You make good money and have nothing to show for it.
You don’t understand why your income has increased, but your financial situation hasn’t improved. Money comes in, but it leaves just as quickly. You feel like you should have more savings, less debt, and a clearer understanding of where all your money is going.
Does this sound familiar?
Instead of enjoying life and being fully present, you’re probably:
- Feeling overwhelmed trying to juggle everything daily, and I just don’t have time for something as time-sucking as budgeting.
- Feeling the tension in your marriage when it comes to finances
- Relying on credit cards more often than you’d want
- Not communicating with your partner very well about money
- Wishing you were further along financially than you are
- Assuming you should already know how to budget and save money
- Feeling ashamed you don’t already have your finances together
- Feeling paralyzed because there are so many budget tips and strategies on the internet
- Nervous about trying yet another budget spreadsheet or system
- Spending more money than you want
After thousands of hours of coaching clients, we know exactly what you’re going through.
We spent too long trying to make other people’s budgets and methods work. It slowed us down. It made it more complicated and confusing for our clients. And in the last several years our clients have had this in common: they’ve wasted countless dollars and minutes on yet another app, budget or spreadsheet.
ThAT’S WHY WE built our own systems, developed our own tools, and THEN DESIGNED our own unique budget template.
Since our 2023 launch, our Simplified Budget System has helped over 200 clients achieve financial freedom! On average, in just 6 months, they pay off $28,522 in debt, pay off and close 4 debt accounts, stash $9200 in savings bucket accounts and stick to a $1,500 monthly personal spending budget.
What makes us different?
Our Systems & Automation.
We’ve figured out that when it comes to your budget, there is a three part process you have to follow in order to end the paycheck to paycheck cycle while still enjoying your life. If you don’t do it this way, you’ll get frustrated, lose motivation and give up.
We know exactly how to help you go from making good money but having nothing to show for it to having a simple, clear budget system.
1. Budget
Create a budget around the lifestyle you want to live and the unique goals and priorities you have. This is an important difference. Many people fail because they’re trying to budget the way somebody else told them to. No budget should be cookie cutter. And, by the way, you can enjoy life while on a budget.
2. Systems
Separating your spending from your bills is the first step and the number one game changer. Then, you’ll create digital envelopes, rename accounts and set up a paycheck plan. These systems will help you get organized so that you don’t have to make in-the-moment decisions and you know exactly where your money is going.
3. Automate
After you’ve got everything in place, your next step is to set your bank up to be your personal assistant. It will pay your bills automatically, save money automatically and guide your spending, all without you having to lift a finger. Automation is the key for you to save time and prevent any of the typical mistakes that derail your budget.
And our most valuable tool to help you is our Simplified Budget System. here’s what it includes:
- Goals: Keep your eye on your dreams.
- Asset Tracker: Track all your assets in one place.
- Debt Tracker: Stay on top of your debts. Watch your balances shrink.
- Debt Avalanche: See exactly how and when you’ll pay off your debts by focusing on higher interest rates first.
- Debt-Free Budget: Auto-filled with your numbers to see what life looks like when you’re debt free.
- Savings Buckets: No more surprises! Plan for live’s big events including Christmas, Vacations, Vehicle Maintenance, Medical & more.
- Monthly Budgets: Watch the math happen automatically as you plan your monthly budget.
- Paycheck Plan: Know exactly what to do when your paycheck drops.
- Retirement Budget: Create the lifestyle you want for retirement.
- Retirement Calculator: Estimate what you’ll need to retire well.
- Financial Snapshot: Auto-populated financial overview to your see net worth, spending, debt and bills in one glance.
- Budget Comparison: Compare budgets month to month.
- Your Results: See your progress as you go so you can celebrate wins including total debt paid off, savings growth, and net worth increase in one place.
If you follow this process you’ll be…
- Knowing exactly where your money is going.
- Feeling the financial harmony in your marriage.
- Relishing the satisfaction of paying for family vacations in cash, staying debt-free.
- Spending intentionally and feeling good about it.
- Enjoying financial independence, with no need for credit cards.
- Finally in control, balancing your daily life without the constant money stress.
- Feeling proud because you’ve got your finances together.
- Having open, honest and hopeful money conversations with your partner.
- Confident in your ability to budget and save money like a pro.
- Decisive and focused, knowing your budget works for you & your lifestyle.
What People Are Saying About Our Budget System:
Elizabeth Garcia
The Necessary Tool To Get Out Of Debt
So far it’s been the best template for me. I’ve paid a few thousand on a different program and it led me to more debt because it was overwhelming and not user friendly. However, this template and the instructions are to the point and so easy to follow. I can already see how this will help me take the necessary steps to get out of debt. The ability to see a plan to get out of debt with the templates and the debt payoff form is so powerful and motivating.
Natalie Kellen
Everything I wanted!
I have tried to make my own budget spreadsheet and it never worked out. This one has everything I wanted for tracking spending, debt, and a plan with it! The check boxes are very satisfying 😂
I love how easy it is to use and it’s pretty! Right now I am focused on debt reduction and the debt summary page really helps me track where I am at. I like that it can be used beyond debt management and gives a plan for monthly expenses. The workbook gave me motivation to look at everything realistically and self accountability to track everything monthly. Most importantly having everything laid out in an easy to read format gave me the confidence to sit down with my husband and have the dreaded budget talk. With all the numbers laid out for us it was easier to talk through those more difficult conversations.
Cristina Guzman
From arguing to calm conversations
My husband and I have seen such great growth in the first month we have been using your signature budget template. We have combined our finances, separated our automatic bills, spending (gas & groceries), and a separate rent account. We went from arguing about finances, not knowing where our money was going, and having to use credit cards for groceries at the end of the month because the money was spent already to having calm conversations about money. My husband told me the other night, “I am so proud of you. I feel like you have taken on our finances as a project. You’re so dedicated and that motivates me to follow along as well.” I was in TEARS! 😭 How did we go from not even being able to talk about money or even face our money situation to this? I’m so happy for what’s to come.
Simplified Budget System
sneak peak
This is the exact budget system we use with our clients to help them create a budget, get out of debt, save money and reach their financial goals.
HERE’S WHAT SIMPLIFIED BUDGET SYSTEM USERS ACCOMPLISH ON AVERAGE:
Own the System For Life
WHAT’S INCLUDED:
On-Demand How-To-Budget Workshop
(Retail Value $599)
20+ Page Google Sheets Workbook
(Retail Value $5,500)
Quick Start Video + Walkthrough Training Guides
(Retail Value $997)
The Rolling Budget Training & Downloadable Workbook
(Retail Value $99)
The Get Out Of Debt (GOOD) Plan Training & Downloadable Workbook
(Retail Value $99)
Stress Free Bills Training & Downloadable Workbook
(Retail Value $99)
Savings Buckets System Training & Downloadable Workbook
(Retail Value $99)
Digital Envelope System Training & Downloadable Workbook
(Retail Value $99)
Paycheck Plan™ System Training & Downloadable Workbook
(Retail Value $99)
Happily Ever After Retirement Training & Downloadable Workbook
(Retail Value $99)
INVESTMENT:
Everything included is independently valued at
$7789 but we’ve made it available for $197!
We have priced our Simplified Budget System so low because we want to make budgeting, financial literacy and winning with money affordable and accessible to everyone.
Think for a moment how much time it would take you to create this system on your own.
You don’t have that kind of time and we know it.
The good news is our Simplified Budget System not only has every spreadsheet you need for a full budget system, it does all the math, it auto-populates and it includes detailed training videos and walkthroughs.
SO WHAT ARE YOUR OPTIONS?
👎🏻 Option 1: Start A “One-Size-Fits-All” Plan
You can choose a beans and rice plan that doesn’t match your lifestyle, your habits or your goals. (BTW, we created the “Bougie on a Budget” catchphrase in response to this very problem.)
👎🏻 Option 2: Still Don’t Know What To do
You can spend countless hours learning a system or downloading and filling in a budget form only to find you still don’t really know what to do with your hands. Like, where does your money go? When do you pay bills? How do you know when to save? What do you do on payday? Do you need to use cash envelopes? Many other programs tell you the what but not the how, which is frustrating, and many people quit before making any real progress.
👎🏻 Option 3: Stay Stuck
You could do nothing and keep struggling. Just close this page and go on pretending that it’s not that bad. At least until your next chat with your spouse about money or the next vacation comes around. Without a clear plan, you’ll likely stay in the paycheck-to-paycheck cycle (even though you make enough money not to), rely credit cards more than you want and generally continue to feel frustrated, stuck and ashamed you’re not in better control of your money.
OR THERE IS A BETTER OPTION…
You can partner with us, your Budget Besties, who have made thousands of budgets for people just like you, leading us to create our…
Simplified Budget System
Meet The Neelys
With our Simplified Budget System, Amanda and Joe turned their finances around. They went from juggling 26 debts to paying off over $80K in credit cards and student loans. They bought their first home and even paid cash for a bachelor’s and masters degree—all while adding a comma to their savings account. If they can do it, so can you!
About
- 2 income family
- 2 dogs
- Separated out of military & moving out of state
Before
- $286,062 total debt
- 26 debts / loans
- $0 in savings
- Using credit cards for groceries
Tactics
- 16 months of using SBS
- Increased income $3700 / mo
After
- Paid off $80,977
- Closed 5 debt accounts
- Saved up $2,250
Meet The Gonzalez’s
With our Simplified Budget System, the Gonzalez family transformed their financial life. They went from managing 12 debts totaling $409,076 to paying off all their debts in just 10 months. They realized they didn’t need or want their large home so they sold it and bought a new one that truly reflected their values. Now, they enjoy cash-flowing $24,000 annually on memorable family trips. If they can do it, so can you!
About
- 1 income family
- 3 young kids
- $1,400 / mo grocery budget
- Kids in private school
Before
- $409,076 total debt
- 12 debts / loans
- $3,747 Mortgage / HoA fees
Tactics
- 10 months of using SBS
- Sold home and right-sized to new home
- Started living within their means
After
- $2,927 Mortgage / HoA
- 100% debt-free
- Closed all 12 debts
- Saving $24K cash for vacations each year
Meet The Weinmans
The Weinman family used our Simplified Budget System to totally makeover their family finances. They moved from managing six revolving credit cards to paying cash for all their expenses. Instead of chasing credit card points, they now save in high-yield accounts for life’s big events, earning twice as much in interest. They’ve even involved their teens in the budgeting process, and everyone is committed to sticking to the budget and waiting for the next month once the planned amount is spent.
About
- 1 income family
- 4 teenagers
- $30K / mo income
- Giving to more than 7 charities / mo
Before
- $131,576 total debt
- 8 debts / loans
- Paying over $6,000 / month on groceries and restaurants
Tactics
- 5 months of using SBS
- Got the food budget under control
- Focused on building wealth instead of building credit card points
After
- Paid off $33,492 in debt so far!
- Paid off 6 debts
- Saving over $10K in savings buckets each month
- $2,400 / mo grocery budget
Still not convinced? Then you must still have questions.
Here are some questions people just like you asked before they bought the Simplified Budget System:
HOW LONG WILL IT TAKE ME TO SET THIS UP?
One hour. To get through the entire system and training videos, give yourself about a week!
MY SPOUSE ISN’T ON THE SAME PAGE. WHAT DO I DO?
You might be the saver and your spouse is the spender. Your finances might still be in separate bank accounts even though you’ve been married for years. You might think they’re good with money and you have a lot to learn. We’ve seen it all.
In most cases, when you have an honest conversation about wanting to get better with budgeting and money, your spouse will be on board.
However, we’ve priced this entire system to be something that might fall inside of your personal spending budget so that you can buy it and be the normal you by day and the secret-amazing-budget-learning-guru by night. If you want. 😉 We want to empower you to learn and start feeling confident and savvy with your money.
IS THIS FOR BEGINNERS? WHAT IF I’VE NEVER BUDGETED BEFORE?
Let’s go! This system is for you if you’ve never budgeted before OR if you’ve been using an Excel spreadsheet you built on your own. Either way, we explain exactly what to do and we’ve made it simple and pretty.
I really want to dive in – but I’m afraid I’ll get overwhelmed and lose focus.
Let’s talk about overwhelm.
Overwhelm is that feeling when you’re at the grocery store checkout and you don’t know what’s in your bank account.
Overwhelm is when your daughter’s coach tells you that’ll be another $500 than you’d planned.
We are here to eliminate the stress and overwhelm you have been feeling when it comes to your finances.
We believe in you. We believe in your ability to take this bull by the horns and finally feel totally in charge and in control with your money.
You CAN do this. We’ve made it as easy and simple as possible.
IS THERE A COMMUNITY GROUP INCLUDED?
Yes! You can pop into our Facebook group where we can answer any questions you have and support you on your journey.
Do I have a limited amount of time to access this system?
You will have access to the budget system, the training programs and every update we make while you are in our coaching program!
I’M WORRIED I WON’T HAVE TIME TO IMPLEMENT WHAT YOU TEACH!
You can watch the tutorials and complete the spreadsheet on demand, whenever you can find time. Then, you can implement as little or as much of what we teach as you want and still make progress!
WHAT SOFTWARE WILL I NEED?
Access our template easily with the FREE Google Sheets web-based software on your computer, or use the Sheets app on any mobile device.
We created this system because we were shopping for a budget for our clients and we couldn’t find one.
We looked everywhere. We looked on Etsy, we even looked to other budget gurus who’ve been doing this for decades. We couldn’t find one. So we created our own.
One that we could be proud of and one that we loved using with our clients.
That’s when it dawned on us to make it available to everyone. Until we created this product, we could only individually coach a small number of people each month. This new product gave us a way to help people who didn’t need coaching or weren’t ready yet. This budget system could serve the DIYer who just needed the how, not the hand-holding.
We also wanted you to have full access for a ONE-TIME-PAYMENT. It was important to us that we weren’t another subscription in your budget. And it had to be affordable. It was important to us that everyone could have access to this budget system and everything it brings.
We are passionate about healing marriages and changing family trees. We have seen it done over and over using this system. To us, that means the more people who can implement it, the more happy, financially free people there are.
Now, let’s be honest. We also wanted to make sure this budget system was pretty, easy to use, did the math for you and, perhaps most importantly, had checkboxes. Yes, the checkboxes are highly important! ✅
Finally, we just wanted you to be able to be proud of yourself. We hear so often:
“I’m so bad with money.”
You don’t have to carry around the shame and burden you feel about money. We want to change that.
We are on a mission to take the overwhelm out of the money conversation.
We know that if you learn this now, you’ll be able to pass it on to the next generation. This is not just an investment in you, it’s an investment in your family’s future.
We want your kids to outpace you financially because you taught them everything you know.
Join us and become a part of the Budget Besties family. Let’s create a brighter financial future together, one step at a time. You’ve got this, and we’ve got you!
Shana & Vanessa are best friends and business partners on a mission to redefine personal finance for women worldwide. They’re keynote speakers, master financial coaches and co-hosts of the top 1% globally ranked podcast, Financial Coaching For Women. As some of the only people who truly love talking about budgets, Shana and Vanessa know how to make personal finance fun, judgment-free, and refreshingly simple. They help people who make good money but have nothing to show for it get on a budget that is tailored to their lifestyle & goals. Bringing over a decade of coaching experience to the table and training by Dave Ramsey, Shana and Vanessa are taking the shame out of money talk and teaching women worldwide how to be bougie on a budget.