Vanessa, there’s so many questions. I know, we get them all the time. But that’s okay, that’s what we’re here to answer. Yeah, well, as you guys know, Shane and Vanessa here. We’re the Budget Besties. And did you know that we’re Financial Coaches?

What? Brand new information. It really is. But we, you know, we wanted to come on here because We have spots open, Vanessa. It’s like the first time in forever. I know we graduated so many clients in December and January. It was just kind of like the right time of when they came in and it’s kind of like the new year.

Yeah, it was, it was awesome. But we actually, like Shayna said, for the first time in a long time have spots open. And so we are inviting you to come check out what financial coaching is all about. And by the way you might have some questions. And so we do free calls for people interested in coaching and they tend to ask similar questions.

And we figured we would help you if you have questions about coaching, we help you by answering them here today. Yeah. And sometimes you can’t get in for a free call, right. When you want to with work and our schedule. And so we figured if we had podcasts that could help answer most of your questions, and if we don’t answer them, feel free to email us at hello at budget besties.

com to get them answers. So that way you can fully understand. Yeah, and we’re going to try to rapid fire answer these, but so just bear with us because there’s a lot of them, but we want to give you all the information, but just real quick to let you know, financial coaching. First of all, you hopefully know and believe in us by now that we’re not going to judge you for anything. I think that’s the most important thing. That’s one of the big things that we hear as your coach, we’re not going to judge you.

We are here to have fun and do math. That’s it. Absolutely. And here, who is the financial coaching for? It is for people who make good money, but are struggling to make progress. They want somebody to come in and help tell them exactly what to do so they can make results and get there faster. Yeah. And not have to like, think about what, which, which things I do next.

I don’t have the brain calories for that. Right. That’s what we’re here for. And the other thing is, we’re here to teach you what you don’t know. So that’s why we say there’s no shame. You don’t know what you don’t know. And we’re not, nobody should be upset about that. Just give yourself some The time with coaching and best in coaching to learn.

And then you can like totally hit the ground running. Yeah. Completely like no shame attached to that. Because like Shana said, this is the first time you may ever hear this information and that is okay. And that’s not. You shouldn’t be shaming yourself because you don’t know. Yeah. Well, it’s like my client said today, everybody needs a Shayna or a Vanessa cause they’re almost there.

They got their last credit card we’re going to pay off. We’re going to probably work together another month or two just to get them on the next, the after, the other side. You’re you’re a before when you come in and you’re after afterwards and then they’re done. The brother, everybody needs a Shayna. I’m like, yeah, they do.

I wish that they got it earlier. But can you tell them? Yeah. Okay. Coaching is a done for you system where we have two 45 minute sessions a month with you, and you have access to text and email us in between sessions. Yeah. And with those sessions, you get, you obviously get it, you get our budget system and we send you your budget.

You don’t get to edit your budget until you graduate. That’s a kind of a caveat, but when you get access to the system and you’ll have lifetime access to our system as part of that, you also get recaps. Every session, what have we talked about and what your, what your homework is and your action steps from that.

No, don’t be scared when we say the word homework, right? There’s a couple things like we can’t access your bank information. There are things that we need. And so we have you kind of go get all that and just bring it back to the next session so we can move forward. Well, and don’t be scared because we tell you exactly what to do.

I think that’s, it’s not whether you’re willing to do something. It’s like, I don’t know what to do next or what to do like in this moment. So that’s what we’re going to tell you exactly. And I also think people just want to know, what do I need to do next to be the most successful? And that’s what we do for you.

Yeah, and you know, if you know, you have had coaching before, whether you were an athlete or whatever, there’s something to someone being able to see it from an outside perspective and hold you accountable and help you to do the things that you want to do, but you might not do without a coach by yourself.

Yeah. Valuing having that coach next to you, that cheerleader, somebody to tell you, like we said exactly what to do. Okay. So what happens inside coaching sessions? Well, you know, it really just starts off with a fun conversation. Let’s, let’s, let’s work off your tone here. And then we talk about like your action items for last time, how far you got, did you get any of them done?

If not, we’ll do them in the call right now. And then we start kind of going through like your asset tracker, debt tracker and your budget. Yeah. And so when we do the budget, we are either updating it to get the real amounts or what you actually did. A lot of times we’re like, let’s look in that bills account, make sure it’s only bills that came out, right.

We’re going to check it off. We’re going to update it. Yeah. Depending on which session it is, I will either be closing out the month, making sure or closing out the budget and then making another session will be making your next budget, right? So we have two sessions a month. One is really for accountability, making sure you’re doing the homework, everything’s working the way it’s supposed to, and the next one, we’re going to plan the next month with you, so you don’t have to do that on your own.

Yeah, a lot of the questions that we like to ask is like, what do you like, what do you dislike, what’s working, what’s not working, what do we need to tweak, what do we need to adjust, update, like all of that, because we really want to get the full picture for you. We can’t make a decision without having all of the information in front of us.

So one question that we got recently was what is the actual level of hand holding? And it was so fun because you might relate to this. She knew that obviously she wasn’t doing it the way it wasn’t going. What was she was doing? Wasn’t working. Right. And so she came in knowing if you’re not going to hold my hand and tell me what to do, if this is like a, what I have to kind of do it on my own, I’m not going to do it.

Yeah. It’s not gonna work for me. And don’t worry. It’s not, we’re going to tell you exactly what to do. And we’re going to, like we said, Did you do this? No? Okay, we’re going to do this. Like, we’re going to hold you, hold your hand for six months. We didn’t mention that part before. For six months, we’re going to hold your hand, help you, and then you’re going to walk away totally confident being able to do it on your own.

I’m glad you brought up to six months, Shannon, because I want to reiterate, we, this is a six month coaching program. Why? Because we’ve done it for, we had clients on for two, three, four years before we had clients for a couple months. And what we decided is that six months is a really great time to get you in, give you the information, set you up, see what’s working, what’s not working.

What do we need to tweak? By the end of it, you have everything set up, all the bank accounts, like we said, all the systems. So you can basically we give you your wings and you can fly away and you can do it on your own, but it’s a great timeframe for us to be able to put our name on it and go, okay, we have done it.

Done everything that we can do to help you be as successful as you can in that timeframe. And it’s not a quick fix. This is why it’s not a one month or two month program. And all of our clients will tell you, Oh my gosh, if you had pushed me out or graduated me at two months. That would have not, I would have been so mad, because it doesn’t take that long.

It takes a little bit longer for you to kind of get in there and get dirty, get your hands dirty and figure out what’s working and set all the systems up. So another question that sometimes people ask is, well, what if I’m bad at math? Or they think they’re bad at math. And I always think, well, you’ve been making this work so far, so you must be doing something, right?

But what if I’m bad with numbers? Don’t worry, we’re not. So there’s that. But also our budget. We always have our calculators with us. Yeah. Our phones and our calculators. We have the calculators. We have the budget that does the math for you. You’re going to get the budget that does your math for you. Yeah.

Yeah. And honestly, it’s simple. Once we simplify it, you’re not going to find it like all of this crazy number of things that I have to do in my head. It’s just going to be really easy. Absolutely. And the next thing is, is like, do I have to give up everything I love? Like I really don’t want to give up my pumpkin spice lattes and go into Target.

The answer is no, absolutely not. We. obviously make you look at your budget and look at all the numbers after they’re on paper and go, okay, what do you love about this? What do you don’t love? Like, are there things on here that you’re not even using that you’re paying for? Let’s cut those out. So we do have you make some decisions, but we don’t want you to get rid of things that you love.

That is not what we’re about. Yeah. Another common one is what if my spouse isn’t on board and listen, first of all, we, we love you. We, we, we understand that that is a big deal. We do. And it’s, that’s probably part of the problem. Why are, why you’re listening, right? Cause it’s, it’s. That’s a struggle. But there’s two ways that we kind of work with that is we ask, you know, maybe you can talk to him, bring them on board, explain, be vulnerable about why you want this coaching, what it’s going to do for you guys, and maybe get them involved.

But we also often work with just you to help you get your, get your financial literacy, really get your system set up, feel confident about money, feel ready to have that conversation. And then maybe they’ll come in on the conversation with you both ways we can do. And you know, we just we really want to help you.

Change that the money taboo in your relationship. And how many times, Shana, how we started working with the wives. And then later on the husband’s like, Hey, wait, what are you doing? Cause it’s working. There’s so much money in our account and all this is happening. And, and they literally become super fans by the end of it because they see the result men want results.

So what, if we can get started and then they can see later on, like, Hey, there’s something to this. They get really excited. Okay. So what if I feel emotionally stuck or if I feel super overwhelmed, what if, if that’s where you’re at, cause you don’t know if you want to start coaching. I mean, that’s what we’re here for the whole reason you’re hiring a coach or a little bit like therapists in that we are here to take some of that burden and talk you through it.

So many times it’s worse in your head than you think. And we can see your finances from a different perspective. We can shine light. We can inject hope. That’s our job. And imagine trying to do, if you’re feeling that way, you’re doing it on your own. That’s not the solution. Love you. We will be able to help you and make you feel hopeful.

A lot of times we like to tell people like, We are, we like to see it as from a bird’s eye view. Okay. This is an outside person’s perspective. Looking in, we are not attached, like emotionally attached to your money. You are because it’s yours as you should be. But sometimes you make different decisions that way because you are too close to it.

So when we come in, we can see the whole plan, the whole vision. We see everything and we can lay it out for you very easily and clearly, whereas you just may not have even thought about things that way before. Yeah. Okay. So what kind of results can somebody expect? You know, when they, when they think about like, okay, I want to come, I’m not really sure.

Is it’s worth it? Like, well, I mean, there are the, the number of results, which like most clients pay off or save up like 000 in the six months that we work with them. And then that, you know, that’s going up. Yeah. Yeah. I was just going to say, that’s kind of a minimum at this point. But. That’s the tangible stuff.

You’re going to have a budget system that runs automatically, that you’re, you’re not going to be fighting with your spouse. You’re going to be able to tell your kids yes, when you want to tell your kids yes, and not have to swipe a credit card. Like there’s so much results in your daily life, but also the numbers.

Yeah, absolutely.

📍  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.

📍  Okay. So how do these sessions fit into my schedule? I have, you know, maybe you’re really busy. We have a lot of lawyers, a lot of doctors, a lot of financial investors. We’re just people like us that are working Don’t have time.

They’re doing their own business and there’s like no free time. Or they’re your mom and your kids have a million things going on and you don’t have time for this. So what we like to tell you is that, listen, our clients get first priority over our schedule. So you have pre scheduled sessions in our calendar twice a month.

They are reoccurring but they’re flexible if you need to reschedule. But we want you to have a spot on there. And if something happens, doctor’s appointment or whatever, a meeting, then we’ll just put you in a different spot. Yeah, and we’re gonna meet on the 1st and 3rd week each month. That’s what you can you can put into your calendar, and we understand that you might be working what we what I just had a client today.

She said, I’m playing hooky because she was a teacher, and I said okay, but if you had a doctor’s appointment, this is, this is what you would have to do. You’d have to take off from work. This is as important. It’s six months. That’s what we’re asking. Fit it into your schedule and then you can run off into the sunset and never have to have another coaching in your lunch hour again.

Yeah. It’s 12 sessions. So you think of six months like, Oh, it’s so long. Actually it flies by. I’m going to tell you. It’s so sad. It’s such a bittersweet moment when you graduate clients cause you literally become part of our family. But it’s only 12 sessions. That’s it. Okay. So what is the investment and is it worth it?

So coaching can be paid in full or can be paid monthly. So it’s either 7. 97 a month, or if you pay it in full, it’s 46. 87. Yeah. So you get that little discount if you pay in full. Yes, it’s worth it. There you go. Because what, what we just said, you’re like, usually they save or, or pay off 20 or 30, 000 in six months, but that’s just the first six months.

Once you get your system set up, the dividends that that’s going to keep paying for the rest of your life. And hopefully you teach your kids like. Yes, it’s worth it. This is consider it your, you know, budget university or whatever. You’re going to pay a little tuition to get, to get all the education, and then you’re going to be able to use that knowledge for the rest of your life.

Absolutely. And if you own a business, because we’ll be talking about your business, because you can’t do one without the other, it’s a tax write off for your business. So you can pay for it and then give that to your CPA as professional fees and you can write that baby off. This is a funny question from a funny from funny client I love them because they said are you gonna do most of the leg work and then help me and as and then the training Wills will come off as I’m on my own same clients

So I’m like, well, that was cute. I guess you had training wheels on for like a minute, like two minutes or whatever. But yes, we are going to tell you exactly what to do and then we’re going to teach you to do it yourself. So that way by the time you’re done with coaching, you’re going to feel confident that I can run this budget on my own.

Our goal for coaching is not to keep you on as clients forever. Our goal is to be able to get in, get, teach you in and get out. And that’s why we’ve set this six months. We could make it, we could have made it longer, but we decided that we’re not doing that. All right, so what types of sensitive information do we require from you? Yeah. None. There, I helped. Zero. So, you know, a lot of people might feel some some friction here, but we’re actually, we’re not putting your name, we’re not putting your social security, we’re not putting your bank account numbers, none of that.

We’re just, we’re calling it car loan, right? And then we’re putting the balance and the interest rate, but it’s not tied to any actual information. So you don’t have to worry about that. And we don’t have access to your bank accounts. Like we’re not asking you to give us access to anything. You have all that.

So it’s, there’s a fine line and a big boundary there. And it’s just, it just keeps it all safe. Yeah. Do we have to open 10 bank accounts right away? No, what you’re going to do is we’re going to, we’re going to build your budget. We’re probably going to start with spending for the most part and get your bills and spending separated.

And then we’re going to do it based on what you want, what you’re comfortable. As you get more confident, you might be opening more accounts, but don’t worry about that. We will talk to you about that as we go. Right. And we have a lot of people that are like, I did all this stuff before my first coaching session.

And then nine times out of 10, sometimes you have to change it up because what they thought is not actually what is. So yes, we will, we will tell you how to do all that. Okay. So how do you handle the ebbs and flows of the volatility of 100 percent commission based job.

We hear this a lot. Yeah, that’s fine. We’re still going to treat, we’re going to use an income holding account. We’re going to enable you and show you how to get a paycheck regularly. Even though you’re, the way that your pay structure is, doesn’t feel regular. We’re going to make it regular by using an income holding account.

. So what makes you guys different? You know, why are we different than what’s out there? First of all, y’all come in trying to track things and we are not here for that. You don’t have enough time, right? We are not going to teach you to categorize everything that you spent and track it and figure out where it all went.

We’re going to tell you. Exactly how to make it go where you want on purpose automatically. And then we’re going to like tell you to go get a margarita or something, do something else with your time. So that’s bookkeeping or money management. Like, no guys, what we want to do is teach you how to set up a budget system.

This is why you’ve tried so many budgets in the past and they haven’t worked. What we’re teaching you is a complete system that you can take with you for life, literally set it up for life and teach your kids, teach your grandparents, teach whoever else about it. So that way they can be successful as well.

Okay. Last question. Okay. Well, actually, no, it’s not the last question. I’ll save this one for last. But this, so here’s another question that we get a lot. What if I can’t attend the session? Only one of us can attend the session, whatever. It’s fine. We have one, we can give you recordings. We have the recordings of your sessions are always available.

You’re all going to get the budget. You’re going to get the recaps. We can work with one of you and have separate action items if we need to. Whatever. Do not worry. This is not meant to put pressure on you. It’s not meant to add something to your, we’re here to help you and Work with you where you’re at.

Yeah. Sometimes one can come, sometimes both can come. It doesn’t matter. We’re still making progress. Whoever shows up. Okay. So last question, will we be working with you or your buddy? Like buddies? Is there going to be like a two for one or is it just going to be one on one? That’s a cute question. And so we just thought we’d throw it in there at the end and actually you’ll work with one of us, right?

We each work with clients separately. We don’t both need to be it might be a lot. It might be a lot. I was just going to say this isn’t like a, we’re not gaining up on you. Yeah. So, but you’ll get one or the other. Now, the caveat to that is Vanessa, I have to remember to introduce myself because people do not know which one of us is which, and I have literally forgotten to do that with clients.

And then they thought I was you. It’s like three months in, they’re like, Hey, Vanessa. I was like, wait, that’s not, I’m not Vanessa. Is it too late? Should we not say anything? Should we say anything? So anyway, the point is we’re here for you. We’ve got you. We’re, we love working with clients. We have. Open spots.

We do. We have a couple. We don’t have a lot. We only have a couple. But we encourage you guys. Listen, if, if this podcast spoke to you, we encourage you to book a free call. If you don’t have time for a free call, hopefully this podcast answered most of your questions. You can go directly on the website at budgetbesties.

com forward slash coaching and sign up now. Yeah. Or if you want that free call, which again, you, you’re going to probably, hopefully I’ve got all your answers. That’s budgetbesties. com forward slash free call. But what I want to say. Is we, the other, the only question we didn’t really maybe answer is who?

Do we work with like, we work with everybody. We have single moms. We have married couples. We have retirees. We have business owners. Like it doesn’t matter. We want you to feel good about your money. We want you to take control, own it. And we’re here to work with all of you. We love you all. And the system works the same, right?

And so we do, we love, we have such a blast working with you guys. It is so much fun. We appreciate. I just graduated a client this morning, actually, and she’s going to come on and give a testimony. I’m so excited. But, you guys, it doesn’t matter whether you make 7, 000 a month, it doesn’t matter whether you make 50, 000 a month.

The budget system works the same for everyone. Yeah, and if you’re a little nervous, please don’t worry. We have, remember, we have the famous, we have many clients that come in nervous, they’re like, I’m not sure, and then we immediately are going to put you at ease. I promise. That’s what we do best. But, we had the one client that, remember she brought beer, and the second time she brought wine.

I think. Listen. You don’t, whatever you think, you’re no different. You’re, we’re all in the same boat together and we want to help you no matter what. And it’s required to laugh at every session. Yeah, it is. Or sometimes there’s a little crying, but definitely laughing. We’re going, we’re going to make this a fun thing for you.

And we really hope that you sign up. We gave you those resources and maybe we’ll see you in a session soon.