Okay, busy moms.

Have you ever wondered how to save consistently while you are trying to get everything going in your regular life, but the kids sports work? All of it. I mean, are you just speaking to yourself?

Because it’s so true. We are we’re fighting for every minute over here. Y’all. And raise your hand, even if you’re not a mom, raise your hand. If you don’t feel like you’re busy. That’s right. We heard no hands go up. And the in collective Internet’s no hands went up and people be like, oh, I’m kind of bored. Yeah, I have more time than I do anything else. I’m like, what, what should I be doing?

No, we’re all feeling busy and this is why we love our system that we’re going to tell you about today. That is the secret. To saving, even if you’re busy, like we were just talking about another podcast where there’s money, everywhere and money is piling up without you doing literally anything with your hands, it’s just happening.

Yes. And all of our clients that are listening to this, they’re going to go. Yup. That is us because we cause. We have set up a system for them that allows money to be piled up everywhere and their bank and they’re loving it. And so we are hoping that this podcast is going to help you get there to yep. We are going to give you the secrets. To consistent savings even when life is busy.

Yep. Okay. Vanessa, one of my favorite things. To do in the beginning of a call or a session that we have is to update the asset tracker. Oh yeah. And like have this, all of these little savings buckets that people have and all the different accounts and they just go up, up, up. Sometimes they go down, but they go up, up, up. And, you know, every once in a while I’ll be like, hello, please pause.

Like, look at what you. I said, look at how much money you have set aside for all of these things. How does that make you feel? Yeah, I think it’s really important to have them pause and allow them to visually see on a screen on paper or whatever, however you do it. The amount of assets that you have built up.

And usually the assets that we’re talking about are, is. This is the money in the bank account. So it’s like cash, right? Over time just by being diligent and by setting up the system that we’re going to teach you. Yeah. Okay. Which if you’ve listened ever, this is not brand new information, but if you haven’t, this is brand new information and we’re really excited to share it because honestly, Vanessa. I don’t want to tell the people this. But they can do this without even setting up a budget.

Like. Yeah. Like you can automatically save money without even knowing what’s really going on. I know, and here’s the kicker here is, and the reason why we want you to do a budget first is because a lot of times when you, when you set up, automatic transfers to go into savings, so you can automatically be saving money. You’ll sometimes be pulling that money throughout the month because you don’t have a budget.

So these bank accounts never actually get to go up. They never get to the amount of money and they’re never gets to increase. Right. But the system that Shana is talking about is to set up automatic transfers into savings buckets every month. If you could do that, then like it’s completely hands-off and that money is building without doing anything.

Yeah. So exciting. Okay. Yeah. So technically you don’t have to budget but life. And as I said, if you don’t, you probably will end up robbing it. We’ve seen that again and again. But the first thing you want to do is set up your budget and we’re not going to go through that, but essentially the reason that you need to do that is your budget tells you your income, minus your debt, minus your bills, minus the things that you have to spend money and want to spend money on, which is includes gas and groceries and personal money or cuts. And then you have this magical number leftover usually, and you really do. When you said that, I thought.

Here’s a number and it’s like shiny. Yeah, we lights and stuff. Yeah, exactly. You have this number and you get to decide what you’re going to do with it. Sometimes you might want to, put it all on that. Sometimes it’s time to start setting up some savings buckets. And so that’s what we’re talking about.

That that’s why you need the budget to do. To be able to pull that number and figure out what you w how you want to assign it. So after you have your budget and you know how much money extra, you have to be able to put into savings. The next thing you want to do is really brainstorm your savings buckets and go, okay, what, how many savings buckets do I want?

And what do I want to name them? Right. So that’s really important to be able to categorize your money specifically. Yeah, so we, there’s all kinds of savings buckets, and you need to think about what you want to save money for w and if you’re married, what you guys collectively want to save money for. We had a client come on. Or actually just to listener, not just. Anyway, I listened to come on and she said she had a $10,000 savings goal and she like. The other goal could have been there, but that was what they wanted.

They didn’t care. She didn’t say pets. She didn’t say vacations is a $10,000 savings. And so that might be, or you might be like, look, I really want to make sure Christmas is not on credit card. This, this time, like, whatever it is, you not only need to name them. And then you want to figure out how much, right.

So the basic way, there’s, there’s some nuance to this, depending on what time of year it is. But the basic way to figure out is set in a number. What do I spend on this category? And a year. Yeah. In a year and then divide that by 12 that’s the basic numbers. You can go back and listen to our specific, podcasts on that if you need more.

But then that’s a number that you know, that you’re going to transfer. Automatically, but first what you have to do is open an account. That is assigned to the savings buckets that you’ve decided and rename it. Yeah. So, you know, We, there are some banks out there that have savings buckets. We understand that they don’t work the way that we want them to work.

Okay. So we recommend you actually opening up separate savings accounts because that way you can, transfer auto transfer money specifically into that account. And it’s not a bucket bucket, sir. It’s still a convoluted. So anyways, open up a separate bank account for each savings bucket that you want.

Okay. So that could be travel. That could be Christmas. That could be, you know, your emergency fund. If you don’t have one already, Medical annual bills. Kids love them. You know, so things like that. And so once you have those accounts open and you have them named now we not a fund begins. We can actually start setting up how much money do we want to go into that account every month?

And like Shana said, the first thing you want to do is go okay. Kids category. Let’s just call that one. How much do my kids cost me in a year now? Hold on. I know that’s a convoluted question. That doesn’t mean like monthly for food and all the haircuts and things that happen every single month. We’re talking about, like, if they’re in sports, if they’re at other activities, if there are things that happen one off here and there, those are the things that you want to put in this category.

Okay. Not things that happen on a monthly basis that goes in your monthly budget. Okay. While you’re saying that, I thought when we talked about the number leftover in your budget, where you liked it on the glowing music and all. I was like the kids that. The dry, whatever the opposite sound and feeling. Is, is what the kids, the kids savings bucket is, but it’s so important to do it because you really need to see at a bird’s eye view, like what we are spending.

And it’s again, that next question is this what we want to be spending? Yeah. Until you see it all at once, you’re going to be able to see that. So, but setting up the automatic transfer based on your payday, that’s the game changer. And that’s how you do it. Even when life is busy, your bank account is working behind the scenes. As your personal assistant, it is saving the money for you.

You don’t have to do anything with your hands, which is really important because what happens when we use our hands, we mess it up. Okay. We do, you’re going to set up the automatic transfer on your payday, right? And so it goes with, this system, the Patriot plan. So, you know, you have that number that you’ve decided monthly, you’re going to divide it theoretically by the amount of paychecks that you get.

And then that’s the amount that’s going automatically in savings. And then guess what, Vanessa. You log on and you look at your little bank. And you’re like, wow, look. That was funny. I thought somebody that’s just getting and I didn’t. I am so. To do anything at life. I didn’t have to do. Anything, it just did it automatic.

Yeah. I mean, can you imagine when your son’s travel baseball bill comes to? Okay. Are you, are you thinking about this? Well, It’s really pulling all the feelings here. So, but imagine when that your, your kids travel sports right. When it comes due and you already have a thousand dollars in your kid’s account, because you knew that was coming 10 months before, and you’ve been slowly putting money in there now. What if the bill is 2000 and you only have a thousand in there then?

Great. That’s better because you know, now you only have to have, you only have to figure out how to find a thousand dollars versus you would have had to figure out how to find $2,000. Out of this month’s budget. Right? So the point here is not to be completely perfect. Yeah. And like every single penny accounted for all the time, the idea is to start the savings buckets and have something accounted for.

So that way, when those bills come due, even if you can’t fund them all immediately, you have, you have something there. Yeah. And so another hack. Here is just do this. So do the brainstorming, talk to your spouse if you have one, like get excited. Yeah. And even if your budget doesn’t complete, you. Like I said, we said earlier, even if you don’t have time to like fully flush out a budget, just open the account and do a 10 or a $20. Set that up because it’s so cool. The identity shift that comes when, you know, you’re saving for the things that you want to be saving for.

And so you might have to start small, especially until you get like a rhythm and you figure out, okay, now that I, now that we’re on this budget, now that we’re really, really doing it. Now I know exactly how much I can, I can put toward it, but just start small. And then as you get better at budgeting, as you maybe pay off some debt, as you get a raise, as whatever else comes in your life, you can go bigger. Yeah.

Imagine having the $20 medical copay. For your kids. Every time they have a dentist appointment or a physical or a doctor’s appointment, imagine it’s already having that in a medical savings bucket. And all you have to do is transfer the money and use it. Like that would be such a game changer, but for some people, even $20 outside of their normal budget is a lot because they have so many other things happening, right.

They’re trying to pay off debt. They’re trying to, I don’t know, maybe they have a trip planned or whatever. So even though it was small amounts of money, trying to find that in a budget can be difficult. But imagine if you were putting five, 10, $20 away every single month and you always have that money there and those savings buckets whenever you need it.

Yeah. So this is just really the secret to consistent savings, right? You’re just, you’ve decided what you want to be saving for. Instead of, you know, a lot of times it’s like this idea I should be saving money. Well then. Like, that’s not information. That’s helpful. Let’s go ahead and decide exactly what we think is important to save money for set up the accounts, set up an automatic transfer, and then even while life is being busy. Or what wildlife is busy. You’re saving money automatically it’s happening.

And remember that this is all based on your goals and what’s important to you. You know, we have some clients who have a very small travel budget. That’s not important to them. You know, we have some clients that have a very large travel budget because that’s important or a travel savings bucket transfer amount, because that’s important to them.

Right. And so don’t worry about what everyone else is doing or what you could or should, or you think should be happening. Go based on what you want and what’s important for you and your family. So I love that you said that because w I. Everybody’s different. So it’s so funny. How okay. I’m just going to put it out here.

I had somebody come on and say, she was nervous to tell me the amount she wanted to put for her. Chris’s budget and it was $2,000 for the whole Christmas budget. I accidentally laughed out loud. I was like, that’s. That’s amazing. That’s really good, especially given how big her family has with. We’re putting that in there.

Do not be ashamed of that. That’s so good. But she, on her mind, she thought that was a lot of money. Like, and I’m just being realistic based on how many Christmas budgets I’ve seen. Like you’re going to spend that anyway. Even if you shame yourself into thinking it’s a lot. So just like Vanessa said, don’t think about what anybody else is doing.

Look at what you do, what you think is important, what you and your spouse want to achieve together. Use that to. Set this whole system in place. And then, yeah. Be an amazing person. That’s like watching your money, grow all the time. Yeah. And then, okay. I have to call in. Yeah. And schedule a live coaching call with us and let us know how it’s going after you’ve set up these consistent savings, accounts that with the automatic transfers, let us know, like in six months, all the money that you have reign in, in your bank account. Yeah, I love that.

So actually you can go to budget, besties.com forward slash free call. You can sign up for the live coaching call, but here’s the other thing, maybe, you know, somebody who you think like maybe you’ve talked about some, some of the stuff with, or. Where you have a friend that uses sort of talk money with sometimes maybe you share this episode with them.

That would be really helpful for us. If you would, share this episode with a friend or somebody that you might find it useful. And we would love for it to just bless them. Maybe this is something that they’ve been trying to do and trying to accomplish. They don’t know how. So we would love if you helped them out.

Yeah. All right, we’ll talk to you next.