Okay. We’re coming because we’ve had a lot of people come in and we are talking about some of the things that you guys answered in your group questions as far as spending, right?

And so we’re going to record a podcast for it, but we’re also going to come live for you guys and talk about it all.

  📍 Do you make good money, but have nothing to show for it. Are you tired of living paycheck to paycheck? Do you have a big dreams for your financial future? Do you want to get debt-free but you don’t want to live on beans and rice or you don’t want to give up those pumpkin spice lattes. Hey, it’s okay.

If you don’t already know how to budget or if you’re using credit cards to get through the month. Hey, it’s okay. If you want to seem like you have your finances all together, or you’re not on the same page with your spouse, when it comes to finances. We know what you’re doing, probably isn’t working, but guess what? You’re in the right place. We’re Shayna and Vanessa we’re best friends, business partners and master financial coaches trained by Dave Ramsey we’ve been in business since 2019, helping hundreds of amazing people. Like you create budgets, get out of debt, stop living paycheck to paycheck, and know exactly what to do with their money. In this podcast we’ll share with you everything we know plus everything we’re working on with our clients so that you have the best chance at reaching your financial goals we want to help you take the guesswork out of your budget improve your marriages and even bring your kids in on the conversation we can help you no matter where you’re at whether you’re the single mom who’s never had $500 in her savings account or the millionaire who’s paid off for real estate mortgages and we’re not going to shy away from the tough love We’ll tell you what you need to hear and encourage you at the same time this is the financial coaching for women podcast

  📍 Okay. We get a lot of the same responses when you guys join our Facebook group. So we just want to hit it hard and answer kind of everything at once. So the first one, we still need an intro for the podcast.

So hold on. Sorry. We’re working it out guys. We’re trying to come in here more because we want to be there and answer your actual questions, but we don’t have a great system down yet. We’re working on it. We’re getting there. Okay. What do I say in the background, Vanessa, just before we start? Oh, I see a big empty spot where my book is supposed to be in my rainbow.

It’s holding up my computer. This is so not important. Okay. All right. So what we’re talking about today is spending, overspending, compulsive spending, all the things. How do I stop spending? Yeah. All the things that you guys ask about spending. So that’s what we’re going to get into. Yeah. So we’re answering questions that have been submitted to us.

And so we, the first one is how do I control my spending and focus on my needs versus wants? Okay. This is great. So if I have to, you know what? It’s so funny. I never had a spin. Let me be real honest. I never had a spending problem because I had no money. It’s really easy that way. And then once I had money, then, maybe then you have a spending problem, right?

But what we want to make sure that we don’t lose sight of is there’s a difference between needs and wants, which you obviously have, yeah, they’ve already decided that. That’s good. Good job. Check. Yeah. But you don’t want to completely eliminate wants. We want to have a, the difference here, the system we want you to set up where you separate your accounts.

That’s great. So that you can have a budget for your wants. And you know that wants are available to you, but they’re available to you completely separate over here because my needs have already been paid and budgeted and planned. Yeah, I think that’s really important for people to understand is, budgeting isn’t just eliminating all the wants that you want.

It’s not fair. You work really hard. You earn good money. You should be able to spend money on things that you want. Absolutely. However, We’re just going to put a little bit, some maybe guardrails around it, right? Because we know that if we just spend on everything that we want, we’re not going to actually have the money there that we need for the stuff that we need.

So we want to, like Shana said, have money completely separate from everything else in our budget that is for your wants. And also your needs when you separate accounts. So separate accounts, what do you have? You have a bills account or only. Bills are getting paid out of there. No spending, no savings.

You have accounts over here for saving for the things that you want or need. And then you have spending for the things that you want or need. Yep. Groceries or going to get your hair done, whatever. They’re all separate. Yeah. So your needs are focused on. They’re already taken care of. And whatever you’re getting for once is left over from your income, extra from what your needs are.

But having them separate is the key thing. Yeah, I think so. I want to break down kind of what Shana was saying at the beginning was when you have a bills account, that’s all for your needs, right? So maybe some for your wants for your subscriptions, right? And then when you have your savings buckets, that is for air filters, and maybe light bulbs that you need, and batteries, and Christmas.

And then also, hey, I want to get new curtains. I want to get some stuff. Those, so those are also wants. So you have both those categories. And then when you go to your spending section of your budget, we have gas, groceries. Those are a need, right? And then we have, and then we have your spending money categories, which is, hey, I go to Starbucks once a week.

I want to go to TJ Maxx. I want to get, my nails done. Those are also wants. So each of those categories in your budget are separated into things that you want and also things that are a must. Yeah. So if you want to control it, get it on paper and then set up the system that we teach. That’s what’s going to help you control it and make sure that your needs are covered before you go spend it on the ones.

Okay. The next one, Vanessa, I’m a compulsive spender. My hours went from full time to part time and I can’t get a handle on spending. And get out of that paycheck to paycheck lifestyle. So we feel, yeah, we do. And also, this is something that’s been coming up a lot. Cause Vanessa and I are working on our like verbiage for our brand and for our business and the paycheck to paycheck lifestyle or feeling paycheck to paycheck, that is what’s happening because most of us, we have enough money that we shouldn’t feel this way.

We shouldn’t be needing to live paycheck to paycheck, but we know that we still, we’re still feeling that way. So there’s like this disconnect and that’s what we’re trying. That’s one thing we’re trying to solve. Yeah We realize that when you’re not working, and if you’re at home, it’s almost like you get bored and you revert to going online or shopping or doing random things that don’t actually aren’t serving you very well.

So we want to we want to control that a little bit. So the first number one thing that we always tell people is to separate your accounts in order to see how much money you can spend, you have to know how much money there is available to spend. And so by separating your accounts and having a bills only account that only pays your bills and your debt payments, and then you have an account for just pocket money, which is, this is the account that you’re supposed to be using online when you’re on going to Amazon, when you’re on.

Whatever, Walmart, Starbucks, all those online accounts that are, that they make it so convenient now to attach to everywhere. You want to use your pocket money for all that. What you need to do is go make a budget based on your part time hours,

so what’s the new budget? Okay, so you create the budget based on this, unfortunate, maybe it is fortunate that maybe you don’t like the job that much and you can be home more or something, but whatever the circumstance that has changed, you’re going to make a budget based on that.

It’s going to tell you how much you can spend and you’re going to put that in an account based on what the budget said and everything else will get taken care of. Now, if you say you’re compulsive, First of all, let’s stop identifying as that. Go ahead. I want to dig deeper. What does that mean? Can we talk about that?

But also you just go ahead and stop being that way. But what do we do? Because, compulsive is a strong word. Yeah, it’s a strong word. So did you mean it strongly? Cause we’re taking it strongly. You need to remove all sources of payment that you can do.

I think compulsive means probably you’re doing it online for the most part, because It’s probably the fastest and easiest way. Most of us to the mall and compulsively spending there, right? Remove all sources of payment. Just go in to each thing that you buy money from and delete the payment methods, okay?

That’s one thing you can do. To add friction to the spending. Yeah, that’s really the goal here is to add a level of friction, add some type of barrier. And so when you can remove your bills account, whatever account, and some people are like I have it memorized. Great. Go cancel that card and get a new one from your bank.

So you don’t know the number and use that one everywhere. But remove it from all sources of Venmo, PayPal, Uber Eats, remove it from Amazon. And And hey, in the next level, it’s if you’re really compulsive, and I think when we were making notes for this, I was like, Hey when people, have serious problems, they go to rehab, right?

I’m just and I’m I say this in a fun way as maybe you’re your rehab version of this is using gift cards. So now what if you don’t attach any type of online payment, no debit card, no nothing to any of this? And you revert to only attaching and using gift cards, which means you have to go to a store, you have to buy the gift card, right?

Then you can come home and then you can attach that to whatever account you want to use online. Yeah. And you can do this as part of your budget too. I used to buy a Walmart gift card for my gas. That’s how I did it for a while. And you could, so you can do that for any part of your budget.

You just put in the budget. Walmart gift card or whatever or Amazon gift card or wherever you’re doing and budget it and then you have that much money and That’s your budget and it makes it very clear and separate for whatever problems you’re having on spending But we can go to the next one to continue to explain this because the next information that we got for in our Facebook group was that her goal is to stop overspending online.

And so it goes hand in hand, right? And what’s interesting is the same solution goes hand in hand. Really? Like the same one? The exact same one? It’s just the same. It’s the same, which is remove all sources of payment. And you guys think that we’re, this is a silly step, or maybe you don’t, but Just do it.

Go to the things, delete all the apps, first of all, like just delete them. Just delete them. Be gone. Be done. Because where are you actually spending most of it’s on your phone. You’re using your phone to do all this. So go rip the band aid, delete the apps. You can do it, right? Then remove all sources of payments, right?

So you want to stop shopping online. Make your thing that you have to shop in person if you need something, right? Just remove that, but really what it comes down to, If you’re a compulsive spender like the person said before, or right now if you’re over No, ma’am. No, ma’am. Sorry. If you’re overspending online, you need to restructure your life.

And I, we’re saying this as people who have bought stuff online, okay? So what we want for you is you to have better things to do with your life. Then to be online shopping or compulsive shopping or overspending online, have something better. Anything, go play a board game is better. You’re going to enjoy your life and be present in your life more.

If you can find something to do, that’s better than spending. Go for a walk, hang out with your kids, go to go pack a lunch and have a picnic with your husband on his lunch break or something to get out of the house. Because a lot of times what we realize, and this kind of reverts back to Shana when we used to tell moms like the stay at home mom.

If you’re a stay at home mom, sometimes that’s like the worst place to be is just home. And so if you’re home more, if you find yourself being bored at home, go outside. Do other things that you have, that you can do better with your hands. It’s like the kitchen. We overeat at home because we’re bored.

Kitchen’s easy. You just walk in there and you just start eating. It’s not easy. I don’t have any food in my kitchen, so what does your husband always say? It’s ingredients. We have a lot of ingredients. Yeah. But but we just want you to have such a fulfilling life that you’re so happy that you don’t need to go online or feel the need to go online and just buy all this stuff.

And, the more income you make, the more money that we tend to spend. It’s just a thing. However, I would, put it in your cart and then walk away from it. Really decide, is this, Do I actually 100 percent really want this? Or was it just an in the moment compulsive thing that I said that I wanted?

Because a lot of times we can look in our house and go, we don’t need half the stuff that’s in there. We want it. We don’t need it. So really just walk away from some of that. Just and here’s an example. I love my mom to death guys, but she wanted to buy me a potato peeler, an avocado peeler, a carrot peeler, and like all this.

She just wanted to buy me like individual things. And I looked at her and I was like, mom, I love you so much, but I have a knife. Like I have one knife that I can do all this stuff with. So that’s just the same. Your mom is awesome. She peels cucumbers. Yeah, I don’t know. Yeah.

We’re just going to eat them. It’s good for you. I’m sure. So she has a pear tree in her backyard that for some reason the skins aren’t good. So that’s the only thing literally that we peel in my house, but everything else stays on. But I’m just saying the same concept of you may not need all the different gadgets, all the fun and fancy bells and whistles.

You may just need a more simpler lifestyle. Yeah. And so when you say more simple lifestyle, what this makes me think is. You also, so when we say have something better to do with your life, like it might be the most likely thing is you’re buying stuff at 8. 30pm on your couch or on your bed. So maybe you can’t leave the house then.

This is what you need to figure out. What can I do at whatever time it is that I am compulsively spending, overspending. What can I replace? I need to get the phone out of my hands. Pray, like you are not alone. All of us. Need to get the phone out of our hands, put the phone somewhere else and have something better to do.

I don’t know what that is. I want you guys, whoever this was, come back and tell us what you’re going to do instead, because that’s, you got to solve for some of the some of the circumstances too. What can I do? When do I usually find myself? Why am I triggered? What am I doing and what can I do instead?

And what can I have as a trigger response instead of spending? Because honestly we think that it’s going to make it, it’s okay. over drinking, over eating, over spending, it’s all the same. We think it’s gonna make us feel better. It doesn’t. It maybe makes you feel better for a split second, but then you have the residual effects that do not make you feel better, which is my budget’s not gonna work, or now I have clutter in my house, or whatever.

So just figure out what you’re gonna do with your life instead. Yeah, maybe you’re a yogi. So maybe you can replace that time with doing yoga. Maybe you can journal. Maybe you can read. Yeah, maybe you can play a fun game with your husband or kids, or whatever. Maybe you can call your mom and have a Nice conversation with your mom on the phone or a friend.

What is that? Because that makes you have to do something with your hand. You do have to do things. And people make some cool things with that. I don’t know if they’re knitting or whatever. It’s crocheting. I don’t know, but I’ve seen it. You can play NERTS with your teenage daughter. That game gives me anxiety, but you have to use both hands and it’s very intense.

Or you can play Tetris. That’s my jam. Like I can’t win any other games, but if you try to play any Tetris type game, I will beat everybody that including you. Yeah. Whoever you’re listening, I’m going to beat you too.

 We’ll get right back to the show, but we wanted to give you a heads up right now that our signature budget template and course is available

guys. It is simple, easy to use and pretty plus it comes with walk through videos and special trainings that teach you exactly how to budget. We’re going to teach you the exact systems we use with our clients to get out of debt, to set up the savings buckets, to create the bills account and to know exactly what’s going on with your paychecks and so much more.

And so if you’re new to budgeting, our system will. We’ll help you get started easily. And if you’re a budget nerd like us, this system is about to become your new best friend, your new obsession, because it’s the exciting game-changing upgrade to your budget that you need right now.

So head on over to budgetbesties.com/budget.

Now let’s jump back to today’s show. 📍

Anyway. Okay. We beat that one too. So we’re going to move on. Okay. So we had somebody say, I want to feel more peace around my money.

And we thought we do too. Can you tell us more about that? But honestly, that’s what everybody says that word peace, because It’s whatever’s happening on the inside of your brain and your heart. It’s not feeling peaceful, right? Yeah. And she said, I want to get ahead of feeling like living paycheck to paycheck.

Again, it’s not necessarily that she is, it’s the feeling of, and then she said they live in the Northeast and homes are so expensive. Their oldest is off to college and it feels like there’s so many more bills. And then we live in a hyper awareness of what our bank account balance is.

Whoo, yes, we understand. We get that. Trust me. When we were, when we read this, we were like, what’s your resource? Is there any podcasts that you listen to? We were trying to be funny. But yeah, just to be totally transparent, we we were talking about before when we had friend time about money, because the season of life is very expensive for us.

And so we get it. Okay. And none of us want to be This way, but things keep getting more expensive. We were talking about before we start, we hit record, Vanessa, how would we thought we were so naive when we thought that when our kids got out of diapers, that we would save so much money. I got, I kept saying, if I can just, when they just.

Like whether it’s, you can replace that with diapers, formula, daycare whatever it is. And then it just never happened. They just kept getting more and more expensive. Yep. Yep. They really, and then like the food, like especially, oh my gosh, if you were, if you ever bought baby food or you had to make separate meals or if you ever did formula or anything like that.

And you’re like, once this done, once we’re all eating the same thing. Oh no. Cause now. Can I go on my rant? Can I go on my rant? Oh, I’m going to actually give you an example. So last night we did a sheet pan recipe and I was so excited because, it’s just, there’s no leftovers. I’m not going to tell you.

Hold on. It gets better. So my son is, my kids are on this super like health kick right now. They won’t eat pizza. They won’t eat mac and cheese, like they won’t eat anything. And I buy good mac and cheese, like I buy the good stuff. Anyways, so my kids asked for salmon, so I found a sheet pan salmon recipe.

I was really excited about it. But here’s what you have to know. When you have two teenage kids that are in sports, they eat as much or more than you do more. No, they eat, he eats more. They more than you by far. Yeah. So I told my husband, I said I was really excited about this sheet pan, and then I realized I have to, it has to be two sheet pans.

Yep. My one sheet pan turned into two sheet pans. I also turned into 40 worth of salmon. For one night of dinner. Literally. Listen, we have a budget meal lady coming on soon. Because that’s the problem that I’m dealing with. And I feel like we’re going on a rant. I’m a really sorry person. We’re going to get back to you and your problems.

We’re going on our own problems right now. But that’s what I was telling Chris. Is each meal is like 40. Remember when we, the 5 meals, it was like a big thing on Pinterest or whatever. It That ship has sailed and you can say to teenagers, it’s not just two teenagers. Cause now I have my little Ayla.

She’s a bird. She barely eats, but guess what? She’s a gymnast. She eats all the time. And it’s so annoying. So annoying how much food they all want. And the teenagers eat more than you by far. What was interesting for me is when my son passed up my husband. Oh, when his eating? Yeah. Because I remember when Chris came home from deployment, we were all very healthy.

And him too. He had lost weight, I had lost weight, whatever. And I had forgotten how to feed a full grown man. And so he had lost like 30 pounds, or I don’t remember what he lost. He kept losing weight when he came home because I wasn’t feeding him enough. So he was eating less. Home that he was deployed, which was really bad.

So anyway, my point but so when I got used to that, and then when I watched Zach surpass him in food, anyway, it’s so expensive. Have we like the reality sets in of how much money dinner is costing you? It’s Oh my goodness. It’s not just you either. It’s us. It’s we get it. Like it’s so expensive.

All of that to say is our pipe dream of saving money once they didn’t need diapers anymore is gone. Okay. It’s not a thing. We were wrong. We admit it. Yeah. And it’s like the pipe dream of saying someday I won’t be as busy. No, we’re just going to own it and realize that. And this is the same as food.

Like we’re just going to own the fact that the next four years when my kids are in college, or excuse me, while they’re in high school, before they go to college, yes, that this is going to be our life and this is how much it’s going to cost us. So we have to drastically change our grocery budget. High school athletes.

Who donate junk because junk is still expensive, but you can Feed a lot of junk to some, let me say this the right way, the nice way, what I’m saying is if you are trying to eat healthy, that is going to cost more because it just does cost more versus like a bunch of we don’t keep any of that in the house.

I don’t buy, we don’t have any of it and now my kids don’t even want it. Like they’re not even asking for it. My kid, my love, my son loves salmon. And like I said, that was really cheap. Yeah, I know. But when you said two chickens, the salmon, I was like, no girl. Nope. Might as well go out to eat at this point because it’s the same price.

Okay. Okay. So here’s the deal. How do you fix this? One, like one thing I wanted to plug in here is cause I, this sounds familiar to me with one of the clients that I had and I love her and she graduated last month, but she felt the same way. Like the kid, the kids are getting older. There feels like there’s so many bills.

So I’m feel like I’m living paycheck to paycheck and so I had to write down what are you actually spending on these kids because and go through and add it all up, add their camps, add their gear, add their add their activity fees, like whatever you’re spending on them and go ahead and add it up and then you’ll find out why it feels like you’re living paycheck to paycheck.

Not necessarily Because you can’t afford it, but because you’re not planning for it the right way, or you’re not, and you’re not seeing it. So I told her take that information to your kids, to your husband, and say look at what’s happening. Yep. This is what the bird’s eye view is. Is this what we want? Is there some, is, do we want to focus on one sport?

That could be a thing, and then we can save some money. Just one, yeah. So I do think that’s something you need to know how much are you really spending on everything. And I think it’s good for the kids to know, like Shana said, show them, especially when they’re older, middle school, high school, even elementary school, there’s a way to, there’s a way to explain it.

There’s a way to teach it to them. So they fully know what’s going on and that we don’t make it a burden, but so they understand and appreciate what is happening with our money. And Hey, let’s be in charge and decide what we want to happen with our money together as a family. Yep. Okay. And so then in general though, what you need to do is a 90 day audit.

You can go to budgetbesties. com forward slash 90 day audit. Get that done. See where things are really going. Go back and not, so you’re saying hyper awareness of our bank account. We want to be hyper aware of our budget, right? We want to be hyper. We want to know what’s really happening with our budget, what we’re planning to do, not what will happen, but what we want to do.

That’s where we want to shift the focus. And then you’re going to set up our system. That’s really, that’s what you need to do. Yeah. So when you separate the accounts and your bills account is only paying bills, you literally guys barely have to check it when you get to that point. And then all really, the only counts that you’re looking at is your gas and groceries and your pocket money accounts.

That’s it. That’s the only thing you really have to track. So once you can get to that point, it’s really nice. But again, Shana said, you have to. Do the audit, set up a budget, separate accounts, and then you’re golden from that point on. Okay. Another one said, a person said, I feel like we make great money, but don’t budget effectively or have as much in savings as we should.

What does effectively mean? There’s so many words that we’re going to, we’re going to die. What is that like sentence diagram? This sentence. The first thing that caught my eyes when she said should because you’re never going to be able to meet this standard of should should isn’t as like this pipe dream of I’m not doing good enough because I should be doing better. I associate it with keeping up with the Joneses who decided what that shit amount was. So should is not a helpful term. What you need to do is go ahead, go back to the drawing board, set goals.

When you think you need to be saving, what do you want to be saving for? Exactly a dollar amount goal. That way you can use your budget to fund it. But when, if you keep it as should, you’ll never know. You’ll never ever be able to win that battle. You’ll never feel successful. So it’s when they talk about entrepreneurs or even people who are high achieving, if they don’t define what win, winning is, it’s like, Or what a win is, they’ll never feel like anything is good enough.

So this is the same concept. You have to put a number to it. You have to decide, okay, whatever that amount, I’m just going to throw a number, 20, 000. We always keep 20, 000 in our account because this is what it’s going to take to fund, the next three months, God forbid, if something were to happen.

Okay. Then you know what that looks like. And you can get to that point and go, huh, we did it. We made it. And so another word that we didn’t exactly love in this in this class. sentence was effectively. So if you’re, she says we’re not, we don’t budget effectively. And I’m like what does that mean?

It probably means you’re not budgeting, right? A lot of times people who are budgeting means they think they’re sticking to a to their paycheck amount or they’re not they’re paying their bills and I’m budgeting, right? That’s not a budget. A budget is a hundred percent knowing where your money is going on purpose, every dollar.

That’s what a budget is going to do. And but you’re probably using like a credit card balance or bank account balance to, to, to budget. That’s not what we want for you, girl. No, there’s a better life out there than using your one account to figure out what your, what you’re able to spend. Because like we said you’re probably pulling up your bank account like, okay, there’s 20 bucks in there.

I can go to the store really quick and buy a bananas or whatever, but Hey, hold on that 50 water bill still needs to come out and this needs to come out and that needs to come out. So you probably really don’t know what’s happening with your money. If you’re just following a bank account balance or worse, if you’re using a credit card.

limit, then you really don’t know what’s happening with your money. So like Shana said, we really want to set a budget, figure out where every single dollar is going, and then from that point on, set your goals and figure out, okay if saving is my top priority, maybe you’re out of debt and you’re like, you’re only focused on saving, let’s put a dollar amount to it and fund it.

Okay. The next person said to pay off debt and save and live comfortably, to be more money aware. So we have a podcast. I’m sorry.

We have a podcast coming out where we tackle how to you to follow Dave Ramsey’s method using our system. And this is really. what the same thing is really talking about. You can use our system and you’ll pay off debt, you’ll save and you’ll be comfortable. Like you’ll be bougie on a budget. That’s the whole problem or the whole goal.

Yeah. Goal. Just use our system and it works. Yeah, it really does. Again, our whole system is doing a 90 day audit, really seeing what is happening. And then you want to do a budget, which is What do I want to happen, right? Then you set up your separate your accounts, and you set up the automatic transfers, and then from that point on, you really are able to see where everything is going, and it’s working for you.

You’re, it’s hands off. It’s an automatic system, and then really all you have to do is show up and just check in and monitor it. Okay, last one okay. I want out of debt.

Oh, I like that. I want out of debt. She wants out of debt and to spend our hard earned money wisely. Love it. I love the, see, we did the sentence diagram of the other one. We, that could be improved. This is a good sentence. Yeah, it is. This is a good, I want out of debt. And to spend our hearts very serious, wisely.

Yeah, I do love it. So listen, number one thing, guys, we always talk about, it’s never changing is to do a budget. You have to be able, I know brand new information. You have to really see where your money is going. I know it may it’s the B word. Nobody wants to do it or it’s lame or whatever. There’s got to be an easier way or it got to be a better way or more complex way.

No, it’s like losing weight. Literally just go walking, literally just, there’s a couple of things that you have to do to be successful. It’s not convoluted. Do a budget, see where your money is going, and then tell it where to go. Yeah. And so the thing is that our system allows you to know exactly how to, how much and how, when and how to pay off debt while also using the savings buckets.

That’s going to help you. Cause so when you say spend or earn money wisely you’re going to the budget is going to tell you how much to spend on groceries. And because you’re setting a budget, you’re going to be more wise. You’re going to have to plan a little bit, right? But then also it’s going to allow you to, so that’s like you’re spending your money wisely.

But also if we want to spend our money wisely on a vacation or on some sort of Christmas or yeah, there’s so many things you want to do it wisely. The savings buckets are going to allow you to do that. Yeah. And I really love how you put wisely, cause it really knows that you’re trying to be super intentional about where your money is going.

And we love that. And when you separate your accounts and you going, okay. We’re sending. 500 as a paycheck to the grocery account every single time we get paid and that account is only used for that, then it’s really good and it’s really easy to know how much you’re spending on groceries.

Like it’s not mixed in with any other money. So you know that is going to be spent wisely. And then when you go to your savings accounts, like Shana said, maybe you’re trying to spend on travel, maybe you’re trying to spend on Christmas and you have that amount specifically set aside for that.

But you can with confidence say, I have spent my money where I wanted to spend it. Yep. Okay. That was a lot about spending. It was a lot about spending and hopefully it helped you. Hopefully you we went on our own rants. So hopefully you got something. You guys were you helped us work through some stuff.

Thank you so much. And if you have any questions, you know where we are, come find us, come join us in the Facebook group. Hey, and if this actually helped you, we’d If this actually helped you, would you share it with a friend? Would you think of one person that you could share this podcast with? Or this live video with?

Yeah, which Invite them, whichever one, and share it with them. Yeah, which one of your friends has told you lately they have a problem with spending lately or something and they could use this video. So we’d love to meet them. Yeah, and just send this over to them. Yes, we’ll talk to you next time. Bye. Bye.

  📍 Hey, if you found value in this podcast and you’re ready to go deeper, here are some ways we can connect. First go ahead and take the leap book, a free 20 minute financial coaching call with us.

This is your chance to ask questions, to get personalized advice and start mapping out your financial journey for free. It’s on us. We’re treating you just hop on a call chat with for 20 minutes. It’s going to be great. Yeah next, join our supportive Facebook group, where you can connect with other like-minded people who are trying to figure out this budget thing, just like you, or if you want to take it to the next level, grab our signature budget template.

You’ve heard us talk about it. It’s a game changer for organizing and optimizing your finances. It’s practical. User-friendly and it’s the perfect tool girl. To start making real progress. And if you’re ready to get serious about your finances and you know, you need the accountability sign up for financial coaching.

Now, guys, this is the one-on-one hand holding that, you know, you need, let’s be honest guys, if you’re going to do it on your own, you would have done it already. So that’s what we’re here for. Yes.

And Hey, if today’s conversation sparked a new idea or inspired a change in you, why not share that spark? Tell a friend about the podcast and leave us a review on iTunes. Your words could be the nudge that someone else needs to start their journey towards financial freedom. And by the way, as we say goodbye, remember your financial journey, your wellbeing.

Isn’t just about numbers. It’s about all the peace, the joy, the lack of stress that it’s going to bring into your life. So you’ve got this and we’re here to support you every step of the way