{"podcast":{"title":"Financial Coaching for Women: How To Budget, Manage Money, Pay Off Debt, Save Money, Paycheck Plans","slug":"financial-coaching-for-women-how-to-budget-manage-money-pay-off-debt-save-money-paycheck-plans-3708021","podcast_index_feed_id":3708021,"rss_url":"https://feeds.captivate.fm/financial-coaching-for/","website_url":"https://budgetbesties.com/","image_url":"https://artwork.captivate.fm/87de1513-ff29-4802-baa1-51e6c7add545/Spotify-Podcast-Cover.jpg","author":"Vanessa and Shana | Budget Besties | Bougie On A Budget | Dave Ramsey Fans","episode_count":626,"summary":"***TOP 1% MONEY & FINANCIAL SUPPORT PODCAST*** Do you make good money but have nothing to show for it? Tired of using your bank account & credit card balances as your budget? Want to get debt-free but don’t want to sacrifice everything to do it? Ready to save money and build generational wealth? You’re in the right place! We’re telling you exactly how to budget, pay off debt, save money & stop living paycheck to paycheck. We’re Shana & Vanessa: BFFs, business partners & Dave Ramsey Solutions Master Financial Coaches (and unofficial marriage counselors). We’re glad you’re here.","last_synced_at":"2026-09-25T22:18:56.893681+00:00","page_url":"https://stenobird.com/podcast/financial-coaching-for-women-how-to-budget-manage-money-pay-off-debt-save-money-paycheck-plans-3708021"},"episode":{"title":"Pay Off Debt or Save Money? How to Budget for Both Without Giving Up Vacations | 619","slug":"pay-off-debt-or-save-money-how-to-budget-for-both-without-giving-up-vacations-619","published_at":"2026-09-16T09:15:00+00:00","page_url":"https://stenobird.com/podcast/financial-coaching-for-women-how-to-budget-manage-money-pay-off-debt-save-money-paycheck-plans-3708021/pay-off-debt-or-save-money-how-to-budget-for-both-without-giving-up-vacations-619","show_page_url":"https://stenobird.com/podcast/financial-coaching-for-women-how-to-budget-manage-money-pay-off-debt-save-money-paycheck-plans-3708021","url":"https://budgetbesties.com/","audio_url":"https://episodes.captivate.fm/episode/be65666c-c0b2-4d7e-8dbe-e587d2b7bb53.mp3","summary":"Curious? Take The Free Money Stress Quiz! Ready? Buy Our Simplified Budget System Now! Budget besties, what do you do when more money finally starts coming in…but you also have debt, vacations, savings goals, and about 47 other things competing for those dollars? In this episode, we’re sharing real coaching situations that show why there usually isn’t one “perfect” answer. One client had been dealing with significantly smaller paychecks for months while her husband went through recurring pilot training. Their lifestyle wasn’t outrageous—but their income had dropped by thousands of dollars some months, and credit cards became the way they filled the gap. Then the regular paychecks came back. And a lump sum of money was coming in. Cue the question we hear all the time: What do we do with it? They wanted to refill savings buckets, but they were also carrying around $50,000 in credit card debt with interest rates hovering around 28–30%. Sometimes the exciting answer is funding all the things we want to do. Sometimes the answer is a little more boring: create breathing room by knocking out expensive debt. But we’re not stopping there. Because if you already know a lower-income season is going to happen again in five years? We can start preparing for it now. Figure out how much income was missing during that six-month period, divide that amount over the years ahead, and start building a savings bucket for Future You. Then we’re flipping the situation and talking vacations. One of our coaching clients is working aggressively toward paying off debt—but she already had trips booked before coaching started. And budget besties, buying the plane ticket does not mean the vacation is paid for. We still need to think about: Food Transportation Activities Entertainment Souvenirs and s…","meta_description":"Curious? Take The Free Money Stress Quiz! Ready? Buy Our Simplified Budget System Now! Budget besties, what do you do when more money finally starts comin…","key_points":[],"chapters":[],"topics":[],"duration_seconds":1036,"processing_state":"not_requested","actions":[{"name":"request_transcript","method":"POST","url":"https://stenobird.com/v1/public/podcasts/financial-coaching-for-women-how-to-budget-manage-money-pay-off-debt-save-money-paycheck-plans-3708021/episodes/pay-off-debt-or-save-money-how-to-budget-for-both-without-giving-up-vacations-619/transcription-requests","description":"Idempotently request low-priority transcript generation for this episode."},{"name":"read_markdown","method":"GET","url":"https://stenobird.com/podcast/financial-coaching-for-women-how-to-budget-manage-money-pay-off-debt-save-money-paycheck-plans-3708021/pay-off-debt-or-save-money-how-to-budget-for-both-without-giving-up-vacations-619.md","description":"Read the agent-friendly Markdown representation of this episode resource."}]}}