you, please consider rating and reviewing our show! It helps us to reach more people – just like you – to help them change their financial future. Don’t forget to follow the show so you don’t miss any episodes! And, if you’re feeling really generous, we’d be SO honored if you would share this podcast with someone.

Click here to view our privacy policy.

This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase!

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

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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:

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.
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.
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.
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.
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.
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.
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.
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.budgetbesties.com/freecall

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

3️⃣ BUDGET: Grab our Signature Budget Template! It's your key to organizing and optimizing your finances effectively ➡︎ https://budgetbesties.com/budget

4️⃣ COACHING: Ready to dive deep into your finances? Sign up for 1-on-1 or Group Financial Coaching. It’s the accountability and guidance you need to make real progress ➡︎ https://budgetbesties.com/coaching

"I love Shana & Vanessa and this podcast is amazing!" < If that sounds like you, please consider rating and reviewing our show! It helps us to reach more people – just like you – to help them change their financial future. Don’t forget to follow the show so you don’t miss any episodes! And, if you’re feeling really generous, we’d be SO honored if you would share this podcast with someone.

Click here to view our privacy policy.

This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase!

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

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⁠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:

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.
- 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.
- 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.
- 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.budgetbesties.com/freecall

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

3️⃣ BUDGET: Grab our Signature Budget Template! It's your key to organizing and optimizing your finances effectively ➡︎ https://budgetbesties.com/budget

4️⃣ COACHING: Ready to dive deep into your finances? Sign up for 1-on-1 or Group Financial Coaching. It’s the accountability and guidance you need to make real progress ➡︎ https://budgetbesties.com/coaching

"I love Shana & Vanessa and this podcast is amazing!" < If that sounds like you, please consider rating and reviewing our show! It helps us to reach more people – just like you – to help them change their financial future. Don’t forget to follow the show so you don’t miss any episodes! And, if you’re feeling really generous, we’d be SO honored if you would share this podcast with someone.

Click here to view our privacy policy.

This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase!

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

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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:

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! 😮🖍️
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. 📊💬
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! 🥧💡
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! 🧞‍♂️✨
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! 🎉📅
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. 🎈🗝️
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: budgetbesties.com/smartmoney
One-Page Budget Template: budgetbesties.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.budgetbesties.com/freecall

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

3️⃣ BUDGET: Grab our Signature Budget Template! It's your key to organizing and optimizing your finances effectively ➡︎ https://budgetbesties.com/budget

4️⃣ COACHING: Ready to dive deep into your finances? Sign up for 1-on-1 or Group Financial Coaching. It’s the accountability and guidance you need to make real progress ➡︎ https://budgetbesties.com/coaching

"I love Shana & Vanessa and this podcast is amazing!" < If that sounds like you, please consider rating and reviewing our show! It helps us to reach more people – just like you – to help them change their financial future. Don’t forget to follow the show so you don’t miss any episodes! And, if you’re feeling really generous, we’d be SO honored if you would share this podcast with someone.

Click here to view our privacy policy.

This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase!

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

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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.budgetbesties.com/freecall

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

3️⃣ BUDGET: Grab our Signature Budget Template! It's your key to organizing and optimizing your finances effectively ➡︎ https://budgetbesties.com/budget

4️⃣ COACHING: Ready to dive deep into your finances? Sign up for 1-on-1 or Group Financial Coaching. It’s the accountability and guidance you need to make real progress ➡︎ https://budgetbesties.com/coaching

"I love Shana & Vanessa and this podcast is amazing!" < If that sounds like you, please consider rating and reviewing our show! It helps us to reach more people – just like you – to help them change their financial future. Don’t forget to follow the show so you don’t miss any episodes! And, if you’re feeling really generous, we’d be SO honored if you would share this podcast with someone.

Click here to view our privacy policy.

This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase!

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

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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://www.budgetbesties.com/freecall

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

3️⃣ BUDGET: Grab our Signature Budget Template! It's your key to organizing and optimizing your finances effectively ➡︎ https://budgetbesties.com/budget

4️⃣ COACHING: Ready to dive deep into your finances? Sign up for 1-on-1 or Group Financial Coaching. It’s the accountability and guidance you need to make real progress ➡︎ https://budgetbesties.com/coaching

"I love Shana & Vanessa and this podcast is amazing!" < If that sounds like you, please consider rating and reviewing our show! It helps us to reach more people – just like you – to help them change their financial future. Don’t forget to follow the show so you don’t miss any episodes! And, if you’re feeling really generous, we’d be SO honored if you would share this podcast with someone.

Click here to view our privacy policy.

This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase!

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

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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.budgetbesties.com/freecall

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

3️⃣ BUDGET: Grab our Signature Budget Template! It's your key to organizing and optimizing your finances effectively ➡︎ https://budgetbesties.com/budget

4️⃣ COACHING: Ready to dive deep into your finances? Sign up for 1-on-1 or Group Financial Coaching. It’s the accountability and guidance you need to make real progress ➡︎ https://budgetbesties.com/coaching

"I love Shana & Vanessa and this podcast is amazing!" < If that sounds like you, please consider rating and reviewing our show! It helps us to reach more people – just like you – to help them change their financial future. Don’t forget to follow the show so you don’t miss any episodes! And, if you’re feeling really generous, we’d be SO honored if you would share this podcast with someone.

Click here to view our privacy policy.

This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase!

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

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⁠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 https://www.budgetbesties.com/yearendchecklist and let’s dive in!

Highlights of the Episode:

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.
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.
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!
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.
Organize Financial Records: A great time to declutter and organize your financial documents. A clean slate leads to a clear mind!
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.
Insurance Policy Review: Check if your current policies still meet your needs. Changes in life circumstances can often lead to necessary adjustments in coverage.
Retirement Contributions: Are you maximizing your retirement contributions? Adjusting your contributions can significantly impact your long-term financial health.
Charitable Contributions: Consider making year-end charitable contributions. It’s a great way to give back and can also offer tax benefits.
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!
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.budgetbesties.com/freecall

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

3️⃣ BUDGET: Grab our Signature Budget Template! It's your key to organizing and optimizing your finances effectively ➡︎ https://budgetbesties.com/budget

4️⃣ COACHING: Ready to dive deep into your finances? Sign up for 1-on-1 or Group Financial Coaching. It’s the accountability and guidance you need to make real progress ➡︎ https://budgetbesties.com/coaching

"I love Shana & Vanessa and this podcast is amazing!" < If that sounds like you, please consider rating and reviewing our show! It helps us to reach more people – just like you – to help them change their financial future. Don’t forget to follow the show so you don’t miss any episodes! And, if you’re feeling really generous, we’d be SO honored if you would share this podcast with someone.

Click here to view our privacy policy.

This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase!

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

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⁠Snag Our Signature Budget Template!⁠

Hey there, budgeting besties! Are you ready to dive into the new year with a solid financial plan? If you haven't crafted your January budget yet, you're in the perfect place! Just like nurturing loyal customers after a successful digital course, managing your finances requires engagement, strategy, and a forward-thinking mindset. In this episode, we're going to unfold the secrets to a powerful January budget, setting you up for a prosperous start to the year.

Reviewing December

Importance: Understanding past spending, especially during the holiday season.
Tips: Adjust budgets based on actual expenses, learning from any overspending.

January Budget Planning, Five Essential Components:

Income: Adjust for any new year changes.
Debts: Include any holiday spending and plan for repayment.
Bills: Account for new subscriptions and winter utility changes.
Spending: Review and adjust discretionary categories.
Savings: Update goals and start year-long saving habits.

Special January Considerations

Debt Management: Tips for addressing holiday debt.
New Year Resolutions: Incorporating health and wellness goals into your budget.
Tax Preparation: Planning for the upcoming tax season.
Savings Goals: Setting targets for the new year.

Client Stories & Practical Tips

Real-life experiences: Learn from client stories on budget adjustments and savings strategies.

Call to Action: Grab the free one-page budget template at budgetbesties.com/budgettemplate to kickstart your January budgeting 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.budgetbesties.com/freecall

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

3️⃣ BUDGET: Grab our Signature Budget Template! It's your key to organizing and optimizing your finances effectively ➡︎ https://budgetbesties.com/budget

4️⃣ COACHING: Ready to dive deep into your finances? Sign up for 1-on-1 or Group Financial Coaching. It’s the accountability and guidance you need to make real progress ➡︎ https://budgetbesties.com/coaching

"I love Shana & Vanessa and this podcast is amazing!" < If that sounds like you, please consider rating and reviewing our show! It helps us to reach more people – just like you – to help them change their financial future. Don’t forget to follow the show so you don’t miss any episodes! And, if you’re feeling really generous, we’d be SO honored if you would share this podcast with someone.

Click here to view our privacy policy.

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4 Ways To Connect With Us:

1️⃣ FREE CALL: Book your FREE 20-Minute Financial Coaching Call now! Get personalized advice and start your financial journey ➡︎ https://www.budgetbesties.com/freecall

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

3️⃣ BUDGET: Grab our Signature Budget Template! It's your key to organizing and optimizing your finances effectively ➡︎ https://budgetbesties.com/budget

4️⃣ COACHING: Ready to dive deep into your finances? Sign up for 1-on-1 or Group Financial Coaching. It’s the accountability and guidance you need to make real progress ➡︎ https://budgetbesties.com/coaching

"I love Shana & Vanessa and this podcast is amazing!" < If that sounds like you, please consider rating and reviewing our show! It helps us to reach more people – just like you – to help them change their financial future. Don’t forget to follow the show so you don’t miss any episodes! And, if you’re feeling really generous, we’d be SO honored if you would share this podcast with someone.

Click here to view our privacy policy.

This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase!

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Hey there, budget besties! In this power-packed episode, we're diving deep into the world of budgeting and spending habits. Whether you're a budgeting pro or just starting out, we've got some golden nuggets of advice that are sure to help you take control of your finances like never before.

We're not just talking theory here – these are practical, real-world strategies that have worked for us and countless others. So grab your notepad, and let's jump into the key takeaways from today's episode:

8:26 - The Perfect Time to Start Budgeting: We talk about why there's no better time to start budgeting than now. Don't wait for a 'perfect' financial month; the best time is always the present.
13:53 - Understanding Your Spending Habits: Get insights into how analyzing your bank and credit card statements can reveal a lot about where your money is going.
21:03 - Creating a Personal Spending Budget: We discuss the concept of 'pocket money' – a budget for guilt-free spending within limits, balancing enjoyment with responsibility.
24:34 - The Downside of Credit Cards: Learn about the pitfalls of relying too much on credit cards and the psychological benefits of using cash.
26:25 - Comparing Budgeting Approaches: We compare our flexible, personalized approach to budgeting with more rigid methods like those advocated by Dave Ramsey.

Remember, understanding and controlling your spending is key to financial empowerment. It's not just about cutting back – it's about making smarter choices and knowing where your money is going.

Ready to Elevate Your Financial Savvy? Grab your earbuds and a cozy cup of coffee, and settle in for a deep dive into mastering your finances. Tune into our episode now for insights and strategies that will transform the way you view and manage your money. It's time to turn those budgeting challenges into triumphs!

4 Ways To Connect With Us:

1️⃣ FREE CALL: Book your FREE 20-Minute Financial Coaching Call now! Get personalized advice and start your financial journey ➡︎ https://www.budgetbesties.com/freecall

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

3️⃣ BUDGET: Grab our Signature Budget Template! It's your key to organizing and optimizing your finances effectively ➡︎ https://budgetbesties.com/budget

4️⃣ COACHING: Ready to dive deep into your finances? Sign up for 1-on-1 or Group Financial Coaching. It’s the accountability and guidance you need to make real progress ➡︎ https://budgetbesties.com/coaching

"I love Shana & Vanessa and this podcast is amazing!" < If that sounds like you, please consider rating and reviewing our show! It helps us to reach more people – just like you – to help them change their financial future. Don’t forget to follow the show so you don’t miss any episodes! And, if you’re feeling really generous, we’d be SO honored if you would share this podcast with someone.

Click here to view our privacy policy.

This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase!

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Today, we delve into a relatable and often challenging topic: convincing your spouse to embrace financial coaching. This conversation extends beyond just managing finances; it's about understanding and addressing the deeper issues that arise when spouses disagree on important decisions like financial coaching.

Key Points:

Understanding Resistance: We start by recognizing that hesitation towards financial coaching often originates from more profound relationship issues, particularly around decision-making and shared goals.
The First Hurdle - Financial Commitment: We discuss the common perception of financial coaching as a mere expense versus an investment in the family's future, emphasizing the long-term benefits of this investment.
Privacy Concerns: Addressing common fears about privacy and the discomfort in discussing finances openly, we assure listeners that the process is confidential and non-judgmental.
Shame and Responsibility: This segment delves into the feelings of shame and failure, especially prevalent among men who feel responsible for their family's financial well-being. We encourage seeing this step as a courageous act of taking control and changing the family's financial path.
Transformative Stories: Sharing real-life client stories, we illustrate the impactful results of overcoming initial resistance and achieving significant financial milestones.

--

4 Ways To Connect With Us:

1️⃣ FREE CALL: Book your FREE 20-Minute Financial Coaching Call now! Get personalized advice and start your financial journey ➡︎ ⁠https://www.budgetbesties.com/freecall⁠

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

3️⃣ BUDGET: Grab our Signature Budget Template! It's your key to organizing and optimizing your finances effectively ➡︎ ⁠https://budgetbesties.com/budget⁠

4️⃣ COACHING: Ready to dive deep into your finances? Sign up for 1-on-1 or Group Financial Coaching. It’s the accountability and guidance you need to make real progress ➡︎ ⁠https://budgetbesties.com/coaching⁠

"I love Shana & Vanessa and this podcast is amazing!" < If that sounds like you, please consider rating and reviewing our show! It helps us to reach more people – just like you – to help them change their financial future. Don’t forget to follow the show so you don’t miss any episodes! And, if you’re feeling really generous, we’d be SO honored if you would share this podcast with someone.

⁠Click here to view our privacy policy.⁠

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We're beyond thrilled today as we chat with the extraordinary Kali Brigham, a role model in balancing career, family, and personal growth. Kali is not just a business savant but also a dedicated mom, a wife, and an accomplished violinist. Her journey from being a top TV producer to achieving the number one spot in Mary Kay in 2020, all while nurturing her faith and family, makes her the perfect guest to dive into the art of time management.

Key Points Discussed:

Balancing Multiple Roles: Kali shares her experience in handling various roles, offering valuable insights for our audience of busy moms and entrepreneurs.
Time Management Techniques: Learn about the "Sunday brain drain" and other practical tips for organizing your week.
Setting Priorities: Kali emphasizes the importance of aligning activities with personal and family values.
Delegating Effectively: Discover how to identify tasks that can be delegated to others, including family members.
Maintaining Personal Well-being: Kali stresses the significance of self-care and setting aside time for personal rejuvenation.

Kali's approach to time management is a blend of practicality and wisdom. Her strategies are not just about managing schedules but also about understanding the deeper implications of our choices on our personal and professional lives. This episode is a treasure trove of advice for anyone looking to balance the demands of work, family, and self.

Be sure to get your FREE BRAIN DRAIN and WEEKLY PLAN SHEET printable HERE

Join the Tick Tock Tribe: Click HERE to become part of Kali's vibrant community on Facebook.

Tune In--- Subscribe, Rate, and Share: If you find value in this episode, be sure to subscribe, rate, and share the Tick Talk Podcast. Help us spread the wisdom of intentional time mastery.

Check out more about Kali: www.kalibrigham.com.

Let's chat: hello@kalibrigham.com.

DM on IG: @kali.brigham or @theticktalkpod

Stay Inspired: Kali's story is a testament to the power of intentional living. As you navigate your busy life, remember her advice to prioritize, delegate, and most importantly, cradle the things that matter most.

4 Ways To Connect With Us:

1️⃣ FREE CALL: Book your FREE 20-Minute Financial Coaching Call now! Get personalized advice and start your financial journey ➡︎ ⁠https://www.budgetbesties.com/freecall⁠

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

3️⃣ BUDGET: Grab our Signature Budget Template! It's your key to organizing and optimizing your finances effectively ➡︎ ⁠https://budgetbesties.com/budget⁠

4️⃣ COACHING: Ready to dive deep into your finances? Sign up for 1-on-1 or Group Financial Coaching. It’s the accountability and guidance you need to make real progress ➡︎ ⁠https://budgetbesties.com/coaching⁠

"I love Shana & Vanessa and this podcast is amazing!" < If that sounds like you, please consider rating and reviewing our show! It helps us to reach more people – just like you – to help them change their financial future. Don’t forget to follow the show so you don’t miss any episodes! And, if you’re feeling really generous, we’d be SO honored if you would share this podcast with someone.

⁠Click here to view our privacy policy.⁠

This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase!

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Welcome to another episode of "Business Besties," the unrequested yet wholly delightful podcast where we share our journey as business partners and best friends. In today's episode, we're diving into some memorable moments from our four-year journey, discussing our realizations, funny memories, and how we celebrate our successes.
4 Ways To Connect With Us:

1️⃣ FREE CALL: Book your FREE 20-Minute Financial Coaching Call now! Get personalized advice and start your financial journey ➡︎ ⁠https://www.budgetbesties.com/freecall⁠

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

3️⃣ BUDGET: Grab our Signature Budget Template! It's your key to organizing and optimizing your finances effectively ➡︎ ⁠https://budgetbesties.com/budget⁠

4️⃣ COACHING: Ready to dive deep into your finances? Sign up for 1-on-1 or Group Financial Coaching. It’s the accountability and guidance you need to make real progress ➡︎ ⁠https://budgetbesties.com/coaching⁠

"I love Shana & Vanessa and this podcast is amazing!" < If that sounds like you, please consider rating and reviewing our show! It helps us to reach more people – just like you – to help them change their financial future. Don’t forget to follow the show so you don’t miss any episodes! And, if you’re feeling really generous, we’d be SO honored if you would share this podcast with someone.

⁠Click here to view our privacy policy.⁠

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Today, we're super excited to share our personal Christmas lists and gift ideas. With the holiday season in full swing, it's the perfect time to get inspired for your own shopping or wish list.

First, a quick reminder: if you're still planning your holiday budget, grab our Christmas Budget Planner at budgetbesties.com/2023Christmas. It's an excellent tool to keep your finances in check during this festive season.

You can see our entire list here.

Now, let's dive into our lists!

What We're Asking For This Christmas:

Vanessa:

Standing Mat: Essential for our at-home client sessions. It helps keep the backaches at bay while standing.
Shower head Filter: A step towards cleaner, softer water. It's a budget-friendly alternative to a full home filtration system.
Kitchen Makeover: A big wish! Including new kitchen lights, a large beam, and bricking an archway. A combined gift for Vanessa and her husband, Marc.

Shana:

Planners: The full focus planner is a must-have for staying organized.
AirPods: A replacement for her malfunctioning ones.
Running Shoes: Shana prefers Topo shoes for their wide toe box and minimal cushioning.
Multi-Device Charging Stand: To keep all gadgets in one place without the clutter of cords.

What We're Gifting This Year

Vanessa:

Durable, Cute Lunchboxes for Our Daughters: Functional and stylish, perfect for school.
Earrings: A personal favorite, Vanessa loves gifting unique earrings.
Xbox Controllers for Her Son: An inevitable need with avid gamers in the house.
Pet Carrier: For safer four-wheeler rides with her dog.

Shana:

Flashlight: It's the Ultimate Flashlight Dad will absolutely love!
Carseat Gap Filler: It fits between the carseat and console so things don't get lost in the abyss ever again.
Kid-size YETI Water Bottle: It's tougher than any other water bottle AND it fits in cup holders!
Pop It Tetris Puzzle: Super-affordable, compact, durable, and oh-so-satisfying, this silicone sensory game is a hit from kids to adults.

Remember, the key to a great Christmas gift is thoughtfulness and utility. Our choices this year reflect our personal preferences and practical needs, and we hope they inspire you too. Don't forget to email us at info@myidealbalance.com with your fantastic gift ideas.

For more details on the items we mentioned and to get our Christmas Budget Planner, head over to budgetbesties.com/2023christmas. Happy holiday planning!

4 Ways To Connect With Us:

1️⃣ FREE CALL: Book your FREE 20-Minute Financial Coaching Call now! Get personalized advice and start your financial journey ➡︎ ⁠https://www.budgetbesties.com/freecall⁠

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

3️⃣ BUDGET: Grab our Signature Budget Template! It's your key to organizing and optimizing your finances effectively ➡︎ ⁠https://budgetbesties.com/budget⁠

4️⃣ COACHING: Ready to dive deep into your finances? Sign up for 1-on-1 or Group Financial Coaching. It’s the accountability and guidance you need to make real progress ➡︎ ⁠https://budgetbesties.com/coaching⁠

"I love Shana & Vanessa and this podcast is amazing!" < If that sounds like you, please consider rating and reviewing our show! It helps us to reach more people – just like you – to help them change their financial future. Don’t forget to follow the show so you don’t miss any episodes! And, if you’re feeling really generous, we’d be SO honored if you would share this podcast with someone.

⁠Click here to view our privacy policy.⁠

This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase!

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

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Hey there, listeners! 🎧 In today's episode, we're diving into a topic that's crucial for your financial health: understanding the difference between accounting and budgeting.

🔍 What's the Deal with Accounting and Budgeting?

Accounting: It's all about looking back. Think of it as your financial rearview mirror, showing you where your money went. But here's the thing, it's past tense. It's great for business, taxes, and getting a snapshot of what happened.
Budgeting: This is your financial roadmap! It's future-focused, helping you plan every dollar before you spend it. Budgeting is about setting goals, avoiding debt, and making your money work for you.

🌟 Why Budgeting Rocks:

Take Charge: With budgeting, you're in the driver's seat. You decide where your money goes, from the first to the last dollar.
Goal Setting: Whether it's paying off a card or saving for a vacation, budgeting makes these dreams achievable.
Avoid Debt: Budgeting helps you plan for big expenses and avoid the debt trap.
Peace of Mind: Knowing exactly what you have for groceries, fun, or savings reduces stress and chaos.

🤔 Why Bother with Accounting?

While we love budgeting, accounting has its place too! It's essential for business operations, tax purposes, and reflecting on your spending habits to make better future budgets.

🎯 Taking Action:

Get Organized: Use tools like our Signature Budget Template to track your assets, debts, and future budgets.
Reflect and Adjust: At month-end, compare your budget with actual spending to fine-tune your next month's plan.
Set and Review Goals: Regularly check your progress towards your financial goals.

Budgeting isn't just about numbers; it's about empowering you to take control of your financial future. Remember, it's not just theory; it's about real-life changes that make a difference. So, grab that budget template and start your journey to financial clarity!

📣 We'd Love to Hear from You!

Share your success stories or questions with us. Your experiences could shape our next episode! Reach out at [your podcast email/website].

Stay tuned, and let's make those financial dreams a reality! 💪💰🌈

4 Ways To Connect With Us:

1️⃣ FREE CALL: Book your FREE 20-Minute Financial Coaching Call now! Get personalized advice and start your financial journey ➡︎ https://www.budgetbesties.com/freecall

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

3️⃣ BUDGET: Grab our Signature Budget Template! It's your key to organizing and optimizing your finances effectively ➡︎ https://budgetbesties.com/budget

4️⃣ COACHING: Ready to dive deep into your finances? Sign up for 1-on-1 or Group Financial Coaching. It’s the accountability and guidance you need to make real progress ➡︎ https://budgetbesties.com/coaching

"I love Shana & Vanessa and this podcast is amazing!" < If that sounds like you, please consider rating and reviewing our show! It helps us to reach more people – just like you – to help them change their financial future. Don’t forget to follow the show so you don’t miss any episodes! And, if you’re feeling really generous, we’d be SO honored if you would share this podcast with someone.

Click here to view our privacy policy.

This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase!

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In today’s episode, we're chatting with Catherine, a super mom and special ed teacher who's been rocking a side gig in copywriting. We're diving into her inspiring journey of turning financial chaos into calm.

Catherine's World: Catherine juggles a demanding teaching career with her creative side hustle in copywriting, all while being a mom to two adorable, energetic little ones. It's a life filled with love, laughter, and, let's be honest, a bit of chaos too.

The Lightbulb Moment: Picture this: Catherine, just like any of us, stumbles upon our podcast-specifically an Impulse Spending episode. It sparks something in her. She's dealing with rising daycare costs that are giving her sleepless nights. She thinks, “Enough is enough,” and decides it's time for a change.

Budgeting Like a Boss: Here’s where Catherine turns things around. She starts by mapping out where her money is going (and where it needs to stop going!). She sets some real goals, giving every dollar a job. It’s not just about cutting back; it’s about making smart choices.

Sinking Funds to the Rescue: Catherine introduces us to her game-changer strategy: savings buckets. Think of these like little pots of gold for different needs – one for daycare, another for those unexpected 'oops' moments, and even one for celebrating the good times, guilt-free.

Tackling Daycare Like a Pro: So, daycare costs are soaring, right? Catherine doesn't just throw her hands up. She tweaks her budget, making room for this non-negotiable expense. Her daycare sinking fund becomes her peace of mind, ensuring her kiddos get the care they need without breaking the bank.

Kissing Impulse Buys Goodbye: We've all been there – those little purchases that add up. Catherine shares her secret sauce: mindful shopping. She starts asking herself, "Do I really need this, or is it just a 'want'?" Plus, switching to cash makes her think twice before splurging.

Life on the Brighter Side: Here’s the best part. Catherine's not just surviving; she's thriving. Less worry about bills means more quality time with her family. She’s feeling confident and in control, setting an amazing example for her kids on how to handle money with grace.

Catherine's Heartfelt Advice: To anyone feeling overwhelmed with their finances, Catherine’s got your back. She says, "Face it head-on. Get help if you need it. Trust me, it’s worth it."

A huge thank you to Catherine for sharing her incredible journey, filled with practical takeaways and inspiring insights. Her story is a remarkable example of what can be achieved with determination and the right strategies.

Your Turn: Feeling inspired by Catherine’s story? We'd love to hear your journey towards financial wellness. Join our community, share your story, and let’s support each other in this 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.budgetbesties.com/freecall⁠

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

3️⃣ BUDGET: Grab our Signature Budget Template! It's your key to organizing and optimizing your finances effectively ➡︎ ⁠https://budgetbesties.com/budget⁠

4️⃣ COACHING: Ready to dive deep into your finances? Sign up for 1-on-1 or Group Financial Coaching. It’s the accountability and guidance you need to make real progress ➡︎ ⁠https://budgetbesties.com/coaching⁠

"I love Shana & Vanessa and this podcast is amazing!" < If that sounds like you, please consider rating and reviewing our show! It helps us to reach more people – just like you – to help them change their financial future. Don’t forget to follow the show so you don’t miss any episodes! And, if you’re feeling really generous, we’d be SO honored if you would share this podcast with someone.

⁠Click here to view our privacy policy.⁠

This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase!

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

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Your wallet is more than a fashion accessory; it's a tiny window into your financial soul. Today, we're stirring up the age-old debate of cash versus cards. It's a showdown that goes beyond convenience and taps into your financial psyche. Are you ready to journey into the heart of your spending habits? Whether you're a staunch supporter of cash or a card-carrying member, we've got some intriguing insights for you!

Cash or Cards? We're getting real about credit cards, debt power, and the charm of cash. It's all about what these choices mean for your wallet and financial health.
Credit Card Real Talk: We spill the beans on credit cards – they're not just plastic, but a gateway to debt if not managed wisely.
The Cash Appeal: There's something about cash that just feels right, doesn't it? We discuss why it might be your wallet's best friend for better budget control.
Practical Wallet Wisdom: We share tips on what to carry in your wallet to keep your spending in check. Spoiler alert: It's not just about what's trendy.
Your Money, Your Way: We're all about making finance fun and manageable. So, whether you're team cash or team card, we've got some golden nuggets for you.

And that's a wrap on our wallet wisdom session! Remember, whether it's cash or cards, it's all about how you use them. Stay smart and keep slaying your financial 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.budgetbesties.com/freecall⁠

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

3️⃣ BUDGET: Grab our Signature Budget Template! It's your key to organizing and optimizing your finances effectively ➡︎ ⁠https://budgetbesties.com/budget⁠

4️⃣ COACHING: Ready to dive deep into your finances? Sign up for 1-on-1 or Group Financial Coaching. It’s the accountability and guidance you need to make real progress ➡︎ ⁠https://budgetbesties.com/coaching⁠

"I love Shana & Vanessa and this podcast is amazing!" < If that sounds like you, please consider rating and reviewing our show! It helps us to reach more people – just like you – to help them change their financial future. Don’t forget to follow the show so you don’t miss any episodes! And, if you’re feeling really generous, we’d be SO honored if you would share this podcast with someone.

⁠Click here to view our privacy policy.⁠

This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase!

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

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Are you one of those people who start a budget with the best intentions but just can’t seem to stick to it? If that sounds familiar, this episode is for you. We're diving deep into the world of budgeting, debunking myths, and offering real, tangible solutions to your budgeting struggles.

In This Episode:

00:02:15: The truth behind why many of us fail at sticking to a budget and practical steps to change that.
00:06:30: Strategies for managing fluctuating incomes – a must-hear for freelancers and those with variable earnings.
00:12:20: Preparing for 'unexpected' expenses – they might not be as unpredictable as you think.
00:18:45: Balancing indulgences and mindful spending – finding harmony in your financial life.
00:25:00: Keeping the motivation alive – tips to maintain momentum in your budgeting journey.

Key Moments:

Debunking Budgeting Myths: We're tackling common misconceptions about budgeting and setting the record straight.
Navigating Variable Incomes: Tips and techniques for creating a flexible budget that works with an inconsistent income.
Anticipating the Unanticipated: Turning sudden expenses into planned events and eliminating financial surprises.
Mindful Indulgences: How to enjoy your earnings without derailing your budget goals.
Staying Motivated: Techniques to keep your budgeting journey fresh and focused, ensuring you stay on the path to financial freedom.

Conclusion:

Budgeting isn't about cutting back on everything you love; it's about making smart choices that align with your goals. So, hit play, get inspired, and start transforming your financial future 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.budgetbesties.com/freecall⁠

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

3️⃣ BUDGET: Grab our Signature Budget Template! It's your key to organizing and optimizing your finances effectively ➡︎ ⁠https://budgetbesties.com/budget⁠

4️⃣ COACHING: Ready to dive deep into your finances? Sign up for 1-on-1 or Group Financial Coaching. It’s the accountability and guidance you need to make real progress ➡︎ ⁠https://budgetbesties.com/coaching⁠

"I love Shana & Vanessa and this podcast is amazing!" < If that sounds like you, please consider rating and reviewing our show! It helps us to reach more people – just like you – to help them change their financial future. Don’t forget to follow the show so you don’t miss any episodes! And, if you’re feeling really generous, we’d be SO honored if you would share this podcast with someone.

⁠Click here to view our privacy policy.⁠

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Grab our free, one page, printable budget template here.

Get ready to tackle your December budget with us! In this episode, we chat about how easy it is to slip up with our budgets, especially as the year winds down. We'll walk you through the ins and outs of setting up a solid December budget. From peeking back at November's oops moments to planning for the holiday splurge, we've got you covered. Plus, we've got a super handy one-page budget template just for you!

What We Talk About:

Oops, November Happened! – We all trip up sometimes, right? We look at why some budgets just didn't stick in November and how to bounce back for a better December.
Taking a Quick Look Back – Why it's crucial to peek at last month's spending (even if it hurts a bit) to make wiser choices ahead.
December Budgeting 101 – Step-by-step guidance on crafting your December budget before the month kicks off. Avoid the financial scramble and get ahead of the game!
Your Budgeting Lifeline – Dive into our easy-peasy one-page budget template available at myidealbalance.com/budgettemplate. Budgeting made simple and stress-free!
Income & Expenses Shuffle – How to tweak your budget to reflect December's unique income changes and unexpected expenses.
Holiday Spending and Saving Tips – Navigate through Christmas expenses, travel costs, and even saving for upcoming fun in the sun next spring break.
Goal Setting for December – Let's set some achievable, budget-friendly goals for this festive month. Whether it's cutting back on debt or saving for something special, we've got strategies to share.

Timestamps:

[00:00:30] – Diving into December budgeting
[00:02:15] – Reflecting on November's budget blunders
[00:04:00] – Crafting your December budget step by step
[00:06:20] – Shoutout to our one-page budget template
[00:08:10] – Adjusting for December's financial quirks
[00:10:45] – Smart tips for holiday spending
[00:13:30] – Setting up December goals

Calls to Action:

Grab the Budget Template: Visit myidealbalance.com/budgettemplate for your handy budget helper.
Set Your December Goals: What's your financial target this month? Let’s make it happen!
Share Your Budget Wins: We're all in this together! Tell us about your budgeting victories and challenges.

Wrapping Up:

Remember, a budget mishap isn't the end of the world. Each new month, like December, is a fresh chance to get your finances in tune. With a little planning and our trusty budgeting tips, you're all set to end the year on a high note!

4 Ways To Connect With Us:

1️⃣ FREE CALL: Book your FREE 20-Minute Financial Coaching Call now! Get personalized advice and start your financial journey ➡︎ ⁠https://www.budgetbesties.com/freecall⁠

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

3️⃣ BUDGET: Grab our Signature Budget Template! It's your key to organizing and optimizing your finances effectively ➡︎ ⁠https://budgetbesties.com/budget⁠

4️⃣ COACHING: Ready to dive deep into your finances? Sign up for 1-on-1 or Group Financial Coaching. It’s the accountability and guidance you need to make real progress ➡︎ ⁠https://budgetbesties.com/coaching⁠

"I love Shana & Vanessa and this podcast is amazing!" < If that sounds like you, please consider rating and reviewing our show! It helps us to reach more people – just like you – to help them change their financial future. Don’t forget to follow the show so you don’t miss any episodes! And, if you’re feeling really generous, we’d be SO honored if you would share this podcast with someone.

⁠Click here to view our privacy policy.⁠

This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase!

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Use BF100 for $100 Off. <<

The holiday season is here, and with it comes the challenge every festive shopper faces: the Christmas budget. In today's episode, we dive deep into the art of budgeting for the holidays, whether your plan is to spend $500 or $5,000. We understand that budgeting for Christmas can often feel overwhelming, but we're here to guide you through it, step by step.

In This Episode, You’ll Discover:

Why Budgeting for Christmas is Crucial:
Exploring the importance of a well-planned budget during the festive season.
Balancing your holiday aspirations with financial reality.
Community Insights on Christmas Spending:
Results from our Facebook group poll about holiday budgets.
Analysis of spending trends and frugal strategies.
Real vs. Perceived Spending Habits:
Breaking down Google's average spending statistics.
A realistic look at gift budgets for family, friends, and coworkers.
Strategies for Smart Budgeting:
Determining what you can realistically afford to spend.
The importance of staying debt-free and living within your means.
Personal Budgeting Stories:
Real-life examples of how our clients are approaching their holiday spending.
Emphasizing experiences and memories over material gifts.

Why You Should Listen:

If you're wondering whether to stick with your current Christmas spending habits or shift gears, this episode is for you. We'll provide you with the tools and insights to make informed decisions about your holiday budget, ensuring a festive season that's both joyful and financially sound.

4 Ways To Connect With Us:

1️⃣ FREE CALL: Book your FREE 20-Minute Financial Coaching Call now! Get personalized advice and start your financial journey ➡︎ ⁠https://www.budgetbesties.com/freecall⁠

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

3️⃣ BUDGET: Grab our Signature Budget Template! It's your key to organizing and optimizing your finances effectively ➡︎ ⁠https://budgetbesties.com/budget⁠

4️⃣ COACHING: Ready to dive deep into your finances? Sign up for 1-on-1 or Group Financial Coaching. It’s the accountability and guidance you need to make real progress ➡︎ ⁠https://budgetbesties.com/coaching⁠

"I love Shana & Vanessa and this podcast is amazing!" < If that sounds like you, please consider rating and reviewing our show! It helps us to reach more people – just like you – to help them change their financial future. Don’t forget to follow the show so you don’t miss any episodes! And, if you’re feeling really generous, we’d be SO honored if you would share this podcast with someone.

⁠Click here to view our privacy policy.⁠

This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase!

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⁠Snag Our Signature Budget Template!⁠

Welcome to another delightful episode of "Business Besties," where we blend personal stories, business insights, and a touch of humor. Today, we're diving into everything from our questionable fashion choices to tackling big business hurdles, and even sharing our secrets to maintaining work-life balance.

The First Big Hurdle as Business Partners (00:08:20)
Listen to our story about the first major obstacle we faced in our partnership and the valuable lessons we learned from it.
Balancing Business with Family Life (00:16:35)
Discover how we juggle the demands of being entrepreneurs, mothers, and wives, and our strategies for meaningful family time amidst busy schedules.
Debunking Budget Myths (00:24:10)
We tackle common misconceptions about budgeting and finance, sharing insights that could change the way you handle money.
Indulgences and Guilty Pleasures (00:33:50)
From YouTube shorts to dining out, we reveal our personal indulgences that bring joy and relaxation.
Fashion on a Budget: Tips from Non-Fashionistas (00:41:25)
Hear our practical tips on looking put together without breaking the bank, including how to choose timeless pieces and care for your clothes.

4 Ways To Connect With Us:

1️⃣ FREE CALL: Book your FREE 20-Minute Financial Coaching Call now! Get personalized advice and start your financial journey ➡︎ ⁠https://www.budgetbesties.com/freecall⁠

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

3️⃣ BUDGET: Grab our Signature Budget Template! It's your key to organizing and optimizing your finances effectively ➡︎ ⁠https://budgetbesties.com/budget⁠

4️⃣ COACHING: Ready to dive deep into your finances? Sign up for 1-on-1 or Group Financial Coaching. It’s the accountability and guidance you need to make real progress ➡︎ ⁠https://budgetbesties.com/coaching⁠

"I love Shana & Vanessa and this podcast is amazing!" < If that sounds like you, please consider rating and reviewing our show! It helps us to reach more people – just like you – to help them change their financial future. Don’t forget to follow the show so you don’t miss any episodes! And, if you’re feeling really generous, we’d be SO honored if you would share this podcast with someone.

⁠Click here to view our privacy policy.⁠

This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase!

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Snag Our Signature Budget Template!⁠

⁠>> Use BF100 for $100 Off. <<

Hey there, Holiday Enthusiasts!

Are you feeling the Christmas crunch? In this final episode of our 2023 gift-giving series, we're diving deep into the world of holiday budgeting. We know that planning for Christmas can be overwhelming, but don't worry, we've got your back! Get ready to turn your festive stress into financial success.

In Today's Episode, We're Exploring:

The Art of Christmas Budgeting:
Understanding the importance of a well-crafted budget for a peaceful holiday.
Techniques to avoid common financial pitfalls during the festive season.
Your Holiday Budget Planner: A Game Changer:
Introducing our comprehensive planner to manage your holiday expenses seamlessly.
Discover how to budget for everything – from gifts and travel to food and decorations.
Pro Tips for Last-Minute Savers:
Practical advice for those who've waited until the last minute to save.
Strategies to start saving for next Christmas, starting now.
Reflecting on Last Year’s Spending:
Learn from the past to improve your future holiday budgeting.
Gift Giving Without Breaking the Bank:
Navigate the gift-giving season with our expert budgeting advice.
Creative and cost-effective solutions for wrapping and gifting.
Feasting and Travel on a Budget:
How to plan your holiday meals and travel without overspending.
Economical and Creative Decor Ideas:
Deck your halls without draining your wallet: budget-friendly decorating tips.
Looking Back and Moving Forward:
Post-holiday reflections to make your next Christmas even better.

Join us in this episode as we unwrap the secrets to a financially savvy and delightful holiday season. Let's make this Christmas not just merry, but smart and budget-friendly too! 🌟🎅🛍️

4 Ways To Connect With Us:

1️⃣ FREE CALL: Book your FREE 20-Minute Financial Coaching Call now! Get personalized advice and start your financial journey ➡︎ ⁠https://www.budgetbesties.com/freecall⁠

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

3️⃣ BUDGET: Grab our Signature Budget Template! It's your key to organizing and optimizing your finances effectively ➡︎ ⁠https://budgetbesties.com/budget⁠

4️⃣ COACHING: Ready to dive deep into your finances? Sign up for 1-on-1 or Group Financial Coaching. It’s the accountability and guidance you need to make real progress ➡︎ ⁠https://budgetbesties.com/coaching⁠

"I love Shana & Vanessa and this podcast is amazing!" < If that sounds like you, please consider rating and reviewing our show! It helps us to reach more people – just like you – to help them change their financial future. Don’t forget to follow the show so you don’t miss any episodes! And, if you’re feeling really generous, we’d be SO honored if you would share this podcast with someone.

⁠Click here to view our privacy policy.⁠

This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase!

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⁠Snag Our Signature Budget Template!⁠

🎉 Hey, Amazing Listeners! Are you ready to ditch the holiday gift-giving headache this season? Tune in to this super fun and insightful episode where we tackle the all-too-common holiday chaos head-on with systems!

What's in Store for You:

The Holiday Hustle - Real Talk: We get it, friends - the holiday season can be a budget buster and a confusion cauldron! But guess what? You're not alone, and we've got your back!
Gift-Giving: Systemized & Simplified: We're sharing our personal life hacks to make gift-giving a breeze – think easy, breezy, lemon squeezy, but with a meaningful twist!

Our Top Picks for a Stress-Free Holiday:

Picking Names: Great for large families to reduce financial and mental load.
Recurring Gifts: The joy of giving the same cherished item each year.
Bulk Buying: A strategy to save time and money, adding a personal touch.
Themed Gifts: Creating gifts around a central theme for uniformity.
Kids-Only Gifts: Focusing the budget and efforts on children.
Creating Wishlists: Ensuring gifts align with recipients' wishes.
Charity Gift Giving: Opting to give to charities instead of physical gifts.

Sneak Peak Quotes:

"We don't have the brain calories for all that [holiday confusion]." - Real talk about holiday stress.
"You know exactly when and how much you're supposed to be spending." - Simplifying the budgeting puzzle.

Get it while it's on sale:🌟 Budget Template Sale: Snag it with a $100 discount using code 'BF100' till Nov 27th!

We Want to Hear From You!

Seriously, we do! Share your own gift-giving secrets and stories with us at info@myidealbalance.com. Your ideas could be a game-changer for someone else!

Wrapping Up with Love:

Remember, gift-giving should be as joyful as those holiday jingles. Let's make it fun, meaningful, and totally doable this year. And don't forget to grab that budget template - it’s a lifesaver!

4 Ways To Connect With Us:

1️⃣ FREE CALL: Book your FREE 20-Minute Financial Coaching Call now! Get personalized advice and start your financial journey ➡︎ ⁠https://www.budgetbesties.com/freecall⁠

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

3️⃣ BUDGET: Grab our Signature Budget Template! It's your key to organizing and optimizing your finances effectively ➡︎ ⁠https://budgetbesties.com/budget⁠

4️⃣ COACHING: Ready to dive deep into your finances? Sign up for 1-on-1 or Group Financial Coaching. It’s the accountability and guidance you need to make real progress ➡︎ ⁠https://budgetbesties.com/coaching⁠

"I love Shana & Vanessa and this podcast is amazing!" < If that sounds like you, please consider rating and reviewing our show! It helps us to reach more people – just like you – to help them change their financial future. Don’t forget to follow the show so you don’t miss any episodes! And, if you’re feeling really generous, we’d be SO honored if you would share this podcast with someone.

⁠Click here to view our privacy policy.⁠

This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase!

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Exclusive for our listeners, grab our Signature Budget Template for $100 off! Use code: BF100 at checkout.

Welcome back to our Christmas Budgeting Series! In today’s episode, we're embracing the minimalist mantra of "less is more" in holiday gifting.

Episode Highlights:

Ditching Dust Collectors: We discuss moving away from 'just because' gifts that end up as clutter.
Value Over Volume: How to choose gifts that add to the life of the recipient rather than their piles of stuff.
Curio Cabinet Cautionary Tales: We share personal stories about the well-intentioned gifts that become dusty displays, and how we can learn from them.

Today's Takeaway:

Opt for gifts that are meaningful and will be used. We're decluttering one meaningful present at a time!

Defining Clutter-Free Gifts:

We define what a clutter-free gift really means and how to ensure your gifts don’t end up in the graveyard of unwanted items.

Clutter-Free Gift Ideas:

Experience Gifts: Tickets to amusement parks, bowling alleys, escape rooms, or movie nights.
Memberships & Subscriptions: Disney Plus, Hallmark movie subscriptions, Audible, gym memberships, and meal planning services.
Service Gifts: Spa days, haircuts, personal chef services, car detailing, or even financial coaching.
Consumables: Gourmet mustards, coffee, chocolates, essential oils, and soaps—gifts that can be enjoyed and used up.
Classes: Art, dance, martial arts, cooking, or scuba lessons—perfect for engaging and expanding horizons.

Resources:

Check out our podcast series webpage for our full list of 100 clutter-free gift ideas and our Christmas budget planner.

We hope these clutter-free gift ideas inspire you to give presents that will be cherished without adding to the clutter. Tune in tomorrow for more festive insights in our holiday series!

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Get The Christmas Budget Planner & 100 Clutter-Free Gift Ideas Here

Welcome to our Christmas Budgeting Series! In this episode, we're diving into the world of budget-friendly Christmas gifts. We'll explore how you can keep your holiday season joyful and your wallet happy.

Key Ideas:

Budgeting for Gifts: Learn how to plan, shop, and buy gifts with intention while staying on budget.
Creative Gift Strategies: Discover how limitations can spark creativity in your gift-giving.
Empowering Kids with Budgeting: Hear about the joys and lessons learned from letting kids shop for gifts within a budget.
Handmade Gifts: Get inspired by a variety of crafty and personal gift ideas like wood-burned utensils, puzzle blocks, and kitchen towels.
Baking Gifts: Explore the warmth of sharing homemade baked goods as heartfelt gifts.
Coupons and Service Gifts: Understand how coupons for services or special privileges can be a meaningful gift.
Plant Clippings: Learn how a simple plant clipping can become a cherished gift.
School Pictures as Gifts: Rediscover the classic charm of giving school pictures as a personalized gift.
Budgeting Strategies: Gain insights on price matching, avoiding impulse buys, and gifting experiences to save money.

Actionable Tips:

Encourage your kids to participate in gift-giving with a small budget.
Consider handmade gifts for a personal touch.
Use baking as a fun and affordable gift-giving option.
Remember the value of coupons and service-oriented gifts.
Embrace the simplicity and beauty of gifting plant clippings.

Resources:

Visit the series website for downloadable resources, including a Christmas budget planner and a list of 100 clutter-free gift ideas.

We hope these ideas inspire you to give meaningful and budget-friendly gifts this Christmas. Stay tuned for more episodes in our Christmas Budgeting Series, where we'll continue to explore creative and cost-effective ways to celebrate the season.

4 Ways To Connect With Us:

1️⃣ FREE CALL: Book your FREE 20-Minute Financial Coaching Call now! Get personalized advice and start your financial journey ➡︎ ⁠https://www.budgetbesties.com/freecall⁠

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

3️⃣ BUDGET: Grab our Signature Budget Template! It's your key to organizing and optimizing your finances effectively ➡︎ ⁠https://budgetbesties.com/budget⁠

4️⃣ COACHING: Ready to dive deep into your finances? Sign up for 1-on-1 or Group Financial Coaching. It’s the accountability and guidance you need to make real progress ➡︎ ⁠https://budgetbesties.com/coaching⁠

"I love Shana & Vanessa and this podcast is amazing!" < If that sounds like you, please consider rating and reviewing our show! It helps us to reach more people – just like you – to help them change their financial future. Don’t forget to follow the show so you don’t miss any episodes! And, if you’re feeling really generous, we’d be SO honored if you would share this podcast with someone.

⁠Click here to view our privacy policy.⁠

This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase!

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In this episode, we sit down with Erica, a dedicated Christ follower, wife, mother, and life coach specializing in helping anxious and overwhelmed Christian women. Erica shares her journey and insights on how a strong faith and understanding of the Bible can transform our approach to finances and time management.

Key Points:

Erica’s Personal Journey: How her faith and trust in God's word helped her overcome financial struggles and life challenges.
The Biblical Approach to Finances: Understanding the importance of aligning financial decisions with spiritual values, prioritizing tithing, and being a steward of God’s gifts.
Overcoming Worldly Mindsets: Erica discusses shifting from a worldly to a biblical perspective on finances, emphasizing the eternal impact of our decisions.
Practical Steps for Financial Management: The ARC Method (Assess, Release, Create) and its application in developing a healthier financial lifestyle.
Challenges in Coaching: Addressing common obstacles and fears that Christian women face in managing finances and priorities.
The Role of Faith in Financial Decisions: How prayer, gratitude, and biblical principles can guide financial choices and priorities.

Notable Quotes:

“My mission is to get more women in the word of God because it is transformative.”
“Where your treasure is, there your heart is also.”
“It's not just about managing finances; it's about stewarding the resources God has given us.”

Resources Mentioned:

Erica's Podcast: Her Renewed Strength
Online Course: On Heaven’s Timeline
Erica’s Community Workshops on Bible Study and Time Management

Connect with Erica:

Website: Her Renewed Strength
Podcast: Her Renewed Strength Podcast

Erica's insights remind us that our financial decisions are not just practical choices but reflections of our faith and priorities. Her approach to combining biblical wisdom with practical financial management offers a unique perspective for anyone seeking to align their finances with their faith.

4 Ways To Connect With Us:

1️⃣ FREE CALL: Book your FREE 20-Minute Financial Coaching Call now! Get personalized advice and start your financial journey ➡︎ https://www.budgetbesties.com/freecall

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

3️⃣ BUDGET: Grab our Signature Budget Template! It's your key to organizing and optimizing your finances effectively ➡︎ https://budgetbesties.com/budget

4️⃣ COACHING: Ready to dive deep into your finances? Sign up for 1-on-1 or Group Financial Coaching. It’s the accountability and guidance you need to make real progress ➡︎ https://budgetbesties.com/coaching

"I love Shana & Vanessa and this podcast is amazing!" < If that sounds like you, please consider rating and reviewing our show! It helps us to reach more people – just like you – to help them change their financial future. Don’t forget to follow the show so you don’t miss any episodes! And, if you’re feeling really generous, we’d be SO honored if you would share this podcast with someone.

Click here to view our privacy policy.

This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase!

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

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⁠Snag Our Signature Budget Template⁠!

Hey, financial fabulistas! Get ready to dive into the rollercoaster🎢 world of money. Today, we're diving into seven oh-so-common money traps that we ladies often fall into – and how to sashay 💃 around them like the financial queens we are! Let's turn your financial journey from "meh" to "marvelous" with some real-talk advice and actionable steps!

👛 Mistake 1: The 'Budget? What's That?' Blunder

Let's chat about why budgeting feels like a monster under the bed and how avoiding it can really throw your wallet off balance.
Solution Station: Let’s buddy up with budgeting! We’ll show you some super simple, downright fun tools and templates that make budgeting feel like a breeze.

💸 Mistake 2: The 'I Thought I Had More' Miscalculation

Ever felt like you're not putting enough in the piggy bank? We're diving into the tricky trap of under-budgeting and its ouchy outcomes.
Solution Station: Time for some regular money dates with your budget! We're talking realistic spending limits that don’t feel like a straightjacket.

🛍️ Mistake 3: The 'Just Couldn't Resist' Impulse Buy

Ever been lured by that spontaneous purchase? We're exploring how these unplanned splurges can send your financial plans off the rails.
Solution Station: We've got some neat tricks up our sleeve, like the 24-hour "think it over" rule and a nifty budget impact analysis.

💬 Mistake 4: The 'Let’s Not Talk About It' Money Chat

Discussing finances with your partner can feel like walking on eggshells, right? But it’s super important.
Solution Station: Turn budget talks into date nights! Seriously, it’s a game-changer. Make financial planning fun and cozy.

💳 Mistake 5: The 'Swipe Now, Stress Later' Credit Card Conundrum

Let’s dissect why relying on credit cards like they’re your BFF can backfire big time.
Solution Station: We're schooling you on using budgeting as your secret weapon against credit card chaos.

😳 Mistake 6: The 'I'm Not Good at This' Guilt

Feeling shame about where you are with your money smarts? You're not alone.
Solution Station: It's time to embrace the journey! Everyone starts somewhere, and learning about finances is definitely a 'patience and persistence' kind of deal.

🌟 Wrap-Up:

There you have it, ladies – seven classic money oopsies and how to elegantly sidestep each one. Remember, managing your moolah is a skill, and like any skill, it takes a bit of practice, some laughs, and a whole lot of patience. Let's turn those financial faux pas into fabulous wins. You’ve got this! 💪💖💰Want more?

4 Ways To Connect With Us:

1️⃣ FREE CALL: Book your FREE 20-Minute Financial Coaching Call now! Get personalized advice and start your financial journey ➡︎ https://www.budgetbesties.com/freecall

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

3️⃣ BUDGET: Grab our Signature Budget Template! It's your key to organizing and optimizing your finances effectively ➡︎ https://budgetbesties.com/budget

4️⃣ COACHING: Ready to dive deep into your finances? Sign up for 1-on-1 or Group Financial Coaching. It’s the accountability and guidance you need to make real progress ➡︎ https://budgetbesties.com/coaching

"I love Shana & Vanessa and this podcast is amazing!" < If that sounds like you, please consider rating and reviewing our show! It helps us to reach more people – just like you – to help them change their financial future. Don’t forget to follow the show so you don’t miss any episodes! And, if you’re feeling really generous, we’d be SO honored if you would share this podcast with someone.

Click here to view our privacy policy.

This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase!

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

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Today we're talking with our friend Sam as we explore the powerful intersection of faith and finances. 🙏💰

📜 Key Takeaways:

Love of Money vs. Money Itself: It's crucial to distinguish between the love of money and money itself. Let faith guide your financial decisions, and don't let worries about money distract you from your faith journey. 🤝❤️
Biblical Stewardship: Discover the timeless concept of stewardship, recognizing that we're entrusted with God's resources. Learn the value of being good stewards and how it can positively impact your financial path. 💼🌟
Parable of the Talents: Explore the parable of the talents as a metaphor for multiplying your resources. Find inspiration in how you can make your financial resources grow with wisdom and purpose. 🌱💪
Overcoming Financial Stress: Hear a real success story from a client who initially felt overwhelmed but achieved financial stability through budgeting. You're not alone in your financial journey, and taking that first step is key. 🚀🌈
Budgeting & Financial Planning: Understand the importance of budgeting and financial planning, whether you're a seasoned pro or a newbie. The hosts encourage you to take that all-important first step toward financial control. 💡📊

Join the conversation and take that empowering first step toward financial freedom with Sam, Shana, and Vanessa. Your faith and finances can work hand in hand to build a brighter future! 🌟🙌

Get the Digital Envelope System We Talked About Here!

4 Ways To Connect With Us:

1️⃣ FREE CALL: Book your FREE 20-Minute Financial Coaching Call now! Get personalized advice and start your financial journey ➡︎ https://www.budgetbesties.com/freecall

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

3️⃣ BUDGET: Grab our Signature Budget Template! It's your key to organizing and optimizing your finances effectively ➡︎ https://budgetbesties.com/budget

4️⃣ COACHING: Ready to dive deep into your finances? Sign up for 1-on-1 or Group Financial Coaching. It’s the accountability and guidance you need to make real progress ➡︎ https://budgetbesties.com/coaching

"I love Shana & Vanessa and this podcast is amazing!" < If that sounds like you, please consider rating and reviewing our show! It helps us to reach more people – just like you – to help them change their financial future. Don’t forget to follow the show so you don’t miss any episodes! And, if you’re feeling really generous, we’d be SO honored if you would share this podcast with someone.

Click here to view our privacy policy.

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Hey there, lovely listeners! 🎧 Today we're back with a story from our clients Jordan and Rosi, a couple from Michigan.

They talk about how they initially had concerns about working with a coach, such as the coach being too strict or not tailored to their needs, as well as the cost. Spoiler alert: those concerns didn't come true, and they found the coaching experience to be positive and tailored to their unique situation.

They discuss the importance of setting up budgeting buckets and how it has helped them save for various expenses, making their financial management less stressful. Rosi enjoys having her own spending money and Jordan appreciates having a clear plan for their finances.

The couple also highlighted their biggest win, which was improving their communication about money. They used to have heated arguments about finances, but now they can discuss their financial goals in a healthy and pleasant way.

They're also telling you about what they've done to pay off $16,000 in debt while still spending, traveling and paying for fantasy football.

Mindfulness & Financial Clarity: Ever wondered how budgeting can change your life? We dive deep into how it made Jordan & Rosi more mindful and laser-focused on their financial goals. Plus, they spill the beans on his 'saver' tendencies and her 'spender' enthusiasm!
Teaching Kids About Money: Get ready for a dose of parenting wisdom as they share how they've started educating their kiddos about money.
Switching to Debit Cards: Say goodbye to credit card stress! We'll walk you through their decision to switch to debit cards and why it's made them happier and less worried about their finances.
Teamwork & Marriage Improvement: Listen to Jordan and Rosi's story about the magic that happens when you work together as a team to manage your money.
Incorporating Faith into Finances: Their faith is a cornerstone of their journey, and they share how it's played a pivotal role in their financial success.
Encouragement for You: Feeling stuck or overwhelmed by money? We've got your back! Listen to their heartfelt advice as they encourage you to seek financial coaching, tackle money issues in your relationships, and collaborate with people who are honest and who truly care.
Feeling Content: Sacrifices are part of the journey, but guess what? They feel content with the amount they have to spend and the amount they are saving, and you can too!
Investment in Ourselves: Find out why Rosi & Jordan see financial coaching as an investment in themselves and their marriage, and how it's paying off in more ways than they could have imagined.

So, grab your favorite beverage, get comfy, and let's chat about real-life finances, parenting hacks, and how faith can fuel your financial journey. We're here to inspire you to take control of your finances and create a life you love. 🌟

4 Ways To Connect With Us:

1️⃣ FREE CALL: Book your FREE 20-Minute Financial Coaching Call now! Get personalized advice and start your financial journey ➡︎ https://www.budgetbesties.com/freecall

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

3️⃣ BUDGET: Grab our Signature Budget Template! It's your key to organizing and optimizing your finances effectively ➡︎ https://budgetbesties.com/budget

4️⃣ COACHING: Ready to dive deep into your finances? Sign up for 1-on-1 or Group Financial Coaching. It’s the accountability and guidance you need to make real progress ➡︎ https://budgetbesties.com/coaching

"I love Shana & Vanessa and this podcast is amazing!" < If that sounds like you, please consider rating and reviewing our show! It helps us to reach more people – just like you – to help them change their financial future. Don’t forget to follow the show so you don’t miss any episodes! And, if you’re feeling really generous, we’d be SO honored if you would share this podcast with someone.

Click here to view our privacy policy.

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Tired of spending hours managing your finances? Wish you could automate the process to save time and money? Well, you're in luck! In this podcast, we'll show you how to automate your finances so that your money works for you, not the other way around. We'll cover everything from setting up a budget to automating your bills and investments. So whether you're a complete beginner or a seasoned financial expert, there's something for everyone in this episode.

Benefits of Automating Your Finances

There are many benefits to automating your finances. Here are just a few:

Save time. No more logging into your bank account to pay bills or transfer money. Everything will be done automatically.
Reduce stress. Worrying about your finances can take a toll on your mental health. Automating your finances can help you take a step back and relax.
Increase your chances of success. When your finances are automated, you're more likely to stick to your budget and reach your financial goals.

How to Automate Your Finances

Automating your finances is easier than you think. Here are the steps you need to take:

Create a budget. This is the foundation for all your financial decisions, including automation.
Set up direct deposit. This will ensure that your paycheck is automatically deposited into your checking account.
Create separate accounts for bills, spending, and savings. This will help you keep your finances organized and make it easier to automate payments.
Set up recurring transfers. This will automatically transfer money from your checking account to your bills, spending, and savings accounts.
Invest your money. This is a great way to grow your wealth over the long term. You can automate your investments by setting up a regular contribution to a retirement account or investing in a robo-advisor.

Tips for Automating Your Finances

Here are a few additional tips to help you automate your finances successfully:

Choose the right tools. There are many online tools and apps that can help you automate your finances. Research the different options and choose one that meets your needs.
Start small. Don't try to automate everything at once. Start with one or two tasks and gradually add more as you get comfortable.
Be flexible. Your financial situation may change over time. Be prepared to adjust your automation settings as needed.

4 Ways To Connect With Us:

1️⃣ FREE CALL: Book your FREE 20-Minute Financial Coaching Call now! Get personalized advice and start your financial journey ➡︎ https://www.budgetbesties.com/freecall

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

3️⃣ BUDGET: Grab our Signature Budget Template! It's your key to organizing and optimizing your finances effectively ➡︎ https://budgetbesties.com/budget

4️⃣ COACHING: Ready to dive deep into your finances? Sign up for 1-on-1 or Group Financial Coaching. It’s the accountability and guidance you need to make real progress ➡︎ https://budgetbesties.com/coaching

"I love Shana & Vanessa and this podcast is amazing!" < If that sounds like you, please consider rating and reviewing our show! It helps us to reach more people – just like you – to help them change their financial future. Don’t forget to follow the show so you don’t miss any episodes! And, if you’re feeling really generous, we’d be SO honored if you would share this podcast with someone.

Click here to view our privacy policy.

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⁠⁠Snag Our Signature Budget Template⁠!⁠

👋 Hey there, amazing listeners! Are you ready to take your budgeting skills from beginner to pro? If you've ever felt stuck or paralyzed when it comes to budgeting and wondered when to start saving or paying off debt, you're in the right place! We're here to guide you through the steps to level up your budgeting game. Let's go from that initial budget creation to building a legacy. 🚀

👩‍👧‍👦 Let's talk about the three phases of budgeting – Beginner, Middle, and Pro!

Beginner Budgeting - Getting Started:

Many of our clients and listeners have never started a budget or found it hard to stick to one. Don't worry; you're not alone!
The first step is to get on a budget, and we're here to help you with that.
Start by creating a Bills Account where you'll pay your bills and debt from your income.
Separate your bills from your spending and focus on minimal spending. Ask yourself, "What do I absolutely need?"
Keep your spending categories minimal at the beginning – pocket money, restaurant expenses, gas, and groceries.
Create wiggle room in your budget by cutting unnecessary expenses and putting extra money toward debt.

Middle Budgeting - Learning and Perfecting:

In the middle phase, you're still learning, but you're not a beginner anymore.
Perfect your Paycheck Plan: Deposit your income into a Bills Account, then allocate it to spending and savings.
Implement automation to fund your categories automatically.
Add minimal savings buckets for immediate needs like holidays, car maintenance, and birthdays.
Start identifying and planning for "unexpected" expenses ahead of time.
Continue to pay off debt while building good budgeting habits.

Pro Budgeting - Graduating to Pro Status:

Congratulations! You've graduated to the Pro level of budgeting.
Fully fund your savings buckets and plan for expenses 12 months ahead.
Consider ramping up your investments, like increasing contributions to retirement plans or starting a Roth IRA.
Refine your spending habits and reduce unnecessary expenses.
Have conversations about responsible spending with your kids and teach them about budgeting.
Enjoy the freedom of being more generous, whether it's giving to causes you care about or helping your kids with their financial future.
Dream big and set ambitious financial goals, watching your net worth grow and securing your financial future.

🏦 Remember, you're the boss of your money now, and you can make it work for you!

🚀 Ready to level up your budgeting game? Grab our Budget Power Hour at myendobalance.com/workshop and take control of your financial future. You've got this! 💪

Thanks for joining us today on this budgeting journey. We hope you found this episode helpful and empowering. Until next time, keep budgeting, keep growing, and keep smiling! 😊🌟

4 Ways To Connect With Us:

1️⃣ FREE CALL: Book your FREE 20-Minute Financial Coaching Call now! Get personalized advice and start your financial journey ➡︎ https://www.budgetbesties.com/freecall

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

3️⃣ BUDGET: Grab our Signature Budget Template! It's your key to organizing and optimizing your finances effectively ➡︎ https://budgetbesties.com/budget

4️⃣ COACHING: Ready to dive deep into your finances? Sign up for 1-on-1 or Group Financial Coaching. It’s the accountability and guidance you need to make real progress ➡︎ https://budgetbesties.com/coaching

"I love Shana & Vanessa and this podcast is amazing!" < If that sounds like you, please consider rating and reviewing our show! It helps us to reach more people – just like you – to help them change their financial future. Don’t forget to follow the show so you don’t miss any episodes! And, if you’re feeling really generous, we’d be SO honored if you would share this podcast with someone.

Click here to view our privacy policy.

This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase!

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In this episode, we're diving deep into a fantastic case study of how one couple successfully got out of debt, leveled up their budget, and achieved financial freedom. Get ready to be inspired and take away some actionable tips for your own financial journey!

🚀 Intro

Have you ever wanted a real-life case study on getting out of debt and mastering your budget?
Join us as we walk you through the journey of one of our clients who did just that!

💪 Taking Control

Meet our awesome clients who decided it was time to tackle their financial challenges head-on.
They had good income but nothing to show for it, a common struggle for many.

💡 Discovering the Path

Learn how they found us, took a free call, and decided to embark on their financial transformation.
Their starting point: $9,600 monthly income, 11 debts, $2,600 in savings, and $689 in monthly debt payments.

🤔 Identifying the Issues

Understand the challenges they faced, despite their good income.
Discover how their finances were separate, and they lacked basic budgeting skills.

🏆 Setting Goals

Explore their financial aspirations, including a five-year net worth goal of $150,000 and the desire for financial freedom.
They wanted to teach their kids to manage money wisely from the start.

💰 Taking Action

See the steps they took to turn things around in just two months.
Cutting expenses, merging phone plans, and optimizing their bills were among their strategies.

🧾 Budgeting Made Easy

Learn about the power of a well-organized budget, and how they used it to their advantage.
The budget not only tracked expenses but also projected their financial future.

🙌 Success Achieved

Celebrate their victories, including paying off $12,192 in debt and reducing their minimum debt payments.
Witness their journey from 11 debts to just four, making their finances more manageable.

🌟 Reaping the Rewards

Discover how they upped their emergency fund and embraced saving habits.
Witness their transformation from financial stress to peace of mind.

🍽️ A Funny Moment

Enjoy a humorous story about cutting up credit cards when they couldn't even find theirs because they'd stopped using them!

👨‍🍳 Unexpected Roles

Find out how the husband took charge of meal planning and meal prep, surprising everyone with his newfound skills.

--

4 Ways To Connect With Us:

1️⃣ FREE CALL: Book your FREE 20-Minute Financial Coaching Call now! Get personalized advice and start your financial journey ➡︎ https://www.budgetbesties.com/freecall

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

3️⃣ BUDGET: Grab our Signature Budget Template! It's your key to organizing and optimizing your finances effectively ➡︎ https://budgetbesties.com/budget

4️⃣ COACHING: Ready to dive deep into your finances? Sign up for 1-on-1 or Group Financial Coaching. It’s the accountability and guidance you need to make real progress ➡︎ https://budgetbesties.com/coaching

"I love Shana & Vanessa and this podcast is amazing!" < If that sounds like you, please consider rating and reviewing our show! It helps us to reach more people – just like you – to help them change their financial future. Don’t forget to follow the show so you don’t miss any episodes! And, if you’re feeling really generous, we’d be SO honored if you would share this podcast with someone.

Click here to view our privacy policy.

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📌Get the Christmas Budget Planner Here!⁠

Today, we're diving into some real talk about holiday finances and other money matters you need to know. Grab your notepad because we're sharing some eye-opening lessons straight from our coaching sessions. You might see a bit of your own story in here! 💁‍♀️

Topics Covered:

🎅 Budgeting for Christmas like a Boss!

"Holiday traditions shouldn’t leave a New Year debt hangover!" 🍾💸
Real Client Story: Learn from a mom who's saving $2,000 for a debt-free Christmas vacation!

Financial freedom can allow you to quit your 9-to-5 and pursue your dream job.

"Dream jobs start with dream budgets, babe!" 💼✨
Real Client Story: How getting out of debt led one client to her dream job in New York!

Ever heard of cancer insurance? Should you jump on the bandwagon? 🤔

"Be insured, not unsure!" 🛡️
Real Client Story: An insurance hiccup that almost messed up one client's budget.

🌟 Client Wins 🌟:

First-time debt-free Christmas vacations 🏂
Setting aside money on purpose for the holiday season 🎁
Making BIG career moves, thanks to a debt-free lifestyle! 💪

Action Items:

Use a mock budget to explore job possibilities and life changes.
Before adding random insurances like "cancer insurance," consult your financial coach (that's us, ya'll!) 📋🖊️

Listen, friends, if our clients can do it, so can you! Take these lessons and use 'em to give yourself the gift of financial freedom this holiday season. Let's toast to making wise money choices that let us jingle all the way to the bank! 🥂💰

Don't forget to subscribe, share this episode, and leave us a review. We can't wait to help you conquer your money goals. Until next time! 😘

Christmas Budgeting, Paying Off Debt, Choosing Insurance, Financial Freedom, Client Stories, Holiday Spending, Financial Coaching for Women, Debt-Free Holidays, Money Management Tips, How to Budget

⁠⁠4 Ways To Connect With Us:

1️⃣ FREE CALL: Book your FREE 20-Minute Financial Coaching Call now! Get personalized advice and start your financial journey ➡︎ https://www.budgetbesties.com/freecall

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

3️⃣ BUDGET: Grab our Signature Budget Template! It's your key to organizing and optimizing your finances effectively ➡︎ https://budgetbesties.com/budget

4️⃣ COACHING: Ready to dive deep into your finances? Sign up for 1-on-1 or Group Financial Coaching. It’s the accountability and guidance you need to make real progress ➡︎ https://budgetbesties.com/coaching

"I love Shana & Vanessa and this podcast is amazing!" < If that sounds like you, please consider rating and reviewing our show! It helps us to reach more people – just like you – to help them change their financial future. Don’t forget to follow the show so you don’t miss any episodes! And, if you’re feeling really generous, we’d be SO honored if you would share this podcast with someone.

Click here to view our privacy policy.

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In this podcast episode we are going to walk you through setting up your November budget! With the holiday season coming up, it's crucial to have a solid budget in place.

One thing we stress is the importance of adjusting your budget as things change. Whether it's a change in income, bills, or spending habits, it's essential to stay on top of your budget and make necessary adjustments. And of course, with the holidays approaching, it's crucial to plan ahead for those extra expenses.

We've got some great tips and advice on how to avoid going into debt during the holiday season. We'll talk about getting creative with gift-giving and even starting a Christmas fund. Trust us, these strategies can make a huge 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.budgetbesties.com/freecall

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

3️⃣ BUDGET: Grab our Signature Budget Template! It's your key to organizing and optimizing your finances effectively ➡︎ https://budgetbesties.com/budget

4️⃣ COACHING: Ready to dive deep into your finances? Sign up for 1-on-1 or Group Financial Coaching. It’s the accountability and guidance you need to make real progress ➡︎ https://budgetbesties.com/coaching

"I love Shana & Vanessa and this podcast is amazing!" < If that sounds like you, please consider rating and reviewing our show! It helps us to reach more people – just like you – to help them change their financial future. Don’t forget to follow the show so you don’t miss any episodes! And, if you’re feeling really generous, we’d be SO honored if you would share this podcast with someone.

Click here to view our privacy policy.

This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase!

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Be The First To Know About Our New Product!

Hey there, fabulous listeners! Welcome back to another episode where we spill the tea on all things financial coaching and friendship. We're Vanessa and Shana, and today, we're taking you behind the scenes of our exciting journey.

Join us as we dive into what makes our podcast a hit—our unwavering friendship and authenticity. We spill the beans on how this dynamic duo came together not just as business partners but as best friends. Our podcast is all about being relatable and authentic, making financial topics judgment-free and accessible. We share the secrets behind our success in reaching thousands of you every week.

Now, let's talk about work-life balance. We're all about that sunshine and fresh air here in sunny Navarre, Florida, and it plays a huge role in our work ethic and style. We'll give you a glimpse of how we balance our professional and personal lives, from beach walks to the occasional power nap.

But it's not all sunshine and rainbows. We also discuss how we manage disagreements, and yes, we've had a few spats along the way. But hey, who hasn't? Our key is effective communication and keeping score off the table.

And speaking of exciting news, we've got a special project in the works just in time for Christmas. It's a meaningful and educational gift for the younger generation, designed to set them on the path to financial wellness. Get ready for a sneak peek into what's coming your way.

Join us for an episode filled with heartwarming stories, valuable insights, and a whole lot of laughter. We're here to inspire you, empower you, and maybe even make you smile a little. So, tune in and be part of our journey as we empower women to take control of their finances and transform their lives.

4 Ways To Connect With Us:

1️⃣ FREE CALL: Book your FREE 20-Minute Financial Coaching Call now! Get personalized advice and start your financial journey ➡︎ https://www.budgetbesties.com/freecall

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

3️⃣ BUDGET: Grab our Signature Budget Template! It's your key to organizing and optimizing your finances effectively ➡︎ https://budgetbesties.com/budget

4️⃣ COACHING: Ready to dive deep into your finances? Sign up for 1-on-1 or Group Financial Coaching. It’s the accountability and guidance you need to make real progress ➡︎ https://budgetbesties.com/coaching

"I love Shana & Vanessa and this podcast is amazing!" < If that sounds like you, please consider rating and reviewing our show! It helps us to reach more people – just like you – to help them change their financial future. Don’t forget to follow the show so you don’t miss any episodes! And, if you’re feeling really generous, we’d be SO honored if you would share this podcast with someone.

Click here to view our privacy policy.

This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase!

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Alright, Dave Ramsey fans, let's dive into the topic of using cash and whether it's the right choice for your budget and finances. In this episode, we're going head-to-head with Dave on some key points, and here's a sneak peek of what's to come:

📬 Cash Envelope System: Dave Ramsey loves it, and so do we! But is it the ultimate budgeting method, or are there other tricks up our sleeves?

💳 Digital Envelopes: We'll spill the beans on why digital envelopes might just be your ticket to budgeting success, alongside the trusty cash method.

💸 Impulse Buys: Cash has a way of curbing those impulse purchases, but can we agree with Dave on how effective it truly is?

💡 No Hidden Fees: We're all about taking control of our finances, but are cash payments the only way to dodge those sneaky fees?

🛍️ Delayed Gratification: Dave praises cash for fostering this skill, but is there more to the story?

💳 Credit Card Rewards: Are we on the same page as Dave when it comes to credit card rewards, or do we have a different take on the matter?

💼 Inconvenience: Can we convince you that a little inconvenience might be the secret sauce to financial success?

💳 Credit History: We're sharing our thoughts on building credit without credit cards. Are we in line with Dave's wisdom?

🛡️ Safety Concerns: Is carrying cash really safer than the plastic in your wallet, or is there more to consider?

📱 Apps and Syncing: We'll discuss whether going old school with cash is the way to go, or if there's a modern twist we recommend.

Join us in this episode as we unpack the pros and cons of using cash in your financial journey. Will we see eye to eye with Dave Ramsey, or will there be some friendly differences of opinion? Tune in to find out and take charge of your financial future! 💰✉️📊 #CashIsKing #BudgetingWithCash #DaveVsUs

4 Ways To Connect With Us:

1️⃣ FREE CALL: Book your FREE 20-Minute Financial Coaching Call now! Get personalized advice and start your financial journey ➡︎ https://www.budgetbesties.com/freecall

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

3️⃣ BUDGET: Grab our Signature Budget Template! It's your key to organizing and optimizing your finances effectively ➡︎ https://budgetbesties.com/budget

4️⃣ COACHING: Ready to dive deep into your finances? Sign up for 1-on-1 or Group Financial Coaching. It’s the accountability and guidance you need to make real progress ➡︎ https://budgetbesties.com/coaching

"I love Shana & Vanessa and this podcast is amazing!" < If that sounds like you, please consider rating and reviewing our show! It helps us to reach more people – just like you – to help them change their financial future. Don’t forget to follow the show so you don’t miss any episodes! And, if you’re feeling really generous, we’d be SO honored if you would share this podcast with someone.

Click here to view our privacy policy.

This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase!

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⁠⁠Snag Our Signature Budget Template⁠!⁠

Hey there, fabulous listeners! 👋 In this episode, we're diving deep into the world of spending and how to get a grip on it. 💸 We've got some eye-opening stories to share, actionable steps, and a whole lot of budgeting wisdom coming your way. Let's get started! 🚀

We had a client who didn't realize she was spending $2,675 a month without accounting for bills, savings, or debt payments! Sound familiar? 🙋‍♀️ Overspending or random spending is more common than you think.

Creating a Personal Spending Budget: 💰 Step one in taking control of your spending is figuring out what you're already spending. Track your expenses for 90 days and use highlighters to categorize them. It's an eye-opener!
Spending with Purpose: 🤝 Step two is creating a personal spending budget. This is your pocket money category, a guilt-free zone for spending on things you love. It's all about being in control and spending with intention.
Planning for the Expected:* 🗓️ We challenge the idea of "unexpected expenses." With proper planning, most of these so-called unexpected costs can be anticipated and budgeted for. From car maintenance to birthdays, we've got you covered.
Savings Buckets: 💼 Start planning ahead for regular expenses like Christmas or back-to-school shopping. These are like little savings buckets to dip into when needed.
A Balanced Approach: ⚖️ We believe both partners should have their own personal spending budget, and it should be a mutually agreed-upon amount. It's all about teamwork.
The Freedom to Spend: 🙌 When you have a clear budget and personal spending categories, you'll feel more in control and less stressed about spending. It even reduces emotional spending!

Remember, taking control of your spending is empowering, not restrictive. It's about creating a plan that gives you the freedom to spend on what truly matters to 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.budgetbesties.com/freecall

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

3️⃣ BUDGET: Grab our Signature Budget Template! It's your key to organizing and optimizing your finances effectively ➡︎ https://budgetbesties.com/budget

4️⃣ COACHING: Ready to dive deep into your finances? Sign up for 1-on-1 or Group Financial Coaching. It’s the accountability and guidance you need to make real progress ➡︎ https://budgetbesties.com/coaching

"I love Shana & Vanessa and this podcast is amazing!" < If that sounds like you, please consider rating and reviewing our show! It helps us to reach more people – just like you – to help them change their financial future. Don’t forget to follow the show so you don’t miss any episodes! And, if you’re feeling really generous, we’d be SO honored if you would share this podcast with someone.

Click here to view our privacy policy.

This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase!

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

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⁠⁠Snag Our Signature Budget Template⁠!⁠

👉 Ready to level up your gift game? 🎧 Hello, you fabulous listeners! 🌟 Ever feel like your financial life is a giant puzzle, and you can’t find the right pieces? Whether you’re pinching pennies on vacations or swamped with business expenses, Jake, our guest for today, has been there, done that. And guess what? He's turning it all around, and he's here to share how. 🎉---🎯 What to Expect:1. Jake's 'Aha!' Moments 🤯: Jake spills the tea on how he discovered the 'holes in the boat' of his business finances. Spoiler alert: it involves unused subscriptions and tax surprises.2. Taxes Don't Have to Be Scary 📊: If the word 'taxes' makes you break out in a cold sweat, grab a cozy blanket because Jake shares how tackling this financial beast actually set him free. 💕3. Baby Steps for Big Wins 💡: Get your pens ready! We've got actionable tips that can make a difference for you starting TODAY. No marathons here, just a comfy pace you can keep up with. 🚶‍♀️4. Teamwork Makes the Dream Work 🤝: Jake had some help on his financial journey, and he's here to tell you why two (or more) heads are better than one when navigating the money maze.5. Goals & Dreams 😄: What's all this hard work for if not to enjoy life a little more? From wellness retreats to giving himself a raise, Jake shows us how the financial grind can lead to some pretty cool rewards. 🏖️---So what are you waiting for? Hit that play button, grab a notepad, and let’s turn those financial question marks into money moves! 🎧🎉💕4 Ways To Connect With Us:

1️⃣ FREE CALL: Book your FREE 20-Minute Financial Coaching Call now! Get personalized advice and start your financial journey ➡︎ https://www.budgetbesties.com/freecall

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

3️⃣ BUDGET: Grab our Signature Budget Template! It's your key to organizing and optimizing your finances effectively ➡︎ https://budgetbesties.com/budget

4️⃣ COACHING: Ready to dive deep into your finances? Sign up for 1-on-1 or Group Financial Coaching. It’s the accountability and guidance you need to make real progress ➡︎ https://budgetbesties.com/coaching

"I love Shana & Vanessa and this podcast is amazing!" < If that sounds like you, please consider rating and reviewing our show! It helps us to reach more people – just like you – to help them change their financial future. Don’t forget to follow the show so you don’t miss any episodes! And, if you’re feeling really generous, we’d be SO honored if you would share this podcast with someone.

Click here to view our privacy policy.

This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase!

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

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⁠⁠Snag Our Signature Budget Template⁠!⁠

🎙️ In this power-packed episode, we're diving into the world of military finances and retirement planning. Whether you're currently serving, a veteran, or just curious about how to navigate the financial landscape in the armed forces, we've got you covered. Plus, this episode will be great if you or someone you love is considering going into the military.

🇺🇸 Budgeting in the Military: Tips and Personal Experiences

We start by discussing the unique financial challenges faced by military personnel, from predatory financial services near bases to the lack of structured financial education.
Our guest, Chris Roberson (Shana's husband), a military veteran with over 20 years of service in the Air Force, shares valuable insights and practical tips for managing your finances while serving.
Learn about practical budgeting tips like using allotments to automatically manage expenses and creating a separate bills account with auto-drafts.
We explore personal finance strategies, from frugal spending during temporary duty assignments to leveraging additional allowances.
Discover the wisdom of using government travel cards to instill financial responsibility.

💼 Maximizing Your Military Finances and Retirement Planning

We share our experiences with making extra money during military moves, emphasizing the benefits of a do-it-yourself move.
Dive into retirement planning and the Thrift Savings Plan (TSP), exploring the importance of choosing the right TSP fund and making early, consistent contributions.
Understand the transition to the new retirement system and how to maximize your retirement benefits under the blended system.
Learn about financial independence, retiring early (FIRE), and why it's essential to take control of your financial destiny.

🎓 Navigating Retirement as a Military Service Member

Gain insights into retirement income in the military, medical benefits, the Survivor Benefit Plan, and life insurance options.
Discover the value of the Transition Assistance Program (TAP) and the need to address financial education as part of your transition plan.
Get tips on getting out of debt before leaving the military and making the most of education benefits like the GI Bill.
Learn about the SkillBridge Program, an excellent opportunity to gain civilian work experience while on active duty.
The importance of early financial education is emphasized, helping you set the stage for a smooth transition into civilian life.

🙏 Thanks for joining us for this episode filled with actionable insights and real-world experiences. Whether you're serving, a veteran, or just passionate about mastering your finances, we're here to support you on your journey. Don't forget to subscribe, rate, and leave us a review. Stay tuned for more practical financial advice in our future episodes! 🎧📈

4 Ways To Connect With Us:

1️⃣ FREE CALL: Book your FREE 20-Minute Financial Coaching Call now! Get personalized advice and start your financial journey ➡︎ https://www.budgetbesties.com/freecall

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

3️⃣ BUDGET: Grab our Signature Budget Template! It's your key to organizing and optimizing your finances effectively ➡︎ https://budgetbesties.com/budget

4️⃣ COACHING: Ready to dive deep into your finances? Sign up for 1-on-1 or Group Financial Coaching. It’s the accountability and guidance you need to make real progress ➡︎ https://budgetbesties.com/coaching

"I love Shana & Vanessa and this podcast is amazing!" < If that sounds like you, please consider rating and reviewing our show! It helps us to reach more people – just like you – to help them change their financial future. Don’t forget to follow the show so you don’t miss any episodes! And, if you’re feeling really generous, we’d be SO honored if you would share this podcast with someone.

Click here to view our privacy policy.

This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase!

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⁠⁠Snag Our Signature Budget Template⁠!⁠

Are you ready to flip the script on how your family handles money? You're in the right place. In today's episode, we're diving deep into empowering your kids and teens with financial wisdom. 💪💰

We all know how crucial it is to teach the next generation about money, and we're here to show you that it's never too early (or too late) to get started. 😄

Remember when your child first learned to ride a bike? That feeling of excitement and freedom? Well, we're going to give you the tools to help them experience a similar sense of accomplishment and independence when it comes to their finances.

🌟 Discover how to:

Teach your kids the value of money from a young age.
Replace "we can't afford it" with empowering conversations.
Equip your teens with the knowledge to make their money work for them.

Join us as we unpack practical strategies and relatable examples to make these important lessons not just informative but fun. We're here to help you and your family thrive financially! 💪💵

So, parents, get ready for an episode packed with tips, tricks, and tangible takeaways to raise money-savvy kids. Let's dive in!

Encourage children to learn about money from an early age.
Teach them the concepts of giving, saving, and spending when they receive money.
Help them divide their money into these categories using envelopes or jars.
Avoid using negative phrases like "we can't afford this" or "we're broke."
Instead, focus on making choices and prioritizing spending as a family.
Involve children in budgeting for specific activities like going out to eat or family outings.
Use the envelope method to make it visual and tangible for kids.
Encourage them to contribute financially, like paying for their haircuts, so they learn about expenses.
Empower children by showing them the long-term possibilities of saving and investing their money.
Teach them the power of compounding and how they can become millionaires by starting to save early.
Consider more lucrative savings options like money market accounts to make their money work for them.
Challenge children to take more responsibility and think about their financial future.
Help them understand that their money can grow and provide financial security.

We also discussed the importance of encouraging kids to pay for their expenses, including things like summer camps, personal items, and eventually larger expenses like car insurance and college.

These strategies aim to build positive financial habits and financial literacy in children and empower them to make informed choices about money. 💪💵😄

Get the digital envelope system here.

4 Ways To Connect With Us:

1️⃣ FREE CALL: Book your FREE 20-Minute Financial Coaching Call now! Get personalized advice and start your financial journey ➡︎ https://www.budgetbesties.com/freecall

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

3️⃣ BUDGET: Grab our Signature Budget Template! It's your key to organizing and optimizing your finances effectively ➡︎ https://budgetbesties.com/budget

4️⃣ COACHING: Ready to dive deep into your finances? Sign up for 1-on-1 or Group Financial Coaching. It’s the accountability and guidance you need to make real progress ➡︎ https://budgetbesties.com/coaching

"I love Shana & Vanessa and this podcast is amazing!" < If that sounds like you, please consider rating and reviewing our show! It helps us to reach more people – just like you – to help them change their financial future. Don’t forget to follow the show so you don’t miss any episodes! And, if you’re feeling really generous, we’d be SO honored if you would share this podcast with someone.

Click here to view our privacy policy.

This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase!

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⁠Grab the Grocery Budget Challenge Checklist⁠

Why is money called dough? Because we all knead it!

Woohoo, welcome to another exciting episode, folks! 🎙️ This time, we're peeling back the curtain on the thrilling world of grocery shopping with our special guest, Marc Porten, Vanessa's husband! 🌟 (he loves Dad jokes)

👨‍🍳 Marc is sharing his his 27-year experience in the food retail industry and he's dropping some major wisdom bombs on grocery savings. 💣💡

🧾 Learn the art of shopping with a budget, planning meals, and hunting for those sweet, sweet deals! 🎯🛒
🤑 Shop the Ad! Discover the magic of market ground beef! Keep that chicken skin on for flavor and savings. 🍗
🍔 Speaking of meat, Marc shares how less expensive cuts can be just as tasty. Cha-ching! 💰
🥩 Time to reveal the secret of store brands - they're often just as good, and you can save a bundle! 🛍️
📦 Buying in bulk can be a money-saver, but remember, no hoarding perishables! Keep it smart. 🤓
🛍️ Perk programs at stores? They're like your little savings sidekick. 🦸‍♂️
🔍 Beware of carrageenan - the sneaky filler in some products that can mess with your food quality! 😱
🎉 We wrap up with some reflections on the ever-growing choices in grocery stores. 🤯

There you go! 🎉 A fun, informative chat on budget-friendly grocery shopping with Marc. Tune in, get savvy, and save some dough! 💰😄🛒 #GroceryGoals

Next Steps > > >

Email us any questions: info@myidealbalance.com

Interested in Coaching? We work 1:1 with clients to do everything we talk about in this show. If you’re interested, click the link below to set up a FREE 30 minute free session with us. We’ll chat, get to know one another and see if coaching is a good option for you! There is no obligation whatsoever on this call, but we will give you some quick wins you can implement immediately to level up your money management!

⁠⁠⁠Book a free 30 minute financial coaching session with us!⁠⁠⁠⁠⁠⁠⁠ ⁠

⁠Join our free Facebook Group!⁠

⁠Visit Our Website⁠

"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!

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

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⁠Grab the Grocery Budget Challenge Checklist⁠

Hey there, amazing listeners! It's Shana and Vanessa, and we're back with another episode of our Grocery Budget Challenge podcast series. Today, we're diving into the world of sales and how you can shop smarter, not harder. 🛒💰

Timing is Everything: First things first, folks, timing is key when it comes to snagging those awesome deals. Sales go in cycles, just like the changing seasons. For example, think about berries—they're super cheap when they're in season, right? 🍓 So pay attention to those cycles and buy when prices are at their lowest.

Frozen Section Magic: And remember, if your favorite produce isn't on sale, check out the frozen section. They pick fruits and veggies at their peak, and you can often score great deals there. It's like Mother Nature's BOGO! ❄️

BOGO Mania: Speaking of BOGO, when something you love and use regularly is on sale, grab as much as you can without turning your house into a storage unit. Buying in bulk when your staples are on sale is a budget superhero move. 💥

Price Comparison: Now, let's talk about comparing prices. Sure, you might always shop at your neighborhood grocery store, but have you considered checking out the stores down the street? You might be surprised at the savings just a few blocks away. Use websites and apps to easily compare prices, and remember, driving 45 minutes to save 20 bucks isn't really saving! 🚗💨

Planning Meals Around Sales: Here's a pro tip—plan your meals around the discounted items you find. If you see a fantastic deal on chicken, start thinking about all the delicious chicken dishes you can whip up that week. It's like meal planning meets bargain hunting. 🍗🍽️

Be Flexible: Sometimes, you'll stumble upon unexpected clearance items or sales that weren't in your original plan. Don't be afraid to adjust your meal plans and take advantage of those deals. It's all about adapting to the savings opportunities that come your way. 🛒🧐

Freeze It: If you bought something on sale but can't use it right away, don't let it go to waste. Freeze it! This way, you've got a freezer stocked with discounted goodies for future meals. ❄️🍴

Stay Focused: Lastly, create a shopping list based on your meal plan and stick to it! Don't get distracted by shiny objects or impulse purchases. Staying focused will help you stay within your budget. 📋💡

So, there you have it! Five days of practical tips to supercharge your grocery budget savings. Head over to myidealbalance.com/food to grab our checklist and start implementing these strategies. And if you have any questions, shoot us an email at info@myidealbalance.com. We're here to help you save money and make your budget dreams come true! 🌟💰

Thanks for tuning in, and stay tuned for more money-saving wisdom coming your 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.budgetbesties.com/freecall

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

3️⃣ BUDGET: Grab our Signature Budget Template! It's your key to organizing and optimizing your finances effectively ➡︎ https://budgetbesties.com/budget

4️⃣ COACHING: Ready to dive deep into your finances? Sign up for 1-on-1 or Group Financial Coaching. It’s the accountability and guidance you need to make real progress ➡︎ https://budgetbesties.com/coaching

"I love Shana & Vanessa and this podcast is amazing!" < If that sounds like you, please consider rating and reviewing our show! It helps us to reach more people – just like you – to help them change their financial future. Don’t forget to follow the show so you don’t miss any episodes! And, if you’re feeling really generous, we’d be SO honored if you would share this podcast with someone.

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

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⁠Grab the Grocery Budget Challenge Checklist⁠

Hey there, amazing ladies! It's Shana & Vanessa, and we're back with Day 4 of our Grocery Budget Challenge podcast series. 🛒💰

Today, we're diving deep into the magic of labels, those little bitty, tiny, small things that hold the key to saving money on your groceries. So buckle up, ladies, and let's empower you to make better choices for both your budget and your wellbeing.

Cost Per Ounce (or Unit) 💲
This is our favorite! It's like a secret weapon. Look at the cost per ounce or unit. It's the same for all brands and sizes, making it easy to find the best deal. No one's going to mess with us when we're reading labels!
Compare Prices Across Products 🧐
Don't just stick to your usual brands; compare prices. You might find a hidden gem that's both budget-friendly and high-quality. Think dish soap, boxed items, or even chicken cuts.
Generic or Store Brands 🛒
Yep, they're often produced in the same place as name brands. So why pay more for fancy packaging? Turn those labels around and see if it's the exact same product.
Ingredients Matter 🧪
Dive into the ingredients list. Check for hidden sugars and additives. If you can't read it or don't recognize the word, consider another option.
Nutritional Value 🍎
Check the label for nutritional information. Are you getting the best bang for your buck? It's not just about saving money; it's about making informed, healthier choices for your family.
Non-Negotiables 🚫
We all have those items we won't budge on (like Vanessa's pickles). It's okay to splurge on your favorites. But for other items, consider store brands.
Eye-Level Trick 👁️
Brands pay for that prime shelf space at eye level. Store brands are often just as good and cheaper. So do a little squat or reach to grab them!
Create a New Shopping List 📝
Based on what you've learned today, update your shopping list with budget-friendly staple items. Mustard, butter, ketchup, almond milk - they all count!
Keep Checking Labels 👀
Don't stop here. Every time you shop, check the cost per unit or ounce. It's part of your new shopping routine.

So there you have it, Day 4 of our Grocery Budget Challenge. Grab that checklist, ladies, and start making those labels work for you. 🛒💪

Come back tomorrow for Day 5, where we'll keep empowering you to save money and make smarter choices for your family. You've got 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.budgetbesties.com/freecall

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

3️⃣ BUDGET: Grab our Signature Budget Template! It's your key to organizing and optimizing your finances effectively ➡︎ https://budgetbesties.com/budget

4️⃣ COACHING: Ready to dive deep into your finances? Sign up for 1-on-1 or Group Financial Coaching. It’s the accountability and guidance you need to make real progress ➡︎ https://budgetbesties.com/coaching

"I love Shana & Vanessa and this podcast is amazing!" < If that sounds like you, please consider rating and reviewing our show! It helps us to reach more people – just like you – to help them change their financial future. Don’t forget to follow the show so you don’t miss any episodes! And, if you’re feeling really generous, we’d be SO honored if you would share this podcast with someone.

Click here to view our privacy policy.

This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase!

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

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⁠Grab the Grocery Budget Challenge Checklist⁠

Hey there, lovely listeners! It's Shana and Vanessa, and we're here to break down all the goodies from our latest podcast episode, Day 3 of our Grocery Budget Challenge. 🛒💰

The Big Secret: Stop Buying Convenience or Junk Food 😱

We hope you're as excited as we are, because today we're dishing out the number one way to supercharge your grocery budget. It's Day 3, and we're diving right in. So, here's the scoop:

The Convenience Trap: Convenience and junk foods may seem like quick fixes, but they often come with a hidden price tag. You're not just paying for the food; you're also paying for the convenience of someone else doing the work for you. 💸🙅‍♀️

💡 Tip: Calculate the cost per serving of your favorite convenience snacks. The difference will surprise you! 💡💰

Upfront Work Pays Off: We get it; there might be some upfront effort involved in ditching convenience foods. But once you make the switch, you'll love the results. Plus, it'll save you time and money in the long run. ⏰💪
Say No to Bottled Water: Get yourself a reusable water bottle. You can find some stylish ones, and they're not just eco-friendly; they're budget-friendly too. No need to pay for someone else to bottle your H2O! 🌊💧
DIY Lunchables: Whether for kids or adults, making your own "Lunchables" is a game-changer. You control the ingredients and quality, and it's usually cheaper. Win-win! 🍱👩‍🍳
Homemade Baby Food: Skip those pricey baby food pouches. You can make your own at home, and it's healthier and more budget-friendly. 👶🍼
Bulk Buying Magic: Think beyond the single-serve items. Buying in bulk and portioning it out yourself saves money and reduces waste. Get creative with reusable containers! 🌽🥜
Frozen Breakfast Alternatives: Instead of those frozen breakfast options, make your own. It's healthier, and you know exactly what goes into it. 🥞🍳
Microwaveable Side Dishes: Convenience comes at a cost, both in terms of your budget and health. Make side dishes from scratch and freeze them if needed. 🍚🥦
Uncrustables Unveiled: Even the iconic Uncrustables can be made at home. It's cheaper, healthier, and you can personalize them to your heart's content. 🥪🥜
Cut Your Own Veggies and Fruits: Pre-cut fruits and veggies may save time, but they're pricier. Embrace the DIY approach, and you'll save money and reduce waste. 🍎🥕

Additional Benefits: By saying goodbye to convenience and junk foods, you'll reduce impulse buys, get more out of your groceries, and have the opportunity to meal plan and prep like a pro. 💡🍽️

Your Action Items: Ready to take action? Here's your checklist:

Identify: List the convenience or junk foods you often buy without thinking. 📝
Discuss: Chat with your family about alternative options. Get their input and buy-in. 👨‍👩‍👧‍👦
Plan: Plan simple, healthy, homemade swaps or different ways to purchase items. 📅🥗

And don't forget to grab your downloadable checklist at myidealbalance.com/food to keep track of your progress. You've got this! See you back for Day 4 of our Grocery Budget Challenge. 💪💵

4 Ways To Connect With Us:

1️⃣ FREE CALL: Book your FREE 20-Minute Financial Coaching Call now! Get personalized advice and start your financial journey ➡︎ https://www.budgetbesties.com/freecall

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

3️⃣ BUDGET: Grab our Signature Budget Template! It's your key to organizing and optimizing your finances effectively ➡︎ https://budgetbesties.com/budget

4️⃣ COACHING: Ready to dive deep into your finances? Sign up for 1-on-1 or Group Financial Coaching. It’s the accountability and guidance you need to make real progress ➡︎ https://budgetbesties.com/coaching

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

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⁠Grab the Grocery Budget Challenge Checklist⁠

Hey there, it's Shana and Vanessa, your financial coaches, back with some awesome takeaways from our podcast episode on stretching your grocery budget by buying in bulk and using subscriptions. Let's dive right into it:

Cost Savings with Buying in Bulk or Subscriptions:
Buying in bulk typically means a lower cost per unit. 🛒💰
You might pay more upfront, but it's cost-effective in the long run. 📦💲
Think strategically about larger purchases, especially staple items. 🤔🍞
Planning for Bulk Purchases:
Plan your grocery budget and identify what items can be bought in bulk. 📅✅
Consider setting up subscriptions for certain products to maintain budget consistency. 📥💳
Subscription Benefits:
Subscriptions help keep your grocery budget consistent. 💳💼
You can set up different bulk items each month to fit your needs. 🗓️📦
Be strategic with subscriptions to save money and avoid overcommitting. 💡🔒
Saving on Quality Products:
Research quality products that are important to you, like coffee or health items. ☕🏋️
Buying these items in bulk or on subscription can lead to significant savings. 🤑🌿
Shared Subscriptions:
Share subscriptions with family or friends to save on shipping and costs. 👭📦
Collaborate to buy items in bulk and split the expenses. 💪🤝
Flexibility Is Key:
Be flexible in your bulk and subscription choices. Not everything needs to be bought in bulk. 🔄👛
Smaller weekly shopping trips for perishables save time and reduce impulse buying. 🛒⏳
Always Be Prepared:
Buying in bulk means you're always stocked up on essentials, reducing the risk of running out. 🙌🧻
Having options readily available encourages healthier meal choices. 🥗💡
Time and Money Saver:
Less frequent trips to the store save both time and gas money. ⛽🕒

Head to myidealbalance.com/food to grab our checklist for making bulk and subscription purchases. ✅✅

Remember, your health is your wealth, and saving on groceries can help you prioritize both! If you have any questions or need more advice, reach out to us at info@myidealbalance.com. We're here to help you achieve your financial goals while making your life simpler and more budget-friendly. Stay tuned for day three of our grocery budget challenge! 🎉🛒💪

4 Ways To Connect With Us:

1️⃣ FREE CALL: Book your FREE 20-Minute Financial Coaching Call now! Get personalized advice and start your financial journey ➡︎ https://www.budgetbesties.com/freecall

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

3️⃣ BUDGET: Grab our Signature Budget Template! It's your key to organizing and optimizing your finances effectively ➡︎ https://budgetbesties.com/budget

4️⃣ COACHING: Ready to dive deep into your finances? Sign up for 1-on-1 or Group Financial Coaching. It’s the accountability and guidance you need to make real progress ➡︎ https://budgetbesties.com/coaching

"I love Shana & Vanessa and this podcast is amazing!" < If that sounds like you, please consider rating and reviewing our show! It helps us to reach more people – just like you – to help them change their financial future. Don’t forget to follow the show so you don’t miss any episodes! And, if you’re feeling really generous, we’d be SO honored if you would share this podcast with someone.

Click here to view our privacy policy.

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Grab the Grocery Budget Challenge Checklist

💡 Are you dealing with those ever-increasing grocery bills and seemingly bottomless stomachs at home? We totally get it! But fret not, because we've got some quick tips and actionable steps to slash those grocery costs.

Today we're breaking down Day 1 of our Grocery Budget Challenge. 🛒💰

🍏 We're diving into a topic we're super passionate about: swapping unhealthy and empty calories with nutritious and filling options. Let's get started with our top five tips! 💪🍎

Choose Nutrient-Dense Foods: Opt for foods that pack a punch of vitamins and minerals without piling on the calories. They'll keep you fuller for longer, and that's a win for both your wallet and your waistline! 🥦🍓
Ditch Sugary Beverages: Say goodbye to sugary drinks at home. Save them for special occasions, and you'll save money and your family's health. 🥤💧
Replace Junk Food: Swap out those tempting, unhealthy snacks with better options. Think berries instead of candy and unsalted nuts instead of chips. Your budget and your teeth will thank you!
Practice Portion Control: When you have only healthy options at home, it's easier to stick to appropriate portion sizes. Bye-bye, overeating! 🍽️
Include Healthy Starches: Make sure each meal includes a healthy starch like quinoa, sweet potatoes, or whole grains. It'll help your family feel satisfied and energized throughout the day. 🍠🌾

Remember, if you've got teens at home, they'll eat everything in sight, so let's make sure it's all good stuff! 🥗🍌

And the golden rule: If it's not in the house, they can't eat it! Keep those junk foods away, and they'll only eat when they're truly hungry. 💪🏡

Here's to healthier choices and a budget-friendly shopping list! 🙌

Ready to take action? Head to myidealbalance.com/food to download your challenge checklist for today. 👉✅

Stay tuned for the next four days of money-saving tips and tricks coming your way. We believe in 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.budgetbesties.com/freecall

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

3️⃣ BUDGET: Grab our Signature Budget Template! It's your key to organizing and optimizing your finances effectively ➡︎ https://budgetbesties.com/budget

4️⃣ COACHING: Ready to dive deep into your finances? Sign up for 1-on-1 or Group Financial Coaching. It’s the accountability and guidance you need to make real progress ➡︎ https://budgetbesties.com/coaching

"I love Shana & Vanessa and this podcast is amazing!" < If that sounds like you, please consider rating and reviewing our show! It helps us to reach more people – just like you – to help them change their financial future. Don’t forget to follow the show so you don’t miss any episodes! And, if you’re feeling really generous, we’d be SO honored if you would share this podcast with someone.

Click here to view our privacy policy.

This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase!

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⁠⁠Book a free 20 minute financial coaching session with us!⁠⁠⁠⁠⁠⁠ ⁠

Hey there, friends! 👋 Ever found yourself rummaging through couch cushions, desperately hoping to find some gas money because payday is just around the corner, but you need to go somewhere today? 🛋️💸 Or maybe you've been that person whose change slips out of your pocket in the car, and you're convinced there must be enough down there to buy something? 🚗💰

Yeah, we've been there too! And if you're nodding along, then this podcast episode is tailored just for you. 🎧 We're here to help you break free from the paycheck-to-paycheck cycle, that endless loop of "I have no money, when's payday again?" 🔄 We want to set you on a path to financial freedom, and today, we're diving deep into how to make that happen. 💪

First things first, we're financial coaches, and we're passionate about helping people like you take control of their finances. We get it; everyone's situation is unique. That's why we love sitting down with you and holding you accountable to your financial goals. 🙌 If you want to explore our coaching services, head over to our website and listen to some of the testimonials to see how it's been a game-changer for others.

Now, let's tackle breaking free from that paycheck-to-paycheck cycle. 🚀 Did you know that nearly 78% of Americans find themselves living this way at some point in their lives? It's time to break those chains that make you feel stuck! 🪓

The first step is to stop assigning your paychecks to specific bills. 📆 Change your mindset from "this paycheck covers this bill" to "my income covers all my expenses." Think of it as one big pot of money for the month. 💰

So, how do you do it? Make a budget! ✍️ Lay out all your expenses for the month and get a clear picture of where your money needs to go.

Now, onto the next phase – creating a paycheck plan. 📝 This plan turns living paycheck to paycheck into a purposeful budget that eliminates stress. 🤯 Instead of thinking, "This paycheck pays this bill," set up an account dedicated to paying bills. 🏦

With this system, your income goes into that bills account, and it takes care of all your expenses. No more worrying about which paycheck goes where! 🙅‍♀️ Your money is working for you as a whole.

Now, here's the magic: consistency. Every paycheck should fund your spending and savings accounts with the same amount. 🔄 No more frugal weeks followed by splurges. It's all about consistency.

Think of it this way: your income covers your bills, and whatever's left is allocated to your spending and savings accounts automatically. 🔄✨

The result? You'll always have money for groceries, gas, and other essentials. No more wondering, "When will I have money again?" 🛒⛽

This system also builds a buffer, so you're prepared for the next month's bills. 🧡

To make this work seamlessly, set up automatic deposits and bill payments. 🔄 It takes the guesswork out of managing your money, leaving you more time for what matters most. 🕒

Remember, it's all about having a budget that practically runs itself, making financial freedom a breeze. 🌬️

4 Ways To Connect With Us:

1️⃣ FREE CALL: Book your FREE 20-Minute Financial Coaching Call now! Get personalized advice and start your financial journey ➡︎ https://www.budgetbesties.com/freecall

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

3️⃣ BUDGET: Grab our Signature Budget Template! It's your key to organizing and optimizing your finances effectively ➡︎ https://budgetbesties.com/budget

4️⃣ COACHING: Ready to dive deep into your finances? Sign up for 1-on-1 or Group Financial Coaching. It’s the accountability and guidance you need to make real progress ➡︎ https://budgetbesties.com/coaching

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⁠⁠⁠Book a free 20 minute financial coaching session with us!⁠⁠⁠⁠⁠⁠⁠ ⁠

Hey there, lovely listeners! 👋 We've got an inspiring case study to share with you today about budgeting after divorce and the challenges of managing finances on a single income. Even if you haven't experienced divorce, this episode has valuable insights for anyone looking to improve their financial game.. Let's dive in! 🌊

💪 Our amazing client embarked on a seven-month coaching journey with us during her divorce. She was a single mom with three kids, juggling various debts, and living on a single income. Her story is a testament to what's possible when you take control of your finances.

📋 What did she accomplish? Let's break it down:

Income: $3,600 per month (on the conservative side)
Debt Paid Off: A whopping $17,000, including clearing all collections!
Minimum Monthly Payments: Reduced from $5,091 to $0
Savings: Skyrocketed from $1,000 to $24,000 🚀

👨‍👩‍👧‍👦 She also involved her kids in the financial journey, teaching them about budgeting and the importance of saying "no" when necessary. It's a valuable life lesson that will serve them well.

📊 Organization and strategy were key. She took action, called collection agencies to negotiate early payoff amounts, checked her credit report monthly, and even used her tax return to tackle credit card debt. Remember, it's all about smart money moves!

🚗 Dealing with multiple cars and accounts tied to her ex-husband was a bit complicated, but she faced it head-on. She had to change the names on accounts and even sell a car to make her financial life more manageable.

💔 Closing the chapter with her ex was challenging but essential. It allowed her to gain closure and move forward, unburdened by financial ties to the past.

💡 The bottom line? Budgeting after divorce and managing a single income can be tough, but with the right plan and support, you can conquer it. Our client's journey is proof that financial freedom is within your reach.

4 Ways To Connect With Us:

1️⃣ FREE CALL: Book your FREE 20-Minute Financial Coaching Call now! Get personalized advice and start your financial journey ➡︎ https://www.budgetbesties.com/freecall

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

3️⃣ BUDGET: Grab our Signature Budget Template! It's your key to organizing and optimizing your finances effectively ➡︎ https://budgetbesties.com/budget

4️⃣ COACHING: Ready to dive deep into your finances? Sign up for 1-on-1 or Group Financial Coaching. It’s the accountability and guidance you need to make real progress ➡︎ https://budgetbesties.com/coaching

"I love Shana & Vanessa and this podcast is amazing!" < If that sounds like you, please consider rating and reviewing our show! It helps us to reach more people – just like you – to help them change their financial future. Don’t forget to follow the show so you don’t miss any episodes! And, if you’re feeling really generous, we’d be SO honored if you would share this podcast with someone.

Click here to view our privacy policy.

This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase!

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⁠⁠⁠Book a free 30 minute financial coaching session with us!⁠⁠⁠⁠⁠⁠⁠ ⁠

Hey there, it's Shana and Vanessa, your budget besties! In this podcast episode, we're diving deep into practical strategies that have helped us & our clients live below our means and gain financial stability. We know how stressful and messy living above your means can be so we're here to help you get out of that cycle! Here are some of the nuggets form the episode:

Budget Like Pros: First things first, let's get real about budgeting. It's the foundation of our financial success, and it can be for you too. Start by creating a budget to understand where your money goes.
Cash is King: We've learned that using cash instead of credit cards can naturally rein in spending. It helps you stay accountable and build a healthier relationship with your finances.
Smart Vacationing: We're all about having fun, but we've found ways to do it without breaking the bank. Be strategic with vacations, opt for budget-friendly options, and plan ahead to avoid overspending.
The Power of No: Learning to say no is a game-changer. Say no to unnecessary expenses, both for yourself and when setting boundaries with friends and family.
Enjoy Life for Less: You don't have to splurge to have a good time. We'll show you how to find alternative, budget-friendly ways to enjoy life without compromising on quality.
Debt Demolition: We've tackled our debt habits head-on. Avoid carrying credit cards, and really think twice before making purchases you can't afford. It's all about financial self-care.
Cooking In: Eating out can be a budget buster. We've got tips for cutting down on restaurant expenses and meal planning to save money and eat healthier.

These are the actionable steps that have helped our clients turn their financial situation around, and we know they can work for you too.

4 Ways To Connect With Us:

1️⃣ FREE CALL: Book your FREE 20-Minute Financial Coaching Call now! Get personalized advice and start your financial journey ➡︎ https://www.budgetbesties.com/freecall

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

3️⃣ BUDGET: Grab our Signature Budget Template! It's your key to organizing and optimizing your finances effectively ➡︎ https://budgetbesties.com/budget

4️⃣ COACHING: Ready to dive deep into your finances? Sign up for 1-on-1 or Group Financial Coaching. It’s the accountability and guidance you need to make real progress ➡︎ https://budgetbesties.com/coaching

"I love Shana & Vanessa and this podcast is amazing!" < If that sounds like you, please consider rating and reviewing our show! It helps us to reach more people – just like you – to help them change their financial future. Don’t forget to follow the show so you don’t miss any episodes! And, if you’re feeling really generous, we’d be SO honored if you would share this podcast with someone.

Click here to view our privacy policy.

This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase!

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⁠⁠⁠Book a free 20 minute financial coaching session with us!⁠⁠⁠⁠⁠⁠⁠ ⁠

Today, we're diving deep into the world of budgeting and answering a burning question: What is zero-based budgeting?

We received a great question from our Facebook group. Someone asked, "What is zero-based budgeting, and how do I do it?" This inspired us to break it down and make budgeting accessible to all.

📊 Setting the Stage with Our Budgeting Tool:

We use an amazing budget spreadsheet, and you can get it too (with a discount code) if you're interested.
It's designed to be user-friendly with clean fonts and clear sections.

💰 Step 1: Understanding Your Income:

Start by inputting your income, the money you're bringing in.
Every dollar is your soldier, and you're the commander.

🧾 Step 2: Debt Minimum Payments:

Now, let's tackle your debts.
Minimum payments are non-negotiable; you owe them.
Subtract your minimum debt payments from your total income.

💡 Step 3: Budget Categories:

Next up are your bills and expenses.
These include essentials like utilities, groceries, subscriptions, and insurance.
Subtract these from your remaining budget.

🍔 Step 4: Discretionary Spending:

Here's where you decide what truly matters.
Dining out, entertainment, pocket money – you choose how to spend.
Allocate funds to these categories wisely.

💼 Step 5: Savings (or Extra Debt Payment):

If your priority is paying off debt, allocate the remaining money to debt payments.
In our example, we have some savings goals.
Set aside money for planned expenses, like travel or gifts.

🔄 Step 6: Getting to Zero:

The magic happens when you get to zero.
Every dollar has a job, and the goal is to assign them all.
If you have any money left, put it towards your financial goals.

💪 Step 7: Be the Supervisor of Your Dollars:

Remember, you're in control.
Make sure every dollar fulfills its job – no extra jobs allowed!

📅 Step 8: Pay Debt Strategically:

When allocating money to debt, split it among your paychecks.
Don't wait until the end of the month; act as soon as you get paid.

🔑 Conclusion:

Zero-based budgeting is all about intention and control.
Plan for everything, be intentional with every dollar, and watch your financial goals come to life.

4 Ways To Connect With Us:

1️⃣ FREE CALL: Book your FREE 20-Minute Financial Coaching Call now! Get personalized advice and start your financial journey ➡︎ https://www.budgetbesties.com/freecall

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

3️⃣ BUDGET: Grab our Signature Budget Template! It's your key to organizing and optimizing your finances effectively ➡︎ https://budgetbesties.com/budget

4️⃣ COACHING: Ready to dive deep into your finances? Sign up for 1-on-1 or Group Financial Coaching. It’s the accountability and guidance you need to make real progress ➡︎ https://budgetbesties.com/coaching

"I love Shana & Vanessa and this podcast is amazing!" < If that sounds like you, please consider rating and reviewing our show! It helps us to reach more people – just like you – to help them change their financial future. Don’t forget to follow the show so you don’t miss any episodes! And, if you’re feeling really generous, we’d be SO honored if you would share this podcast with someone.

Click here to view our privacy policy.

This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase!

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Snag Our Signature Budget Template Now!

In this lively episode of our podcast, we dive deep into the world of friendship, business partnership, and the highs and lows of both life and entrepreneurship. Join us, two best friends and financial coaches, as we share our candid experiences and insights:

Episode Highlights:

🙋‍♀️ The unique dynamic of being best friends and business partners.
🏡 Balancing work and family life, especially when husbands retire!
💰 The financial challenges and rewards of entrepreneurship.
🏐 A fun volleyball game that led to an unexpected wardrobe choice.
📚 The launch of our exciting new budgeting workbook.
👨‍👩‍👧‍👦 Navigating the joys and challenges of raising teenagers.
💡 Insights into working from home together as a couple.
😅 DIY podcast recording setups and the need for professional equipment.
🐶 A glimpse into the entertaining world of our pet co-hosts.

4 Ways To Connect With Us:

1️⃣ FREE CALL: Book your FREE 20-Minute Financial Coaching Call now! Get personalized advice and start your financial journey ➡︎ https://www.budgetbesties.com/freecall

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

3️⃣ BUDGET: Grab our Signature Budget Template! It's your key to organizing and optimizing your finances effectively ➡︎ https://budgetbesties.com/budget

4️⃣ COACHING: Ready to dive deep into your finances? Sign up for 1-on-1 or Group Financial Coaching. It’s the accountability and guidance you need to make real progress ➡︎ https://budgetbesties.com/coaching

"I love Shana & Vanessa and this podcast is amazing!" < If that sounds like you, please consider rating and reviewing our show! It helps us to reach more people – just like you – to help them change their financial future. Don’t forget to follow the show so you don’t miss any episodes! And, if you’re feeling really generous, we’d be SO honored if you would share this podcast with someone.

Click here to view our privacy policy.

This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase!

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⁠⁠Book a free 20 minute financial coaching session with us!⁠⁠⁠⁠⁠⁠ ⁠

It's October, and you know what that means – pumpkin spice lattes, falling leaves, and budgeting for all the special October treats! 🎃🍁 Let's make that October budget!

Wrapping Up September:

Remember September? It felt like the longest month ever, right? But don't worry if it didn't go as planned. We're here to help you review what happened, what you forgot to budget for (raise your hand if it was a surprise dental bill 🙋‍♀️), and make sure September's all wrapped up before we move on.

October Income & Expenses:

Check your income sources for October. Any changes, bonuses, or unexpected fluctuations? It's bonus season for some folks, so make sure you account for those sweet surprises.
Review your expenses. What's changing? Did you forget to budget for those cozy fall outings, Halloween costumes, or even Christmas? Yes, Christmas is coming, and it's never too early to plan for it. 🎄

Setting Goals for October:

What are your goals for this month? Maybe it's saving more, paying off debt, or finally setting up that bills account. It could even be as simple as using cash for your daily expenses or following a paycheck plan.
Think about non-monetary goals too. Are you aiming to create better budgeting habits, like checking your bills more regularly or switching to energy-efficient practices?

October's Special Budget Items:

Pause and reflect on your financial goals for October while considering the special October delights. What's the one thing you can do right now to get started? It might be grabbing our budget workbook, a powerful tool to guide your financial journey.
We're talking about budgeting for pumpkin patches, corn mazes, and cozy fall outings. Don't forget those Halloween costumes and decorations! And yes, Christmas is on the horizon, so it's never too early to start budgeting for that festive season. 🎃🌽👻

Remember, October is the perfect time for a fresh start. 🍂 It's like a mini New Year's resolution, but without the pressure. So sit down, cozy up with your budget, and let's make this month amazing for your 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://www.budgetbesties.com/freecall

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

3️⃣ BUDGET: Grab our Signature Budget Template! It's your key to organizing and optimizing your finances effectively ➡︎ https://budgetbesties.com/budget

4️⃣ COACHING: Ready to dive deep into your finances? Sign up for 1-on-1 or Group Financial Coaching. It’s the accountability and guidance you need to make real progress ➡︎ https://budgetbesties.com/coaching

"I love Shana & Vanessa and this podcast is amazing!" < If that sounds like you, please consider rating and reviewing our show! It helps us to reach more people – just like you – to help them change their financial future. Don’t forget to follow the show so you don’t miss any episodes! And, if you’re feeling really generous, we’d be SO honored if you would share this podcast with someone.

Click here to view our privacy policy.

This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase!

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⁠⁠⁠Book a free 20 minute financial coaching session with us!⁠⁠⁠⁠⁠⁠⁠ ⁠

We're on day five of our budget school, and today, we're talking all about savings, emergency funds, and investments. Here are some episode highlights:

Savings 101: Savings is the part of your budget that's not being spent for right now. It's money set aside for the future. We want to help you be prepared for life's expected expenses.

Emergency Fund: Start with a mini emergency fund, like $1,000, which can vary depending on your family size and comfort level. The goal is to have 3-6 months' worth of living expenses set aside in a dedicated account.

Investments: Investing is a crucial part of financial planning. Aim to save at least 15% of your income for investments, but adjust based on your goals and financial situation.

Budgeting for Savings: Create savings buckets for annual or irregular expenses like Christmas, birthdays, and car maintenance. Calculate how much you need for these expenses annually and divide it by 12 to budget monthly.

Becoming Your Own Bank: The goal is to rely on your savings and investments rather than credit in emergencies. This financial freedom comes from careful planning and dedication.

Action Steps:

Identify where you are in your financial journey: emergency fund, debt payoff, savings buckets, or investments.
Start funding your financial goals with each paycheck. Consistency is key.
Prioritize building your emergency fund before diving into investments.
Set up savings buckets for expected expenses, so you're prepared when they come up.
Invest regularly to secure your 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.budgetbesties.com/freecall

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

3️⃣ BUDGET: Grab our Signature Budget Template! It's your key to organizing and optimizing your finances effectively ➡︎ https://budgetbesties.com/budget

4️⃣ COACHING: Ready to dive deep into your finances? Sign up for 1-on-1 or Group Financial Coaching. It’s the accountability and guidance you need to make real progress ➡︎ https://budgetbesties.com/coaching

"I love Shana & Vanessa and this podcast is amazing!" < If that sounds like you, please consider rating and reviewing our show! It helps us to reach more people – just like you – to help them change their financial future. Don’t forget to follow the show so you don’t miss any episodes! And, if you’re feeling really generous, we’d be SO honored if you would share this podcast with someone.

Click here to view our privacy policy.

This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase!

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

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⁠⁠⁠Book a free 20 minute financial coaching session with us!⁠⁠⁠⁠⁠⁠⁠ ⁠

Ever wonder how much money you should be setting aside for your personal spending every month? 🤔 Curious about creating a realistic grocery budget that won't leave you pinching pennies? 💰 And what's the deal with using cash versus a debit card? 💳 We've got the answers, and we're serving them up with a side of our real life stories today! Here's a sneak peek into what you can expect from our "Spending 101" podcast:

🌟 Back to the Basics - In Chapter 1, we'll break down what spending really means. Hint: It's not just savings or bills! We're talking groceries, gas, kids' expenses, and even that occasional treat-yourself moment.

🌟 Personal Spending: Why You Need It - Chapter 2 dives into the importance of personal spending. We'll show you how it can prevent impulse spending and keep you on track, all while having a little fun with your hard-earned cash. 💸

🌟 Using Cash: The Cash Chronicles - Chapter 3 explores the magic of using cash. Discover how it keeps you accountable, curbs impulse buys, and even teaches your kids about money. Plus, we spill the beans on cash categories and how to make the most of them. 💵

🌟 Digital Envelopes: Modern Budgeting - In Chapter 4, we'll introduce you to digital envelopes. It's like your trusty cash system but with a high-tech twist. We'll also guide you on setting up checking accounts for your digital envelopes. 📱💳

🌟 How Much to Allot for Spending - Chapter 5 is all about personalization. We'll help you figure out the right spending amounts for your unique budget and goals. From gas to groceries, we've got you covered.

So, if you're ready to level up your spending game and take control of your finances, join us on this journey! Don't forget to take on our challenge and get those 90-day insights into your spending habits. Let's make budgeting a breeze! 💪💰✨

🚀 And here's a special offer just for you: Take advantage of our $97 budgeting per hour sale to supercharge your financial journey! Don't miss out, and remember, you've got 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.budgetbesties.com/freecall

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

3️⃣ BUDGET: Grab our Signature Budget Template! It's your key to organizing and optimizing your finances effectively ➡︎ https://budgetbesties.com/budget

4️⃣ COACHING: Ready to dive deep into your finances? Sign up for 1-on-1 or Group Financial Coaching. It’s the accountability and guidance you need to make real progress ➡︎ https://budgetbesties.com/coaching

"I love Shana & Vanessa and this podcast is amazing!" < If that sounds like you, please consider rating and reviewing our show! It helps us to reach more people – just like you – to help them change their financial future. Don’t forget to follow the show so you don’t miss any episodes! And, if you’re feeling really generous, we’d be SO honored if you would share this podcast with someone.

Click here to view our privacy policy.

This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase!

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🌟 Let's dig deep into the world of managing your moolah and bills in a way that's totally streamlined and, dare we say, fun! 🎉First off, gather up all those bills - credit cards, subscriptions, and whatever else is lurking in the financial closet. We want them all in one place, nice and organized. Why? Because clarity is key, my friends!Now, it's time to Marie Kondo your finances! 🧹Identify those duplicates and subscriptions that are just hanging around, taking up space. You know the ones – they're not sparking joy anymore. It's time to kiss 'em goodbye and put more cash back in your wallet. Cha-ching!Here's a little secret: your bills aren't set in stone! 🤫 Yep, you heard me right. Take the opportunity to re-quote those bills like insurance, phone plans, and internet every single year. Shopping around can lead to significant savings. More cash for the fun stuff!To stay on top of your budget game, it's all about distinguishing between your needs and wants. 🏡🚗🍔 We're talking the "four walls" – housing, transportation, and food. These are your essentials, so prioritize them. Now, here's where the magic happens: create a separate account just for bills. 💰 Your paycheck goes there, and bills are paid automatically. No swiping allowed in this account! It's like your financial command center, keeping you on the straight and narrow.Last but not least, think of this bills account as your financial HQ. 🏦 You're the CFO, the big cheese, supervising payments and checking them off as they get settled. It's a stress-free way to handle your money and gives you that sweet, sweet peace of mind. Ahhh, serenity.Oh, and one more thing – don't mix personal and business bills. Keep 'em separate, my friends. 🙅‍♀️Now, let's talk homework, because we're all about action! 📚- List out all those bills, get 'em on paper.- Categorize them, focusing on your "four walls."- Identify and cancel any bills that aren't bringing you joy.- Make a list of bills to re-quote, like insurance.- Create that separate bills-only checking account – it's a game-changer.- Remove that bills account debit card from your wallet and online accounts. Adios, temptation!Bonus homework, if you're up for it: consider snagging our Budget Power Workshop and Workbook. It's like a financial ninja in one workbook, making budgeting a breeze. 🥋💼Remember, we've got your back on this financial journey. Let's simplify your finances, declutter that financial closet, and rock that organized and empowered life! 💃💪💰⁠⁠4 Ways To Connect With Us:

1️⃣ FREE CALL: Book your FREE 20-Minute Financial Coaching Call now! Get personalized advice and start your financial journey ➡︎ https://www.budgetbesties.com/freecall

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

3️⃣ BUDGET: Grab our Signature Budget Template! It's your key to organizing and optimizing your finances effectively ➡︎ https://budgetbesties.com/budget

4️⃣ COACHING: Ready to dive deep into your finances? Sign up for 1-on-1 or Group Financial Coaching. It’s the accountability and guidance you need to make real progress ➡︎ https://budgetbesties.com/coaching

"I love Shana & Vanessa and this podcast is amazing!" < If that sounds like you, please consider rating and reviewing our show! It helps us to reach more people – just like you – to help them change their financial future. Don’t forget to follow the show so you don’t miss any episodes! And, if you’re feeling really generous, we’d be SO honored if you would share this podcast with someone.

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Snag Our Signature Budget Template Here!

🎙️ Welcome back to Budget School, everyone! It's time to dive into Day 2, and today, we're going to tackle the topic of debt. We know you didn't learn this stuff in school, so we decided to make our own school. This is all about getting back to basics and giving you a fresh start. So, let's get started!

What Is Debt?

💰 Debt is simply any money you owe to any person for any reason. This includes things like car loans, credit cards, student loans, bank loans, personal loans from family or friends, bank lines of credit, HELOCs (equity lines of credit), medical bills, taxes owed to the IRS, and even those sneaky store credit cards or payment plans for gadgets and gizmos.

💡 Pro Tip: Pay back personal loans to family and friends – they've been there for you, and it's the right thing to do.

Your Credit Score: The Love for Debt

❤️ Your credit score is often seen as the "I love debt" score. The higher your score, the more debt you have and the more debt loves you back. It's a cycle that keeps you hooked on borrowing.

🔑 Key Insight: Credit scores were invented in the 1950s, and they're designed to keep you in debt. Your great-grandparents didn't have credit cards, and they managed just fine!

Debt-to-Income Ratio: Are You Working for Debt?

💼 The debt-to-income ratio is all about how much of your income you're working to pay off debt. Consider it as how many hours you're working to pay for past expenses.

📉 Moderate debt-to-income ratio ranges from 20% to 36%. It's essential to ensure that your debt isn't consuming too much of your income, leaving little for your future.

The Minimum Payment Trap

🧐 Credit card companies are clever marketers. They want you to pay just the minimum so they can secure their steady income stream.

💡 Tip: Cutting up and closing credit cards is a smart move. Credit card companies expect you to add more debt over time.

Acceptable Debt vs. Petty Debt

🏠 "Acceptable" debts are tied to valuable assets like mortgages and car loans. They can be seen as investments.

🛍️ Petty debts, like store credit cards, are unnecessary and keep you in a never-ending cycle of small payments with high interest.

💰 Wealthy Money Management: Rich people use debt to further their assets, not to hold them back. They make their money work for them.

Debunking the Myth

🤔 Rich people may have debt, but it's debt with a purpose – to build wealth, not just to collect points or rewards.

🚫 Stop stressing about credit card points and start making your money work for you in investments like a high-yield money market account.

💡 Final Thought: Building wealth the right way is less stressful and more rewarding than chasing credit card points.

📆 Age of credit doesn't matter; focus on paying off debt.

💳 You may think credit cards offer free money with no strings attached, but there's interest, stress, and anxiety attached.

💰 You don't need a credit card for emergencies; you can create an emergency fund and become your own bank.

🚦 Be cautious with 0% interest offers and read the fine print. Most people don't pay them off in time, and it's a bummer. Don't even give it a chance. 🙅‍♂️

How To Take Control of Your Debt:

Step 1: Stop borrowing and cut up your credit cards.
Step 2: List your debts smallest to largest.
Step 3: Ask to reduce interest rates on loans.
Step 4: Calculate your maximum payment on payday for the smallest debt.
Step 5: Daydream about life without minimum payments.

4 Ways To Connect With Us:

1️⃣ FREE CALL: Book your FREE 20-Minute Financial Coaching Call now! Get personalized advice and start your financial journey ➡︎ https://www.budgetbesties.com/freecall

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

3️⃣ BUDGET: Grab our Signature Budget Template! It's your key to organizing and optimizing your finances effectively ➡︎ https://budgetbesties.com/budget

4️⃣ COACHING: Ready to dive deep into your finances? Sign up for 1-on-1 or Group Financial Coaching. It’s the accountability and guidance you need to make real progress ➡︎ https://budgetbesties.com/coaching

"I love Shana & Vanessa and this podcast is amazing!" < If that sounds like you, please consider rating and reviewing our show! It helps us to reach more people – just like you – to help them change their financial future. Don’t forget to follow the show so you don’t miss any episodes! And, if you’re feeling really generous, we’d be SO honored if you would share this podcast with someone.

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Get Your Discounted Budget Power Hour Workbook & Workshop Here!

Welcome to our five-day budget school series! 🎉 Get ready to revolutionize your budgeting mindset. These next five days will break down the essentials of budgeting, from the basics to the advanced. We're here to guide you through it all.

💼 Income 101: It's not just about your regular paycheck. Your income includes everything from your job earnings to tips, bonuses, refunds, and even Grandma's birthday money. Every dollar needs a purpose in your budget, whether it's for essentials, savings, or a little treat for yourself.

🍕 Gross vs. Net Income:*Think of gross income as the whole pizza and net income as the slice you get to enjoy. We focus on net income for budgeting. Deductions like taxes matter, but we don't count them as income. And if you're dealing with debt or a tight budget, consider pausing investments to prioritize financial stability.

📆 Irregular Income vs. Regular Paychecks: Create a holding account for irregular income sources to maintain consistency in your budget. Pay yourself a consistent amount regularly. And remember, even with extra income, give it a purpose in your budget; don't let it vanish.

🗂️ Structuring Your Budget: Not everyone gets paid on the same day every month. If your payday falls at the end of the month, consider it part of the next month's budget. Your budget should always have a plan for every dollar.

💰 No Such Thing as an "Extra" Paycheck: Every dollar needs a job, even those from "extra" paychecks. Allocate them to essentials or your financial goals.

Your homework: Organize your income in your budget, align it with your paycheck dates, and evaluate if it meets your financial goals.

And don't forget to grab our Budget Power Hour workbook and workshop for just $97 for the first 100 sales! 📘 Get it here with code "100."

4 Ways To Connect With Us:

1️⃣ FREE CALL: Book your FREE 20-Minute Financial Coaching Call now! Get personalized advice and start your financial journey ➡︎ https://www.budgetbesties.com/freecall

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

3️⃣ BUDGET: Grab our Signature Budget Template! It's your key to organizing and optimizing your finances effectively ➡︎ https://budgetbesties.com/budget

4️⃣ COACHING: Ready to dive deep into your finances? Sign up for 1-on-1 or Group Financial Coaching. It’s the accountability and guidance you need to make real progress ➡︎ https://budgetbesties.com/coaching

"I love Shana & Vanessa and this podcast is amazing!" < If that sounds like you, please consider rating and reviewing our show! It helps us to reach more people – just like you – to help them change their financial future. Don’t forget to follow the show so you don’t miss any episodes! And, if you’re feeling really generous, we’d be SO honored if you would share this podcast with someone.

Click here to view our privacy policy.

This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase!

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Learn More About Financial Coaching

In today's episode, we're diving deep into the reasons why so many people find themselves living paycheck to paycheck.

Reason 1: Focusing on Paychecks, Not the Monthly Picture

🤔 Many of us think in terms of individual paychecks, not the bigger monthly picture.
📅 Our expenses are monthly, so it makes sense to look at our income as a whole for the month.
💡 Creating consistency in your budget is key, especially for essential expenses like gas and groceries.
🔄 Stop assigning your paychecks to different jobs each time; consider the entire month's income instead.
🧐 When you see your entire monthly income, it might surprise you and reveal extra money you didn't notice before.

Reason 2: Spending Without a Plan

💳 Swipe, swipe, and hope there's enough in your bank account is not a plan.
📊 Without a spending plan, you're using your bank account balance to guide your spending, which can be chaotic.
😩 Don't let past failed attempts at budgeting discourage you; it takes time to get it right.
💪 Give yourself grace and remember that the third or fourth month is when you'll start to see real progress.

Reason 3: Waiting for the Perfect Moment

⏰ Waiting for everything to be perfect before you start budgeting is a common pitfall.
✨ The reality is, life is full of ups and downs, so start now and adapt as you go.
🌟 Overcoming challenges and busy times will make it easier when things align perfectly.

Reason 4: Lacking Big Goals

🌠 Without significant financial goals, budgeting can feel pointless.
💭 Your "why" is essential to resist impulse spending; focus on what you're working toward.
🏖️ Think about exciting goals like vacations, debt reduction, investments, or retirement.

Reason 5: Staying in Your Comfort Zone

😌 Comfort zones can limit your financial potential.
🌐 Explore what's possible beyond your current beliefs and boundaries.
👩‍🚀 Success starts at the end of your comfort zone; embrace challenges and growth.

Reason 6: Lifestyle Creep

📈 As your income grows, avoid increasing your spending in proportion.
💰 Prioritize saving, investing, and paying down debt instead of inflating your lifestyle.
🏡 Don't succumb to the pressure of keeping up with others; focus on your financial goals.

Reason 7: Credit Card Dependency

💳 Credit card debt can drain your paycheck, especially if you're paying high-interest rates.
🔄 Avoid using credit cards as a budgeting tool; it can lead to overspending and debt accumulation.
💡 Consider alternative savings options like money market accounts to earn interest instead of paying it.
🎁 Plan for big expenses like Christmas and vacations with cash rather than relying on credit.

We hope these insights shed light on why you might be living paycheck to paycheck.

4 Ways To Connect With Us:

1️⃣ FREE CALL: Book your FREE 20-Minute Financial Coaching Call now! Get personalized advice and start your financial journey ➡︎ https://www.budgetbesties.com/freecall

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

3️⃣ BUDGET: Grab our Signature Budget Template! It's your key to organizing and optimizing your finances effectively ➡︎ https://budgetbesties.com/budget

4️⃣ COACHING: Ready to dive deep into your finances? Sign up for 1-on-1 or Group Financial Coaching. It’s the accountability and guidance you need to make real progress ➡︎ https://budgetbesties.com/coaching

"I love Shana & Vanessa and this podcast is amazing!" < If that sounds like you, please consider rating and reviewing our show! It helps us to reach more people – just like you – to help them change their financial future. Don’t forget to follow the show so you don’t miss any episodes! And, if you’re feeling really generous, we’d be SO honored if you would share this podcast with someone.

Click here to view our privacy policy.

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🎉 Financial Transformation Success Story 🎉

Welcome to an inspiring journey of financial transformation! 🌟

Meet a remarkable couple who turned their financial turmoil into a saga of success and freedom. They went from drowning in debt and stress to standing tall with financial security. 🏦💪

Their story is a beacon of hope, filled with valuable lessons that you can start applying in your own life today. Join us as we unravel the key steps they took to achieve financial freedom and peace of mind. 🚀

Ready to embark on this exciting journey? Let's dive in! 💼🌄

📅 16 months of financial coaching.
💵 Used cash for spending (even though they didn't want to).
💰 Trimmed expenses by cancelling Costco, 📱 an unused phone line, 📦 clearing out a storage unit, 🚗 refinancing vehicle loan, and 🏡 re-quoting insurance.
🎯 Planned & used bonuses to pay off debt. (Hint hint, part of the debt payoff success story!!!)
💼 Saved Emergency Fund & hid from view.
📅 Used our structured paycheck plan™, guiding their financial decisions with each pay day.
💡 Established an annual bills account to handle quarterly and annual expenses.
💼 Actively pursued higher-paying job opportunities.
🎉 Celebrated their financial successes along the way. 🥳💰

Our Budget Power Hour Workshop is on Presale Now!

(Podcast description)

Next Steps > > >

Email us any questions: info@myidealbalance.com

Interested in Coaching? We work 1:1 with clients to do everything we talk about in this show. If you’re interested, click the link below to set up a FREE 30 minute free session with us. We’ll chat, get to know one another and see if coaching is a good option for you! There is no obligation whatsoever on this call, but we will give you some quick wins you can implement immediately to level up your money management!

⁠⁠Book a free 30 minute financial coaching session with us!⁠⁠⁠⁠⁠⁠ ⁠

Join our free Facebook Group!

Visit Our Website

"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.

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Why Reset Your Finances

At various times throughout the year our finances can become overwhelming and messy.
Setting financial goals is crucial, but without a clear plan, those goals may remain unattainable.
Instead of taking action, it's easy to become overwhelmed and overcomplicate matters.
We have three simple steps to help you reset your finances effectively.

Step 1: Have a Budget Meeting

Budgeting may seem complex, but it doesn't have to be.
We recommend scheduling a budget meeting once a month, taking just a fraction of your time.
This meeting serves a dual purpose:
Analyzing your financial numbers and planning the month ahead.
Reconnecting with your dreams, goals, and aspirations, reminding you why you're managing your money.

Step 2: Get on a Budget

Budgets are versatile and adaptable to individual circumstances.
The primary goal is to assign every dollar a specific purpose, ensuring full control over your finances.
Initially, the focus should be on adopting a budgeting habit rather than strict restriction.
As you become accustomed to budgeting, you can fine-tune your allocations and expenditures.

Step 3: Use Cash for One Line Item

Despite the convenience of cards, using cash can be a game-changer.
Start by designating cash for one expense category, such as groceries or dining out.
Cash forces accountability and discipline, preventing overspending.
This shift in mindset can help you realize that you're not broke but actively managing your finances.

Next Steps > > >

Email us any questions: info@myidealbalance.com

Interested in Coaching? We work 1:1 with clients to do everything we talk about in this show. If you’re interested, click the link below to set up a FREE 30 minute free session with us. We’ll chat, get to know one another and see if coaching is a good option for you! There is no obligation whatsoever on this call, but we will give you some quick wins you can implement immediately to level up your money management!

⁠⁠Book a free 30 minute financial coaching session with us!⁠⁠⁠⁠⁠⁠ ⁠

Join our free Facebook Group!

Visit Our Website

"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.

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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 podcast episode, we address a common concern shared by many when it comes to personal finances - the fear of facing your real financial reality. We acknowledge that it can be daunting to confront your numbers, especially if you're unsure about where you stand financially. However, we are here to provide guidance, offer valuable insights, and help you overcome this anxiety surrounding your finances.

Understanding Your Financial Landscape:

We emphasize the importance of understanding your financial situation, especially if you're dealing with financial stress after a significant life event like a divorce. It's crucial to know where you stand regarding income, expenses, assets, and liabilities.

The Power of Net Worth:

We introduce the concept of net worth as a powerful tool to assess your financial health. Net worth is calculated by subtracting your liabilities (debts) from your assets (everything you own with value). It provides a snapshot of your financial standing.

Signs of Financial Stress:

We discuss common indicators of financial stress, such as excessive debt payments or the inability to save money regularly. If you find yourself spending more on debt than anything else each month, it's a sign that your financial situation needs attention.

Taking Control Through Budgeting:

Budgeting is a key step in regaining control of your finances. We encourage you to create a budget that lists your income, expenses, and financial goals. Budgeting allows you to allocate your resources purposefully and avoid overspending.

Confronting Your Fears:

We understand that looking at your financial situation can be intimidating, akin to having your head in the sand. However, we emphasize that ignoring financial issues only makes them worse over time. It's essential to confront your financial reality and start the journey toward financial stability.

Embrace Your Beginner Status:

We remind you that it's okay to be a beginner in managing your finances. Everyone starts somewhere, and it's crucial to give yourself permission to learn and grow in this area. Financial improvement is possible with consistent effort.

In conclusion, don't let financial anxiety and money stress hold you back. Confronting your financial situation is the first step toward regaining control and achieving financial peace. Embrace the journey, and remember that even millionaires started as beginners. Take the time to assess your net worth, create a budget, and start making intentional financial decisions. Your financial future is within reach.

Next Steps > > >

Email us any questions: info@myidealbalance.com

Interested in Coaching? We work 1:1 with clients to do everything we talk about in this show. If you’re interested, click the link below to set up a FREE 30 minute free session with us. We’ll chat, get to know one another and see if coaching is a good option for you! There is no obligation whatsoever on this call, but we will give you some quick wins you can implement immediately to level up your money management!

⁠⁠Book a free 30 minute financial coaching session with us!⁠⁠⁠⁠⁠⁠ ⁠

Join our free Facebook Group!

Visit Our Website

"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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⁠⁠Book a free 30 minute financial coaching session with us!⁠⁠⁠⁠⁠⁠ ⁠

Do you want to learn how to save and when to spend so that your business can eventually support you one day?

We get it; managing your business finances is crucial, especially if you're starting a small business with a family to support.

1: "No Makey, No Spendy"

We've coined the phrase, "No makey, no spendy." It means you shouldn't spend money on your business until it's consistently making money. This is the #1 mistake peopel make when starting a business so let's talk about how to avoid it. We'll talk about how to be resourceful and frugal in the early stages of your business by using free or low-cost resources.

2: Separating Personal and Business Finances

Let's talk about separating your personal and business finances. It's essential to maintain separate bank accounts for your personal and business finances. Trust us; it leads to better financial organization and more straightforward accounting practices.

3: Implementing the Profit First System

We're introducing you to the Profit First money management system by Mike Michalowicz, and it's a game-changer. You're going to love this system's core principle: income minus profit equals expenses. It ensures you get paid from day one in your business. Grab his book here: Profit First by Mike Michalowicz

4: Setting a Business Budget

Now, let's talk about setting a budget for your business. We can't stress this enough; it's crucial. You'll want to include both monthly and annual expenses. We'll guide you through determining what expenses are essential for your business's survival in its early stages.

5: Growing at the Speed of Cash

When it comes to business growth, we want you to grow at the speed of cash. Avoid unnecessary investments and expenses. As your income increases, make sure your financial decisions are deliberate and well-planned.

We're here to help! If you've got any questions about business finances, reach out to us. We're always ready to assist.

Next Steps > > >

Email us any questions: info@myidealbalance.com

Interested in Coaching? We work 1:1 with clients to do everything we talk about in this show. If you’re interested, click the link below to set up a FREE 30 minute free session with us. We’ll chat, get to know one another and see if coaching is a good option for you! There is no obligation whatsoever on this call, but we will give you some quick wins you can implement immediately to level up your money management!

⁠Book a free 30 minute financial coaching session with us!⁠⁠⁠⁠⁠ ⁠

Join our free Facebook Group!

Visit Our Website

"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!

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

Profit First: Transform Your Business from a Cash-Eating Monster to a Money-Making Machine

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In this special episode, we're merging the best of two worlds: practical budgeting tips and a mindset shift to embrace financial freedom. So, whether you're new to budgeting or looking to refresh your approach, listen in for some valuable insights.

Setting the Financial Foundation

Creating a budget can be like mapping out your financial adventure. In this segment, we're discussing how to start without the scary budgeting jargon.
We're here to tell you that budgeting isn't a daunting task. It's like creating a roadmap for your money. They suggest beginning by listing your income and expenses, including a personal spending category. Yes, treating yourself is part of the plan!

Prioritizing and Ground Rules

Now, it's time to dive into prioritizing your spending and setting some ground rules.
We emphasize the importance of balancing expenses. Kids are wonderful, but they shouldn't dominate your finances. Create a kid's budget and stick to it. This way, you can avoid guilt and teach your children responsible money management.

Mindset Shift and Removing Temptations

Our third segment explores the power of shifting your mindset and dealing with financial temptations.
We discuss shifting your mindset from scarcity to abundance. Your finances are a tool to enhance your life, not a burden. And those tempting Amazon accounts? Consider separating them or using separate accounts for bills and spending to regain control.

Tithing and Mastering the Art of Budgeting

Why a budget is your financial anchor.
The role of tithing and charitable giving in your financial plan.
The significance of dedicating a portion of your income to tithing and giving back.
How to incorporate tithing into your budget while ensuring your financial goals remain attainable and enjoyable.

Overcoming Financial Anxiety

Confronting the anxiety often associated with financial management.
The empowerment of assessing your financial situation.
Strategies for eliminating those tempting, oneclick shopping options.
Techniques for making informed, confident spending decisions.

Balancing Family Finances

Navigating the "mom guilt" conundrum and achieving a harmonious equilibrium.
The pivotal role of setting a budget to cater to both family needs, personal desires, and charitable commitments.
Tips for fostering open and honest money conversations with your spouse.
Teaching your children valuable financial lessons that will serve them throughout life.

Next Steps > > >

Email us any questions: info@myidealbalance.com

Interested in Coaching? We work 1:1 with clients to do everything we talk about in this show. If you’re interested, click the link below to set up a FREE 30 minute free session with us. We’ll chat, get to know one another and see if coaching is a good option for you! There is no obligation whatsoever on this call, but we will give you some quick wins you can implement immediately to level up your money management!

⁠⁠Book a free 30 minute financial coaching session with us!⁠⁠⁠⁠⁠⁠ ⁠

Join our free Facebook Group!

Visit Our Website

"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!

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

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Welcome to today's episode where we're talking about the number one thing that will revolutionize your budget and take the stress out of your financial life. Seriously, it's like a budgeting superpower, and you can start using it tomorrow.

It's Simplicity, Not Complexity

So here's the deal: budgeting doesn't have to be brain-busting, time-consuming, or stressful. You know that feeling when you're juggling a million transactions and wondering where your money's going? We've got a game-changing solution for you.

We recently had a call with a client who kept jotting down her budget every month, aiming to allocate $1,200 towards debt repayment. Yet, it somehow never seemed to happen. Does that sound familiar? Well, we've got the secret sauce to solve this dilemma.

Another client loved our idea of using different highlighter colors to break down her bank statements. But scrolling through endless pages made it a tad overwhelming. That's why our system, which separates your bills from your spending, is the real deal.

Separate and Conquer

This is the magic begins with separating your expenses. When you see all your spending, from groceries to online shopping, separated from your bills, it's like budget clarity on steroids.

Out of Sight, Out of Mind

Having all your money in one account for both bills and spending can be a temptation trap. It's like seeing a big pot of gold and thinking you're richer than you are. Separating them means you won't be tempted to splurge your bill money on a shopping spree.

Automatic Awesomeness

This is where the real magic happens. Setting up automatic transfers ensures your budget goes from paper to action seamlessly. No guesswork, no worries.

Budget Smaller, Live Larger

Breaking your budget down into smaller, manageable pieces means you're never wondering if you can afford that latte or date night. Each paycheck gives you a fresh start with clear spending money in your pocket.

Tailor-Made for You

You can customize this system to suit your needs. Start with two accounts, one for gas and groceries, and one for personal spending. Feeling more ambitious? Go ahead and create accounts for every spending category you desire. The power is in your hands.

Payday is Bill Day

No more budgeting per paycheck. Every payday, your money is funneled into your bills account. Bills are no longer a question mark; they're a guarantee. How much you have to spend is no longer a guess or a hope: it's right there in front of your face.

Habitual Budgeting

Get into the habit of allocating your money for gas, groceries, and spending right when your paycheck lands. Consistency makes it second nature and takes the guesswork out of budgeting.

So there you have it, folks, the one thing you need to get your budget life together. Separate your bills from your spending, set up automatic transfers, and enjoy financial clarity like never before. Say goodbye to budget stress and hello to financial freedom!

--

Email us any questions: info@myidealbalance.com

Interested in Coaching? We work 1:1 with clients to do everything we talk about in this show. There is no obligation whatsoever on this call, but we will give you some quick wins you can implement immediately to level up your money management!

⁠Book a free 30 minute financial coaching session with us!⁠⁠⁠⁠⁠ ⁠

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"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.

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🎙️ Podcast Show Notes - Business Besties Unleashed!

🎉 Welcome back to another exciting episode of Business Besties!

🤝 In this fantastic second installment, we're diving deep into the enigma of business partnerships. You know, the ones people say are a big no-no? But wait, we're here to break that stereotype and spill the tea on our journey as fierce business besties. 🍵

🤔 Because let's face it, folks, finding a business partner can be as elusive as the last piece of chocolate cake at a dessert buffet. Everyone says you shouldn't mix friendship and business, but hey, we're rebels with a cause, and we're here to debunk those myths!

😂 And guess what? Our experiences have been like whirlwind roller coasters, but we've discovered that having each other makes it an epic adventure filled with laughs, love, and loads of learning moments.

🙌 Personal Highs: As the back-to-school bells ring and the chaos of vacation ends, we're celebrating the joy of being at our kids' sports games. Go team! 🏆 Watching them grow, seeing their determination, and supporting them is pure magic.

👎 Personal Lows: While we'd love to pretend we're superheroes, we confess that dealing with non-stop bustling households while trying to conquer the business world can be... well, exhausting. We're just thankful our freezers are clean from eating all those leftovers!

🤣 Funny Question: Got a favorite movie or TV show you can rewatch infinitely? For us, it's all about 'Friends'! We've seen it so much that we practically predict Ross's next pivot with our eyes closed. 🛋️

🎬 So, that's a wrap for this monthly catch-up, peeps! We'll be back soon with more business wisdom, laughter, and a sprinkle of quirkiness. Until then, keep hustling, stay bold, and remember, you're not alone in this crazy entrepreneur journey! 🚀

🎧 Stay tuned for more empowering episodes that bring you business insights, motivation, and camaraderie. Keep hustling, Business Besties! 🌟

Email us any questions: info@myidealbalance.com

Interested in Coaching? We work 1:1 with clients to do everything we talk about in this show. If you’re interested, click the link below to set up a FREE 30 minute free session with us. We’ll chat, get to know one another and see if coaching is a good option for you! There is no obligation whatsoever on this call, but we will give you some quick wins you can implement immediately to level up your money management!

⁠Book a free 30 minute financial coaching session with us!⁠⁠⁠⁠⁠ ⁠

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"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.

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It's that time again! A new month, new budget!! We're talking:

How to Wrap Up August

Before focusing on September, take the time to wrap up August's budget.
Finalize your numbers and compare what you budgeted to what you actually spent.
This process helps you learn and make better budgeting decisions going forward.
Don't be too hard on yourself; it's about learning and improving, not aiming for perfection.

Check Your Income & Expense Changes

Transitioning from August to September might bring changes in income and expenses.
Update your budget to reflect any alterations in income sources.
Review the changes in expenses, such as the end of summer camps or vacation spending.
Consider adjusting childcare expenses and sports-related costs.

What Do You Need To Save For?

Establish sinking funds for expenses that occur annually, such as homeschooling fees or insurance premiums.
Divide the total amount needed by 12 and save that amount monthly to avoid financial strain when the bill comes due.
Review annual subscriptions, such as Disney+ or Amazon Prime, and plan accordingly.

Setting Money Goals for September

September should have specific goals and you need to put them in your budget. Set financial goals for September and integrate them into your budget.
Prioritize saving money or paying off debt based on your specific financial objectives.
Aim to pay yourself or pay off debt ON PAYDAY to maintain accountability and consistency.

Fun Wins Our Clients Are Having That You Can Have Too:

Consider using cash for certain budget categories to enhance discipline and money management.
Use envelopes to allocate funds for different spending categories, like restaurants or childcare.
Name your accounts strategically to avoid accidentally spending designated funds.
Understand that the process of building savings and reaching financial goals is a journey.
Embrace the idea of being the type of person who has money and let your savings grow.
Be patient with yourself as you learn to prioritize saving and stop impulse spending.

Put it into Practice

Schedule the dates for transferring money into various accounts, either manually or automatically.
Plan ATM visits to withdraw cash for specific budget categories.

As we look forward to September, we encourage you to reflect on August, make necessary changes to your budget, and prioritize your financial goals. Embrace the journey of building savings and make conscious decisions to manage your money effectively. Remember to share your money goals with us at info@myidealbalance.com. Happy budgeting!

Next Steps > > >

Email us any questions: info@myidealbalance.com

Interested in Coaching? We work 1:1 with clients to do everything we talk about in this show. If you’re interested, click the link below to set up a FREE 30 minute free session with us. We’ll chat, get to know one another and see if coaching is a good option for you! There is no obligation whatsoever on this call, but we will give you some quick wins you can implement immediately to level up your money management!

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"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.

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Our Budget Power Hour Workshop is on Presale Now!

Welcome to the Ideal Balance Podcast! Today, our hosts join the “Momma Has Goals” podcast. They discuss several tips and tricks learned in their financial journey.

Beginner's Mindset:
Embrace learning and growth. 🌱
Money Philosophies - Ideal Balance vs. Dave Ramsey:
Different approaches to money. 💰
Budgeting, saving, investing insights. 💡
Bank Account Assistant:
Maximize its potential. 💼
Manage bills, savings, spending. 💳
Cracking Credit Card Points:
Understand rewards pros, cons. 🛍️
Smart point strategies. 🌟
Teaching Kids About Money:
Kid-friendly money lessons. 👦👧
Learn through play. 🎮
Male Money Mindset:
The scorecard money philosophy. 👔💰
Shift perspectives, empower. 🚀
Small Steps, Big Progress:
Beat burnout with actions. 🚶‍♀️🚶‍♂️
Basic budgets, micro-investing. 💸

Our Budget Power Hour Workshop is on Presale Now!

(Podcast description)

Next Steps > > >

Email us any questions: info@myidealbalance.com

Interested in Coaching? We work 1:1 with clients to do everything we talk about in this show. If you’re interested, click the link below to set up a FREE 30 minute free session with us. We’ll chat, get to know one another and see if coaching is a good option for you! There is no obligation whatsoever on this call, but we will give you some quick wins you can implement immediately to level up your money management!

Join our free Facebook Group!

⁠Book a free 30 minute financial coaching session with us!⁠⁠⁠⁠⁠ ⁠

Visit Our Website

"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.

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⁠Our Budget Power Hour Workshop is on Presale Now!⁠

Welcome to the Ideal Balance podcast! Today, your hosts Shana and Vanessa answer some tough questions you, the audience, have had on a Facebook livestream.

Questioning How to Balance Your Budget and Fun Money? Simple! First, separate bills and spending. Next, be sure to set a budget for FUN so you know exactly how much you have to spend.
Wanting to Improve Your Budgeting Skills? Print out the budget, keep a hard copy, and makes sure you're doing it the right way with the categories we're telling you.
Wondering How to Plan the Ultimate Budget? It's a good start, but “Planning Isn't Enough” we say. You've got to follow through.
Do You Want No Debt and a Huge Savings Account? Your Hosts Reveal the Correct Path: Budget > Debt > Savings > Money Markets > Investments.
“Where Is My Money Going?” Asks one listener. We're telling you how to monitor your money.

All this and more on today's episode. Thank you for listening to Ideal Balance.

Email us any questions: info@myidealbalance.com

Interested in Coaching? We work 1:1 with clients to do everything we talk about in this show. If you’re interested, click the link below to set up a FREE 30 minute free session with us. We’ll chat, get to know one another and see if coaching is a good option for you! There is no obligation whatsoever on this call, but we will give you some quick wins you can implement immediately to level up your money management!

Book a free 30 minute financial coaching session with us!⁠⁠⁠⁠⁠ ⁠

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"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.

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In today's episode, we're bringing you stories and examples from our clients that will relate to what YOU are doing with YOUR budget. We're covering:

Boom! 💥 Bye-bye Credit Card Debt: We're tackling that annoying 18% interest and waving goodbye to debt.
Meet our Finance Heroes - Homesteading Style! 🏡🦸‍♀️ They're into gold, cash, and real estate, turning their finances into something super.
Unveiling the Trick to Beating Debt ✨💰: We're turning credit card balances into history lessons.
Figuring out Life Insurance or Trust? Let's uncover the mystery and find where your money's hanging out.
A High-Five for the Power Couple's Amazing Story 👫🌟: They're on their way to money happiness, and calmness is their buddy.

Next Steps > > >

Email us any questions: info@myidealbalance.com

Interested in Coaching? We work 1:1 with clients to do everything we talk about in this show. If you’re interested, click the link below to set up a FREE 30 minute free session with us. We’ll chat, get to know one another and see if coaching is a good option for you! There is no obligation whatsoever on this call, but we will give you some quick wins you can implement immediately to level up your money management!

⁠Book a free 30 minute financial coaching session with us!⁠⁠⁠⁠⁠ ⁠

Join our free Facebook Group!

Visit Our Website

"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.

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Our Budget Power Hour Workshop is on Presale Now!

Welcome to another episode of the podcast, where we're tackling that perplexing question: "Do you ever have more money on paper than in your bank account?"

We're diving deep into this issue today, so buckle up for some budgeting wisdom.

Mind the Gap: It's a common conundrum: your budget on paper is a masterpiece, but your bank account tells a different story. Let's bridge that gap together and make your financial dreams a reality.
The Habits Hold the Key: Picture this: you've got big plans for your budget, but the siren call of impulsive spending lures you away. Habits play a major role, my friends. We'll unpack this dance between behavior and budgeting.
Meet Joe The Budgeting Hero: Gather 'round as we salute Joe, the math whiz who discovered that budgeting isn't just about numbers; it's about habits and discipline. The budget math may add up, but habits make it stick.
Navigating Temptation: Ever find yourself swayed by impulses and distractions? We're spilling the tea on curbing temptations and nurturing your budgeting goals. Your accountability partner (or a financial BFF) can be a saving grace.
Unearthing the BudgetBank Mismatch: Hold on, folks! Let's delve into the root causes behind the budget-bank mismatch. It's time to address one significant culprit: impulsive spending and the lack of an accountability buddy.
Teamwork Makes the Dream Work: When you and your partner-in-crime tackle the budget together, magic happens. Joint budget meetings, setting common goals, and creating synergy can turn the tide of impulsive spending.
Budget-Check, a Must Do Task: Wait, did you say "set it and forget it"? Not with your budget! Regular budget checkins are the secret sauce. Adjustments, tweaks, and realignments keep your budget on point.
Slaying the Unexpected: Enter the budgeting superhero cape: preplanning. We're dishing out the detective tips – go back 90 days in your spending history. Unearth those sneaky subscriptions and occasional bills that mess with your budget's mojo.
Embracing the Power of Automation: Cue the grand entrance of Captain Automation! A swoosh of automation can turn your budget into a dance of synchronized finances. Automate transfers, separate accounts, and let the system do the heavy lifting.
Your Budget's New Best Friend: Wrapping it up with a bow! Your budget and bank account can be BFFs, not frenemies. Behavior, discipline, preplanning, and automation are the keys. Imagine a financial world where your budget doesn't just exist on paper, but comes to life in your bank account.
Join the Budgeting Revolution: It's time to say goodbye to budgeting blues and embrace the budgeting revolution. Get excited about the potential for your bank account to mirror your budget goals. We've got the tools, the strategies, and the high fives waiting for you!

Next Steps > > >

Email us any questions: info@myidealbalance.com

Interested in Coaching? We work 1:1 with clients to do everything we talk about in this show. If you’re interested, click the link below to set up a FREE 30 minute free session with us. We’ll chat, get to know one another and see if coaching is a good option for you! There is no obligation whatsoever on this call, but we will give you some quick wins you can implement immediately to level up your money management!

⁠Book a free 30 minute financial coaching session with us!⁠⁠⁠⁠⁠ ⁠

Join our free Facebook Group!

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"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.

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Episode Highlights:

🌟 Exploring the myth that having a substantial income means you don't need a budget. 🌟 Debunking the misconception and explaining why a budget is even more essential when you're rolling in the dough. 🌟 Emphasizing the role of a budget in transforming dreams into achievable goals. 🌟 Highlighting how a budget becomes the roadmap to financial aspirations and making dreams a reality. 💸 Discussing the allure of impulse buying and the challenges it poses. 💃 Demonstrating how a budget acts as a dance instructor, guiding you away from temptations and towards smart financial choices. 🔢 Expanding on the idea that a budget isn't just about the numbers; it's about control and freedom. 🚀 Showcasing how a budget empowers individuals to make informed decisions that lead to financial liberation. 💡 Unveiling the connection between budgeting and the mindset of successful individuals. 🌱 Providing insights into how a budget helps cultivate disciplined habits that align with a millionaire's approach. 🛡️ Illustrating the protective aspect of budgeting when it comes to safeguarding financial dreams. 💰 Explaining how a budget serves as a shield against wasteful spending and ensures your resources are directed towards your aspirations. 🎨 Inviting listeners to envision their budget as a canvas for financial success. 🎉 Encouraging the idea that a budget is a creative tool to paint a beautiful picture of a fulfilling financial journey.

Next Steps > > >

Email us any questions: info@myidealbalance.com

Interested in Coaching? We work 1:1 with clients to do everything we talk about in this show. If you’re interested, click the link below to set up a FREE 30 minute free session with us. We’ll chat, get to know one another and see if coaching is a good option for you! There is no obligation whatsoever on this call, but we will give you some quick wins you can implement immediately to level up your money management!

⁠Book a free 30 minute financial coaching session with us!⁠⁠⁠⁠⁠ ⁠

Join our free Facebook Group!

Visit Our Website

"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.

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In this episode, we explore:

Elevating Your Financial Mindset: Discover why using debt as a crutch holds you back from your true potential. Let's ditch old habits and focus on growth. 🚫💳
Unlocking Financial Freedom: Imagine a life without the burden of debt. We'll show you how to plan your expenses without relying on credit cards. 🗂️💳
Taking Control of Your Finances: Learn from real-life success stories. See how others shifted from debt-driven cycles to financial empowerment. 📈💪
Breaking the Hamster Wheel: Debt is a cycle that keeps you stuck. We'll guide you to break free, level up, and cash flow your way to success. 🔄🔓
Becoming a Financial Steward: Embrace the parable of the talents. Transform your financial journey by being a wise steward of your resources and opportunities. 🌱💼

This episode is your guide to mastering your finances, leaving debt behind, and embracing a future of abundance. Your financial journey starts here. Tune in and start making money work for you! 🎧👑

Next Steps > > >

Email us any questions: info@myidealbalance.com

Interested in Coaching? We work 1:1 with clients to do everything we talk about in this show. If you’re interested, click the link below to set up a FREE 30 minute free session with us. We’ll chat, get to know one another and see if coaching is a good option for you! There is no obligation whatsoever on this call, but we will give you some quick wins you can implement immediately to level up your money management!

⁠Book a free 30 minute financial coaching session with us!⁠⁠⁠⁠⁠ ⁠

Join our free Facebook Group!

Visit Our Website

"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.

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Our Budget Power Hour Workshop is on Presale Now!

In this episode, we're bringing you some real talk and valuable insights from our sessions with clients, highlighting the importance of using your income wisely and making it last longer. Join us as we share practical lessons and eye-opening stories to help you thrive financially.

Episode Highlights:

🌟 Introduction to Living Beneath Your Means: We kick things off with a discussion about the power of living beneath your means and why it's a game-changer for your financial future.
🏫 Lessons from Teachers: Discover how we helped a dedicated teacher transform her financial journey by optimizing her income. Learn the secret to smoothing out your finances during summer months, even if you're on a single income.
🌞 Budgeting for Stability: Uncover the magic formula for budgeting based on your annual income, ensuring stability during lean months. We share simple yet effective strategies that put you in control of your financial destiny.
💼 Entrepreneurial Wisdom: Tune in to hear how a lawn maintenance business owner turned financial stress into success. Find out why budgeting with a focus on baseline income is key to managing seasonal business fluctuations.
🌎 Balancing Act for All Industries: Whether you're a chiropractor, a travel industry professional, or anyone in between, we discuss the importance of leveling out your income throughout the year. Get inspired to embrace financial stability regardless of your field.
💰 Maximizing Bonuses: We explore a brilliant idea for making the most of your bonuses by prioritizing essential financial goals. Learn how to use these extra funds strategically to build a stronger financial foundation.
🏦 The Wisdom of Living Beneath Your Means: Delve into the concept of living beneath your means and its timeless wisdom. We share real-life stories that demonstrate the incredible impact of this approach on your long-term financial well-being.
🎯 Setting Financial Goals: Discover how to set achievable financial goals by basing your budget on your consistent income. We break down the steps to aligning your spending with your priorities and aspirations.
🌈 Creating Financial Freedom: Our final segment unveils the journey of a couple striving to live on one salary, paving the way for financial freedom. Learn how to avoid becoming dependent on extra income and why it's crucial for your financial peace of mind.

Tune in now and take your first steps toward financial freedom with the magic of living beneath your means!

Next Steps > > >

Email us any questions: info@myidealbalance.com

Interested in Coaching? We work 1:1 with clients to do everything we talk about in this show. If you’re interested, click the link below to set up a FREE 30 minute free session with us. We’ll chat, get to know one another and see if coaching is a good option for you! There is no obligation whatsoever on this call, but we will give you some quick wins you can implement immediately to level up your money management!

⁠Book a free 30 minute financial coaching session with us!⁠⁠⁠⁠⁠ ⁠

Join our free Facebook Group!

Visit Our Website

"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.

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Our Budget Power Hour Workshop is on Presale Now!

Do you find yourself overspending? Impulse spending? Buying stuff and later regretting it? How about Ever spending too much without even realizing it? Don't sweat it – we're here to help you master your spending skills. Get ready to learn easy peasy tricks to save money and still have fun!

Spending Smarts: We'll chat about times when spending got out of hand and how to keep it in check. No worries, you're not alone!
Quick Story Time: Ever seen an ad and felt like buying something right away? We've got funny tales from folks who've been there and cracked the spending code.
Spend with Sense: Learn cool ways to decide if buying something is a good idea. We'll share funny stories about hair dryers too!
Money Limits: Want to spend but also save? We'll show you how to set a money limit for yourself and enjoy your purchases without going overboard.
Wait for Wow: We'll teach you the cool trick of waiting before buying something. Trust us, it's like a secret money superpower!
Smart Wishlists: Got a birthday coming up? Learn how to make a wishlist for your dream stuff and let your family and friends make you smile.
More than Stuff: Discover the magic of doing fun things and having adventures. It's better than any toy or gadget!

Ready to be a money ninja? With these easy tips, you'll save money like a champ and still enjoy life to the max. So let's high-five those dollar bills and get ready for a spending-smart journey!

Next Steps > > >

Email us any questions: info@myidealbalance.com

Interested in Coaching? We work 1:1 with clients to do everything we talk about in this show. If you’re interested, click the link below to set up a FREE 30 minute free session with us. We’ll chat, get to know one another and see if coaching is a good option for you! There is no obligation whatsoever on this call, but we will give you some quick wins you can implement immediately to level up your money management!

⁠Book a free 30 minute financial coaching session with us!⁠⁠⁠⁠⁠ ⁠

Join our free Facebook Group!

Visit Our Website

"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.

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Our Budget Power Hour Workshop is on Presale Now!

🧐 Are you new to budgeting? No worries! We understand that most of us are beginners--you don't know what you don't know! No one taught us how to budget. But! Now we're here to guide you step by step. Listen for:

How to give yourself permission to be a beginner (stop overthinking or sabotaging)
Which three simple categories you should start your budget with
Why using paper for your beginner budget will really help
How debt plays into starting the budget journey
How to move from using credit cards to pay bills to using your budget to pay bills
How to allocate spending when budgeting
How to avoid resenting your budget by giving yourself room for fun

Next Steps > > >

Email us any questions: info@myidealbalance.com

Interested in Coaching? We work 1:1 with clients to do everything we talk about in this show. If you’re interested, click the link below to set up a FREE 30 minute free session with us. We’ll chat, get to know one another and see if coaching is a good option for you! There is no obligation whatsoever on this call, but we will give you some quick wins you can implement immediately to level up your money management!

⁠⁠Book a free 30 minute financial coaching session with us!⁠⁠⁠⁠⁠⁠ ⁠

⁠Join our free Facebook Group!⁠

⁠Visit Our Website⁠

"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!

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

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Our Budget Power Hour Workshop is on Presale Now!

All the tax secrets you need to know are coming to you in this podcast courtesy of Claudia Moncars, Certified Tax Geek (aka Tax Attorney)! She helps people navigate and resolve tax issues with the IRS and she's telling us all the behind the scenes things we didn't know! Listen in to hear all about:

Claudia shares that most individuals who approach her have unintentionally made mistakes on their taxes, emphasizing that mistakes are common even among those who are knowledgeable. (Yes, we're talking about you smarty pants! 🤓)
How small business owners often struggle with managing taxes while focusing on growing their businesses. Claudia emphasizes the importance of proper record-keeping.
Maintaining Separate Business Records: Claudia suggests the importance of maintaining separate records for business expenses and personal expenses to avoid potential audits.
Tracking Cash Transactions: Claudia explains how cashless transactions are being tracked more rigorously, and she advises keeping documentation even for small transactions to avoid discrepancies. She's giving you the details about PayPal, Venmo and what you need to know to avoid flagging an audit!
Dealing with IRS Debt: Claudia outlines a framework for dealing with IRS debt. She advises acknowledging mistakes, opening IRS letters promptly, evaluating your financial situation, and taking action to address the debt.
Negotiating with the IRS: Claudia explains that negotiating with the IRS involves understanding allowable living expenses and finding ways to reduce the amount you owe. She gives examples of how certain business expenses can be used to reduce the tax liability.
Freezing Accounts: Claudia mentions that the IRS can place accounts in a "currently not collectible" status, giving individuals a temporary break from collection efforts to stabilize their finances.
Strategies for business owners to manage payroll and withholdings, including using payroll services.
How to track your IRS account and being proactive in understanding your tax liabilities.

Find out more about Claudia here: www.moncarzlaw.com or check out her YouTube channel here: https://www.youtube.com/askthetaxattorney

Next Steps > > >

Email us any questions: info@myidealbalance.com

Interested in Coaching? We work 1:1 with clients to do everything we talk about in this show. If you’re interested, click the link below to set up a FREE 30 minute free session with us. We’ll chat, get to know one another and see if coaching is a good option for you! There is no obligation whatsoever on this call, but we will give you some quick wins you can implement immediately to level up your money management!

⁠Book a free 30 minute financial coaching session with us!⁠⁠⁠⁠⁠ ⁠

Join our free Facebook Group!

Visit Our Website

"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!

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

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⁠Our Budget Power Hour Workshop is on Presale Now!⁠

Welcome to a special episode of our podcast: Business Besties! We're shaking things up with some oversharing about friendship & girl talk.

Listen in for:

Why we're doing this episode and a little bit of our origin story
All about our business goals last month and whether we met them or not!
Encouragement on how you can definitely do it too!
We'll also tell you a little bit about our vacations & quality time with family and together
We're telling you what we both struggled with this month including scalp issues and hair thinning!
We had a hilarious adventure with a DIY project - painting kitchen cabinets. Let's just say, it didn't go well.
We're trying our best to balance work, family and personal life and we've got tips for you!
Proud mama alert- telling you a few of our kiddo's wins.
We'll tell you about our adventures on beach volleyball team plus our #1 guilty pleasure / indulgence / hilarious story.

If you're interested in the blood work kit Vanessa mentioned, please visit https://stewardinglifewellness.com/shop/and use the coupon code BALANCE for 5% off!

Next Steps > > >

Email us any questions: info@myidealbalance.com

Interested in Coaching? We work 1:1 with clients to do everything we talk about in this show. If you’re interested, click the link below to set up a FREE 30 minute free session with us. We’ll chat, get to know one another and see if coaching is a good option for you! There is no obligation whatsoever on this call, but we will give you some quick wins you can implement immediately to level up your money management!

⁠Book a free 30 minute financial coaching session with us!⁠⁠⁠⁠⁠ ⁠

Join our free Facebook Group!

Visit Our Website

"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!

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

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⁠Book a free 30 minute financial coaching session with us!⁠⁠⁠⁠⁠ ⁠

Today we're bringing you three lessons from our coaching sessions, we know they're going to help you!

During one session, the husband surprised us with his desire to buy a pricey vacuum, which we totally didn't see coming! But we took this opportunity to discuss weighing your long term goals over what you want right now as well as finding creative solutions to achieve their debt-free goal while managing their expenses.
We also delved into the topic of storage units several times this week. While they can be useful in some situations, it's essential to have an exit strategy and not fall into the trap of using them indefinitely. If you have a permanent home, you might not need a storage unit at all! Let's declutter and prioritize our possessions wisely.
Finally, we dished out some tough love about vacations. If you can't afford a vacation, you've got to face that reality and focus on financial goals first. Sacrificing vacations for a short period will lead to long-term gains and more exciting opportunities down the road. Embrace the process and envision a life where financial freedom is the ultimate vacation! While you're at it, build a life you won't need to vacation from; prioritize financial freedom.

--

Connect with us for personalized advice and support on your financial journey > > >

Email us any questions: info@myidealbalance.com

Interested in Coaching? We work 1:1 with clients to do everything we talk about in this show. If you’re interested, click the link below to set up a FREE 30 minute free session with us. We’ll chat, get to know one another and see if coaching is a good option for you! There is no obligation whatsoever on this call, but we will give you some quick wins you can implement immediately to level up your money management!

⁠Book a free 30 minute financial coaching session with us!⁠⁠⁠⁠⁠ ⁠

Join our free Facebook Group!

Visit Our Website

"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!

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

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⁠Our Budget Power Hour Workshop is on Presale Now!⁠

It's that time again! A new month, new budget!! We're talking:

How to Wrap Up July

Before focusing on August, take the time to wrap up July's budget.
Finalize your numbers and compare what you budgeted to what you actually spent.
This process helps you learn and make better budgeting decisions going forward.
Don't be too hard on yourself; it's about learning and improving, not aiming for perfection.

Check Your Income & Expense Changes

Transitioning from July to August might bring changes in income and expenses.
Update your budget to reflect any alterations in income sources.
Review the changes in expenses, such as the end of summer camps or vacation spending.
Consider adjusting childcare expenses, back-to-school supplies, and sports-related costs.
Take advantage of back-to-school tax-free weekends for saving on purchases.

What Do You Need To Save For?

Establish sinking funds for expenses that occur annually, such as homeschooling fees or insurance premiums.
Divide the total amount needed by 12 and save that amount monthly to avoid financial strain when the bill comes due.
Review annual subscriptions, such as Disney+ or Amazon Prime, and plan accordingly.

Setting Money Goals for August

August should have specific goals and you need to put them in your budget. Set financial goals for August and integrate them into your budget.
Prioritize saving money or paying off debt based on your specific financial objectives.
Aim to pay yourself or pay off debt ON PAYDAY to maintain accountability and consistency.

Fun Wins Our Clients Are Having That You Can Have Too:

Consider using cash for certain budget categories to enhance discipline and money management.
Use envelopes to allocate funds for different spending categories, like restaurants or back-to-school shopping.
Name your accounts strategically to avoid accidentally spending designated funds.
Understand that the process of building savings and reaching financial goals is a journey.
Embrace the idea of being the type of person who has money and let your savings grow.
Be patient with yourself as you learn to prioritize saving and stop impulse spending.

Put it into Practice

Schedule the dates for transferring money into various accounts, either manually or automatically.
Plan ATM visits to withdraw cash for specific budget categories.

As we look forward to August, we encourage you to reflect on July, make necessary changes to your budget, and prioritize your financial goals. Embrace the journey of building savings and make conscious decisions to manage your money effectively. Remember to share your money goals with us at info@myidealbalance.com. Happy budgeting!

Next Steps > > >

Email us any questions: info@myidealbalance.com

Interested in Coaching? We work 1:1 with clients to do everything we talk about in this show. If you’re interested, click the link below to set up a FREE 30 minute free session with us. We’ll chat, get to know one another and see if coaching is a good option for you! There is no obligation whatsoever on this call, but we will give you some quick wins you can implement immediately to level up your money management!

⁠Book a free 30 minute financial coaching session with us!⁠⁠⁠⁠⁠ ⁠

Join our free Facebook Group!

Visit Our Website

"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!

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

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Our Budget Power Hour Workshop is on Presale Now!

We've got one more fast & fun best of clip show for you. Listen for short but jam-packed nuggets on:

Getting back on track after you've fallen off course for your goals (hint, it takes one decision)
How & why you need more margin & buffer (white space) in your schedule / calendar
All the good stuff is made up of hard work so lean into it
How to not give into your brain when it throws a temper tantrum
Why a morning routine is so important
Leadership as a mom
Your body's natural state is strong & energetic and what food-like substances are doing to it
How to get started on a project or task even when you don't want to
If your friends don't support or help you move closer to your goals, you need new friends

And more!

Next Steps > > >

Email us any questions: info@myidealbalance.com

Interested in Coaching? We work 1:1 with clients to do everything we talk about in this show. If you’re interested, click the link below to set up a FREE 30 minute free session with us. We’ll chat, get to know one another and see if coaching is a good option for you! There is no obligation whatsoever on this call, but we will give you some quick wins you can implement immediately to level up your money management!

⁠Book a free 30 minute financial coaching session with us!⁠⁠⁠⁠⁠ ⁠

Join our free Facebook Group!

Visit Our Website

"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!

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

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Our Budget Power Hour Workshop is on Presale Now!

Today get ready for some serious, hard-hitting money advice! We're splicing together all the golden nuggets from our past podcasts. You'll be like, "Wow, that hit me hard, but I needed it!" Think of them like YouTube Shorts...each one is short and sweet!

Here is a glimpse at some of the nuggets we're talking about:

No Judgment Spending: Hey, it's okay to have a personal spending budget! You can't be too restrictive or too wild with your money. We call it the "No Judgment Account" – spend it freely without guilt!
No Extra Paycheck: Sorry, no magical extra paycheck will save the day. We're thinking bigger! Use that extra money wisely – pay off debts, boost your emergency fund, or save for those big dreams!
Mindset Shift: Don't let money control you. It's time to flip the script! When your income increases, don't automatically spend more. Your goals should get a raise, not your expenses!
Budgeting for Big Expenses: List down all those big expenses you dream of – Christmas, vacations, home repairs. Then break them down, calculate what you need, and budget for them each month. Boom! No more financial stress!
Automatic Transfers: Get excited about automatic money magic! Set up those transfers, and watch your accounts grow effortlessly. It's like money fairies doing the work for you!
Robbing from Your Future Self: Time to stop robbing from your goals and dreams! Align your spending with your vision. Be intentional, and make your future self proud!
Invest in Your Future: Celebrate those raises by raising your investments! No more excuses. Prioritize your future and let compound interest work its magic!

And more!

Next Steps > > >

Email us any questions: info@myidealbalance.com

Interested in Coaching? We work 1:1 with clients to do everything we talk about in this show. If you’re interested, click the link below to set up a FREE 30 minute free session with us. We’ll chat, get to know one another and see if coaching is a good option for you! There is no obligation whatsoever on this call, but we will give you some quick wins you can implement immediately to level up your money management!

⁠Book a free 30 minute financial coaching session with us!⁠⁠⁠⁠⁠ ⁠

Join our free Facebook Group!

Visit Our Website

"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!

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

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Looking for inspiration and balance in faith, business, and motherhood? Join us for an uplifting podcast episode with Samantha Semans, the cheerleader for women seeking their true calling and deeper relationship with Jesus. Listen to learn about:

The misconceptions about self-care and abundance in the world (Spoiler Alert: true abundance comes from abiding in God) The struggle and pressure on women to perform, succeed, and provide and how they can find freedom and fulfillment in a relationship with Jesus. Listen to some of our personal experiences and stories of growth, transformation, and overcoming challenges in faith and life. All about nurturing one's relationship with God, deepening the understanding of the Bible, and learning how to hear from God. How to address past traumas, receiving permission to focus on God, and understanding that God's abundance is available for all aspects of life. Why you need to ditch the silo approach, aka doing life alone. Get encouragement and support if you're feeling lost or distracted, guiding them to find their calling and walk in their authority with Jesus. More discussions about finances, roles as women, and understanding how biblical principles can positively impact different areas of life.

***Abundant Women Virtual Event: from July 31st to August 4th - A free online gathering with 20+ inspiring speakers discussing faith, life, finances, and roles as women. This event is F•R•E•E! Sign Up Here. Don't miss this opportunity to experience the power of a loving, supportive collective of women on the same faith-filled journey. See you there!

The Abundant Woman Collective Virtual Event The Abundant Woman Collective Website

Next Steps > > > Email us any questions: info@myidealbalance.com Interested in Coaching? We work 1:1 with clients to do everything we talk about in this show. If you’re interested, click the link below to set up a FREE 30 minute free session with us. We’ll chat, get to know one another and see if coaching is a good option for you! There is no obligation whatsoever on this call, but we will give you some quick wins you can implement immediately to level up your money management! ⁠Book a free 30 minute financial coaching session with us!⁠⁠⁠⁠⁠ ⁠ Join our free Facebook Group! Visit Our Website "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!

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

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Our Budget Power Hour Workshop is on Presale Now! In today's episode, we're talking about combining finances in a marriage as well as the consequences of not doing so. We are here to coach & encourage couples to be on the same page financially to avoid division and build a stronger relationship. Listen to us:

Explain how not combining finances can create a sense of individualism and hinder intimacy in a marriage Discuss the importance of communication, trust, and teamwork in managing shared finances Highlight the benefits of having joint financial goals and working together to achieve them Addresses the issue of staying financially afloat without making significant progress as a couple Recommend combining finances as a necessary step to create a unified approach to money management Offer insights into the potential pitfalls of keeping finances separate and the impact on marital dynamics Encourage you to reset as a couple and approach their finances as a team from day one

Next Steps > > > Email us any questions: info@myidealbalance.com Interested in Coaching? We work 1:1 with clients to do everything we talk about in this show. If you’re interested, click the link below to set up a FREE 30 minute free session with us. We’ll chat, get to know one another and see if coaching is a good option for you! There is no obligation whatsoever on this call, but we will give you some quick wins you can implement immediately to level up your money management! ⁠Book a free 30 minute financial coaching session with us!⁠⁠⁠⁠⁠ ⁠ Join our free Facebook Group! Visit Our Website "I love Shana & Vanessa and this podcast is amazing!"

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

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Our Budget Power Hour Workshop is on Presale Now!

Whether your spouse supports you and just wants to help you figure out your spending problem or if there is some tension and friction in your marriage when it comes to finances, this is the podcast you need to hear!

We're talking all about marriage & money and the problems that can come about. Listen to learn about:

Why combining your finances is important and what it means if they aren’t combined
How trust issues can become financial issues
How financial issues can lead to mistrust issues if you don't get it under control
How doing things alone leaves you with no accountability and no shared vision as a couple
Why you want to get it all out on the table, set goals together + communicate on purpose (spoiler alert: fun marriage!)
How financial issues are a mask for other problems (and how to solve them)
How to improve communication as it relates to finances and money
How having opposite and different goals / values as a couple is counterproductive
What a Level 10 Marriage could be like
The difference between one person being in control and teamwork
How lack of financial transparency can mean lack of intimacy in a marriage
Why it's better to do it as a team instead of individuals

Next Steps > > >

Email us any questions: info@myidealbalance.com

Interested in Coaching? We work 1:1 with clients to do everything we talk about in this show. If you’re interested, click the link below to set up a FREE 30 minute free session with us. We’ll chat, get to know one another and see if coaching is a good option for you! There is no obligation whatsoever on this call, but we will give you some quick wins you can implement immediately to level up your money management!

⁠Book a free 30 minute financial coaching session with us!⁠⁠⁠⁠⁠ ⁠

Join our free Facebook Group!

Visit Our Website

"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!

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

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Our Budget Power Hour Workshop is on Presale Now! (buy it now and don't worry about budgeting until August + you get a free implementation call!)

In this podcast episode, we're talking all about how meal planning can be SUPER EASY and SAVE YOU TIME, MONEY & CALORIES!

We've asked Chelsi Jo from the Systemize Your Life podcast to come on and discuss her meal planning system and how it has helped her save money and reduce the stress of figuring out what to cook for dinner. Chelsi is telling us all about her menu board system, which involves creating index cards with meal ideas and their corresponding ingredients. These cards are stored in a recipe box, and each week, Chelsi and her family select meals from the cards based on their schedule and preferences.

This system allows you to involve the whole family in the meal planning process, as it creates buy-in and allows everyone to contribute. This system will not only saved you money but also simplify your life by eliminating the constant (and evil) "What's for dinner?" question.

The menu board system is designed to be simple and adaptable. We're brining easy recipe ideas and encouraging you to recycle meals to reduce waste and keep things uncomplicated. There is a lot of flexibility in the system, allowing for leftovers and occasional dining out. It also works with your busy schedule that might include sports, date nights, travel, work events and more.

Learn about this system on the Systemize Your Life Podcast Episode 08

Read about Chelsi's system in her blog post.

Connect with Chelsi Jo on her website.

Next Steps > > >

Email us any questions: info@myidealbalance.com

Interested in Coaching? We work 1:1 with clients to do everything we talk about in this show. If you’re interested, click the link below to set up a FREE 30 minute free session with us. We’ll chat, get to know one another and see if coaching is a good option for you! There is no obligation whatsoever on this call, but we will give you some quick wins you can implement immediately to level up your money management!

⁠Book a free 30 minute financial coaching session with us!⁠⁠⁠⁠⁠ ⁠

Join our free Facebook Group!

Visit Our Website

"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!

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

View Details

⁠Our Budget Power Hour Workshop is on Presale Now!⁠

Can you save money without sitting down to do an entire budget? Are there ways to get you going in the right direction if you are in a busy season right now? Join us in this episode as we give you seven practical strategies to save money, even if you don't have the time to create a budget. Whether you're constantly on the go or simply haven't gotten around to making a budget yet, these tips will empower you to take control of your money & financial situation.

Listen to learn:

The fastest way to stop using credit cards to pay for everything (that will help you spend less too)
How to reduce impulsive spending quickly
What budget items you can shop around for better deals while you're sitting in carline
The one exercise that'll be so eye-opening you won't want to spend money again!
How you can use your bank to automatically save money
How to save money on food and groceries (+ how to stop wasting food)
The one hack you can use with cash without having to go ALL in using cash
How to use the bank to do your budgeting for you

Plus we had some bonus tips to offer too:

Take advantage of rewards programs offered by restaurants and stores (Chick Fil A app anyone!?)
Consider buying your bulk items (like supplements) during sales events like Black Friday

Next Steps > > >

Email us any questions: info@myidealbalance.com

Interested in Coaching? We work 1:1 with clients to do everything we talk about in this show. If you’re interested, click this link to set up a FREE 30 minute free session with us. We’ll chat, get to know one another and see if coaching is a good option for you! There is no obligation whatsoever on this call, but we will give you some quick wins you can implement immediately to level up your money management!

⁠⁠Book a free 30 minute financial coaching session with us!⁠⁠⁠⁠⁠⁠ ⁠

⁠Visit Our Website⁠

"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.⁠

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

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Our Budget Power Hour Workshop is on Presale Now!

"We made this podcast to help you get to where you wanna get to faster than it took us."

Today we are talking to you all about our business journey in order to help you, perhaps, not make the same mistakes. 79% of our clients are business owners or they have a side hustle of some sort. So, we are offering a glimpse at some of the mistakes we've made in order to hopefully help you! Listen to hear about:

How we started and ran multiple businesses.
The challenges we've faced & mistakes we've made along the way.
How we spread ourselves too thin.
How we finally figured out which part of our business we should focus on.
The benefits of focusing on one thing.
How the Profit First system saved us from turning all these business mistakes into financial mistakes.

Next Steps > > >

Email us any questions: info@myidealbalance.com

Interested in Coaching? We work 1:1 with clients to do everything we talk about in this show. If you’re interested, click the link below to set up a FREE 30 minute free session with us. We’ll chat, get to know one another and see if coaching is a good option for you! There is no obligation whatsoever on this call, but we will give you some quick wins you can implement immediately to level up your money management!

⁠Book a free 30 minute financial coaching session with us!⁠⁠⁠⁠⁠ ⁠

Join our free Facebook Group!

Visit Our Website

"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!

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

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⁠Our Budget Power Hour Workshop is on Presale Now!⁠

In this episode we are telling you all about the budget + systems we use for our clients to help them get debt free and feel calm and confident about their finances. Some of the key components include:

Goal Setting: A section dedicated to setting financial goals, whether short-term or long-term.
Monthly Budgets that track income, bills, debt, spending & saving.
Asset tracker: Figuring out your net worth & setting net worth goals is next level!
Debt tracker: Here we create your debt snowball and figure out when & how you can get out of debt.
Debt-free Budget: We like to show clients what life could be like when they're out of debt.
Retirement budget & planner: You have take the time to paint your retirement picture so that you know what you're working toward. Then we have a calculator that lets you know exactly how & when to get to that official retirement moment.

The benefits of our system, that is now available to you, are:

Set & Reach Financial Goals: You can set & reach financial goals. Finally.
Comprehensive and Simplified Approach: Your budget & systems need to offer a comprehensive solution by covering various aspects of financial analysis, tracking, and planning. When you simplify the budgeting process and incorporate automated systems , it's easier for you to manage your own money!
Personalization: The workbook allows users to personalize their budget by creating their own categories and customizing it according to their specific needs. This feature ensures that individuals can tailor the resource to their unique financial situation.
Clarity and Organization: The workbook's layout and structure provide you with clarity and organization, making it easier to understand and work with your financial data. It helps individuals gain a clear picture of their financial situation and track their progress towards their goals.
Retirement Planning: The workbook includes a retirement calculator and budgeting section that helps individuals plan for their future retirement. It assists in visualizing retirement goals, determining required income, and creating a plan to reach those goals.

Email us any questions: info@myidealbalance.com

Interested in Coaching? We work 1:1 with clients to do everything we talk about in this show. If you’re interested, click this link to set up a FREE 30 minute free session with us. We’ll chat, get to know one another and see if coaching is a good option for you! There is no obligation whatsoever on this call, but we will give you some quick wins you can implement immediately to level up your money management!

⁠⁠Book a free 30 minute financial coaching session with us!⁠⁠⁠⁠⁠⁠ ⁠

⁠Visit Our Website⁠

"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.

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We're back for another Q&A episode all about estate planning and the desire to avoid probate and taxes.

Key Points:

Thinking about this is great b/c you're forward thinking and preparing for the future.
Estate planning helps you avoiding burdening your children or loved ones with complex legal procedures.
Lawyers are necessary in some cases, while others can be handled with DIY resources.
Probate is the legal process that occurs after someone's death, involving asset distribution.
Waiting for probate to resolve can take months to years and may incur substantial costs.
Hiring a lawyer during probate usually involves paying a percentage of the total assets.
DIY resources can be suitable for simple wills and some real estate matters, but caution is advised.
Why we recommend hiring a lawyer in this instance.
A trust allows you to bypass probate entirely.
Establishing a trust requires upfront costs, typically around $4,000 to $5,000.
With a trust in place, assets can be transferred immediately without going through probate.
Any lawyer in the country can handle the trust's distribution without additional charges.
Not planning your estate properly can lead to financial messes and family stress.
Long probate periods can create conflicts among family members.
The cost of avoiding estate planning can far outweigh the initial investment.

Estate planning is a crucial step to protect your assets, minimize taxes, and avoid probate-related complications. While hiring an attorney can be expensive, DIY resources may not be sufficient for complex situations. It is essential to weigh the costs and benefits and make an informed decision based on your specific circumstances. By taking responsibility now, you can simplify the process and ensure a smoother transition for your loved ones in the future.

Email us any questions: info@myidealbalance.com

Interested in Coaching? We work 1:1 with clients to do everything we talk about in this show. If you’re interested, click this link to set up a FREE 30 minute free session with us. We’ll chat, get to know one another and see if coaching is a good option for you! There is no obligation whatsoever on this call, but we will give you some quick wins you can implement immediately to level up your money management!

⁠⁠⁠Book a free 30 minute financial coaching session with us!⁠⁠⁠⁠⁠⁠⁠ ⁠

⁠⁠Visit Our Website⁠⁠

"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 content contains affiliate link. We may earn a small commission at no additional cost to you.

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⁠Our Budget Power Hour Workshop is on Presale Now!⁠

Where you keep your savings money is important! Today we have all the tips & tricks about where to keep the money you've set aside for an emergency. Why? It needs to be accessible, but not too accessible, right? And it might as well be earning you a little bit of money!

Why you should separate the emergency fund from everyday accounts to avoid using it for non-emergencies.
How one client used money from the emergency fund to buy sheep. Sheep are not an emergency.
Why you might keep the emergency fund in a different bank to make it harder to access and reduce temptation.
Why a buffer in your savings (not emergency fund) account might be a good idea.
How to access the emergency fund if it's in a different spot.
Why a money market account, which typically offers higher interest rates than regular savings accounts, is a great option for your emergency fund.
How to shop around for banks that offer high-yield savings accounts or money market accounts for their emergency fund.
How investments are different from the emergency fund.
How to make a good decision about using your emergency fund.

Atomic Habits By James Clear

Email us any questions: info@myidealbalance.com

Interested in Coaching? We work 1:1 with clients to do everything we talk about in this show. If you’re interested, click this link to set up a FREE 30 minute free session with us. We’ll chat, get to know one another and see if coaching is a good option for you! There is no obligation whatsoever on this call, but we will give you some quick wins you can implement immediately to level up your money management!

⁠⁠Book a free 30 minute financial coaching session with us!⁠⁠⁠⁠⁠⁠ ⁠

⁠Visit Our Website⁠

"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 content contains affiliate link. We may earn a small commission at no additional cost to you.

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Atomic Habits: An Easy & Proven Way to Build Good Habits & Break Bad Ones

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July is a FUN month to budget for. You've still got some summer vibes going on, maybe a vacation or quality time with friends and family and who knows what else! Either way, we're helping you get your July budget set up in this episode. Listen to learn:

Why you have to start by finishing up June's budget
What income considerations you might need to make for July including adjusting for vacations, unpaid time off, bonuses, etc.
What bills changes might apply in July
Examples of expenses that. might come up for the month of July specifically
How to set your goals for July
How to adjust your goals if your budget is off
Why Vanessa dropped her parents off at the airport and they're still there
Shana's fun & cheap potluck contribution idea

Email us any questions: info@myidealbalance.com

Interested in Coaching? We work 1:1 with clients to do everything we talk about in this show. If you’re interested, click this link to set up a FREE 30 minute free session with us. We’ll chat, get to know one another and see if coaching is a good option for you! There is no obligation whatsoever on this call, but we will give you some quick wins you can implement immediately to level up your money management!

⁠Book a free 30 minute financial coaching session with us!⁠⁠⁠⁠⁠ ⁠

Visit Our Website

"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.

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⁠Our Budget Power Hour Workshop is on Presale Now!⁠

We're back for another episode of Q&A! Today we're talking to a listener that had their budget ALL figured out and now the student loan payments are back and it's wrecking their budget! They had managed to save around three to $400 per month to put towards debt, but now their student loan payments are back, leaving them with no extra money at the end of the month! They're seeking advice on how to navigate this situation while juggling work and taking care of their kids.

Here are the basic tips & takeaways:

Revisit your expenses and take a closer look at your budget.
Determine the difference between needs and wants, and identify areas where you can cut back.
Revaluate your spending habits
Consider reducing entertainment subscriptions
Reevaluate your insurance plans & renegotiate your rates

We also talk about:

What to do if you've already pared your budget down as much as possible.
How you may want to contact your creditors directly & how they'll be more willing to work with you if you chat with them BEFORE a default
How you can request deferred payments for a month or discuss the possibility of lowering payments or interest rates.

Finally, we also talked about the importance of teaching your children about personal finance. This situation can be an opportunity to discuss the negative impact of student loans and the value of saving for college from an early age. Having open conversations about finances and instilling good money habits can help them avoid financial struggles in the future.

~~~~~

Email us any questions: info@myidealbalance.com

Interested in Coaching? We work 1:1 with clients to do everything we talk about in this show. If you’re interested, click this link to set up a FREE 30 minute free session with us. We’ll chat, get to know one another and see if coaching is a good option for you! There is no obligation whatsoever on this call, but we will give you some quick wins you can implement immediately to level up your money management!

⁠Book a free 30 minute financial coaching session with us!⁠⁠⁠⁠⁠ ⁠

Visit Our Website

"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.

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⁠Our Budget Power Hour Workshop is on Presale Now!⁠

In today's podcast, we are answering a question from a client about how to deal with expenses that come up as it relates to children.

We loved this mom's question & the realness of it:

What do you recommend to do when you have children, and you enter a phase where every day there is a new expense?

They grow out of shoes overnight and now require a purchase of $80 + shoes
Two days later your other son needs new cleats because the ones he has now have a hole in them and can't play soccer with his toes hanging out
Two weeks later the soccer team decides they are switching leagues and require a $300 deposit plus $150 for the uniform
And it just keeps going from there :)

We GET IT. Been there, done that, wasn't in the budget, sent kids to school with holes in their shoes, all of the above! We also know:

It's challenging to raise kids and budget at the same time, especially as the expense continues to climb
The expenses as it comes to kids can be unpredictable

We're telling you, again, about our concept of the kid's envelope and how it's going to save your life.

We're also explaining how to set up a sinking fund for your kids and how you can estimate the annual cost of your kids.

We also talked about how to set limits and say "no" when it's necessary.

Next Steps > > >

Email us any questions: info@myidealbalance.com

Interested in Coaching? We work 1:1 with clients to do everything we talk about in this show. If you’re interested, click this link to set up a FREE 30 minute free session with us. We’ll chat, get to know one another and see if coaching is a good option for you! There is no obligation whatsoever on this call, but we will give you some quick wins you can implement immediately to level up your money management!

⁠Book a free 30 minute financial coaching session with us!⁠⁠⁠⁠⁠ ⁠

Visit Our Website

"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.

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In today's special episode, Alana Frost, owner of Alana's Organizing, shares wisdom from her journey as the owner of a professional organizing and relocation company. Alana is here to tell you all about:

The importance of mindset and creating a time-saving environment when it comes to getting organized
Why simply buying organizing products won't solve the problem
How to start with evaluating what you have and determining what is being used or not.
Why taking action is key, as even small steps can create momentum.
That organization is unique to each individual and family and it requires ongoing adjustments based on different life stages.
Tips for accomplishing more at home without adding to your to-do list.
How to have a home for everything in your house,
How to dedicate a specific time to put items away daily.
How these practices give you a clutter-free environment but also save time

Email us any questions: info@myidealbalance.com

Interested in Coaching? We work 1:1 with clients to do everything we talk about in this show. If you’re interested, click this link to set up a FREE 30 minute free session with us. We’ll chat, get to know one another and see if coaching is a good option for you! There is no obligation whatsoever on this call, but we will give you some quick wins you can implement immediately to level up your money management!

Here are some affiliate links from Amazon to some of our FAVORITE organizational items for your home:

Closet Organization Help

Bathroom Outlet Shelf (Game Changer!)

Beautiful Storage Jars for Kitchen + Bath

Linen Storage Bins

~~~~~~~~~~~~

⁠Book a free 30 minute financial coaching session with us!⁠⁠⁠⁠⁠ ⁠

Visit Our Website

"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.

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In this episode, we answer a question from a client about how to know the amount of money she needs for retirement. It's a great question to ask, the earlier the better.

We cover:

Defining your retirement vision: You can't know how much you need until you know what you want!
Retirement planning requires casting vision for your ideal post-work life.
The need to consider personal preferences and goals for the next season of life.
The importance of open communication with partners/spouses about shared retirement vision.
How to create a retirement budget-- it's going to be different than your current budget! (think paid off mortgage, hobbies, travel, grandkids, etc!)
How to use that budget to calculate your annual retirement expenses
How to plan how much income you'll need in addition to any expected income
How to use the 4% rule as a conservative guideline for sustainable withdrawals from your investments.
How to get your magic retirement number that is a clear retirement savings goal.
Here is another episode to listen to about retirement calculations.

⁠Book a free 30 minute financial coaching session with us!⁠⁠⁠⁠⁠ ⁠

Visit Our Website

"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.

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Today we're continuing a special Q&A series where we're taking questions directly from you: our listeners, clients and fans! The first question is about small business that have used personal funds to get started.

About 75% of our clients have their own business or side hustle. In this episode, we're diving into budgeting and small business finances and sharing strategies & tips for your business. As financial coaches, we understand the challenges faced by entrepreneurs who are funding their businesses with personal money or relying on debt. Join us as we provide valuable insights on how to take control of your business budget, make strategic spending decisions, and ultimately achieve financial success.

Key Points Covered:

Tracking and measuring expenses: Start with a business budget to manage effectively.
Halting unnecessary spending: Utilize existing resources and inventory to generate income.
Breaking the cycle of business debt: Paying yourself back and setting up a debt tracker.
Establishing a systematic paycheck from your business to your personal budget.
Creating profitability: Prioritizing income generation, debt repayment, and personal income.
Treating your business seriously: Track, budget, and avoid unnecessary debt.
How financial coaching for small business owners can help.

Managing your business finances effectively is crucial for sustainable growth. By implementing these strategies and adopting a proactive approach to tracking, budgeting, and debt repayment, you can achieve financial stability and pave the way for future success. Remember, financial coaching is available to support you on this journey. Feel free to reach out to us for personalized assistance in getting your business finances in order.

Email us any questions: info@myidealbalance.com

Interested in Coaching? We work 1:1 with clients to do everything we talk about in this show. If you’re interested, click this link to set up a FREE 30 minute free session with us. We’ll chat, get to know one another and see if coaching is a good option for you! There is no obligation whatsoever on this call, but we will give you some quick wins you can implement immediately to level up your money management!

⁠Book a free 30 minute financial coaching session with us!⁠⁠⁠⁠⁠ ⁠

Visit Our Website

"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.

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Today we're starting a special Q&A series where we're taking questions directly from you: our listeners, clients and fans! The first question is about overcoming impulsive buying and the guilt that follows.

"How do you talk yourself out of buying something at the moment? I feel like I am such an impulse buyer and I have GOT to train my brain to not thrive off the instant gratification of buying something because immediately after I always have a guilt and then I beat myself up."

We're talking about:
The need to REtrain your brain to find excitement in saving money and focusing on goals.
How to change your spending habits .
Why changing them won't be easy (we're being transparent).
How keeping budget, goals, and progress in front of you will help you stay motivated.
How to remove triggers that lead to impulse spending, such as avoiding certain stores or deleting shopping apps.
How creating a more fulfilling life and finding alternative activities is key to reducing the urge to spend.
How to recommend adding friction by making it harder to make impulsive purchases, such as deleting saved card information.
How to recognize and remove oneself from the temptation in the moment.
How to plan ahead for alternative actions when faced with the impulse to spend is crucial.
Why your spending budget line item is key to prevent feelings of scarcity.
How to plan and budget for desired purchases can provide gratification without overspending.

We mentioned James Clear's book "Atomic Habits." Get it on Amazon.

Email us any questions: info@myidealbalance.com

Interested in Coaching? We work 1:1 with clients to do everything we talk about in this show. If you’re interested, click this link to set up a FREE 30 minute free session with us. We’ll chat, get to know one another and see if coaching is a good option for you! There is no obligation whatsoever on this call, but we will give you some quick wins you can implement immediately to level up your money management!

⁠Book a free 30 minute financial coaching session with us!⁠⁠⁠⁠⁠ ⁠

Visit Our Website

"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.

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It's SUMMER! We're talking all things summer including budgeting & planning for vacations, camps, activities, lunches and more. We'll cover:

Using the budget and calendar as tools to put the concepts into practice.
Determining what you can afford to spend on summer activities.
How to use sinking funds or separate budgets for summer activities and involve your kids in the process.
Teaching your kids about financial responsibility by having them contribute to paying for their summer camps or other activities.
Creating a system, such as envelopes or jars, to help your kids manage their money and learn budgeting skills. Also, encourage them to be involved in decision-making and prioritize activities based on their budget.
Planning your summer activities based on your budget and time availability, considering both monthly and weekly schedules.
Leaving gaps in your schedule and prioritize downtime.
Designing your ideal summer day and week, taking into account your kids' preferences and incorporating routines to maintain a sense of structure.Planning your summer on a macro level, considering the overall calendar and flow of weeks.
Discussing and creating ideal summer day schedules with your children, including both fun activities and chores.
Considering the time and effort it takes to keep your kids busy versus allowing them to have downtime and be creative.
Embracing boredom as it fosters creativity and encourages children to explore new activities and use their imagination.
Viewing summer as a season of rest and downtime, allowing you and your children to enjoy a slower pace before the busyness of other seasons.

⁠Grab your beautiful summer planner here⁠ <<

Email us any questions: info@myidealbalance.com

Interested in Coaching? We work 1:1 with clients to do everything we talk about in this show. If you’re interested, click this link to set up a FREE 30 minute free session with us. We’ll chat, get to know one another and see if coaching is a good option for you! There is no obligation whatsoever on this call, but we will give you some quick wins you can implement immediately to level up your money management!

⁠⁠Book a free 30 minute financial coaching session with us!⁠⁠⁠⁠⁠⁠ ⁠

⁠Visit Our Website⁠

"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.

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It's SUMMER! We're talking all things summer including budgeting & planning for vacations, camps, activities, lunches and more. Listen to hear all about:

How to plan the summer so you don't feel crazy
How to align your summer activities with family values
How to cast a vision for what your want to your summer to look & feel like
How to avoid making impulsive decisions or over-scheduling
Free activities you can do with the kids to keep them engaged & save money on your budget
How to get your kids involved in the planning process
Budgeting for kids summer activities and kids summer camps
The importance of setting & keeping up a summer routine

Grab your beautiful summer planner here <<

Email us any questions: info@myidealbalance.com

Interested in Coaching? We work 1:1 with clients to do everything we talk about in this show. If you’re interested, click this link to set up a FREE 30 minute free session with us. We’ll chat, get to know one another and see if coaching is a good option for you! There is no obligation whatsoever on this call, but we will give you some quick wins you can implement immediately to level up your money management!

⁠Book a free 30 minute financial coaching session with us!⁠⁠⁠⁠⁠ ⁠

Visit Our Website

"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.

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Today we are bringing you an inspiring and fun episode with Juliana Page, host of the God's Vibes podcast. In this episode, Juliana takes us on an incredible journey from being a film production student to finding her true calling as a Christian Life Coach. Trust us, it's an episode you don't want to miss! She is also sharing exactly how she budgets for personal and professional development now since it has been so instrumental in her success. Also in the episode:

Juliana Page's transformative journey from film production student to coach
The power of coaching in helping individuals discover their identity and purpose
Overcoming doubts and breaking away from societal norms
The value of having coaches or mentors for support and accountability
Believing in your worth and embracing personal growth as a continuous journey
Creating space for new experiences and knowledge by letting go of things that no longer serve a purpose
Trusting in God's guidance for growth and development
Starting small with financial investments and gradually increasing based on goals and priorities
Assessing current spending habits and reallocating resources for personal and professional development

Back in 2009, Juliana stumbled upon the world of coaching and instantly knew she had struck gold. She discovered the immense power coaching held in helping individuals answer those deep, soul-searching questions about their identity and purpose. But let's be real, her journey wasn't a walk in the park. Juliana had to overcome doubts, break away from societal norms, and embrace God's guidance. Fast forward to today, and Juliana's story is a testament to the power of obedience and the transformative impact of aligning coaching with a spiritual foundation.

In this conversation we highlight the importance of investing in oneself and seeking guidance for personal development and growth. We'll also talk about the value of having coaches or mentors who can provide support, hold you accountable, and offer guidance on various aspects of life. Plus, we share tips on creating space for new experiences and knowledge by letting go of things that no longer serve a purpose. It's all about believing in your worth, embracing personal growth as a continuous journey, and reallocating resources towards your success. So grab your headphones, get comfy, and join us for an epic adventure of self-discovery and empowerment!

Learn more about Juliana:

Courage Co. Community: www.courageco.org

Website: www.julianapage.com

God's Vibes Podcast: https://podcasts.apple.com/us/podcast/gods-vibes-feed-your-spirit-connect-with-god-renew/id1506849521

Email us any questions: info@myidealbalance.com

Interested in Coaching? We work 1:1 with clients to do everything we talk about in this show. If you’re interested, click this link to set up a FREE 30 minute free session with us. We’ll chat, get to know one another and see if coaching is a good option for you! There is no obligation whatsoever on this call, but we will give you some quick wins you can implement immediately to level up your money management!

⁠Book a free 30 minute financial coaching session with us!⁠⁠⁠⁠⁠ ⁠

Visit Our Website

"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.

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In this episode, we discuss exactly how the debt consolidation process works and why you don't need to rely on debt relief companies to get out of debt--whether you're behind on credit card payments or not. There are many benefits of taking charge of your own debt payoff journey so listen to learn how to save time and money without the middleman. We debunk common misconceptions and provide practical tips for achieving financial freedom.

In this episode we're:

Introducing the topic of debt consolidation and its popularity
Acknowledging that it's a touchy subject & many people believe it's a better option
Debunking the myth that debt consolidation companies are necessary for debt relief
Sharing a few client experiences with debt consolidation companies and the challenges faced
Exploring the alternative of contacting individual creditors and making payments directly
Discussing the advantages of the debt snowball method and tracking progress personally
Sharing real-life examples of clients who successfully managed their debts without consolidation companies
Reiterating that debt consolidation companies may not have your best interests at heart
Stressing the simplicity and do-ability of handling debt on your own
Encouraging you to take control of their finances and be proactive in debt payoff
Discussing the drawbacks of debt consolidation companies, including lack of urgency and proactive measures
Emphasizing the desire to be a good steward of money and take responsibility for financial mistakes
Encouraging you to own up to their debts and begin the process of tackling them
Explaining that debt consolidation companies don't make debts disappear, and it's better to face and address them directly

Remember, taking control of your debt is possible, and you have the power to make a positive change in your financial situation. Don't let debt consolidation companies dictate your journey – own it and pave your way to a debt-free life!

Email us any questions: info@myidealbalance.com

Interested in Coaching? We work 1:1 with clients to do everything we talk about in this show. If you’re interested, click this link to set up a FREE 30 minute free session with us. We’ll chat, get to know one another and see if coaching is a good option for you! There is no obligation whatsoever on this call, but we will give you some quick wins you can implement immediately to level up your money management!

⁠Book a free 30 minute financial coaching session with us!⁠⁠⁠⁠⁠ ⁠

Visit Our Website

"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.

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

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⁠⁠Book a free 30 minute financial coaching session with us!⁠⁠⁠⁠⁠⁠ ⁠

In this episode, we're talking about exactly how to plan and pay for your vacations without using debt. We'll also discuss practical tips for making your own family vacations a reality while staying within your financial means.

Key Points:

We had a client wanted to save $3,000 for a vacation in six weeks. By breaking down the goal into weekly amounts make & save in her side hustle, she realized the goal was achievable.
We had another client with six kids thought she couldn't afford a high school trip with her oldest child. Through budgeting and a year-long savings plan, she made it happen.

You have to count the cost first!

Many people avoid calculating the actual expenses of a vacation, leading to either under-budgeting for a trip or never going because it seems so out of reach. unrealistic expectations or missed opportunities.
Before hand, take the time to determine costs such as flights, hotels, food, transportation, activities and souvenirs. Get it on paper!

Embrace the Joy of Budgeting:

Budgeting allows you to prioritize experiences and make memories with your family. Why else are you working so hard!?
Once you know the details, you can set aside a portion of your income to travel and create a dedicated vacation savings bucket.
You can also set aside a monthly budget for family outings and activities.

Start Early and Plan Ahead:

Saving in advance allows you to cash flow your vacation and reduces the chances you'll use a credit card.
Create a timeline for your vacation and save money each month to meet your goal.
Research discounted flights, early booking offers and affordable accommodations to maximize your budget.

Make Trade-Offs:

Identify areas where you can cut back temporarily to free up money for your vacation fund.
Limit discretionary spending on non-essential items and redirect those funds towards your trip (temporarily if needed).
Involve your family in the process and encourage them to contribute to the vacation fund through small sacrifices.

Prioritize Experiences:

Focus on experiences rather than material possessions.
Instead of spending money on unnecessary items, save it for meaningful family adventures.
Look for free or low-cost activities and attractions in your destination to stretch your budget.

Budgeting for family vacations is an essential part of enjoying life and creating lasting memories. By counting the cost, embracing the joy of budgeting, starting early, making trade-offs, and prioritizing experiences, you can make your dream vacations a reality while reaching your other financial goals.

⁠Book a free 30 minute financial coaching session with us!⁠⁠⁠⁠⁠ ⁠

Email us any questions: info@myidealbalance.com

Interested in Coaching? We work 1:1 with clients to do everything we talk about in this show. If you’re interested, click this link to set up a FREE 30 minute free session with us. We’ll chat, get to know one another and see if coaching is a good option for you! There is no obligation whatsoever on this call, but we will give you some quick wins you can implement immediately to level up your money management!

⁠Book a free 30 minute financial coaching session with us!⁠⁠⁠⁠⁠ ⁠

Visit Our Website

"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.

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

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⁠⁠Book a free 30 minute financial coaching session with us!⁠⁠⁠⁠⁠⁠ ⁠

Listen to this episode before you let your child apply for student loans! This episode is PACKED of ideas and tips to get your degree without borrowing money or going into debt. Kara Walker joins us to tell us how she went got her degree and didn't borrow a dime. If you're a parent, you want to hear this story. If you're a student, you want to hear this story. Kara talks about:

How she got 6 credit hours for $100
How she got her associate's degree for $1200 total
How she found unique scholarships as she went through her college journey
How to get a scholarship even after the deadline passes
How your GPA in college doesn't matter if you transfer schools
How you can get scholarships starting in middle school!
What's available for "independent students" at the age of 24

And so much more!

Connect with Kara:

Money and Mental Peace Podcast: She helps students find God's plan for college & graduating loan and debt free!

Book a scholarship strategy call with Kara.

Email us any questions: info@myidealbalance.com

Interested in Coaching? We work 1:1 with clients to do everything we talk about in this show. If you’re interested, click this link to set up a FREE 30 minute free session with us. We’ll chat, get to know one another and see if coaching is a good option for you! There is no obligation whatsoever on this call, but we will give you some quick wins you can implement immediately to start being confident about your money management!

⁠Book a free 30 minute financial coaching session with us!⁠⁠⁠⁠⁠ ⁠

Visit Our Website

"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.

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

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⁠⁠Book a free 30 minute financial coaching session with us!⁠⁠⁠⁠⁠⁠ ⁠

Today we're talking advanced budgeting tips you can implement after you've got your budget started. We're covering what banks to use, how to use your bank accounts to manage your money, how to automatically save money, where your emergency fund should be parked, what to do every payday and how/when to pay off extra debt using your budget.

Listen in if you want to be a good steward of your money and if you're looking for peace in your finances. We're giving you a few tips to improve communication in marriage so you can stop fighting and arguing about money and set & reach those couple goals instead! We're giving you the tips you need to simplify your budget and make it easy to implement!

Email us any questions: info@myidealbalance.com

Interested in Coaching? We work 1:1 with clients to do everything we talk about in this show. If you’re interested, click this link to set up a FREE 30 minute free session with us. We’ll chat, get to know one another and see if coaching is a good option for you! There is no obligation whatsoever on this call, but we will give you some quick wins you can implement immediately to level up your money management!

⁠Book a free 30 minute financial coaching session with us!⁠⁠⁠⁠⁠ ⁠

Visit Our Website

"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.

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

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Book a free 30 minute financial coaching session with us!⁠⁠⁠ ⁠

Today we're diving deep into the world of combining finances when you say, "I do." In this episode, we'll explore the importance of communication in building stronger money habits together. Picture two individuals, each with their own unique money upbringing, coming together to blend their financial flavors. It can be a delicious recipe for success, but it can also present challenges. We'll share real-life examples, discuss involving kids in financial conversations, and reveal the key to navigating money matters as a team. So keep listening as we unravel the secrets to communicating finances in your marriage!

How Different Money Situations in Childhood Can Affect Your Relationship
The Impact of Money Baggage on Relationships
Why It's Wrong For One Person To Carry The Burden Of Doing The Budget/Finances All On Their Own
How To Involve Kids in Financial Conversations + Teach Kids About Money Early
Tips for Effective Money Talks + Conversations
Trust and Transparency in Financial Communication
Exploring Different Approaches to Managing Finances: Joint Accounts vs. Separate Accounts
Dealing with Debt as a Couple
Financial Planning for Life Events: Buying a Home, Starting a Family, Retirement, etc.
The Benefits of Regular Budget Check-Ins and Reviews Seeking Professional Help: Financial Advisors, Marriage Counselors, and Financial Coaches
Overcoming Fear, Shame, and Guilt Surrounding Money Discussions
Resources and Tools for Streamlining Finances as a Couple
Creating a Monthly Budget Meeting

Tune in to learn how to foster open dialogue, overcome financial differences, and strengthen your relationship through shared financial goals. Let's start building a solid foundation for your financial future together!

Book a free 30 minute financial coaching session with us!⁠⁠⁠⁠ ⁠

Email us any questions: info@myidealbalance.com

Connect With Us:

Website →⁠⁠⁠ ⁠https://myidealbalance.com⁠⁠⁠⁠

Podcast →⁠⁠⁠ ⁠https://anchor.fm/idealbalance ⁠⁠⁠⁠

Facebook →⁠⁠⁠ ⁠https://facebook.com/MyIdealBalance⁠⁠⁠⁠

YouTube→⁠⁠⁠ ⁠https://youtube.com/@IdealBalance⁠⁠⁠⁠

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Book a free 30 minute financial coaching session with us!⁠⁠ ⁠

Did you know your budget is a reflection of your priorities and your values?

In the words of Dave Ramsey: “Don’t tell me what you value. Show me your budget, and I’ll tell you what you value.”

Today we’re going to talk about what your budget says about you, what you want your budget to say about you and how to bridge the gap between. We will cover:

Why you’re feeling frustrated about your “budget” or money management
How to analyze their own budgets and consider what it says about them
How to set goals and a vision for your financial future
How to align the budget with those goals
Why you need to think beyond the paycheck to paycheck cycle and consider your long-term desires and values
The small steps you can take to implement your goals

⁠Book a free 30 minute financial coaching session with us!⁠⁠⁠ ⁠

Email us any questions: info@myidealbalance.com

Connect With Us:

Website →⁠⁠ ⁠https://myidealbalance.com⁠⁠⁠

Podcast →⁠⁠ ⁠https://anchor.fm/idealbalance ⁠⁠⁠

Facebook →⁠⁠ ⁠https://facebook.com/MyIdealBalance⁠⁠⁠

YouTube→⁠⁠ ⁠https://youtube.com/@IdealBalance⁠⁠⁠

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⁠Book a free 30 minute financial coaching session with us!⁠⁠⁠

Ready to start using your budget?

Listen to learn all about:

Make the budget visible:

Print your budge tout & keep it where you’ll see it.
Track weekly and make adjustments as needed.
Embrace your inner nerd with highlighters and pens and such.

Learn to embracing imperfection:

Learning to budget is a process and you shouldn’t expect perfection from day one.
You’ll refine over time and that’s great!

Consider Cash:

You don’t need to use cash envelopes forever, but you should try it for a month!
Start by using cash for specific categories, such as restaurants, groceries, or gas.
Cash is the BEST accountability partner. It doesn’t lie and it’s not judgmental.
Cash creates a tangible experience and provides a visual representation of your spending habits.
Use the same ATM on payday & envelopes to help.

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Welcome to part 3 of our exciting miniseries on creating a budget in seven easy steps! In this episode, we dive deep into the concept of a zero-based budget and the benefits it offers for your finances!

Demystify budgeting and gain a better understanding of your personal finances.
Develop a detailed view of your income and expenses to take control of your spending habits.
Prioritize your expenses and eliminate unnecessary spending with a zero-based budget.
Assign each dollar a specific job to ensure your spending aligns with your goals and values.
Make better financial decisions by considering the opportunity cost of different choices.
Align your spending with long-term goals and make intentional decisions for financial well-being.

Imagine the relief of reducing financial stress as you confidently manage your finances. Say goodbye to uncertainty and hello to a secure financial future. It all starts with mastering the art of the zero-based budget.

Get ready to take control of your money, make smarter financial choices, and experience the peace of mind that comes with a well-managed budget.

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Book a free call with us!

We’re back for part 2 of our series on creating a Budget! IN this episode we will tackle the next step to creating your budget template: expenses!

We're covering:
How to categorize and list expenses correctly
Why debt payments are essential and non-negotiable and where they get plugged in into the budget
The difference between bills and expenses
How to plan for common expenses like groceries, gas and personal spending money
Listing out all your bills helps identify unnecessary expenses and make adjustments
How having a designated pocket money category prevents stealing from other essential categories (Robbing Peter to pay Paul)
How to plug in savings buckets for big expenses and future goals.
What expenses fall into needs vs wants categories

Next steps:

Book a free 30-minute call

Email us any questions: info@myidealbalance.com

Connect With Us:

Website →⁠⁠ ⁠https://myidealbalance.com⁠⁠⁠

Podcast →⁠⁠ ⁠https://anchor.fm/idealbalance ⁠⁠⁠

Facebook →⁠⁠ ⁠https://facebook.com/MyIdealBalance⁠⁠⁠

YouTube→⁠⁠ ⁠https://youtube.com/@IdealBalance⁠⁠⁠

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Book a free call with us to get moving on your budget!

In this podcast series, we're breaking down the process of creating a budget into seven easy steps. We want to show you that budgeting doesn't have to be complicated or overwhelming. Here's what you can expect from this episode:

We'll guide you through calculating all sources of income, including salaries, freelance earnings, side hustles, and more. Every dollar counts!
Tips for Irregular Income - If your income fluctuates, we'll help you plan for the lowest average month and create a separate holding account for surplus funds.
Are You Getting Paid What You're Worth? - We'll encourage you to assess your worth and have conversations about raises, bonuses, or opportunities for increasing your income.
The Power of a Light Footprint - Discover how paying off debt and reducing unnecessary expenses can give you more financial freedom (to change jobs) and make budgeting easier.
Plus, we'll be sharing insights and stories from our clients to help you relate to real-life budgeting situations.

Remember, we're here to help you win with your budget and achieve your financial goals. If you're interested in personalized financial coaching, reach out to us through the provided link or email.

Next steps:

⁠Book a free 30-minute call⁠

Email us any questions: info@myidealbalance.com

Connect With Us:

Website →⁠⁠⁠ ⁠https://myidealbalance.com⁠⁠⁠⁠

Podcast →⁠⁠⁠ ⁠https://anchor.fm/idealbalance ⁠⁠⁠⁠

Facebook →⁠⁠⁠ ⁠https://facebook.com/MyIdealBalance⁠⁠⁠⁠

YouTube→⁠⁠⁠ ⁠https://youtube.com/@IdealBalance⁠⁠⁠⁠

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

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Book a free call with us!

Do you or your spouse have a business or side hustle? In this episode we will lay out exactly why & how to separate your business finances from your personal finances. We'll cover:

Importance of separating business finances from personal finances
Separating business & personal finances makes budgeting easier
How to have conversations about business finances and goals with your spouse
How to set yourself up to make tax season super easy
A hack to highlight business and personal transactions on bank statements
The process of making a list of quarterly and annual expenses for each category
Why you need separate bank accounts for personal and business finances
When you might need to bring all finances together before separating them in order to help identify and consolidate accounts
How separating finances ensures clarity in understanding the profitability of the business
How separating business and personal finances removes the risk of the business affecting your personal budget goals
How separating finances helps you know if your business is actually making money (is the business generating profit or incurring losses?)

Grab the book Profit First here.

⁠Book a free call with us!⁠

Connect With Us:

Website →⁠⁠ ⁠https://myidealbalance.com⁠⁠⁠

Email → info@myidealbalance.com

Podcast →⁠⁠ ⁠https://anchor.fm/idealbalance ⁠⁠⁠

Facebook →⁠⁠ @MyIdealBalance⁠⁠⁠

YouTube→⁠⁠ ⁠@IdealBalance⁠⁠⁠

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Our amazing clients took a big pay cut when they separated from the military. They went from a large income to a small income. Then, within a few years, they went from a small income to a large income. Guess what they learned?

It doesn’t matter your income level, you need a budget.
Most of the time it’s not an income problem, it’s a spending problem.

No matter what you’re making, your habits will affect your budget and financial outcomes.

Shannon was hesitant to get financial coaching for two reasons:

She’s a financial advisor! She shouldn’t need help.
She’s strong, smart and independent. Surely she could do it herself!

Fortunately, she dove in and has now had so many successes after coaching:

They paid off all credit card debt.
They paid off their motorcycle debt.
She lived beneath her means for two years so that she could save money, pay off debt and be able to move into a home at the right time.
She’s now taking time for herself and allowing someone to help HER instead of it always being the other way around.

She’s learned:

Taking time for herself is important, even if she doesn’t “have the time” or she “could” do it on her own.
She doesn't need to do it all on her own, it’s okay to have help.
Paying off debt NOW, not at the end of the month is crucial

Shannon is now feeling hopeful about her financial situation. She can see the light at the end of the tunnel. She’s confident, disciplined and working the system.

Shannon went from a large to a small income. Then she went from a small income to a large income. Her situation begs the question:

You can do a lot on your own. But how much more could you do if you had help? Someone in your corner?

Next Steps:

Book a free call:⁠⁠⁠⁠ ⁠calendly.com/myidealbalance2/freecall⁠⁠⁠⁠⁠

Email us any questions: info@myidealbalance.com

Connect With Us:

Website →⁠⁠⁠⁠ ⁠https://myidealbalance.com⁠⁠⁠⁠⁠

Podcast →⁠⁠⁠⁠ ⁠https://anchor.fm/idealbalance ⁠⁠⁠⁠⁠

Facebook →⁠⁠⁠⁠ ⁠https://facebook.com/MyIdealBalance⁠⁠⁠⁠⁠

YouTube→⁠⁠⁠⁠ ⁠https://youtube.com/@IdealBalance⁠⁠⁠⁠⁠

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⁠⁠Book a free call with us!⁠⁠

Talking about money is taboo, especially inside the Christian circle sometimes. Today we’re going to speak life over you and talk about what the Bible & Jesus teaches about money, being a steward of what God gave you. We hope our words can help you gain insight and clear your mind from any guilt, distractions or misunderstandings about God’s plan for personal finances.

In this particular podcast, we’re talking about these three scriptures:

1 Timothy 6:10 For the love of money is the root of all kinds of evil. And some people, craving money, have wandered from the true faith and pierced themselves with many sorrows.
The Parable of the Talents (Matthew 25:14-30). To those who use well what they are given, even more will be given, and they will have an abundance. But from those who do nothing, even what little they have will be taken away.
Matthew 6:24: No one can serve two masters. For you will hate one and love the other; you will be devoted to one and despise the other. You cannot serve God and be enslaved to money.

We’ll break these scriptures down and see how they can relate to our circumstances.

One key point is that the verse from Timothy tells us that the LOVE of money is the root of evil, not money itself. Money itself is a tool. You shouldn’t be motivated or craving money. Money shouldn’t distract you from your calling or your walk with God.

However! Money can absolutely be used to further God’s kingdom & His work through you.

Also, being wealthy does not equate to loving money. It can simply mean that the wealthy person is a good steward and has wisely used the resources God gave them.

The Parable of the Talents is one of the most popular in the Bible. Here are some key takeaways:

God celebrates with you when you win with money
Do NOT have a scarcity mindset or be fearful about money
Don’t bury your head in the sand when it comes to your finances or your money like the third servant did (well, he buried the money, but work with us).
You should be involved with your money and actively using it to make more money.
Take charge of your finances, don’t be passive.
DOn’t miss out on bigger blessings and better opportunities by not being faithful with what you’ve got now.
Be a good steward so you can get the ultimate goal: “Well done, good and faithful servant.”

Finally, let’s talk about whether money is your master.

Are you serving money but you don’t even know it? If your decisions, moods, time or energy is controlled by money, then you might need to make some changes. Many times money can be our master but we aren’t even aware. We think we’re safe if we’re not being greedy or materialistic. But you can still be enslaved by money. How can you be sure you’re not serving money?

Ask yourself if you value anything more than the Lord.
Check yourself when an opportunity presents itself: Do I think about the money first? Or God’s will?
Get out of debt-the borrow is SLAVE to the lender.
Are you in a job that you hate, that makes you live a small life because you’re not in control of your finances?
Be in charge of your finances & money. That way you’re free and clear to serve God without any money distractions. (Don’t let your money be in charge of you.)
Submit your budget to God and ask for guidance.

Next Steps:

Book a free call:⁠⁠⁠ ⁠calendly.com/myidealbalance2/freecall⁠⁠⁠⁠

Email us any questions: info@myidealbalance.com

Connect With Us:

Website →⁠⁠⁠ ⁠https://myidealbalance.com⁠⁠⁠⁠

Podcast →⁠⁠⁠ ⁠https://anchor.fm/idealbalance ⁠⁠⁠⁠

Facebook →⁠⁠⁠ ⁠https://facebook.com/MyIdealBalance⁠⁠⁠⁠

YouTube→⁠⁠⁠ ⁠https://youtube.com/@IdealBalance⁠⁠⁠⁠

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What is it costing you to keep doing things the way you’re doing them?

What is it costing you to keep doing things your way?

We know you mean to budget, you want to be debt-free and you want to stop stressing and fighting about money. But if you’re finding it hard to hold yourself accountable to a budget or a plan, you’re not alone. In today’s episode we’re covering:

The opportunity cost of not getting on a budget
The difference between paying interest and making interest
What to do when you’re spending money on things that don’t matter
How to overcome unexpected expenses and budget consistently
Some underlying reasons you might not be winning with money including self-sabotage and self-doubt
How to afford financial coaching even when you have zero money at the end of the month
How to make short term sacrifices for long term gain (aka adulting)

In this episode we mention Jon Acuff’s books Start and Finish.

Next Steps:

Book a free call:⁠⁠ ⁠calendly.com/myidealbalance2/freecall⁠⁠⁠

Email us any questions: info@myidealbalance.com

Connect With Us:

Website →⁠⁠ ⁠https://myidealbalance.com⁠⁠⁠

Podcast →⁠⁠ ⁠https://anchor.fm/idealbalance ⁠⁠⁠

Facebook →⁠⁠ ⁠https://facebook.com/MyIdealBalance⁠⁠⁠

YouTube→⁠⁠ ⁠https://youtube.com/@IdealBalance⁠⁠⁠

this info contains affiliate links

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Are you feeling overwhelmed about starting your budget?

Are you feeling unmotivated? Unsure where to start on your financial journey?

We understand! In this episode we’re going to cover:

Some ideas on how to start small with your budget, using cash envelopes, getting out of debt or saving money
How to give yourself grace & stop being so hard on yourself
Why you need to give yourself permission to be a beginner
How to do one thing at a time in order to build skill, confidence and discipline
Why you need to put blinders on and stop comparing your situation to anyone else's
How you unique circumstances require a nuanced approach

We will also share a story about our clients who were living paycheck to paycheck and didn’t even have money to buy groceries. They didn’t even know where to start! But we got them on a simple monthly budget and helped them start working on becoming debt-free. They even solved a lot of marriage problems and communication issues along the way. Now they are working their financial stewardship and building wealth!

Book a free call:⁠⁠ ⁠calendly.com/myidealbalance2/freecall⁠⁠⁠

Email us any questions: info@myidealbalance.com

IDEAL BALANCE: How to Budget, Get Out of Debt, Save Money + Financial Systems to Organize Your Money

Even successful, high-achieving, Jesus-following moms need help organizing their finances. We help you learn how to budget, how to get out of debt & how to save money. We do this through 1-on-1 coaching where we teach you how to stop stressing about money & install systems that automate your finances. Once you have these money systems, you’ll be able to live debt-free, build wealth & achieve financial freedom. Join us to ditch the bad money habits & take control of your financial future.

Shana & Vanessa are best friends, business partners & Ramsey Solutions Master Financial Coaches.

⁠⁠Get the Digital Envelope System Our Client Used to Pay Off $17,591 in Debt and Save $23,000 in 7 Months Workbook here: h⁠ttps://ck.myidealbalance.com/deguide⁠⁠⁠

Connect With Us:

Website →⁠⁠ ⁠https://myidealbalance.com⁠⁠⁠

Podcast →⁠⁠ ⁠https://anchor.fm/idealbalance ⁠⁠⁠

Facebook →⁠⁠ ⁠https://facebook.com/MyIdealBalance⁠⁠⁠

YouTube→⁠⁠ ⁠https://youtube.com/@IdealBalance⁠⁠⁠

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When you’re trying to get out of debt, you might worry that your credit score will be affected. Worse, you might think getting out of debt can hinder your ability to purchase a home.

Don’t worry, we’re here to help and explain exactly how you getting out of debt and paying off your credit cards is going to improve your score. We’ll talk about payment management, debt-to-income ratios and how to monitor your credit score for free (Stop paying a third party!).

We also cover:

How our clients went from having different financial goals to being on the same page, paying off debt and buying a home!
What percentage of your income you should be spending on your home.
What the credit score is really monitoring.
How to stay motivated while getting out of debt

Book a free call:⁠⁠ ⁠calendly.com/myidealbalance2/freecall⁠⁠⁠

Email us any questions: info@myidealbalance.com

IDEAL BALANCE: How to Budget, Get Out of Debt, Save Money + Financial Systems to Organize Your Money

Even successful, high-achieving, Jesus-following moms need help organizing their finances. We help you learn how to budget, how to get out of debt & how to save money. We do this through 1-on-1 coaching where we teach you how to stop stressing about money & install systems that automate your finances. Once you have these money systems, you’ll be able to live debt-free, build wealth & achieve financial freedom. Join us to ditch the bad money habits & take control of your financial future.

Shana & Vanessa are best friends, business partners & Ramsey Solutions Master Financial Coaches.

⁠⁠Get the Digital Envelope System Our Client Used to Pay Off $17,591 in Debt and Save $23,000 in 7 Months Workbook here: h⁠ttps://ck.myidealbalance.com/deguide⁠⁠⁠

Connect With Us:

Website →⁠⁠ ⁠https://myidealbalance.com⁠⁠⁠

Podcast →⁠⁠ ⁠https://anchor.fm/idealbalance ⁠⁠⁠

Facebook →⁠⁠ ⁠https://facebook.com/MyIdealBalance⁠⁠⁠

YouTube→⁠⁠ ⁠https://youtube.com/@IdealBalance⁠⁠⁠

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

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What’s more important: Giving, saving money or paying off debt? When you’re budgeting and trying to pay off debt, save money and practice good stewardship over your finances, you can get a bit confused about which comes first. We are here to help you go from living paycheck to paycheck to getting debt free and having financial freedom! Listen to figure out which order to do the things with your money!

In this episode we’ll cover:

Why you can’t do everything with your money at the same time
When to focus on saving and when to pause saving
Paying interest (debt) versus earning interest (saving money)
How debt is a recent thing but doesn’t have to be a part of your story
Give a little until you can give a lot
How you can make giving a financial habit

Stress Free Bills Workshop: https://www.udemy.com/course/stress-free-bills/

Book a free call:⁠⁠ ⁠calendly.com/myidealbalance2/freecall⁠⁠⁠

Email us any questions: info@myidealbalance.com

IDEAL BALANCE: How to Budget, Get Out of Debt, Save Money + Financial Systems to Organize Your Money

Even successful, high-achieving, Jesus-following moms need help organizing their finances. We help you learn how to budget, how to get out of debt & how to save money. We do this through 1-on-1 coaching where we teach you how to stop stressing about money & install systems that automate your finances. Once you have these money systems, you’ll be able to live debt-free, build wealth & achieve financial freedom. Join us to ditch the bad money habits & take control of your financial future.

Shana & Vanessa are best friends, business partners & Ramsey Solutions Master Financial Coaches.

⁠⁠Get the Digital Envelope System Our Client Used to Pay Off $17,591 in Debt and Save $23,000 in 7 Months Workbook here: h⁠ttps://ck.myidealbalance.com/deguide⁠⁠⁠

Connect With Us:

Website →⁠⁠ ⁠https://myidealbalance.com⁠⁠⁠

Podcast →⁠⁠ ⁠https://anchor.fm/idealbalance ⁠⁠⁠

Facebook →⁠⁠ ⁠https://facebook.com/MyIdealBalance⁠⁠⁠

YouTube→⁠⁠ ⁠https://youtube.com/@IdealBalance⁠⁠⁠

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

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Has your income ever gone up but you still found yourself spending every dollar and using credit cards? That’s where the Wagners were when they started working with us. Listen to their story to encourage you on your financial journey. In this episode we cover:

How they finally had the tough conversations about money they’d been avoiding
How they don’t have a restaurant cash envelope but a Chick-Fil-A cash envelope (next level)
How they went from fighting about money to having big dreams and being on the same page
How they have changed their mindset and spending habits
The big success they had when he got a Christmas bonus and they paid off debt without even thinking twice
How they are working toward their dream of being debt free
How they paid off their shed and are not using credit cards anymore
How they’re able to be generous with their money now that they’re stewarding it well

Book a free call:⁠⁠ ⁠calendly.com/myidealbalance2/freecall⁠⁠⁠

Email us any questions: info@myidealbalance.com

IDEAL BALANCE: How to Budget, Get Out of Debt, Save Money + Financial Systems to Organize Your Money

Even successful, high-achieving, Jesus-following moms need help organizing their finances. We help you learn how to budget, how to get out of debt & how to save money. We do this through 1-on-1 coaching where we teach you how to stop stressing about money & install systems that automate your finances. Once you have these money systems, you’ll be able to live debt-free, build wealth & achieve financial freedom. Join us to ditch the bad money habits & take control of your financial future.

Shana & Vanessa are best friends, business partners & Ramsey Solutions Master Financial Coaches.

⁠⁠Get the Digital Envelope System Our Client Used to Pay Off $17,591 in Debt and Save $23,000 in 7 Months Workbook here: h⁠ttps://ck.myidealbalance.com/deguide⁠⁠⁠

Connect With Us:

Website →⁠⁠ ⁠https://myidealbalance.com⁠⁠⁠

Podcast →⁠⁠ ⁠https://anchor.fm/idealbalance ⁠⁠⁠

Facebook →⁠⁠ ⁠https://facebook.com/MyIdealBalance⁠⁠⁠

YouTube→⁠⁠ ⁠https://youtube.com/@IdealBalance⁠⁠⁠

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

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It’s time to talk about groceries! We know you have a family to feed and you’re trying to do it on a budget. We’ve got all the tips and tricks to reduce the grocery bill and help you get your family on board with eating healthy on a budget.

This episode originally aired on the Christian Health Club Podcast with the amazing Chelsea who has combined her passion for Christ, her work as a nutritionist, and her life as a mom of three, to teach others how real food meets real life!

We’ll start off by telling you WHY we want you to eat healthy on a budget:

Being certified through Dave Ramsey’s financial coach program
How your health is your most important investment
You either pay now with healthy food or later in doctor & prescription bills

Then we cover the following ideas on how to eat healthy on a budget:

- The easiest way to lose weight and save money is to stop eating out
- How it will save you money
- The lazy way to meal plan
- How to let the kids and family get involved in meal planning, prepping & cooking
- How to reduce wasted food (wasted food = wasted money)
- Where to start if you find meal planning overwhelming
- How much you can save by not eating junk food (save cash, calories & space in the pantry)
- How junk food is designed to make you crave more so you eat more so you spend more
- How to prioritize protein & meat and how it helps you to be more full & save money
- Tips on figuring out the highest quality food for your specific budget
- How to buy whole foods and make it into food you can eat
- Why avoiding packaged food helps your budget & your waistline
- How to leverage store brands, bogo (buy one get one free) and other coupons / sales / deals
- When to use fresh produce vs frozen produce vs canned goods
- Meal prepping and meal prepping tips to save money on groceries

Chelsea is the Christian Nutritionist and host of the Christian Health Club Podcast. Check her out here: www.thechristiannutritionist.com https://www.thechristiannutritionist.com/podcast

Book a free call:⁠⁠ calendly.com/myidealbalance2/freecall⁠⁠⁠

Grab our 14 Day Sheet Pan Cookbook: myidealbalance.com/14-day-sheet-pan-cookbook

Email us any questions: info@myidealbalance.com

IDEAL BALANCE: How to Budget, Get Out of Debt, Save Money + Financial Systems to Organize Your Money

Even successful, high-achieving, Jesus-following moms need help organizing their finances. We help you learn how to budget, how to get out of debt & how to save money. We do this through 1-on-1 coaching where we teach you how to stop stressing about money & install systems that automate your finances. Once you have these money systems, you’ll be able to live debt-free, build wealth & achieve financial freedom. Join us to ditch the bad money habits & take control of your financial future.

Shana & Vanessa are best friends, business partners & Ramsey Solutions Master Financial Coaches.

⁠⁠Get the Digital Envelope System Our Client Used to Pay Off $17,591 in Debt and Save $23,000 in 7 Months Workbook here: h⁠ttps://ck.myidealbalance.com/deguide⁠⁠⁠

Connect With Us:

Website →⁠⁠ ⁠https://myidealbalance.com⁠⁠⁠

Podcast →⁠⁠ ⁠https://anchor.fm/idealbalance ⁠⁠⁠

Facebook →⁠⁠ ⁠https://facebook.com/MyIdealBalance⁠⁠⁠

YouTube→⁠⁠ ⁠https://youtube.com/@IdealBalance⁠⁠⁠

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

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Do you wait until the end of the month to pay off debt but then have nothing to pay off debt with?

Are you trying to pay extra on debt but you're not making much headway?

There are many different methods to paying off debt and getting debt free. Today we are sharing with you the #1 tip and trick we use with our clients to help them budget consistently and make extra debt payments the right way.

Listen to learn:

How to change your mindset & identity (especially if you have bad money habits)
How to create your own debt-free momentum
How to hold yourself accountable to paying off debt
How to stop the paycheck to paycheck struggle
How to know exactly how much debt to pay off each month
The tiny habits and tweaks you need to make paying off debt easier
How to remove the temptation to spend money that was set aside to pay off debt
How to use a zero based budget to pay off debt

Book a free call:⁠ ⁠calendly.com/myidealbalance2/freecall⁠⁠

Email us any questions: info@myidealbalance.com

IDEAL BALANCE: How to Budget, Get Out of Debt, Save Money + Financial Systems to Organize Your Money

Even successful, high-achieving, Jesus-following moms need help organizing their finances. We want to help you learn how to budget, how to get out of debt & how to save money. We do this through 1-on-1 coaching where we teach you how to stop stressing about money & install systems that automate your finances. Once you have these money systems, you’ll be able to live debt-free, build wealth & achieve financial freedom. Join us to ditch the bad money habits & take control of your financial future.

Shana & Vanessa are best friends, business partners & Ramsey Solutions Master Financial Coaches.

⁠Get the Digital Envelope System Our Client Used to Pay Off $17,591 in Debt and Save $23,000 in 7 Months Workbook here: h⁠ttps://ck.myidealbalance.com/deguide⁠⁠

Connect With Us:

Website →⁠ ⁠https://myidealbalance.com⁠⁠

Podcast →⁠ ⁠https://anchor.fm/idealbalance ⁠⁠

Facebook →⁠ ⁠https://facebook.com/MyIdealBalance⁠⁠

YouTube→⁠ ⁠https://youtube.com/@IdealBalance⁠⁠

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

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

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Do you want to get out of debt but you don’t want to live on beans and rice?

Are you not so much gazelle intense as you are gazelle at nap time?

We are going to talk to you today about how you can be on a budget, get out of debt, save money and build wealth without having to sacrifice everything about your lifestyle.

This episode is for everyone who loves Dave Ramsey and what he teaches but has a hard time implementing it in real life. We'll tell you about our clients who:

Paid $2K off in 2 months while still getting her hair and nails done.
Our client who paid off $56K in debt in 18 months while still going on several vacations every year.
Our clients who paid off her van while also spending $1200 on groceries every month because they eat high quality food and she values her family's health so much.

We will cover:

Why it's your budget, your way
No matter how bougie you want to be, there's always some way to start & something to trim
The balance between enjoying life, being healthy & being financially responsible
How to start small and eventually go bigger
How to be okay with starting "Daveish"
How people make things complicated as a form of self-sabotage
How we unconsciousing give ourselves excuses not to start
How to stop making excuses and start somewhere
How there is a middle ground between beans and rice and spending all of your money every paycheck

Book a free call: ⁠calendly.com/myidealbalance2/freecall⁠

Email us any questions: info@myidealbalance.com

IDEAL BALANCE: How to Budget, Get Out of Debt, Save Money + Financial Systems to Organize Your Money

Even successful, high-achieving, Jesus-following moms need help organizing their finances. We want to help you learn how to budget, how to get out of debt & how to save money. We do this through 1-on-1 coaching where we teach you how to stop stressing about money & install systems that automate your finances. Once you have these money systems, you’ll be able to live debt-free, build wealth & achieve financial freedom. Join us to ditch the bad money habits & take control of your financial future.

Shana & Vanessa are best friends, business partners & Ramsey Solutions Master Financial Coaches.

Get the Digital Envelope System Our Client Used to Pay Off $17,591 in Debt and Save $23,000 in 7 Months Workbook here: h⁠ttps://ck.myidealbalance.com/deguide⁠

Connect With Us:

Website → ⁠https://myidealbalance.com⁠

Podcast → ⁠https://anchor.fm/idealbalance ⁠

Facebook → ⁠https://facebook.com/MyIdealBalance⁠

YouTube→ ⁠https://youtube.com/@IdealBalance⁠

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

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Talking about money can be difficult! So many of us were brought up not to talk about money, that it’s taboo. That idea can definitely impact how we communicate about money in our marriage. In this episode we cover:

How to talk about money
How NOT to talk about money
How to conduct successful budget meetings with your spouse
How to get your spouse to want to come to the budget meeting
How to change your mindset so you’re not dreading a budget meeting
Why you need to keep the budget meeting short
How to compromise about the budget meeting
Why dreaming about your financial future will improve your relationship
How to stop hiding spending or debt from your spouse
Why you shouldn’t avoid money conversations
Money is not taboo, it’s a great tool that you’re going to use to do a lot of good in your life
You must stop using my, your, his, her, mine in your language
You should start using our & us
How to stop stressing about money
What to do when money is controlling your decisions, your mood and other parts of your life
Matthew 6:24 “No one can serve two masters. Either you will hate the one and love the other, or you will be devoted to the one and despise the other. You cannot serve both God and money.
How to come clean about debt, credit cards and other bad money habits so the weight can be lifted off of you

Book a free call: ⁠calendly.com/myidealbalance2/freecall⁠

Email us any questions: info@myidealbalance.com

Connect With Us:

Website → ⁠https://myidealbalance.com⁠

Podcast → ⁠https://anchor.fm/idealbalance ⁠

Facebook → ⁠https://facebook.com/MyIdealBalance⁠

YouTube→ ⁠https://youtube.com/@IdealBalance⁠

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

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Are you and your spouse on different pages when it comes to money? Financial goals? Spending habits? That’s totally normal!

Getting on a budget and sticking to it allows you to clear the air and get rid of any hidden anxiety about money in your marriage.

What would your marriage be like if you had some big dreams and goals and you were working on them together?

In this episode we cover:

Financial coaching can double as marriage counseling
Coaching is different than therapy
What not to do in your marriage
How to talk about money
How to relate with your spouse about money
How to conduct budget meetings
Why both spouses have to be involved in the budget process
Military families who are solo-budgeting
What not to do when it comes to marriage and money
How the 5 Love Languages can help you

Common problems in marriages about money:

Coming from different money backgrounds (poor, middle class, wealthy)
Hiding spending from the spouse
Having only one spouse handling all of the finances
Having different financial goals (i.e. saving money vs. paying off debt)
Having no vision with regard to financial future

Quotes:

“It’s time to step up. You both have to agree. You both have to be all in. Together.”

“Everyone might be busy and hate math, but you still have to find time to do the budget”.

“You have so much more waiting for you & your marriage than just living paycheck to paycheck.”

Book a free call: ⁠calendly.com/myidealbalance2/freecall⁠

Email us any questions: info@myidealbalance.com

IDEAL BALANCE: How to Budget, Get Out of Debt, Save Money + Financial Systems to Organize Your Money

Shana & Vanessa are best friends, business partners & Ramsey Solutions Master Financial Coaches.

Get the Digital Envelope System Our Client Used to Pay Off $17,591 in Debt and Save $23,000 in 7 Months Workbook here:

Connect With Us:

Website → ⁠https://myidealbalance.com⁠

Podcast → ⁠https://anchor.fm/idealbalance ⁠

Facebook → ⁠https://facebook.com/MyIdealBalance⁠

YouTube→ ⁠https://youtube.com/@IdealBalance⁠

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

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Do you have a hard time holding yourself accountable? Do you think you’re not so great with math? Do you consider yourself a spender? Do you live paycheck to paycheck?

Great, listen in because you and Shelby have a lot in common!

Shelby was a long time fan of Dave Ramsey. She listened to his show and even bought Financial Peace University. But she never held herself accountable. She never DID the thing.

“I have no willpower basically.”

She’s not alone. Maybe you know what you SHOULD be doing but you can’t seem to make yourself do it.

In this episode, we talk to them about:

How she tried budgeting but all she ever ended up with was a list of bills
How she was super embarrassed to talk about money but then she realized coaching is totally a judgment free zone
How she used to check her bank account everyday and have to do math to see what she could afford
How she’s never been able to talk about money because it felt so heavy but now she feels excited and encouraged
How she realized she grew up and how it made her a spender
How she loves being held accountable and really looks forward to her coaching sessions now
How she sees budgets as permission to spend now rather than restrictive
Why financial coaching is not just about money, but it helps you improve your life and relationships as well

And so much more!

Book a free call: ⁠calendly.com/myidealbalance2/freecall⁠

Email us any questions: info@myidealbalance.com

IDEAL BALANCE: How to Budget, Get Out of Debt, Save Money + Financial Systems to Organize Your Money

Even successful, high-achieving, Jesus-following moms need help organizing their finances. We want to help you learn how to budget, how to get out of debt & how to save money. We do this through 1-on-1 coaching where we teach you how to stop stressing about money & install systems that automate your finances. Once you have these money systems, you’ll be able to live debt-free, build wealth & achieve financial freedom. Join us to ditch the bad money habits & take control of your financial future.

Shana & Vanessa are best friends, business partners & Ramsey Solutions Master Financial Coaches.

Get the Digital Envelope System Our Client Used to Pay Off $17,591 in Debt and Save $23,000 in 7 Months Workbook here: h⁠ttps://ck.myidealbalance.com/deguide⁠

Connect With Us:

Website → ⁠https://myidealbalance.com⁠

Podcast → ⁠https://anchor.fm/idealbalance ⁠

Facebook → ⁠https://facebook.com/MyIdealBalance⁠

YouTube→ ⁠https://youtube.com/@IdealBalance⁠

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

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Retirement is just a number. Our Happily Ever After System shows you exactly how and when you can officially retire because you’re financially independent.

When we say retire here, we mean financial independence. That term is less understood, so we’ll take a moment to explain it before we begin. Financial independence is all about having options. When you have financial independence, you can choose to work or choose not to work. You can change jobs without concern. You can pursue a passion without worrying about money. You can take a year sabbatical and go do missionary work. You can take a few months off to help your child with their first child. It’s all about options. When we say retire, know that this is what we mean. We do not mean sitting at home on a recliner watching Wheel of Fortune (unless that’s what you want to do).

In this episode we cover:

How to calculate your retirement / financial freedom number.
Determine what your income will be including pensions, disability and anything else you’ll be getting.
Calculate the gap - how much you’ll need to pull out of investments to bridge the gap.
The 4% rule (how to live off of the interest of your investments rather than the principal)
The Rule of 72 / Compound Interest
How to calculate your net worth.
How to get to your magic retirement number
How to be a GOOD investor (not having to go stop/start investing or pulling from investing)
How to diversify your investments
Why you should pay off your home
Why you need to conduct an annual “Dream Date” where you discuss your financial goals, your dreams and your progress.

Book a free call: ⁠calendly.com/myidealbalance2/freecall⁠

Email us any questions: info@myidealbalance.com

IDEAL BALANCE: How to Budget, Get Out of Debt, Save Money + Financial Systems to Organize Your Money

Even successful, high-achieving, Jesus-following moms need help organizing their finances. We want to help you learn how to budget, how to get out of debt & how to save money. We do this through 1-on-1 coaching where we teach you how to stop stressing about money & install systems that automate your finances. Once you have these money systems, you’ll be able to live debt-free, build wealth & achieve financial freedom. Join us to ditch the bad money habits & take control of your financial future.

Shana & Vanessa are best friends, business partners & Ramsey Solutions Master Financial Coaches.

Get the Digital Envelope System Our Client Used to Pay Off $17,591 in Debt and Save $23,000 in 7 Months Workbook here: h⁠ttps://ck.myidealbalance.com/deguide⁠

Connect With Us:

Website → ⁠https://myidealbalance.com⁠

Podcast → ⁠https://anchor.fm/idealbalance ⁠

Facebook → ⁠https://facebook.com/MyIdealBalance⁠

YouTube→ ⁠https://youtube.com/@IdealBalance⁠

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

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People are stuck living paycheck to paycheck. When a paycheck arrives, they desperately try to make it do all of these magical things and then white-knuckle it until the next paycheck. That’s not great. Our paycheck plan makes every paycheck look the same.

Once you set this system up, your money will do the exact same thing every paycheck, which is going to make your life easier. Furthermore, you’re going to have enough money to last so you won’t even worry about when that next check is going to hit!

Your paycheck plan will take your monthly expenses and divide them by the number of paychecks you have each month. Then you’ll set up automatic transfers to the designated amounts you determined to happen on payday. That means the only thing you’ll have to do differently when a paycheck comes is fund anything special for the month and make any extra debt / savings payments.

In this episode we also cover:

How your budget is monthly, but it’s funded by paychecks.
Don’t wait until the end of the pay period to pay extra on debt.
How you can’t spend money if it’s not there.
How to save money and pay extra on debt every paycheck.
How there’s no such thing as an extra paycheck.
How Vanessa’s pretend gas budget is laughable.
How to fund groceries, gas, haircuts and everything else each paycheck.
How you only have to do TWO things manually each paycheck once you’ve set up our systems.

“That’s the beauty of the paycheck plan because you've done your budget and you know exactly what needs to happen when your paycheck hits. And it’s always the same and you don't have to use any brain calories.”

Book a free call: ⁠calendly.com/myidealbalance2/freecall⁠

Email us any questions: info@myidealbalance.com

IDEAL BALANCE: How to Budget, Get Out of Debt, Save Money + Financial Systems to Organize Your Money

Even successful, high-achieving, Jesus-following moms need help organizing their finances. We want to help you learn how to budget, how to get out of debt & how to save money. We do this through 1-on-1 coaching where we teach you how to stop stressing about money & install systems that automate your finances. Once you have these money systems, you’ll be able to live debt-free, build wealth & achieve financial freedom. Join us to ditch the bad money habits & take control of your financial future.

Shana & Vanessa are best friends, business partners & Ramsey Solutions Master Financial Coaches.

Get the Digital Envelope System Our Client Used to Pay Off $17,591 in Debt and Save $23,000 in 7 Months Workbook here: h⁠ttps://ck.myidealbalance.com/deguide⁠

Connect With Us:

Website → ⁠https://myidealbalance.com⁠

Podcast → ⁠https://anchor.fm/idealbalance ⁠

Facebook → ⁠https://facebook.com/MyIdealBalance⁠

YouTube→ ⁠https://youtube.com/@IdealBalance⁠

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

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Imagine money piling up all over the place. That’s what happens with our Digital Envelope System. The Digital Envelopes are chosen by each person but typically include the emergency fund, home repair, car repair, travel, gifts and more. With our system, you will set up automatic transfers to allot money for each account each month. Then, you’ll sit back and watch each account grow with each paycheck and be super excited because you’re covered whenever something big comes your way.

The Digital Envelope System was born out of a desire to have money available for each need without having to use cash for every item. We don’t recommend this system until you’re very comfortable and disciplined with your budget and sticking to it. That’s because you might find yourself robbing Peter to pay Paul. That’s no good! Once you are ready, however, you’re absolutely going to love this system!

The Digital Envelope System mimics the Cash Envelope System but takes it up a notch. With the cash envelope system, you pull money out of your bank and divide it up into budget items like gas, groceries and personal spending money. Our digital system allows mature budgets to use “Digital Envelopes” to hold the money for all of these items. It also sets up containers for the Savings Buckets (see the podcast published right before this one).

The Digital Envelope System works with a habit you already have: bank account balancing. That means that you look in your bank app to see if you have money. However, in this instance you will be looking at a specific account to see if you have money for a particular expense.

It also works with another new human behavior concept: gamification. Gamification applies typical elements of game playing (e.g. scoreboards, rapid feedback, reward structure and more) to other areas of life. In this case, you have a scoreboard every time you open your bank app and you’re in competition with yourself.

Listen in to learn how to use this system and:

How to know exactly what you can afford for big and small expenses
How to know exactly what you have for each category in your budget
How to separate your bills, expenses and savings
How to get excited about saving money
Exactly how to set up a Digital Envelope System
How to apply gamification to your money
How to use this system to save & pay for things like medical copays and pet appointments

You’re the master of your money, not the other way around. We are teaching you how to have a good relationship with your budget and your money. We want you to feel confident and excited about your financial future!

Book a free call: calendly.com/myidealbalance2/freecall

Email us any questions: info@myidealbalance.com

IDEAL BALANCE: How to Budget, Get Out of Debt, Save Money + Financial Systems to Organize Your Money

Even successful, high-achieving, Jesus-following moms need help organizing their finances. We want to help you learn how to budget, how to get out of debt & how to save money. We do this through 1-on-1 coaching where we teach you how to stop stressing about money & install systems that automate your finances. Once you have these money systems, you’ll be able to live debt-free, build wealth & achieve financial freedom. Join us to ditch the bad money habits & take control of your financial future.

Shana & Vanessa are best friends, business partners & Ramsey Solutions Master Financial Coaches.

Get the Digital Envelope System Our Client Used to Pay Off $17,591 in Debt and Save $23,000 in 7 Months Workbook here: https://ck.myidealbalance.com/deguide

Connect With Us:

Website → https://myidealbalance.com

Podcast → https://anchor.fm/idealbalance

Facebook → https://facebook.com/MyIdealBalance

YouTube→ https://youtube.com/@IdealBalance

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

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A savings bucket is a savings account with a purpose. Unlike the emergency fund and investments, savings buckets take into account your larger annual expenses and divide the cost so that you can budget for them monthly. This system is when you know you’re next level. Rather than just setting money aside without a plan, we’re going to have a specific plan.

This system is so awesome because when a big bill comes, you’re not wondering how you’re going to pay for it or reaching for a credit card. Instead, you’re confident you have the money for it and not stressed at all! Plus, you do not have to go further into debt because you’re so organized! One of our clients recently text us about this system:

“Had to get new tires today (they were old but went in for a nail in one, not to replace) and it was really cool to have $800 ready to go in my car maintenance fund!! Even the tire guy seemed a little nervous to tell me I needed tires. I think he's used to people being unprepared. He sounded a tiny bit surprised when I said "sure, go for it!"

Here are the steps we’re going over in this episode.

Brainstorm every savings bucket you have in a year. These are things you spend a lot of money on each year or can expect to. Use the list below for inspiration.
Calculate how much you need for each of those funds.
Divide that savings bucket amount by 12 (or the amount of months you have left to save for it).
Put those numbers in your monthly budget!
Be relieved when you have money for that emergency pet visit or new tires!

Examples of savings buckets (also called sinking fund):

Car repairs
Pet expenses
Christmas
Vacation
Home repairs
Taxes
Medical / Dental / Vision expenses
Prescriptions
Insurance premiums (life, auto, property)
HOA fees
Annual memberships
Furniture
Home remodel
Back to school / clothing
Tuition
Car replacement
Wedding
Moving
New Baby

“When her paychecks go in, they fund the bills account and it all spreads out because they’re out of debt. So, it goes to her kids fund, her home repair fund, it goes to all of her funds. So, all she has to do is pull up her account and look and see exactly how much money she has. There’s no guessing game.”

Book a free call: calendly.com/myidealbalance2/freecall

Email us any questions: info@myidealbalance.com

IDEAL BALANCE: How to Budget, Get Out of Debt, Save Money + Financial Systems to Organize Your Money

Even successful, high-achieving, Jesus-following moms need help organizing their finances. We want to help you learn how to budget, how to get out of debt & how to save money. We do this through 1-on-1 coaching where we teach you how to stop stressing about money & install systems that automate your finances. Once you have these money systems, you’ll be able to live debt-free, build wealth & achieve financial freedom. Join us to ditch the bad money habits & take control of your financial future.

Shana & Vanessa are best friends, business partners & Ramsey Solutions Master Financial Coaches.

Get the Digital Envelope System Our Client Used to Pay Off $17,591 in Debt and Save $23,000 in 7 Months Workbook here: https://ck.myidealbalance.com/deguide

Connect With Us:

Website → https://myidealbalance.com

Podcast → https://anchor.fm/idealbalance

Facebook → https://facebook.com/MyIdealBalance

YouTube→ https://youtube.com/@IdealBalance

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Paying bills is as fun as getting a root canal. Our Stress Free Bills System designates an account especially for bills and then pays them automatically each month for you without you ever having to lift a finger. Basically, we’ll teach you how to use your bank accounts as your personal assistant.

Problems the bills system solves:

Not knowing if a bill is going to get paid
Late payment & NSF fees
Not knowing if you have enough money in your account

In this episode we also cover:

Definition of a bill versus an expense
How to choose the right account for your bills system
How to separate shopping, spending, gas & groceries money from your bills money
Why renaming accounts in your bank is a good idea
How to set up direct deposits, bills and payments to be automated to save time
How you have better things to do than stress over paying bills
How to be confident & in control about your finances
Why ACH payments are preferable to debit / credit cards

Book a free call: calendly.com/myidealbalance2/freecall

Email us any questions: info@myidealbalance.com

Get the Digital Envelope System Our Client Used to Pay Off $17,591 in Debt and Save $23,000 in 7 Months Workbook here: https://ck.myidealbalance.com/deguide

Connect With Us:

Website → https://myidealbalance.com

Podcast → https://anchor.fm/idealbalance

Facebook → https://facebook.com/MyIdealBalance

YouTube→ https://youtube.com/@IdealBalance

IDEAL BALANCE: How to Budget, Get Out of Debt, Save Money + Financial Systems to Organize Your Money

Even successful, high-achieving, Jesus-following moms need help organizing their finances. We want to help you learn how to budget, how to get out of debt & how to save money. We do this through 1-on-1 coaching where we teach you how to stop stressing about money & install systems that automate your finances. Once you have these money systems, you’ll be able to live debt-free, build wealth & achieve financial freedom. Join us to ditch the bad money habits & take control of your financial future.

Shana & Vanessa are best friends, business partners & Ramsey Solutions Master Financial Coaches.

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Stop giving away all of your hard earned money!

Payments do not have to be a life sentence. The Get Out Of Debt (GOOD) Plan that is easy to understand and follow that tells you exactly how to pay off each debt and when. It also prompts ideas on how to pay off debt even faster. The GOOD Plan even lets you know when you can be out of debt completely.

In this episode we cover:

How minimum payments are structured so you can pay them for the rest of your life
Why paying a little more each month doesn’t work to get out of debt
Why waiting to the end of the month to use “what’s leftover” doesn’t work to get out of debt
Why the #1 rule to getting out of debt is to borrow no more (Dave Ramsey)
Why you should stop worrying about interest rates and start worrying about BEHAVIOR CHANGE and HABITS
How you know if you can’t afford something
What system to use to pay off debt
How to target all of your available resources (energy, time & money) on ONE goal
Why tracking your progress really helps with the maintaining momentum
How to take your frustration out on your credit cards
How to figure out when you will be debt-free
Ways to knock out debt faster
Why getting out of debt is awesome

You know we don’t hold back. We love you enough to be honest and call you to a higher standard. Here are some quotes from this podcast:

“If you can’t pay cash for it, you can’t afford it. Borrowing someone else’s money to afford it doesn’t mean you can afford it. It means they could afford it. Not you.”

“If you were good at math, you wouldn’t be in debt.”

“You’re putting a little bit of money toward everything and you’re not making progress on anything.”

But there is hope! You’re listening & ready to do this aren’t you? That’s all it takes. Listen in to get the motivation & next steps you need to get out of debt- for good!

Book a free call: calendly.com/myidealbalance2/freecall

Email us any questions: info@myidealbalance.com

IDEAL BALANCE: How to Budget, Get Out of Debt, Save Money + Financial Systems to Organize Your Money

Even successful, high-achieving, Jesus-following moms need help organizing their finances. We want to help you learn how to budget, how to get out of debt & how to save money. We do this through 1-on-1 coaching where we teach you how to stop stressing about money & install systems that automate your finances. Once you have these money systems, you’ll be able to live debt-free, build wealth & achieve financial freedom. Join us to ditch the bad money habits & take control of your financial future.

Shana & Vanessa are best friends, business partners & Ramsey Solutions Master Financial Coaches.

Get the Digital Envelope System Our Client Used to Pay Off $17,591 in Debt and Save $23,000 in 7 Months here: https://ck.myidealbalance.com/deguide

Connect With Us:

Website → https://myidealbalance.com

Podcast → https://anchor.fm/idealbalance

Facebook → https://facebook.com/MyIdealBalance

YouTube→ https://youtube.com/@IdealBalance

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We don’t want you to be controlled BY your money. We want you to CONTROL your money. You probably have enough money, you just don’t have a plan.

That plan is the Rolling Budget!

The budget isn’t everyone’s favorite but it’s the singular tool to use to hit EVERY SINGLE goal you’ve got. Listen in for tips about starting & maintaining a budget as easily and effectively as possible.

In this episode we cover:

What people are doing wrong when it comes to budgeting
The step-by-step process to start your budget quickly
How to do a bank account audit
The difference between gross pay and net pay
Best practices for setting up your budget
The difference between bills, debt and expenses
How to account for the different needs every month in the budget
When you should use cash and when you should keep your money digital
Why you should try cash
How to use an emergency fund to make budgeting work
Why a small emergency fund is okay
What bills you need to shop around for lower prices
Pro tips for communicating about money in marriage
How to avoid emotional purchases
Budgets & beer

Most people are using bank account balancing as their primary financial tool. This means they look at their phone to see if they can afford something. With a budget, you always know exactly what you can afford and how you’re going to meet your goals. A budget tells your money where to go rather than wondering where it went.

Be sure to visit https://www.annualcreditreport.com/index.action

Book a free call: calendly.com/myidealbalance2/freecall

Email us any questions: info@myidealbalance.com

IDEAL BALANCE: How to Budget, Get Out of Debt, Save Money + Financial Systems to Organize Your Money

Even successful, high-achieving, Jesus-following moms need help organizing their finances. We want to help you learn how to budget, how to get out of debt & how to save money. We do this through 1-on-1 coaching where we teach you how to stop stressing about money & install systems that automate your finances. Once you have these money systems, you’ll be able to live debt-free, build wealth & achieve financial freedom. Join us to ditch the bad money habits & take control of your financial future.

Shana & Vanessa are best friends, business partners & Ramsey Solutions Master Financial Coaches.

Get the Digital Envelope System Our Client Used to Pay Off $17,591 in Debt and Save $23,000 in 7 Months Workbook here: https://ck.myidealbalance.com/deguide

Connect With Us:

Website → https://myidealbalance.com

Podcast → https://anchor.fm/idealbalance

Facebook → https://facebook.com/MyIdealBalance

YouTube→ https://youtube.com/@IdealBalance

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

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Our clients come and go in different financial statuses. Which financial status are you currently in? Chaos? Crusader? Happily Ever After? Listen to find out.

In this podcast episode we’re talking about:

Money anxiety
How to get relief & control back in your finances
Money mindset
Debt pay off strategies
Organizing your
Living paycheck to paycheck
What’s more important than your credit score
NSF fees
How you can be like Frodo from Lord of the Rings
How to see the light at the end of the tunnel with your money
Getting to automatically saving & investing
Being able to be as generous as you want to

Side note: money is amoral. It is a tool that can be used for good or for bad. We know you’re going to use it for good, so get over your shyness and get ready to have an incredible financial future full of opportunities and generosity!

The first status is chaos. During this status, you have no idea what’s going on financially. Typically, you’re scared or overwhelmed about what’s going on so you just ignore it. This doesn’t mean you’re not making ends meet. It usually just means you make good money but have nothing to show for it. It means you aren’t sure how to make financial decisions, so you wing it or use debt.

The second status happens when you organize your finances to get out of debt. Debt is a thief that keeps you paying for the past rather than funding the future. Regular, wealthy, financially independent people aren’t using debt or credit scores as a measure of any success, trust us. In fact, we have a saying we like to use:

“The poor pay interest, while the rich earn interest.”

The Third Law of Wealth from the Richest Man in Babylon

The third status is when you’ve gotten out of debt and have set up a solid investment plan and you understand when you will be financially independent. In this stage, you’ll start piling up cash in your emergency fund, your vacation and gift-giving accounts as well your investments and anything else you are excited to fund.

So, where are you? We hope to get you into that third status with this book. If you use each system we list in this workbook, you’ll be on your way!

Book a free call: calendly.com/myidealbalance2/freecall

Email us any questions: info@myidealbalance.com

IDEAL BALANCE: How to Budget, Get Out of Debt, Save Money + Systems to Organize Your Finances

Even successful, high-achieving, Jesus-following moms need help organizing their finances. We want to help you learn how to budget, how to get out of debt & how to save money. We do this through 1-on-1 coaching where we teach you how to stop stressing about money & install systems that automate your finances. Once you have these money systems, you’ll be able to live debt-free, build wealth & achieve financial freedom. Join us to ditch the bad money habits & take control of your financial future.

Shana & Vanessa are best friends, business partners & Ramsey Solutions Master Financial Coaches.

Get the Digital Envelope System Our Client Used to Pay Off $17,591 in Debt and Save $23,000 in 7 Months Workbook here: https://ck.myidealbalance.com/deguide

Connect With Us:

Website → https://myidealbalance.com

Podcast → https://anchor.fm/idealbalance

Facebook → https://facebook.com/MyIdealBalance

YouTube→ https://youtube.com/@IdealBalance

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Recently we taught a group of high school students all about saving money, budgeting, debt & investing.After each lesson, we asked them for their takeaways. Today we're going to bring you their takeaways that you probably should know but may not be practicing. Even if you make more money, don't spend more money Put your emergency fund in a money market When you get a raise, your investments get a raise Don't ever take money out of your investments Put your goals on paper, they are more feasible than you think You can be completely debt-free your entire life Investing is really importantIn this episode we also cover: How to avoid lifestyle creep Where to put your emergency fund so you can make more than .01% interest How to make your money work for you The difference between a starter emergency fund and the fully funded emergency fund The difference between the checking account, savings account and the money market account when it comes to your emergency fund The compound interest that you’re paying in debt versus earning in investment How to be a good investor (ie. don’t stop / start & never pull from investments) Why writing goals on paper makes a big difference How you can be your own bank How helping your kids learn to save will serve them WAY better than a credit score How building a credit score is NOT what we want to teach our kids How to completely change your kids’ financial futureIDEAL BALANCE: How to Budget, Get Out of Debt, Save Money + Financial Systems to Organize Your MoneyEven high-achieving, Jesus-following moms need help organizing their finances. We want to help you learn how to budget, how to get out of debt & how to save money. We do this through 1-on-1 coaching where we teach you how to stop stressing about money & install systems that automate your finances. Once you have these money systems, you’ll be able to live debt-free, build wealth & achieve financial freedom. Join us to ditch the bad money habits & take control of your financial future.Shana & Vanessa are best friends, business partners & Ramsey Solutions Master Financial Coaches.Get the 7 Money Systems Our Client Used to Pay Off $17,591 in Debt and Save $23,000 in 7 Months Workbook Here: https://ck.myidealbalance.com/7moneysystemsConnect With Us:Website → https://myidealbalance.comPodcast → https://anchor.fm/idealbalanceFacebook → https://facebook.com/MyIdealBalanceYouTube → https://youtube.com/@IdealBalanceThis episode is also available as a blog post: http://myidealbalance.com/2023/03/06/5-things-high-schoolers-know-about-saving-money-that-you-might-not/--- Send in a voice message: https://anchor.fm/idealbalance/message

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In this episode, we are speaking to our client Ashleigh about a particular payment she couldn’t figure out when she was trying to get started on her budget. There was a $7 payment in her bank statement audit that she couldn’t figure out until she pulled her bank statement. $7, no big deal right? When she finally obtained a billing statement she found out she’d be paying $7 for the next 47 years. Listen in to find out what she did instead.

Also, in this episode we cover:

The techniques credit companies use to get you & keep you in debt
Why a $7 payment is a bad idea
How to use your credit report and bank statements to make sure you’re not missing anything in your budget and money
How every payday is a fresh new start to get it right How coaching gives you perspective and support to achieve your goals

Get the 7 Money Systems Our Client Used to Pay Off $17,591 in Debt and Save $23,000 in 7 Months - Free Call On The Thank You Page

Connect With Us:

Website → https://myidealbalance.com/

Podcast → The Ideal Balance Show

Facebook →@MyIdealBalance

YouTube→@IdealBalance

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Do you want to stop stressing about money? Do you feel like no one bothered teaching you about money and personal finance? Are you using credit cards to afford life?

You'll want to listen to this episode. It'll pull at your heartstrings and you'll find yourself relating to Amanda & Joe's story. In this episode, we talk to them about:

How coaching was best investment in their marriage they've ever made
How doing the work to improve their financial situation improved their relationship & communication
How they went from not having money for groceries to talking now about building generational wealth
Growing up and how she never had to worry about money and he never had any money
How he felt sheltered financially while in the military and then had to face reality when he separated
How she didn't think she could afford to finish school but now she's set to graduate in May.

And so much more!

Website - > www.myidealbalance.com

Connect - > info@myidealbalance.com

If you’d like more help, we’d love to work together **

Option 1: Grab our free guided life coaching session - > https://myidealbalance.com/guidedsession

Option 2: Join our newsletter - > ck.myidealbalance.com/newsletter

Option 3: Hop on a free call to see if we should work together! - > calendly.com/myidealbalance/level-10-life-call

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Your home is your most valuable asset. Hooray! But it's also so expensive to maintain. Today we are talking about home repairs & maintenance including when you SHOULD go for the big price tag and when you should avoid it. We'll talk about EXACTLY how to start saving TODAY, even if it's $5, so that future you isn't so stressed out when something happens! We'll also cover:

How your home plays into your NET WORTH
Why you need to protect your asset
Questions to consider before you replace / repair things around the home
Exactly how to save for grown up things like duct repair, new ac units and a tankless water heater

Website - > www.myidealbalance.com

Connect - > info@myidealbalance.com

If you’d like more help, we’d love to work together **

Option 1: Grab our free guided life coaching session - > https://myidealbalance.com/guidedsession

Option 2: Join our newsletter - > ck.myidealbalance.com/newsletter

Option 3: Hop on a free call to see if we should work together! - > calendly.com/myidealbalance/level-10-life-call

This episode is also available as a blog post: http://myidealbalance.com/2023/01/27/how-to-afford-expensive-home-repairs-without-having-a-heart-attack-or-using-debt/

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Do you struggle to take the time to notice and reflect on the changes that are taking place as a result of the work you've been doing? Good news, you're normal.

Do you get frustrated in the messy middle? That's the part where things seem worse or more frustrating than when you started but are a NECESSARY part of the process. Good news, you're still normal.

What's more important to you: Netflix or vacation? Does it feel like that's a silly choice? Maybe, but listen to see if you agree with one of our clients.

Last but not least-what if there were a way that your budget could be more simple & more automatic?

We love bringing you the direct breakthroughs and lessons we're working through with our clients because they are probably going to feel really familiar and we hope they help you. They might even help you help someone else with an encouraging word or a thought provoking question. In this episode we cover:

How to maintain momentum during the weight loss stages
Why part of the process of getting out of debt has to suck enough to make you mad
How to evaluate whether certain budget items are more important than your overall financial goals
What automatic transfers are and how they are a game changer for any budget

Website - > www.myidealbalance.com

Connect - > info@myidealbalance.com

If you’d like more help, we’d love to work together **

Option 1: Grab our free guided life coaching session - > https://myidealbalance.com/guidedsession

Option 2: Join our newsletter - > ck.myidealbalance.com/newsletter

Option 3: Hop on a free call to see if we should work together! - > calendly.com/myidealbalance/level-10-life-call

This episode is also available as a blog post: http://myidealbalance.com/2023/01/18/stop-doing-life-money-wrong-with-these-lessons-from-our-coaching-sessions/

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Ever had a fight about money?

Stressed about the lack of savings?

Do you have no idea what your finances will look like in ten years?

We had a great discussion with Christine Hinrichs, Podcast Host & Creator of The MilSpouse Mastermind Show and we are bringing it to you now. While she focuses on helping military spouses specifically, we think every household will benefit from this conversation. Some highlights:

How to make money conversations fun and not stressful
How to stop paying NSF fees
Tools you can use with your employer and banks to hit financial goals
How to pay your bills automatically

And more! Find out about Christine by visiting MilSpouseMastermind.com.

Website - > www.myidealbalance.com

Connect - > info@myidealbalance.com

If you’d like more help, we’d love to work together **

Option 1: Grab our free guided life coaching session - > https://myidealbalance.com/guidedsession

Option 2: Join our newsletter - > ck.myidealbalance.com/newsletter

Option 3: Hop on a free call to see if we should work together! - > calendly.com/myidealbalance/level-10-life-call

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Have you ever noticed that when mom is cranky, everyone is cranky? Or if mom is on a healthy eating kick, everyone is suddenly on a healthy eating kick? Today we’re talking about how mom leads the way in many cases. It’s a lot of responsibility on mom’s shoulders but we’re here to help, to give you perspective and some questions you can ask yourself to make it all work!

Website - > www.myidealbalance.com

Connect - > info@myidealbalance.com

If you’d like more help, we’d love to work together **

Option 1: Grab our free guided life coaching session - > https://myidealbalance.com/guidedsession

Option 2: Join our newsletter - > ck.myidealbalance.com/newsletter

Option 3: Hop on a free call to see if we should work together! - > calendly.com/myidealbalance/level-10-life-call

This episode is also available as a blog post: http://myidealbalance.com/2023/01/13/mom-leads-the-way/

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How do you balance life as a woman, mom & wife at business? Today, join Shana & Vanessa (@myidealbalance) as they guest on Ashley Lance’s Podcast I’m Da Mama to talk about whether there is such a thing as balance as a mom, how to define your value and even what to do when you feel like you want to go back to work or contribute financially to the household. We’ll cover:

The real value of a Stay At Home Mom versus the world’s (or your own) perceived value
What’s more important than financial contribution
How to budget as a stay at home mom
How to determine if you NEED to go back to work as a mom
How to got back to work after becoming a mom because you WANT to
Why it’s okay to want more than motherhood
How to start a side hustle or business debt free
How to budget irregular income like that from a MLM or commission basis

Listen more to Ashley @ I’m Da Mama Podcast

Website - > www.myidealbalance.com

Connect - > info@myidealbalance.com

If you’d like more help, we’d love to work together **

Option 1: Grab our free guided life coaching session - > https://myidealbalance.com/guidedsession

Option 2: Join our newsletter - > ck.myidealbalance.com/newsletter

Option 3: Hop on a free call to see if we should work together! - > calendly.com/myidealbalance/level-10-life-call

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How exactly to achieve the nine most popular New Year’s goals (Ultimate Goal Setting & Getting Guide)

You’ve got goals, we’ve got answers! Today we’re talking about the top 9 goals everyone has and exactly how to achieve them. In today’s episode we talk about:

How you have to first assess where you’re at before setting a goal
Why you should focus on one thing at a time
How to lose weight and exercise more (We have a do-anywhere 5, 10, 15, 20 minute workout in here!)
How to eat healthier and stop eating out so much (We like to plan your meals AND your nights out so your brain knows what’s up!)
Exactly how to get out of debt (One tip will be to reinforce the good habit by filling in a tracker every time you pay down debt-it’ll key the reward center in your brain and make you want to do it more!)
How to spend more time with family and friends (A key tip is to communicate this tip to your loved ones and they’ll be more likely to help you do it!)
How to watch less TV/become less glued to computer and mobile screens (Do you really love this time because it’s your only alone time? Are you pairing this time with snacks or alcohol? We have to solve that too!)
How to achieve that awesome goal to travel more (starts with an annual plan and blocking out dates)
How to be less stressed (There are some easy hack to make this happen)
How to get more sleep (everyone needs to do this!)

Links from the show:

1. 8 tips to get more sleep so it’s easier to lose weight
1. 5 hacks to drink more water & hit your intake goals
1. Ideal Time
1. How to stop being on your phone so much
1. Eating out is ruining your weight loss progress
1. Morning Ritual

Website - > www.myidealbalance.com

Connect - > info@myidealbalance.com

If you’d like more help, we’d love to work together **

Option 1: Grab our free guided life coaching session - > https://myidealbalance.com/guidedsession

Option 2: Join our newsletter - > ck.myidealbalance.com/newsletter

Option 3: Hop on a free call to see if we should work together! - > calendly.com/myidealbalance/level-10-life-call

This episode is also available as a blog post: http://myidealbalance.com/2023/01/06/how-exactly-to-achieve-the-nine-most-popular-new-years-goals-ultimate-goal-setting-getting-guide/

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4 lessons from a 17 year old (that we all wish we hadn't waited until our 30s+ to learn)

Click here to get our 14 Day Sheet Pan Cookbook (1 dish + 7 Ingredients or less!) <<<

What would your life have been like if you had mastered your relationship with food when you were 17?

What if you had learned that certain foods are making you feel terrible and decided to be done with them….when you were 17?

What if you’d figured out that your friends were not bringing out the best in you? What if, when you were 17, you’d learned that certain relationships were holding you back? That certain relationships weren’t serving you and that it was okay to move on? How would your life be different?

These lessons and more are what we’re talking about in this episode. It’s okay if you were today-years-old when you realized these things. The most important thing is that you listen in and take these lessons to heart because they’re true for you too. Listen now to see how to apply these things to your life today. We’re covering:

How meal prep & meal planning are not complicated
Some easy ways to hack eating healthy & on the go
How to make it so there’s not a lot of dishes when you meal prep
How to know if certain foods are making you feel bad
How to pick foods for a meal plan so you don’t feel sad and deprived
How your friendships can either help or hinder your goals
Why it’s okay to change up your inner circle when you’re growing as a person
How your friends can make you gain weight
How you have to change your mindset to believe in yourself
How your body is strong and capable of doing hard things

Website - > www.myidealbalance.com

Connect - > info@myidealbalance.com

If you’d like more help, we’d love to work together **

Option 1: Grab our free guided life coaching session - > https://myidealbalance.com/guidedsession

Option 2: Join our newsletter - > ck.myidealbalance.com/newsletter

Option 3: Hop on a free call to see if we should work together! - > calendly.com/myidealbalance/level-10-life-call

This episode is also available as a blog post: http://myidealbalance.com/2022/11/29/4-lessons-from-a-17-year-old-that-we-all-wish-we-hadnt-waited-until-our-30s-to-learn/

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Join us for a fun guest podcast interview we did with Samantha Brown. We talk everything from friendship to business to home organization. Listen to hear about:

What pretend progress is & how to fix it
How women don’t give ourselves credit for what we are doing. Instead we jump to the next thing.
How exactly our friendship led to business together. How we work together being very different (we’ve never had sisters before).
How the Total Money Makeover and a trip to Portugal changed Vanessa’s life.
How personal training turned into life coaching for Shana.
How we do home organization together.
How we have totally screwed up hiring personal assistants a few times.
How impatient we are as business owners.
How things have to be messy before they get better. This goes for fitness, for your money issues, for home organization and business!
What a Level 10 Life is. It comes from the popular Life Wheel exercise coaches.

Go to this link to see some of our before & afters for home organization.

Find out more about Samantha Brown here or on Instagram. She helps folks turn their organizing obsession into a chic, profitable business.

Website - > www.myidealbalance.com

Connect - > info@myidealbalance.com

*If you’d like more help, we’d love to work together *

Option 1: Grab our free guided life coaching session - > https://myidealbalance.com/guidedsession

Option 2: Join our newsletter - > ck.myidealbalance.com/newsletter

Option 3: Hop on a free call to see if we should work together! - > calendly.com/myidealbalance/level-10-life-call

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What is nagging at you right now? What’s the one thing that you really want to do, to cross off your list, to FINALLY tackle?

There’s usually one or two things that are nagging at us that for some reason just stay undone.

But, whyyyyyy?

Most of the time it’s because we’ve made the problem into some big ambiguous cloud in our head. If we took the time to really think/brainstorm about it, it really wouldn’t seem quite so difficult after all. So, that’s the exercise we’re going to work through today.

In this episode we cover:

How to call out what’s nagging you
How you’re making the thing BIGGER than the thing needs to be
How to brainstorm things down to their smallest parts
How to make big things (i.e. organizing a junk room) little things (bulleted list)
How to prioritize & schedule doing the small things

Website - > www.myidealbalance.com

Connect - > info@myidealbalance.com

If you’d like more help, we’d love to work together **

Option 1: Grab our free guided life coaching session - > myidealbalance.com/guidedsession

Option 2: Join our newsletter - > ck.myidealbalance.com/newsletter

Option 3: Hop on a free call to see if we should work together! - > calendly.com/myidealbalance/level-10-life-call

This episode is also available as a blog post: http://myidealbalance.com/2022/11/16/how-to-stop-being-stuck-and-take-action-immediately/

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Have you ever battled an addiction with your phone, social media or alcohol?

Have you ever tried at a business and failed?

Have little things with your child culminated into a big thing?

Have you been stuck just feeling stuck and discontent?

Sometimes we think these things are just us "failing at life." Today we're going to talk to you about how they may be evidence of spiritual warfare. These strongholds in your life can trap you and keep you from living our your full purpose.

Today we are honored to have Stefanie Gass on our show to talk to you about how to walk through spiritual battles in your life. In this episode we cover:

How to recognize a spiritual attack
What your discernment alarm is and how to use it
Where you're most vulnerable to attack
Why you you may be stuck sitting in the same trial and haven't overcome it yet
Why you must NAME the attack
How to call on God & let Him fight for you
How to equip yourself to fight
Why your battles don't end with prayer
How to receive victory

Get the 7-STEP SPIRITUAL BATTLE PLAN here: www.stefaniegass.com/battleplan

Stefanie Gass is a CEO, wife, boy mom, coffee lover, and #pjsallday enthusiast! Stef helps women get clear on their niche, start a podcast, and grow a successful online business, God's way.

She is the host of a top .5% globally ranked podcast for Christian Entrepreneurs, The Stefanie Gass Show.

Stef believes it's possible to partner with God to create impact and income without sacrificing or buying into social media hustle.

Connect w/ Stef: www.thestefaniegasshow.com

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Are you crushing it at life - or at least does it look like it from the outside looking in?

Maybe on the inside you know better.

That’s how our client Brittany felt. She was feeling stress & anxiety about her family’s finances & health, and the impact on her marriage. She had a long list of to-do’s that only seemed to grow. She was worried that she wasn’t spending enough time with her children. She hadn’t been to the gym in months. She couldn’t look in certain rooms or areas of her home because they were filled with clutter and unmade decisions. Worst of all, she finally admitted to herself that she needed a drink at night to unwind and make sense of it all.

Does any of that sound familiar to you?

Listen today to see how she went from that to saying:

“I feel so much better already.”
“I’m a day ahead.”
“I’ve been to the gym everyday this week.”

That’s what our client said after one week working together.

You’re absolutely capable of doing hard things and helping other people achieve their goals. Why then is it so difficult for you to make progress on your own dreams and desires?

Listen this week to hear all about it.

Hop on a free call to see if we should work together! - > Book Call

This episode is also available as a blog post: http://myidealbalance.com/2022/11/09/are-you-like-brittany/

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Today we are sharing four MORE "Lessons from the Sessions." These are takeaways from recent sessions with our clients that we bet will resonate with you and we hope will help you. You can listen to exactly what life coaching is like if you’re interested.

We had a client recently find out her clinic was closing and she was out of a job. She has been trying to find a new job and keep moving but still finds her emotions feeling like a roller coaster. Listen to hear how we helped her through this sucky situation.

In another takeaway, we had a client who absolutely didn’t believe the financial future we told her was possible for her family. Guess what? It’s happening! Listen in for how to trust the process and your coach even when you can’t believe the outcome is possible for you.

One of our clients was recently trying to get motivated to do the home organization projects she KNOWS she wants to get done. Listen to hear how we coached her so she can PREDICTABLY get motivated every single time. We also have a bonus tip on how to get your kids to help!

In our last takeaway, our client was upset she couldn’t pay off as much debt this month as she had previously. She felt like a failure. Listen in as we talk about how perfection isn’t the goal, how you can’t be a rockstar every month, why that’s normal and okay and how to stay focused on the bigger picture and how far you’ve come!

Overall, these takeaways help in the areas of budgeting, getting out of debt, managing your emotions, goal setting, reducing debt, sacrificing short term gratification for long term satisfaction and how to get your home organized with your family’s help.

Website - > www.myidealbalance.com

Connect - > info@myidealbalance.com

If you’d like more help, we’d love to work together **

Option 1: Grab our free guided life coaching session - > https://myidealbalance.com/guidedsession

Option 2: Join our newsletter - > ck.myidealbalance.com/newsletter

Option 3: Schedule on a free call to see if we should work together! - > https://calendly.com/myidealbalance/level-10-life-strategy-call

Send in a voice message: https://anchor.fm/idealbalance/message

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If you'll give yourself 17 minutes, we'll give you clarity, vision, specific problems to solve and tools that you can use to solve them. Take the time for yourself. Stop scrolling. Stop being busy. Stop taking in more information. Instead, pause and truly evaluate where you're at right now. Then use your own VERY SMART AND CAPABLE brain to come up with solutions and action items. We know you're totally capable so we're providing the questions, the guidance and a little audio to help you! Whether you're struggling with losing weight, meal planning, fighting with your spouse, yelling at your kids, being too busy, overwhelm, anxiety, clutter or any other sort of problem, this 17 minute coaching session will help you.

Website - > www.myidealbalance.com

Connect - > info@myidealbalance.com

If you’d like more help, we’d love to work together **

Option 1: Grab our free guided life coaching session - > https://myidealbalance.com/guidedsession

Option 2: Join our newsletter - > ck.myidealbalance.com/newsletter

Option 3: Schedule on a free call to see if we should work together! - > https://calendly.com/myidealbalance/level-10-life-strategy-call

Send in a voice message: https://anchor.fm/idealbalance/message

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We don’t want to body shame anyone, but there are some real, hard truths we want to be real about in today’s episode. We think there is a LOT you’re up against in today’s culture when it comes to being healthy. We’re going to lay out the problems as we see it and then we’ll give you the solutions that we’ve come up with.

In this episode we cover:

✔️ Why you need to think for yourself and come to your own conclusions

✔️ Why eating real food is the easiest and best solution

✔️ What real food is

✔️ How eating real food will help you get hormones, hunger & taste buds back to normal

✔️ Whether the doctors and medical system are to blame for our poor health

✔️ What processed food is & why it’s bad

✔️ How to move your body

✔️ How to live more naturally

✔️ Alternative health solutions you could consider

Ideal Balance is The Life Coaching Facility in Navarre, Florida that focuses on Fitness, Family & Finance. We help our clients create the discipline & habits they need to strip off what’s holding them back from living the life God created them to live. We work with clients in 1-on-1 sessions in person, virtually and in small groups. We offer life coaching, financial coaching and health coaching. We also offer personal training and home organization locally here in Navarre, Florida.

If you want help with any of this, fill this quick form out and we'll be in touch.

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We don’t want to body shame anyone, but there are some real, hard truths we want to be real about in today’s episode. We think there is a LOT you’re up against in today’s culture when it comes to being healthy. We’re going to lay out the problems as we see it and then we’ll give you the solutions that we’ve come up with.

In this episode we cover:

✔️ How we’re more sick than ever

✔️ How we’re more obese than ever

✔️ Our lifespan is shortening

✔️ How disease is not normal

✔️ Whether the doctors and medical system are to blame for our poor health

✔️ The difference between food and food-like substances

✔️ What the crap we’re eating is doing to our bodies

Ideal Balance is The Life Coaching Facility in Navarre, Florida that focuses on Fitness, Family & Finance. We help our clients create the discipline & habits they need to strip off what’s holding them back from living the life God created them to live. We work with clients in 1-on-1 sessions in person, virtually and in small groups. We offer life coaching, financial coaching and health coaching. We also offer personal training and home organization locally here in Navarre, Florida.

If you want help with any of this, fill this quick form out and we'll be in touch.

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Today we are sharing four "Lessons from the Sessions." These are takeaways from recent sessions with our clients that we bet will resonate with you and we hope will help you.

We had a client recently turn her cell phone off in order to tighten up her budget--after one session. We have never had a client go that far so quickly and we certainly won't ask you to do that. We do, however, talk about the difference between wants and needs, why she chose to give it up and what some of the potential ramifications are in her life.

In another takeaway, we talk about a client who is trying to finish her degree. Her degree that may or may not have an impact on her career. And, by the way, she's currently in a career that she had no intention of being in when she started out. So, the main lesson here is to learn to step back and ask why are you doing what you’re doing. There may be outside or past influences in your life that you need to reassess. Listen to hear exactly how we helped her work through this.

One of our clients was recently trying to get in the routine of a morning routine. She came up against the obstacle of being tired. We coached her on exactly how to deal with it and achieve her goal!

On our last takeaway we talk about our coaching for a client who is trying to eat healthy in order to lose weight. She's been making it complicated and she's confused about her macros and portions. We told her exactly how to handle dinner in order to take away the stress and decision making anxiety while also being able to reach her goals!

Click this link to get our 14 Day Sheet Pan Cookbook: 7 ingredients or less, 7 steps or less, 1 pan to cook & clean. What’s not to like?

Overall, these takeaways help in the areas of budgeting, goal setting, reducing expenses, sacrificing short term gratification for long term satisfaction, what to eat, how to deal with a family who doesn't eat healthy when you're trying to and how to deal with a busy schedule, being tired and achieving your goals at the same time.

Ideal Balance is The Life Coaching Facility in Navarre, Florida that focuses on Fitness, Family & Finance. We help our clients create the discipline & habits they need to strip off what’s holding them back from living the life God created them to live. We work with clients in 1-on-1 sessions in person, virtually and in small groups. We offer life coaching, financial coaching and health coaching. We also offer personal training and home organization locally here in Navarre, Florida.

If you want help with any of this, fill this quick form out and we'll be in touch.

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The normal route of going to college typically looks like: going into debt > partying > taking six years to accomplish a four year degree.

You/your child are going to be different! We are going to help you learn to take care of yourself, to be in control, to pay for your college with cash, to stay focused, learn a lot, enjoy the ride and finish in four years.

A lot of people finish college with debt and a lot of regrets about the decisions they made: the people they were with, the things they did, the hangovers and exhaustion and confusion.

There's a whole different way to go to college. We've seen it. We've been super inspired by these young people that are crushing it so young!

Financial Aid? More like Financial Injury.

In this episode we cover:

✔️ The reality about whether you need to go to college or not

✔️ What people use college for instead of learning

✔️ The normal path of debt > partying > six years instead of four

✔️ How to be different adn set apart from normal

✔️ How to choose a school based on finances instead of feelings

✔️ Things to consider about in state vs. out of state schools

✔️ How much the college you go to actually matters

✔️ How to afford school using a budget, scholarships, savings and part time work

✔️ The many different types of scholarships available

✔️ How to make a plan and implement it now

Ideal Balance is The Life Coaching Facility in Navarre, Florida that focuses on Fitness, Family & Finance. We help our clients create the discipline & habits they need to strip off what’s holding them back from living the life God created them to live. We work with clients in 1-on-1 sessions in person, virtually and in small groups. We offer life coaching, financial coaching and health coaching. We also offer personal training and home organization locally here in Navarre, Florida.

If you want help with any of this, fill this quick form out and we'll be in touch.

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No one ever grew up saying, “I can’t wait to pay bills.” No, paying bills was one of the worst parts of growing up, right up there with making your own dentist appointments. Contrast that with setting your own bedtime, eating as much junk food as you wanted and sleeping in. That’s what we were all excited about!

Paying bills just isn’t fun.

We developed a system for paying bills that is as painless as humanly possible for our clients. And now we’re bringing it to you.

In this episode we cover:

✔️ How to stop playing the guessing game with your money and your bank accounts

✔️ The difference between bills and expenses

✔️ How to set up a bills account to make paying bills automatic

✔️ Which banks work the best for you

✔️ The exact system to implement so your bills get paid every month without you having to do anything!

✔️ How to separate spending and paying bills so you always know how much money you have

Ideal Balance is The Life Coaching Facility in Navarre, Florida that focuses on Fitness, Family & Finance. We help our clients create the discipline & habits they need to strip off what’s holding them back from living the life God created them to live. We work with clients in 1-on-1 sessions in person, virtually and in small groups. We offer life coaching, financial coaching and health coaching. We also offer personal training and home organization locally here in Navarre, Florida.

If you want help with any of this, fill this quick form out and we'll be in touch.

This episode is also available as a blog post: http://myidealbalance.com/2022/08/29/implement-this-4-step-system-to-automate-your-bills/

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You’ve decided to commit to your health by beginning a workout program. Congratulations! Your next step is to block out your workout times in your calendar. Treat them just like you would a doctor appointment or an important business meeting. That means, you don’t schedule other events during that time. It also means that you don’t cancel, you don’t not show up, you don’t come in late. We’re going to tell you how & why this is the case!

In this episode we cover:

✔️ Exactly how the best intentions get thwarted when it comes to your workout sessions

✔️ How to use your particular schedule management system to help you succeed

✔️ What mentality & attitude you need to stay committed and reach your goals

✔️ Exactly how to work on your food & drink intake to improve your sleep

✔️ The stats that prove how exercise compares to medicine in terms of sleep, risk for disease, bone fractures, depression and more.

✔️ How your workout session is like a business meeting with yourself where you address all the problems and obstacles you’re facing and deal with them

This episode is available as a blog post: https://myidealbalance.com/2022/08/03/treat-your-personal-training-sessions-like-a-doctor-appointment/ Ideal Balance is The Life Coaching Facility in Navarre, Florida that focuses on Fitness, Family & Finance. We help our clients create the discipline & habits they need to strip off what’s holding them back from living the life God created them to live. We work with clients in 1-on-1 sessions in person, virtually and in small groups. We offer life coaching, financial coaching and health coaching. We also offer personal training and home organization locally here in Navarre, Florida.

If you want help with any of this, fill this quick form out and we'll be in touch.

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8 tips to get more sleep so it’s easier to lose weight In this modern world, there are so many things we have to train ourselves to do that should come naturally. This includes sleep, relaxing, not being obese, being active, not being sick, cooking, you name it. With all of our advances, we’re much better at technology but we seem to be losing some of our more instinctual practices. So, we need to start from that mindset- this is something that should come naturally but it doesn’t and that’s okay. With that mindset, we can give ourselves permission to dedicate time and effort to learn how to do the thing. In this case, that’s sleep. So, just realize it might mean an overhaul to what you’ve been doing. But that’s okay! We’re giving you eight practical tips you can implement to improve your sleep.

In this episode we cover:

✔️ How to use sunlight to improve your sleep

✔️ What bad light is, how to avoid it and counteract it

✔️ Why nightlights are actually inhibiting sleep (shocker!)

✔️ Exactly how to work on your food & drink intake to improve your sleep

✔️ Ways to control the temperature so you sleep better

✔️ Ways to be active enough to earn your rest

✔️ How to get yourself on a routine / schedule / ritual to get to & stay asleep

✔️ How close to bedtime you should ditch electronics to improve your sleep

✔️ HOw to get your mind right before bed in order to get better sleep

This episode is available as a blog post: https://myidealbalance.com/2022/08/02/8-tips-to-get-more-sleep-so-its-easier-to-lose-weight/

Ideal Balance is The Life Coaching Facility in Navarre, Florida that focuses on Fitness, Family & Finance. We help our clients create the discipline & habits they need to strip off what’s holding them back from living the life God created them to live. We work with clients in 1-on-1 sessions in person, virtually and in small groups. We offer life coaching, financial coaching and health coaching. We also offer personal training and home organization locally here in Navarre, Florida.

If you want help with any of this, fill this quick form out and we'll be in touch.

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Sleep should come naturally, shouldn’t it? Unfortunately in our very unnatural world these days it’s becoming more and more evasive.

In this episode we cover:

✔️ How sleep helps you lose weight

✔️ How your body is a fat burning machine at night

✔️ How sleep (or lack of it) affects what types of food you consume

✔️ How sleep (or lack of it) affects your mood & motivation

This episode is available as a blog post: https://myidealbalance.com/2022/08/02/8-tips-to-get-more-sleep-so-its-easier-to-lose-weight

Ideal Balance is The Life Coaching Facility in Navarre, Florida that focuses on Fitness, Family & Finance. We help our clients create the discipline & habits they need to strip off what’s holding them back from living the life God created them to live. We work with clients in 1-on-1 sessions in person, virtually and in small groups. We offer life coaching, financial coaching and health coaching. We also offer personal training and home organization locally here in Navarre, Florida.

If you want help with any of this, fill this quick form out and we'll be in touch.

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Water is important. For all the reasons. That is another topic entirely. Today we are here assuming you agree but maybe you’re finding that drinking at least half of your body weight in ounces keeps eluding you. We talk about this all the time with our clients so we’ve devised several little hacks to help you get your water intake up while working with your habits.

In this episode we cover:

✔️ How much water you should drink

✔️ When to sneak water in to get the best benefits

✔️ How to work with existing habits to get more water

✔️ The easy, should’ve-been-obvious hack to get more water in

✔️ How to drink more water while working

✔️ Lifestyle hacks to get more water in

This episode is also available as a blog post: http://myidealbalance.com/2022/06/14/5-hacks-to-drink-more-water-hit-your-intake-goals/

Ideal Balance is The Life Coaching Facility in Navarre, Florida that focuses on Fitness, Family & Finance. We help our clients create the discipline & habits they need to strip off what’s holding them back from living the life God created them to live. We work with clients in 1-on-1 sessions in person, virtually and in small groups. We offer life coaching, financial coaching and health coaching. We also offer personal training and home organization locally here in Navarre, Florida.

If you want help with any of this, fill this quick form out and we'll be in touch.

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Transitioning from working mom or working woman to stay-at-home-mom is hard for many reasons. We are talking today about why it’s hard, our experiences and also giving you a few tips to maybe make it better!

In this episode we cover:

✔️ The identity problems that surface

✔️ What happens to your confidence when you make this transition

✔️ The #1 problem you face as a SAHM even though you might be in denial

✔️ The tedium and the endless hours

✔️ Our #1 tip to make things better

✔️ How to reframe your brain & rediscover yourself

This episode is also available as a blog post: http://myidealbalance.com/2022/06/14/7-reasons-why-transitioning-to-a-sahm-is-so-hard-5-tips-to-make-it-better/

Ideal Balance is The Life Coaching Facility in Navarre, Florida that focuses on Fitness, Family & Finance. We help our clients create the discipline & habits they need to strip off what’s holding them back from living the life God created them to live. We work with clients in 1-on-1 sessions in person, virtually and in small groups. We offer life coaching, financial coaching and health coaching. We also offer personal training and home organization locally here in Navarre, Florida.

If you want help with any of this, fill this quick form out and we'll be in touch.

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It’s summer which is the perfect time to eat well! We want you to be able to have your best summer ever and fuel all the fun activities!

In this episode we cover:

✔️ Why eating healthy is SIMPLE and UNCOMPLICATED ✔️ How to eat like a human ✔️ The exact step-by-step plan to plan your family’s meals this summer ✔️ Strategies for meal planning to make it easier ✔️ How Vanessa really feels about mushrooms ✔️ The exact step-by-step plan on how to meal prep ✔️ Pro tips & Hacks to make meal prepping easier ✔️ How your kids can help and learn about healthy eating too ✔️ A freebie to help you plan & pack on-the-go foods for the fun summer activities

Please grab all the freebies we talked about in the show at this website:

https://myidealbalance.com/2022/06/13/how-to-easily-meal-plan-prep-this-summer/

Ideal Balance is The Life Coaching Facility in Navarre, Florida that focuses on Fitness, Family & Finance. We help our clients create the discipline & habits they need to strip off what’s holding them back from living the life God created them to live. We work with clients in 1-on-1 sessions in person, virtually and in small groups. We offer life coaching, financial coaching and health coaching. We also offer personal training and home organization locally here in Navarre, Florida.

If you want help with any of this, fill this quick form out and we'll be in touch.

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We know you want the best for your kids. You’re probably like us where “the best” isn’t defined as more stuff or more wealth necessarily. More likely, you want them to have the knowledge and tools to pursue a life of purpose, impact, service and happiness. But how do you talk to your kids about money? What do you say? How soon do you start? We’re answering these questions and more in our three part series Teaching Kids About Money.

In this episode we cover:

✔️ What are the questions to ask before deciding on college?

✔️ Do you need student loans?

✔️ How to teach kids to focus on net worth instead of debt scores

✔️ How your kids can achieve financial independence

✔️ How to avoid the trap of the acquisition of stuff vs. the acquisition of financial freedom

This episode is available as a blog post available at the link below: https://myidealbalance.com/2022/05/03/teaching-kids-about-money/

Ideal Balance is The Life Coaching Facility in Navarre, Florida that focuses on Fitness, Family & Finance. We help our clients create the discipline & habits they need to strip off what’s holding them back from living the life God created them to live. We work with clients in 1-on-1 sessions in person, virtually and in small groups. We offer life coaching, financial coaching and health coaching. We also offer personal training and home organization locally here in Navarre, Florida.

If you want help with any of this, fill this quick form out and we'll be in touch.

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We know you want the best for your kids. You’re probably like us where “the best” isn’t defined as more stuff or more wealth necessarily. More likely, you want them to have the knowledge and tools to pursue a life of purpose, impact, service and happiness. But how do you talk to your kids about money? What do you say? How soon do you start? We’re answering these questions and more in our three part series Teaching Kids About Money.

In this episode we cover:

✔️ How, why & what to teach your kids about budgets

✔️ The difference between needs vs. wants

✔️ What kids need to know about saving & investing

✔️ The definition of debt

✔️ What your kids need to know about credit scores

This episode is available as a blog post available at the link below: https://myidealbalance.com/2022/05/03/teaching-kids-about-money/

Ideal Balance is The Life Coaching Facility in Navarre, Florida that focuses on Fitness, Family & Finance. We help our clients create the discipline & habits they need to strip off what’s holding them back from living the life God created them to live. We work with clients in 1-on-1 sessions in person, virtually and in small groups. We offer life coaching, financial coaching and health coaching. We also offer personal training and home organization locally here in Navarre, Florida.

If you want help with any of this, fill this quick form out and we'll be in touch.

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Teaching your kids about money

We know you want the best for your kids. You’re probably like us where “the best” isn’t defined as more stuff or more wealth necessarily. More likely, you want them to have the knowledge and tools to pursue a life of purpose, impact, service and happiness. But how do you talk to your kids about money? What do you say? How soon do you start? We’re answering these questions and more in our three part series Teaching Kids About Money.

In this episode we cover:

✔️ The stats of the “normal” state of personal finance in America ✔️ Raising your expectations for what your kids can learn & put into practice NOW ✔️ The normal American path: college, debt, more debt, work for 50 years, retire & pinch pennies and how your kids can be different ✔️ How to share your financial wins & losses with your kids This episode is also available as a blog post: http://myidealbalance.com/2022/05/03/teaching-kids-about-money/

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It’s that time of year where you’re probably eyeing your closet and your wardrobe, thinking about making some edits and changes. We’ve got you covered! We have eight really awesome, super doable tips to get you ready to organize your closet! In this episode we cover: ✔️ The pros and cons on tackling a little at a time or doing it all at once ✔️ How to design your space to make it fun & uniquely you ✔️ How to use your space effectively in order to make stuff easy to put away & get out ✔️ Pro tips on storage & organization ✔️ How to make a great closet happen on a budget This episode is also available as a blog post: http://myidealbalance.com/2022/04/19/8-tips-to-organize-your-closet-this-weekend/ Ideal Balance is The Life Coaching Facility in Navarre, Florida that focuses on Fitness, Family & Finance. We help our clients create the discipline & habits they need to strip off what’s holding them back from living the life God created them to live. We work with clients in 1-on-1 sessions in person, virtually and in small groups. We offer life coaching, financial coaching and health coaching. We also offer personal training and home organization locally here in Navarre, Florida. If you want help with any of this, fill this quick form out and we'll be in touch.

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Money management & personal finance can be complicated but we want to make it simple & easy for you which is why we are sharing the concept of a digital envelope system with you. This system works with your natural money habits and behavior to help you manage your money responsibly & efficiently.

In this episode we cover:

✔️ When you should use cash versus when you should use this system ✔️ What accounts you should open to manage your money digitally ✔️ How many accounts (budget categories) you should have open ✔️ Two key hacks for using “bank account balancing” ✔️ The exact system to track exactly each budget category for the month by keeping your money in specific accounts

This episode is also available as a blog post: http://myidealbalance.com/2020/09/09/do-you-need-a-digital-envelope-system/

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4 Types of eating: the 2 you should be doing & the 2 you should avoid

How is your relationship with food? The more you know yourself & understand food & nutrition, the easier it will be for you to be healthy and lose weight! Today we are talking about the four types of eating we do and we will walk you through how to avoid the not so great types and how to incorporate good ones!

In this episode we cover:

✔️ Fuel eating: when you eat to fuel your body, create health ✔️ The difference between calories and fuel for your body and what it means for your energy levels ✔️ Fog eating: when you eat without being aware ✔️ The most common times you’re consuming calories without realizing it & tips to stop ✔️ Storm eating: when you eat in response to emotion ✔️ How to retrain yourself to DEAL with emotions instead of eating / drinking them ✔️ Joy eating: When you PLAN to eat for fun or on a special occasion ✔️ Why joy eating should be part of the plan

This episode is also available as a blog post: http://myidealbalance.com/2021/02/01/the-4-types-of-eating-which-to-do-which-to-avoid/ Ideal Balance is The Life Coaching Facility in Navarre, Florida that focuses on Fitness, Family & Finance. We help our clients create the discipline & habits they need to strip off what’s holding them back from living the life God created them to live. We work with clients in 1-on-1 sessions in person, virtually and in small groups. We offer life coaching, financial coaching and health coaching. We also offer personal training and home organization locally here in Navarre, Florida.

If you want help with any of this, fill this quick form out and we'll be in touch.

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Many of our clients have goals in the finance and the fitness department. That means that they want to save money AND save calories. We’ve created this list to help you save money while sticking to your health goals. We don't believe that you should sacrifice the quality of your food or your endeavor to be healthy just to save a few dollars. However, we also don't believe eating healthy has to be more expensive, but you have to be smart about it!

Check out this silly picture of our temporary not-so-state-of-the-art podcast booth.

In this episode we cover:

The fastest way to save money in your grocery budget right now
Whether or not saving money with frozen produce is right
Tips & tricks for making your money & your food go further
The difference in costs between eating out & eating at home
The cheapest healthy foods you can buy
How many people are eating so many more calories than they require and how that adds up in a budget

We also have a graphic available at the link below with the list of healthy foods.

This episode is also available as a blog post: http://myidealbalance.com/2021/08/10/8-ways-to-eat-healthy-on-a-budget/

Ideal Balance is The Life Coaching Facility in Navarre, Florida that focuses on Fitness, Family & Finance. We help our clients create the discipline & habits they need to strip off what’s holding them back from living the life God created them to live. We work with clients in 1-on-1 sessions in person, virtually and in small groups. We offer life coaching, financial coaching and health coaching. We also offer personal training and home organization locally here in Navarre, Florida.

If you want help with any of this, fill this quick form out and we'll be in touch.

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We want to give you some advice that we’ve learned along the way as professional organizers that hopefully you can implement in your home. We want to help folks because, as you’ll hear on the show, people are embarrassed to invite company over, clutter makes you anxious and even EAT MORE (that’s not fair) and INCREASED housework (absolutely unacceptable.

In this episode we cover:

✔️ Why mom is so stressed and anxious

✔️ How you might be underestimating how much clutter affects your home life & relationships

✔️ How excited EVERYONE is when the home gets more tidy

✔️ Why you should raise your expectations for your family to help you with home

✔️ Don’t stall getting your home organized by thinking you need to buy items.

This episode is also available as a blog post: http://myidealbalance.com/2021/11/04/3-lessons-weve-learned-as-professional-organizers/

Ideal Balance is The Life Coaching Facility in Navarre, Florida that focuses on Fitness, Family & Finance. We help our clients create the discipline & habits they need to strip off what’s holding them back from living the life God created them to live. We work with clients in 1-on-1 sessions in person, virtually and in small groups. We offer life coaching, financial coaching and health coaching. We also offer personal training and home organization locally here in Navarre, Florida.

If you want help with any of this, fill this quick form out and we'll be in touch.

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Do you have a business? Have you thought about it? Today we are talking all about how we started and grew our business to six figures DEBT FREE and being PROFITABLE from day one. And we give some fun examples along the way. If you're a fan of Dave Ramsey or Mike Michalowicz or just interested in hearing more, tune in!

In this episode we cover:

✔️ What it means to have a debt-free business

✔️ What it means to be profitable

✔️ How to start and grow a business debt-free

✔️ How we use the Profit First system

✔️ Why this is the right way to do it

✔️Lessons we learned abs challenges we faced.

Ideal Balance is The Life Coaching Facility in Navarre, Florida that focuses on Fitness, Family & Finance. We help our clients create the discipline & habits they need to strip off what’s holding them back from living the life God created them to live. We work with clients in 1-on-1 sessions in person, virtually and in small groups. We offer life coaching, financial coaching and health coaching. We also offer personal training and home organization locally here in Navarre, Florida.

If you want help with any of this, fill this quick form out and we'll be in touch.

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So often there’s no room in our brain for what smart people call cognitive dissonance. You see, your brain thinks that the fact that you are a healthy person working toward a goal AND that you are a person that occasionally eats for joy CANNOT be true at the same time. So, when you step outside of what you imagine your perfect healthy self to be, it wants to put you in the other category. The "well-I-failed-nevermind" category.

But how does that serve you? Well, it doesn’t. Instead, what if it was simply true that you get to decide differently. So, if you have a minor “setback” you can DECIDE what you make it mean. We'll tell you how.

This episode is also available as a blog post: http://myidealbalance.com/2021/01/28/it-only-takes-one-moment-to-get-back-on-track/

Ideal Balance is The Life Coaching Facility in Navarre, Florida that focuses on Fitness, Family & Finance. We help our clients create the discipline & habits they need to strip off what’s holding them back from living the life God created them to live. We work with clients in 1-on-1 sessions in person, virtually and in small groups. We offer life coaching, financial coaching and health coaching. We also offer personal training and home organization locally here in Navarre, Florida.

If you want help with any of this, fill this quick form out and we'll be in touch.

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Do you ever get excited at the prospect of a 3 paycheck month? Or do you think your bonus is “extra” money?

Well, tough love friend, but we’re here to tell you why that’s not true.

In this episode we cover:

✔️ How the calendar tricks you with these “extra” paychecks

✔️ How to make sure your bills and expenses are covered depending on when paychecks land in your account

✔️ How bills are monthly but certain expenses are daily

✔️ Why you should think bigger than paycheck to paycheck

✔️ How there are never extra dollar bills because every dollar bill needs a job

✔️How to budget extra paychecks from side hustles, commissions & bonuses

This episode is also available as a blog post: http://myidealbalance.com/2020/12/15/theres-no-such-thing-as-an-extra-paycheck/

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Guess what? The more time you’re in the kitchen, the more likely you are to eat food in the kitchen. AND! The more food you eat, the more dishes there are. Thusly, we will laid out the very simple and easy plan for you to eat less and have fewer dishes.

In this episode we cover:

✔️ How to make using willpower easier by staying out of the kitchen

✔️ When to be in the kitchen

✔️ Why you should shut it down in between meal times

✔️ Why you should stop eating after dinner (hint: sleep better)

✔️ Why this is important for your kids too!

This episode is available as a blog post available at the link below: This episode is also available as a blog post: http://myidealbalance.com/2022/02/09/close-the-kitchen-to-make-getting-healthy-easier/

Ideal Balance is The Life Coaching Facility in Navarre, Florida that focuses on Fitness, Family & Finance. We help our clients create the discipline & habits they need to strip off what’s holding them back from living the life God created them to live. We work with clients in 1-on-1 sessions in person, virtually and in small groups. We offer life coaching, financial coaching and health coaching. We also offer personal training and home organization locally here in Navarre, Florida.

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Are you trying to fit it all in but wondering if there's really enough room to squeeze it in? Or are you going day-by-day, guessing what the day will look like and unsure when the most important things, or the goals you've set will get any time or attention? Budget your time like you would your money: it's a limited resource and you want to be sure you're investing it in what matters most.

In this episode we cover:

✔️ Why to focus on your weeks instead of your days

✔️ How to recognize the natural blocks in your day

✔️ How to block time out and then define those blocks

✔️ Why you should add in buffer / margin

✔️ Not to aim for perfection but instead just create a blueprint for a great week!

This episode is available as a blog post available at the link below: This episode is also available as a blog post: http://myidealbalance.com/2021/08/31/ideal-time/

Ideal Balance is The Life Coaching Facility in Navarre, Florida that focuses on Fitness, Family & Finance. We help our clients create the discipline & habits they need to strip off what’s holding them back from living the life God created them to live. We work with clients in 1-on-1 sessions in person, virtually and in small groups. We offer life coaching, financial coaching, health coaching. We also offer personal training and home organization locally here in Navarre, Florida. Fill out the information below if you’re interested in our help and we will contact you.

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Happy Valentine’s Day. Let’s talk about sex in your marriage! Normal marriage seems to include a dormant sex life and, unfortunately, a roommate-type of relationship. Sex forces a couple to be vulnerable with one another. You can’t be too proud when you’re naked (well, most of us can’t be). Sex forces us to break down the walls that get put up in a marriage. When walls come down, you can get past things that drove you apart, caused you to bicker, to feel distant. You can just be the two of you that you started off as.

In this episode we cover:

✔️ Why sex is important in your marriage

✔️ Benefits of sex

✔️ How to make time for it

✔️ Examples of how to create a spark

This episode is available as a blog post and your amazing date night bingo is available at the link below: This episode is also available as a blog post & you can get your amazing date night bingo game here: http://myidealbalance.com/2022/02/08/sex-in-marriage-get-encouraged/. Ideal Balance is The Life Coaching Facility in Navarre, Florida that focuses on Fitness, Family & Finance. We help our clients create the discipline & habits they need to strip off what’s holding them back from living the life God created them to live. We work with clients in 1-on-1 sessions in person, virtually and in small groups. We offer life coaching, financial coaching and health coaching. We also offer personal training and home organization locally here in Navarre, Florida.

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If you’ve ever had months where it seems like every piper has come to be paid, this is the tool for you! Sinking funds will help you to alleviate those months where it seems like the property taxes are due and two birthdays are coming up and for some reason it’s also the month Amazon Prime renews. Gross!

In this episode we cover:

✔️ What a sinking fund is

✔️ Why you need a sinking fund

✔️ Examples of FUN sinking funds (saving for vacation)

✔️ Examples of regular ol’ adulting sinking funds (car maintenance)

✔️ How to brainstorm, plan and budget your unique savings goals with sinking funds Where to put your money when you’re saving it whether you’re new or disciplined with budgeting.

This episode is available as a blog post and your amazing sinking fund planner is available at the link below: https://myidealbalance.com/2020/09/09/what-is-a-sinking-fund-and-do-you-need-one-or-five/

Ideal Balance is The Life Coaching Facility in Navarre, Florida that focuses on Fitness, Family & Finance. We help our clients create the discipline & habits they need to strip off what’s holding them back from living the life God created them to live. We work with clients in 1-on-1 sessions in person, virtually and in small groups. We offer life coaching, financial coaching and health coaching. We also offer personal training and home organization locally here in Navarre, Florida.

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You’ve heard the term “diversity your investments,” right? Well, we believe your health is one of the most important investments you make. And we also believe it needs to be diversified. Some people stick to the same exact routine day after day. We think you should change it up, not only for your body but for your mind and motivation too.

In this episode we cover:

✔️ How to marry strength & cardio for a perfect blend of fitness

✔️ How & why to incorporate core, balance & flexibility into your routine

✔️ Different tools you can use to keep it fresh

✔️ How to switch up time, reps and resistance week to week to challenge yourself

✔️ Follow the link below to get some workout ideas too!

Ideal Balance is The Life Coaching Facility in Navarre, Florida that focuses on Fitness, Family & Finance. We help our clients create the discipline & habits they need to strip off what’s holding them back from living the life God created them to live. We work with clients in 1-on-1 sessions in person, virtually and in small groups. We offer life coaching, financial coaching and health coaching. We also offer personal training and home organization locally here in Navarre, Florida.

This episode is also available as a blog post: http://myidealbalance.com/2022/01/24/10-ways-to-diversify-your-fitness-so-your-body-doesnt-catch-up-your-mind-doesnt-get-bored/

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Today we’re going to talk about retirement. Whether you’re young or mature (😉) you want to pay attention. You might be doing a lot of work to get your finances in order and budget correctly, but if you don’t understand the end goal, you can lose motivation. Today we want to tell you about a simple concept called the 4% rule that can help you know exactly when you can plan to retire. It may be sooner than you think and it hopefully is much simpler than you think. So, let’s dive in.

In this episode we cover:

✔️ How to figure out HOW MUCH you need to retire

✔️ How to figure out how much you need in your investments in order to retire

✔️ The simple and easy rule you can follow to manage retirement

✔️ The pros & cons of the 4% rule

Ideal Balance is The Life Coaching Facility in Navarre, Florida that focuses on Fitness, Family & Finance. We help our clients create the discipline & habits they need to strip off what’s holding them back from living the life God created them to live. We work with clients in 1-on-1 sessions in person, virtually and in small groups. We offer life coaching, financial coaching and health coaching. We also offer personal training and home organization locally here in Navarre, Florida.

This episode is also available as a blog post: http://myidealbalance.com/2022/01/17/how-you-can-easily-calculate-your-own-retirement-numbers/

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Let's face it, we all know we should spend less time on our phones. But how? Below we've got some short & straight-to-the-point tips for how you can spend less time on your phone.

In this episode we cover:

✔️ All the depressing but true statistics about your phone usage and how it links to anxiety, poor eyesight, bad parenting and bad sleep for example.

✔️ How to change your morning & evening routines to exclude your phone

✔️ How & what things to do NOT on your phone like bills, games, work and more

✔️ How to use your phone against your phone including usage, notifications and more

✔️ How to set up no phone zones

✔️ How to ramp up the time, space & reasons to not be on your phone.

Ideal Balance is The Life Coaching Facility in Navarre, Florida that focuses on Fitness, Family & Finance. We help our clients create the discipline & habits they need to strip off what’s holding them back from living the life God created them to live. We work with clients in 1-on-1 sessions in person, virtually and in small groups. We offer life coaching, financial coaching and health coaching. We also offer personal training and home organization locally here in Navarre, Florida.

This episode is also available as a blog post: http://myidealbalance.com/2021/12/29/how-to-stop-being-on-your-phone-so-much/

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We know you’ve got big goals this year. We know it’s still early enough for you to be excited! We’re hoping to get to you before any breakdowns happen. We want you to keep the momentum you feel on the first of the year toward achieving your hopes and dreams. And we’ve got three super specific strategies to do just that. We’re giving lots of realistic examples for losing weight, eating better, getting on a budget, spending more quality family time and getting out of debt.

In this episode we cover:

✔️ How to avoid overwhelm about your big, audacious goals ✔️ How to chunk your goals down so they are DOABLE ✔️ How to create your own momentum and motivation with your goals ✔️ The one question you can ask yourself daily to crush your goals ✔️ How to systemize your goals so they fit in with your daily life

Looking for a coach? Learn more at https://myidealbalance.com

Ideal Balance is The Life Coaching Facility in Navarre, Florida that focuses on Fitness, Family & Finance. We help our clients create the discipline & habits they need to strip off what’s holding them back from living the life God created them to live. We work with clients in 1-on-1 sessions in person, virtually and in small groups. We offer life coaching, financial coaching and health coaching. We also offer personal training and home organization locally here in Navarre, Florida.

This episode is also available as a blog post: http://myidealbalance.com/2022/01/04/how-to-maintain-the-long-term-relationship-with-your-goals-so-you-can-actually-reach-them/

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It’s the beginning of the month which means we’re telling you exactly how we did on the goals we set for last month. We are walking you through the goals we set, how we did or did not achieve them without feeling guilty or overwhelmed. In this episode we cover:

✔️ How to set goals that are realistic

✔️ Why your goals don’t always have to be BIG and achievement-based

✔️ How to align your goals with who you want to be

✔️ How to use habit stacking to achieve goals

✔️ How to break down goals so they become achievable Looking for a coach?

Learn more at https://myidealbalance.com

Ideal Balance is The Life Coaching Facility in Navarre, Florida that focuses on Fitness, Family & Finance. We help our clients create the discipline & habits they need to strip off what’s holding them back from living the life God created them to live. We work with clients in 1-on-1 sessions in person, virtually and in small groups. We offer life coaching, financial coaching and health coaching. We also offer personal training and home organization locally here in Navarre, Florida.

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Fasting is a great way to reset spiritually and physically. In this episode we talk to you about the three day corporate fast we did. We'll tell you why we did it, exactly what the parameters were, what we learned and what we might do in the future.

In this episode we cover:

✔️ What you should consider before you begin your fast

✔️ The difference between a fast for spiritual reasons vs. physical reasons

✔️ Why fasting is so good for you

✔️ What not to do if you're thinking about fasting

✔️ How leaning on God during a fast makes it doable and "easy"

✔️ How denying your desires and impulses is life-changing

Looking for a coach?

Learn more at https://myidealbalance.com

Ideal Balance is The Life Coaching Facility in Navarre, Florida that focuses on Fitness, Family & Finance. We help our clients create the discipline & habits they need to strip off what’s holding them back from living the life God created them to live. We work with clients in 1-on-1 sessions in person, virtually and in small groups. We offer life coaching, financial coaching and health coaching. We also offer personal training and home organization locally here in Navarre, Florida.

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Tis the season to wonder if you should feel bad about the Christmas cookies or gifted bottles of wine you’ve been partaking in. Our answer is no! And, at the same time, we believe you can be healthy and stay on track this season. In this episode we cover:

✔️ Why you should plan to eat for fun as part of your meal plan

✔️ How to avoid decision anxiety about when to eat “off-plan”

✔️ Why feeling bad about eating off plan is making everything worse

✔️ How to instantly reset if you make “bad’ food choices

✔️ The mental game you need to win at healthy eating

Looking for a coach? Learn more at https://myidealbalance.com

Ideal Balance is The Life Coaching Facility in Navarre, Florida that focuses on Fitness, Family & Finance. We help our clients create the discipline & habits they need to strip off what’s holding them back from living the life God created them to live. We work with clients in 1-on-1 sessions in person, virtually and in small groups. We offer life coaching, financial coaching and health coaching. We also offer personal training and home organization locally here in Navarre, Florida.

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Tis the season to wonder if you should feel bad about the Christmas cookies or gifted bottles of wine you’ve been partaking in. Our answer is no! And, at the same time, we believe you can be healthy and stay on track this season.

In this episode we cover:

✔️ Why healthy eating is not black and white

✔️ How trying to be black and white makes life no fun

✔️ What emotional eating is and how to avoid it

✔️ What mindless eating is and how to avoid it

✔️ What it means to eat for fun and why it’s okay

✔️ Why cheat meals are a bad word but not a bad concept

✔️ Why feeling bad about eating off plan is making everything worse Looking for a coach?

Learn more at https://myidealbalance.com

Ideal Balance is The Life Coaching Facility in Navarre, Florida that focuses on Fitness, Family & Finance. We help our clients create the discipline & habits they need to strip off what’s holding them back from living the life God created them to live. We work with clients in 1-on-1 sessions in person, virtually and in small groups. We offer life coaching, financial coaching and health coaching. This episode is also available as a blog post: http://myidealbalance.com/2021/12/07/how-to-eat-off-plan-without-giving-up-feeling-guilty-or-stressing-about-it/

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It’s the beginning of the month which means we’re telling you exactly how we did on the goals we set for last month. We are walking you through the goals we set, how we did or did not achieve them without feeling guilty or overwhelmed.

In this episode we cover:

✔️ How to set goals that are realistic

✔️ Why your goals don’t always have to be BIG and achievement-based

✔️ How to align your goals with who you want to be

✔️ How to use habit stacking to achieve goals

✔️ How to break down goals so they become achievable

Looking for a coach? Learn more at https://myidealbalance.com

Ideal Balance is The Life Coaching Facility in Navarre, Florida that focuses on Fitness, Family & Finance. We help our clients create the discipline & habits they need to strip off what’s holding them back from living the life God created them to live. We work with clients in 1-on-1 sessions in person, virtually and in small groups. We offer life coaching, financial coaching and health coaching. We also offer personal training and home organization locally here in Navarre, Florida.

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Just because you’re ready to make a change doesn’t mean your spouse is. In this episode, we talk about the big three reasons your spouse isn’t onboard with financial coaching but these three points can apply to many of the issues you might be facing in your marriage. The main reasons we see spouses shy away from signing up for financial coaching even when one is ready to go are:

Money
Privacy
Shame

In this episode we cover:

✔️ How financial coaching is probably the best investment you’ll make with your money both in terms of your financial future and your marriage

✔️ How confidentiality isn’t necessarily the issue but rather how couples may be hiding financial things from each other

✔️ How you shouldn’t feel bad for NOT KNOWING WHAT YOU DON’T KNOW (no one likely taught you personal finance)

✔️ How hiding from financial problems is the real source of self-shaming

✔️ How budgets can help your marriage Looking for a financial coach?

Learn more at https://myidealbalance.com/finance

Ideal Balance is The Life Coaching Facility in Navarre, Florida that focuses on Fitness, Family & Finance. We help our clients create the discipline & habits they need to strip off what’s holding them back from living the life God created them to live. We work with clients in 1-on-1 sessions in person, virtually and in small groups. We offer life coaching, financial coaching, health coaching. We also offer personal training and home organization locally here in Navarre, Florida.

This episode is also available as a blog post: http://myidealbalance.com/2021/11/05/why-your-spouse-isnt-on-board/

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Every season you rack your brain for what to give as a gift for your loved ones. You always want to make it special, but it seems to get harder each year, doesn’t it? Add to that the clutter crisis most of us experience and the current “everything-is-lost-on-a-ship” somewhere crisis and you have your work cut out for you. We want to offer some different options for you to consider this season to give as gifts.

This episode covers:

✔️ Strategies on how to brainstorm clutter-free gifts including needs vs. wants, quality over quantity, experiences over possessions and consumables over non-consumables

✔️ Creative budget-friendly gift-ideas

✔️ Memberships & subscription gift ideas

✔️ Experience gift ideas ✔️ Services gift ideas

✔️ Consumable gift ideas

+this episode comes in a pdf! It’s a gift guide: 100 Clutter-Free Gift Ideas https://myidealbalance.com/2021/11/13/100-clutter-free-gift-ideas/ + we have an awesome freebie for you! It’s a Christmas Planner Workbook to help you cast vision about what you & your family want, how to plan & prioritize it and then how to fund it!

https://myidealbalance.com/2021/11/13/cash-for-christmas-how-to-avoid-debt-and-be-able-to-joyfully-give/

Looking for a financial coach? Learn more at https://myidealbalance.com/finance

Ideal Balance is The Life Coaching Facility in Navarre, Florida that focuses on Fitness, Family & Finance. We help our clients create the discipline & habits they need to strip off what’s holding them back from living the life God created them to live. We work with clients in 1-on-1 sessions in person, virtually and in small groups. We offer life coaching, financial coaching, health coaching. We also offer personal training and home organization locally here in Navarre, Florida.

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Imagine this: This holiday season you spend your time enjoying your family, making memories and finally feeling like you got it right. Our friends, we are here to tell you exactly how to enjoy your holiday giving this year! We are sharing the four steps you need to get it right this season!

This episode covers:

✔️ How to define the perfect Christmas (not what you think)

✔️ How to create a budget for your time and your money

✔️ How to plan to FULLY FUND your Christmas budget for next year

✔️ Tips & strategies to have a stress-free, debt-free Christmas

we have an awesome freebie for you! It’s a Christmas Planner Workbook to help you cast vision about what you & your family want, how to plan & prioritize it and then how to fund it!

https://myidealbalance.com/2021/11/13/cash-for-christmas-how-to-avoid-debt-and-be-able-to-joyfully-give/

we have another freebie for you! It’s a gift guide: 100 Clutter-Free Gift Ideas https://myidealbalance.com/2021/11/13/100-clutter-free-gift-ideas/

Looking for a financial coach? Learn more at https://myidealbalance.com/finance

Ideal Balance is The Life Coaching Facility in Navarre, Florida that focuses on Fitness, Family & Finance. We help our clients create the discipline & habits they need to strip off what’s holding them back from living the life God created them to live. We work with clients in 1-on-1 sessions in person, virtually and in small groups. We offer life coaching, financial coaching, health coaching. We also offer personal training and home organization locally here in Navarre, Florida. Fill out the information below if you’re interested in our help and we will contact you.

This episode is also available as a blog post: http://myidealbalance.com/2021/11/13/cash-for-christmas-how-to-avoid-debt-and-be-able-to-joyfully-give/

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This time of year can bring a lot of joy. It can be a time where peopel feel more sad (why has the sun forsaken us?), overwhelmed by all the things to do and even underwhelmed by what they've accomplished. We've got the 3 step exercise to help you figure out what's really bothering you and then refresh your mindset. You need to know what you can and can't control. You need to chunk down what you want to accomplish and how you want to feel to an exciting list of goals. Finally, you need to speak it into life. We'll walk you through and also tell you all about our goals for our health, our marriages, our home, our business and our kids. This episode is also available as a blog post: http://myidealbalance.com/2021/11/08/fall-rut-reset-3-steps-exercise-to-feel-better-rekindle-your-motivation/

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Have you ever tried to get your home "company ready?" We know we've been there! Today we want to talk about strategies that will help you keep your home tidy & organized so that you can enjoy it too. We will walk you through strategies that will help you keep it organized longer and make the "getting ready" process shorter.

This episode covers:

✔️ Some fun & easy ways to get your family on board with keeping your home organized & tidy

✔️ Why & how to organize by category and store with like items

✔️ A bonus tip for why keeping your home organized might be alluding you

And We have an awesome freebie for you! It’s a quiz about you, your home and how organized it is. This quiz will help you brainstorm about what problems and areas you really need to work on. The second freebie is a planning worksheet that will help you brainstorm just what next steps to take.

→ Access here https://myidealbalance.com/2021/07/27/4-strategies-to-categorizing-organizing-your-home/

Looking for a Home Organization Coach?

Learn more at https://myidealbalance.com/homeorg

This episode is also available as a blog post: http://myidealbalance.com/2021/07/27/4-strategies-to-categorizing-organizing-your-home/

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Over here at Ideal Balance, we are big fans of Dave Ramsey. As Ramsey Solutions Master Financial Coaches, we follow his Baby Steps and coach our clients to do the same. On the other side of the house, our fitness coaching clients get the same simple, step-by-step approach to losing weight.

Just as with your finances, we want to make lifestyle changes that will last. We're not in it for the quick-but-short-lived-win. So, what are the 7 Baby Steps to Weight Loss That Lasts Forever? They're doable, figureoutable, bite-sized steps that we're going to be REALLY REAL about. We are all about tough love with lots of jokes and encouragement, so let's dive in!

In this episode, we'll talk about:

✔️ Why you need to find your soulmate workout

✔️ How drinking more water keeps you in the potty and out of the bag of cookies ;)

✔️ Why planning your overall food protocol and even your daily plan is VITAL to your success

✔️ How planning your food doesn't have to be miserable & why you should stop eating food you hate

✔️ Why you should close the kitchen to save calories & dirty dishes

✔️ And much more!

+ we have an awesome freebie for you! It’s a action planning worksheet for all 7 steps!

→ Access here https://myidealbalance.com/2021/03/31/7steps/

Looking for a health coach? Learn more at https://myidealbalance.com/fitness

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We are teaching you everything you need to know about your Emergency Fund! This is a great review for anyone who is already working on getting debt free but also great information for anyone looking to get started on their financial journal and stop stressing so much about money!

e advise clients when they are first beginning on their journey to start with $1,000 in the Emergency Fund. It’s not your savings for your vacation, it’s not your investments, it’s set aside specifically to plan for the things you can’t plan for: emergencies!

This episode covers:

✔️ What an Emergency Fund is ✔️ Why you need one ✔️ How to use it

we have an awesome freebie for you! It’s a coloring sheet for you to use as you build your Emergency Fund. → Access here https://myidealbalance.com/2021/05/12/everything-you-need-to-know-about-an-emergency-fund

Looking for a financial coach? Learn more at https://myidealbalance.com/finance

To see the incredible podcast booth: https://photos.app.goo.gl/4Dgc1A27tjXzuWJv8

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Meal prepping is the new fast food is something we say all the time around Ideal Balance. Fast food is no longer fast, it’s not really food and it’s not cheap. One of the quickest ways for our clients to be successful is to get them to stop eating out and start meal prepping. In this episode you'll hear:

How meal prepping saves time & money How meal prepping can be fun & be great couple/family time How to not make meal prepping complicated How to meal plan & prep Best practices for meal prepping

Plus, you can grab our EASY PEASY lunch meal prep plan for free! It’s got a shopping list and step by step guide to get it done. It’s not fancy, it’s not complicated. It’s REALLY simple and easy and fast and amazing. It’s great for those just starting out. Download it now here: https://myidealbalance.com/2021/05/02/meal-prepping-is-the-new-fast-food/ If you want to know more about us or working with us, send us a quick email @ info@myidealbalance.com

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So, this topic might seem obvious, but stick with us! So many people are trying to balance fun & life with their health & weight loss goals. So, eating out is a pretty common thing these days. We get it. But, we want to offer that it’s really tripping up your progress. More than you understand. And, losing weight is hard enough. We 100% do not want to make it harder or slower!

So, let's talk and be honest about why it's messing you up. It's more than just the calories y'all! It's the habits, the thoughts, the triggers, the downward spirals and more that come along with eating out. Let's also talk about the hidden reasons you're eating out and see if we can solve for those. Finally, we will talk about some tips and strategies to help you stop eating out and keep making progress on losing weight and in health. Plus, we've got a fun brainstorming freebie for you!

Click here for your freebie: http://myidealbalance.com/2021/04/25/eating-out-is-ruining-your-weight-loss-progress/

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Today we want to offer that the one thing that might be missing from your life might be the one thing that could make the biggest difference and be the biggest game changer in your life.

What’s that thing?

Bet you guessed it —> a morning ritual. Well done!

You’ve heard that you need to take self-care time. You know you’re supposed to have quiet time. Oh yeah, don’t forget you’re supposed to exercise. Don’t forget to pray! You should also be reading something great everyday.

The list of all the things you’re supposed to be doing to be an amazing person can seem daunting. Where in the world are you going to find the time?

Your morning ritual acts as a container to get in most of the things you consider important for you to be the best version of yourself. It acts as a container for you to get in your self-care.

Grab your freebie worksheet here: http://myidealbalance.com/2021/04/10/morning-ritual/

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Cash is one of the top tools that you can use to get your finances in order and win with money. It's also one of the best tools you can use to get out of debt, stop fighting with your spouse and stop feeling broke all the time. Listen for the 7 reasons you should be using cash! We're also giving you 3 simple steps to use so you can give using cash a try! Also, sign up for our fun 2 week cash challenge! http://myidealbalance.com/2021/04/20/why-how-you-should-be-using-cash/

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Decluttering is the buzzword of the decade, isn’t it? We all know we want less clutter in our lives but the simple idea of decluttering isn’t quite right. But why? We're walking you through the two reasons decluttering doesn't work and the five-step process what actually works to get rid of clutter for good. Get the freebie workbook here: https://myidealbalance.com/2021/04/20/decluttering-doesnt-work/

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All we really want to do is coach and chat about fitness, family, finance and all the things that matter most to you and to us. But! Here is a quick chance to get to know us a little bit with this episode. Learn more about us @ myidealbalance.com

THE IDEAL BALANCE SHOW: Real talk, tips & coaching on everything fitness, family & finance.: Recent Episodes

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