How to Build a Hands-Off, High-Impact Budget That Actually Works (Even If You’ve Failed Before)

 Hey guys, we’re really excited to bring you an episode to help you make your maze budget, but we’re doing it a little differently this month. We sat in with our friend Carrie and her private group, disruptive nutrition,

She wanted us to go through our budget with her people so we can really see how it works. So we’re gonna help you build MA’s budget. You’re going to do it exactly like we do it every month.

If you haven’t made your MA’s budget yet, today’s the day. This is your sign. She is on fire. She is a ball of energy and she has so much fun to work with

  Vanessa and Shayna welcome. We have a workshop today for our members.

we are excited to be here to talk about the B word

Yeah. We’re gonna talk about the B word and we love everything you said. But we agreed. Nobody’s taught you. What you’re doing is probably the same operating system you had when you were 18. You’re probably still doing the same thing. And guess what? Our lives are more complicated. There’s more money things happening. So we want to upgrade your budget system.

And we just, I think a lot of people feel like they have to do it, they have to have their hands in it, it has to be done by them all the time. So it’s really time consuming. what we’ve realized in the system that we’ve put together is that we actually want it to be as hands off as possible and as automated as possible.

because we don’t have time for anything else. We are busy. Trying to be healthy, trying to run our lives, run our household, run the kids, the sports Live out your purpose. we just want to set it and forget it basically.

So John Maxwell said budget is telling your money where to go, and instead of wondering where it went, we love him. We love that. But, so we’re taking that, but we do the next step. we’re not just telling your money where it’s gonna go. Your bank is going to put it there and we’re gonna show you how

so we’re just gonna walk through and help you build May’s budget. That’s what we wanna do. And if you’re watching this in the future this budget process, building a budget applies to any month that you’re gonna be building a budget.

We just wanna show you how easy and simple one of the things that we wanted to do is get it all on one page. And I think that’s really important. We have seen so many different templates of budgets and they talk about fixed income and. Variable expenses and all of these other things and we’re like, yeah, but what are you supposed to do with your hands? And so what we have created is a budget with five simple columns that talks about inputting your income, your debt, your bills, your spending, and your savings. And that. Is it pretty, this is you guys.

These are my colors.

We want you to not be struggling with money. It’s not that you don’t have any, we don’t want any of that stress. We want this to be an easy.

Easy thing in your life that is, is not stressful. And we want to educate because as we’ve said, nobody taught us. So that’s why we’re here. That’s why we’re doing it. So let’s dive in. Love it. And we also have been doing this for a while, Carrie. So we have, we’ve taken all the other budget systems, all the other methods, and we’ve looked at ’em and we’ve condensed it into the easiest, most simple way to budget, hopefully possible.

We are all about efficiency.

so organized, you. Speak to exactly the type of woman that needs that level of clarity and organization. love that.

You’re our people. For sure. Okay, so when you’re making, so here’s the thing, this is a budget. It’s, we think it’s beautiful. Our clients have told us is beautiful. Like the idea here is that budgets don’t have to be scary. It doesn’t have to be this thing that you don’t wanna look at, you don’t wanna handle, you don’t wanna do.

’cause it’s confusing and it doesn’t make sense and it’s complicated.

talk about that, like aesthetics, to me there’s two things, right? Like pretty, especially like when we talk about ourselves and our bodies and all of that, it’s like there’s a surface level ego kind of thing, but then there’s a calming piece around things that are aesthetically pleasing.

When my home is organized, when there’s systems, when you’re not overwhelmed, it’s like clutter, clutters the mind. And that’s what I think the concept of making something aesthetically pleasing is really important for.

I don’t think it’s superficial at all.

I think it’s naturally how we want things to be. Okay. so when we say we’ve distilled it down, we really have, there’s five parts to a budget. That’s it. You only have to get through our five columns here, and you’re gonna be having a budget and it’s gonna be amazing.

Yeah, absolutely. So the first thing we wanna obviously do, we say it’s the best part of your budget, the best number, which is your income. So you wanna list all of the money that’s coming in that month. Now, if you look here, We have Matt and Elizabeth. They both get paid on the first of the 15th of the month.

And also when we’re listing our income, it’s really important. To see how much do we make a month? What do we bring in each month? This is our starting ground, right? You need to put it and plan it on purpose. So we wanna see all of that income, anything that comes in the month, we’re gonna put it here.

We even have people who have a tattoo artist who is a new client of mine, and she’s do I put in all of my cash? And I said what do you use your cash for in the month? She’s I pay my nanny. And I’m like. Then yeah we need to make sure we document everything that you bring in.

It doesn’t matter where it comes from or what you’re doing with it, but we need to see it on paper. ’cause you be, you should be able to see how much you bring in each month.

Yeah. This is for you.

And it’s not it’s, you should be able to see that, but you also should be able to see what your money can do.

Let’s say her tattoo artist doesn’t have to pay a nanny one month because whatever. Then you can say, oh. If I don’t, if I do that, I can spend 500 or a thousand. Let’s be real, a nanny, $5,000, whatever she spends on almost on. I can put it for a trip or something. but if you have a business that you have cash, we wanna count it because we could do a lot with that money.

And otherwise it disappears. And that’s what we’re trying. We want to know where our money is going at the end of the year. You wanna say, I made in tips I made. $50,000. And this is where I put it. Not, I just lost it. I don’t know. I don’t have, okay, that’s a dead horse. We’re done. Okay, so we’re done with one column.

Yes. It tallies it up for you. It gives you a place as our system does for you to be able to put the dates in there. And very clearly it has, extra lines.

Oh yes, girl.

Oh, come on. Isn’t that beautiful? Doesn’t that make talk about aesthetically pleasing? Woo. And it’s just so nice and it’s not red. You know what I mean? Like the other budgets are like, it’s red or black and all no, it’s just gone.

You did it. Check mark. Girl. You got that check mark.

we verify the amount. ’cause if you’re not on salary and it changes, we wanna, update it in here.

update it.

update it and then you check the box.

So the next column is debt.

 Hey guys. In case we haven’t met yet, I’m Shana.

And I’m Vanessa. We’re the budget besties. We’re best friends and master financial coaches and we love talking about the B word. We help women who make good money but have nothing to show for it. Finally, set up a budget system that fits their bougie lifestyle. If you’re liking this so far, hit the subscribe button and stick around.

 Okay. So this is ’cause sometimes an eyeopener to see how much am I actually making in monthly minimum payments.

And in this case they’ve got 12 70, 70 there. Or actually monthly minimums are 8 94. So they’re paying $900 toward debt a month. The reason we put this here is we want you to know this column can disappear. You can get rid of this and that you would know once I get done with debt, I’ve got $900, I’m gonna be able to put back in my budget and do whatever I want with.

These are all things, debt line items that can disappear from your budget forever. That’s why it’s its own column. We want you to know that it can go away, and we also want you to only put minimum payments here because we’re going to do extra on debt at the end of your budget,

What about mortgage?

So we recommend you put it in your bills column. Now, if you are like me or I have a couple clients, like that’s their only debt and we are focused on paying it off, we do move it over to the debt column.

Yeah. But for now, we usually have a mortgage going in the bills, so you’re gonna put those in there. Only your minimums. we’ll tell you why. Once we get to the extra on debt, we’re just putting the minimums Yeah, that’s not what we’re about.

What we wanna do is say, okay, bare minimum, what do I have to pay on debt? And that’s the number that we’re grabbing here.

Yeah.

Okay.

So that hopefully was short and sweet. It’s not very fun. we do have a debt tracker and there’s a lot that happens with our budget system. you’re gonna put all your actual balance or interest rate and we have a debt snowball and a debt avalanche tab that will show you when you can pay off your debt based on all the input.

explain really quickly, what do you mean by snowball?

So there’s multiple ways that you can pay off debt. One of the most popular way is the debt snowball, which means if you have, if you’re making a budget and your budget is saying, I have $500 to be able to put extra on debt, you are gonna put that on the smallest debt that you have first, which the what, when I say smallest, the smallest balance.

of interest rate.

And so you’re gonna put it on that, and then when that is paid off, you’re gonna take that $500 plus the minimum payment on that debt that you have to pay anyways, and you’re gonna roll it into the next highest one

everything. And that’s typically the most popular way. We also have a tab here for you to see how avalanche would work. So in this case, with their $500 extra, they’ll be able to be outta debt by July.

if they switch it, it’d be by June.

it?

So this is the avalanche method. The avalanche is tackling your highest interest rate first, not your lowest balance. math nerds love this version and we’re for it.

So an example of that would be if you had one debt that was $1,200 balance and another debt was $1,300 balance, but the highest one had a higher. Interest rate, but for the snowball, you’re actually supposed to pay off the $1,200 one first, but, and we would tell our clients, no let’s tackle that 1300, especially if the interest rate is like 20% difference.

Yeah. So that’s what this is showing you.

And there’s one more method that we do, which is the minimum payment. sometimes people will have a random furniture loan or a car payment that if they could tackle that, they’re gonna get like $700 back into their budget.

Even though the balance might, or the interest rate have nothing to do with it. It’s like we wanna get that back so we can start paying off the little stuff. Sometimes, so that’s why we don’t, we’re not cookie cutter. We’re not telling you only debt snowball. You might get a tax return and pivot to do.

Like a big avalanche, kill your biggest and then go back to debt. Snowball. But we have all the tools here. I just wanna show you, we have all the tools free.

Especially if you have a tax return. So if you get like $5,000 back on your tax return and you have a car payment that’s $900 a month and you, let’s say you have $4,000 left to pay on it.

Why? We’ve had some people say why would I pay off the car payment? The interest rate on that is only like 2.9%. Yes, but you would get $900. Back, like Shana said, in your budget every month if you just wipe it out. And so that thought process, we’ve talked to many people, they’re like, I’ve never thought of it like that before.

everyone always talks about minimum payment or balance, interest and interest rate. you really want to look at it and make the best decision for you. ’cause it’s different for everyone.

And that’s why part, partly why this budget’s so cool is it does all the numbers for you.

So you can play around and see what makes the most sense for you without having to do the math or. Self. That’s important. You guys, that’s important. There’s not enough coffee in the world that makes me wanna do that much math. You know what I mean? No. Alright, we’re done with debts. We did a really good job.

Maybe you even pay them and they still go away, which is so fun. Okay, so now we’re onto the Bills column.

So you wanna put everything that you pay every month as a bill and a bill is defined. We define it as something with a due date. Okay, so things that you are getting consistently charged for on a monthly basis.

That is a bill, your mortgage, your utilities, your kids’ tuition, your auto insurance Netflix, gym membership, all of that. Okay?

If you get charged for it, we’re just for simplicity purposes, a bill is anything that has a due date that you’re getting charged for every month. Yep. That makes sense.

Yeah. so part of our system is you’re gonna actually have a separate account where all of your bills and debt payments come out of.

bank account.

Yes. Its own separate bank account. And what happened? This is what I did. Yes. And it’s magical. so we start with the income coming into the bills account, all of your income, direct deposits into the Bills account, right?

And then you set up all of these bills to come out of it automatically. And then you don’t have to worry about your due dates. You don’t have to worry about going in manually and paying, you can just have a bills account, and we’re gonna separate, we’re gonna talk about in a minute, separate your spending and your savings over here so that no matter what happens, your bills will get paid and you can feel really good.

Imagine having an account knowing that your money is coming in and it’s flowing out and what’s staying in there is just to pay bills and doesn’t matter. you no longer have to attach a certain bill to a certain paycheck.

Yeah, which is what we see all the time. Everyone’s this paycheck does A, B, C, and D. Then this paycheck is when I can actually eat and buy food for my family. We’re like no. Imagine just dumping all your money in there Only taking out what you need, for spending and savings and everything else is left in there, and your bills are just being paid automatically and you don’t have to think about it.

That’s the vision.

It’s, it was so powerful because we had everything in one account. It’s super easy to reconcile. It’s super easy to see because it just, it’s the spending that just happens.

And that’s why we’ve decided to, we teach to separate it. Because like you said, you have, dance class coming out and then you have

Chick-fil-A.

McDonald’s and I’m like, you’re like,

who? Who? What have I taught you? Nothing Anyway. Okay. Yeah, we, okay. So you have, and then you have you getting your hair done and then you have your mortgage and then it’s like such a mess.

It is a mess. That’s what you call it. It’s true. So just by separating it, you’ll be able, like you said, I love the Bills account because. You I tell people, you really are gonna have 20 transactions max in this every month. And it’s so easy to understand and make sure everything happened and check it off and reconcile like you said, and it’s really exciting.

Yeah. And the same will be true for your spending as well. Like you’ll very clearly be able to see about your spending. Yeah.

if I get my nails done every two weeks.

Okay.

Yes. I love that for us. We’ll talk about that. so I’ll say our little tagline for this is you’re gonna separate to simplify, and that’s really what it is.

We are separating this account to simplify your life and simplify your transactions to be able to see actually what’s going on. Okay, so we talked about income. We’ve got your debts and your bills, which we know now your debts and your bills are being paid. From that Bills account. So let’s go over to spending.

spending is anything that you are swiping for, you’re paying cash for, right? You’re tapping for like this is where you live. We like to say this is where you live in your budget. This is where you are making all the transactions basically manually. Whether it’s clicking that buy now online or you’re paying in person.

And so we basically have the, what we call the big four. The big four are the main categories of spending your groceries and gas, your personal pocket money. Which we’re gonna, we’re gonna get into restaurant slash entertainment and then your kids, okay? Those are the four main spending categories.

So let’s talk about gas and groceries. We put those in the same account. You have a debit. You’re gonna be, have its own debit its own account, and its own debit card. So you always have money for groceries and gas. It’s really important to carry. You can, you don’t have to live your life riding on that e You, if you still want to, you can, but you’ll always have money to get gas and you don’t have to get made funded of by your husband’s.

I write on e voluntarily.

Yeah I have a partial electric, so it’s like I just drive as far as the electric goes.

yes. I’m not going anywhere else today. I just pride myself, like I’m so adulting in my forties that when my husband gets in my car, there’s gas. I. In it. I know exactly. And I feel like really good about that.

 So anyway, so you have the gas and groceries. We also have restaurants. It’s called restaurants, but you would call it entertainment, family fun. It’s really any maybe we’re going bowling or we’re going out for pizza or whatever.

That’s where that is. And that needs to be separate. It does not come outta your grocery budget. ’cause guess what? It’s not groceries. But we don’t want them to be, we had a client come to us and she’s oh, when I found out how much we were spending on eating out, I wanted to throw up.

’cause they were, it was like $2,000 a month,

so and you make a good point ’cause we always talk about no guilt, just data. if you don’t have the data to be able to look at, then you just you don’t realize it.

The point is to look at it and decide what you’re gonna do about it now.

And that’s what we tell people before they set up their budget. If they’re like, I have no idea what to put in here. We tell them to go back and do a 90 day audit, which is go back and take three months of bank statements in a normal month.

Don’t do that during Christmas. and really look and see what you’re spending your money on so that way you can put a number here, you’re not gonna get it right the first couple months. And that’s okay. What we’re doing is we’re putting something on paper and figuring out like, is this the right number for me?

And eventually in a couple months you’re gonna get it right?

just add no drama. But we want you to have on purpose an amount. If you want $2,000, it’s not

Like I’m only gonna spend $500 on dining out, but every single month go over but still put 500 every month.

change the number. Be realistic. But if you’re like that client, they wanted to go from 2000 to 1000 because they wanted to know that their money was going to something else besides fast or to restaurants, that’s fine too. You have to have money to spend, you’re going to do it anyway, so we’re going to plan for it.

And you make good money. Yeah. Like you are living your life, you’re working hard. You should be able to spend money on yourself because the reality is throughout the month you’re probably going here, going there, hoping the card’s gonna go through because you wanna get something for yourself, but you actually don’t know if you can.

There’s just a lot of that’s happening. And so we wanna, like Shayna said, on purpose, put aside a certain amount of money. For yourself, whether it’s Target runs, Starbucks, that bracelet you’re looking at coffee date with a girlfriend or whatever.

But this is a no judgment account. We want you and your spouse to each have their own separate checking account with your own separate debit card, so that way y’all can spend your money how you want.

Okay.

Because we want you to be able to open your bank app and say, yep, I got money for groceries.

I’ve got money for all the kids activities.

be

separate.

Use

like

groceries, gas, and restaurants.

So we recommend gas and groceries is together.

spend the same amount on gas and groceries every single month.

And in your mind, for the most part, give or take, gas and groceries are a necessity. You have to do that. And they go together. but restaurants is more just discretionary for funsies. And we want you to separate those. I know when we go to restaurant, this is how I’m affording it and I also know I can go to the restaurant and I still have grocery money. It’s not all coming from the same pot.

I love this.

Yeah, I love this.

But so you would you keep track of your debit cards?

Okay. And because remember the Bills account, we’re not keeping that debit card on this. ’cause we’re not spending money outta that. So you are only gonna keep debit cards on you for the accounts that are in the spending section.

So let to recap, ’cause there’s so many of them. But we have the gas and groceries one, that we talked about. We have, like Shana said, the restaurant one, which is like family fun, entertainment,

yeah.

We have your pocket money one, and then the one that we don’t have on here we were talking about is the kids.

So really you’d have four. And the fun thing about it is that banks have different designs you can choose from. Yes. You can label them. So how,

We’re getting those made. But I did wanna deep dive a little bit more into the kids one, because this is one of those things that really breaks people’s budgets because they’ll come, they’ll do this. They know how to write down their bills. They know how to, even if it’s a guess, they know how to guess how much they spend on groceries.

The kids is I didn’t see that coming. So we want you to have a separate item for this so that it doesn’t break your budget. And also, mom, hey, usually it’s your money that this is coming out of, so you, this is why you feel like you never have any money.

So we’re gonna break that cycle and make a kid’s account and section of your budget so that you can plan for it. How you plan for it is up to you. Some of our clients. Easily spend a thousand dollars on their kids a month and they don’t bat an eye. Some of them have a $50 budget per kid each month, and that’s how they want to make it work.

No, I was just gonna say, if you have like we had volleyball, right? And volleyball, yeah. That’s gonna be separate. Yep, that’s, that was like 1400 to $3,000 at a time, but like once a year, that’s a savings bucket.

So we’re gonna get to that savings. Okay. Got it.

We’ll talk about that. When you put things in your monthly budget up here. Those the income, the debts, the bills, spending, like those sections up top, not your savings buckets.

These are all things that are happening in the month. They’re happening all the time, continuously over and over again. So that’s why and we try to dump ’em into categories. Shana said, you have gas and groceries, doesn’t matter if it’s toilet paper or hand soap, you’re buying like, it’s everything you’re gonna buy at the grocery store.

And yes, household. Yeah. It’s just easier pocket money. Love. This is everything for yourself. You wanna throw your nails in there, do that. You wanna put it in a savings bucket? We can talk about that, but we just wanna make it simple. A lot of people will get in their head and they’re like I just don’t know how to categorize this.

But just pick one and stick,

Yeah.

Okay. And so the last part of spending is your stuff that comes up each month. So this is really, for the most part, Carrie, the only thing that’s gonna change month to month once you build this budget.

It’s done except for you have to you’re gonna change your debts ’cause those are gonna go away. And then the little things that come up. So for example mother’s Day would be in May, right? Like Christmas, if you were in whatever.

So you might need to set aside some to take mom to brunch or whatever. So those are the things.

Springtime.

Yeah.

like

Just whatever is this need, you’re gonna plan

So the idea here is that this money and if you look, we have really cute emojis on the side, right? So the top ones that are, they’re little debit cards. Those are showing you that you’re gonna use a debit card to be able to spend that money, right? You’re using a checking account, so you have a debit card to spend that money.

The little cute calendars at the bottom. This is happening. Once a month, it’s one time that you’re gonna grab the stuff and then you’re gonna, you’re gonna pay for it. So this money actually sits in your Bills account until you need it, because we’re not transferring it anywhere because it’s month specific.

So it changes all the time. Shayna said, the top half of this spending stuff that happens systematically. So we’re gonna talk about how we transfer the money into those accounts. Yes. But. The, in the month ones, those happen once a month. So the money is gonna sit in bills, which is great.

’cause people again are like, I’m so nervous about money being in my bills account to make sure I can pay for bills. Yes, you have extra sitting there here because you’re not going to spend any of that until you need it.

so let me just make sure I understood what you’re saying. So mother’s Day, that a hundred dollars we’re putting, that’s sitting in the Bills account.

Because remember that’s where all your money funnels into your income

Okay, I got you.

When you need it, you’ll transfer the money and you have

Okay, let’s go ahead and talk about this. So when we say we want it to be automatic we are, and we have a system. Now you have a budget that tells you every month I need $1,400 for groceries.

This tells me what I’m doing per month. So then we’re gonna set up a paycheck plan, which is going to help you actually do the thing that your budget says So if we’re looking at May and they’re, we’re gonna do every two weeks ’cause they get paid every two week or the first and the 15th, right?

So that’s what this is showing, it’s setting, telling you. So what you’re gonna do, like you did Carrie, is set up your automatic transfers and it tells you right here, if you’re gonna set up on the first, you’re gonna do the eight 50 to your gas and groceries account. You’re gonna do 200 to your pocket money account and you’re gonna do a hundred to restaurants.

And that can be set up automatic. Yes. You set that up to happen. Every bank has. An option for the first and 15th. They have an option for once a month. Actually. They have all of these options you may not know, and so you set those up to go automatic for the rest of your life until you change it.

Yeah, I didn’t know I could open up extra checking accounts,

fees. Yeah. That’s the big thing is like people just don’t realize the benefits that their bank has. They just have to go find them and ask for them.

there’s a lot there. And so just to recap before we move on to savings, what has happened is all of your income came into the bills. It’s sitting there paying bills as it’s needed, and then every first and 15th it’s putting money in all of your spending accounts.

So that you can spend money and you don’t have to do anything. other than these three things are happening automatically. once you set up our system, that’s what’s so good about it.

So that is why. Yes, you’re gonna have $250 pooling in that bills account, but you’re just gonna grab that as you need it and put it in your personal pocket money and you go swipe that. That’s the account that you use for the random or little things that you need to spend money.

makes it, and the reason why we don’t go change the reoccurring transfers every month is because that’s more annoying than just knowing that.

there

that

you know you need to

You can just transfer it over and it’s easy.

And we’re using Debit cards.

you’re too, you make too much money to be relying on debt. You are.

off every month,

you spend more money because you’re using it, the credit. They know that you’re spending more money, you’re putting more on it to get these quote unquote points, which we’ll talk about in a second. That you don’t actually need because you’re actually gonna make more money with the amount of money you have in savings.

But it’s just also, it’s not, you’re not budgeting if you’re using a credit card.

you’re not in control of your money and you’re not being a good steward as much as you could be.

So as much as you may think that you can handle it, and you want the points and all of that, understand this is behavioral science. It’s been, I promise.

when you open your bank app and you have $5,000 in your travel account and $4,000 in your Christmas account, that is gonna be feeling so much better than how, okay. I gotta, I’m gonna use these points, good points. No. That’s a small game. Yeah, you are playing a bigger game, right? Yeah. To win.

Yeah. We like to say that people like when you’re focused on people who this is, this may not sound good, but poor people are focused on their credit score like that. It’s a mentality. It’s like it’s a poor man’s mentality of trying to figure out what my credit score needs to be. It’s a fake number that somebody made up for you to think that it’s important, right?

Yeah. And what we want you to do is focus on how wealthy you are. And by that, like we’re gonna focus on the amount of money you have in the. Bank that, like Shana said, is the long game. That is what, that’s the vision. That’s the goal.

Okay, so the last part of the budget here is savings.

Look how much this budget has already done for you. That’s what I wanna show.

Yeah, between two

people. They don’t have that much debt, which is great. we have their mortgage, their tithing, there’s a lot happening here.

Yeah. And so then they have all of this money. To divvy up with their savings buckets.

just like Carrie’s program really quick, you get lifetime access to it. So you can always come back, love it, look at it, re watch the videos again.

You get the updated template if we ever update it, which we are going to in a little bit ’cause we found some more things, that we wanna change. But you always get that updated version,

Yeah. So savings buckets are at, we’re they’re gonna be separate accounts

Yeah.

That you are saving for something specific. A lot of times people have general savings. They don’t really know what they’re saving for. They don’t know how much they need to save. They just have this feeling that I should probably save. And then they usually, like we talked about before we got on, they steal from it, right?

So what the savings buckets are is all of these big expenses that are gonna come at you. That, are coming And there people usually call ’em unexpected.

Oh, I didn’t realize I was gonna have to, yeah. Get my oil changed. You did. I forgot Christmas. Yeah, December 25th. Or volleyball for the club. Fees for volleyball. Like, all of these things are not necessarily unexpected. It’s just like we’re busy and we don’t plan.

So that’s what we’re gonna do here on purpose.

And I wanna caveat here. Some people really struggle on, do I put this money in a savings bucket or do I pay on debt? there are some times where we make, we’ll make somebody’s budget and they have so much debt that they can’t start these savings buckets yet.

And that’s fine. we want you to see that these are not. Maybe expenses, right? These are all going to happen. You are going to spend this money. So what we wanna show you is that we want to budget ahead of time for it on purpose. Shayna is showing the savings bucket tracker right now, which allows you to plan out your year.

So everything that you don’t spend month Wow. You come in here and you go, okay, I think I spend, $120 on gifts. This is just a small one, but it’s I think I spend this much on gymnastic volleyball, whatever.

amazing.

You get to do, you get to figure out how much you cost in a year, and then you take that monthly budget number, you stick it in your budget, and then you honestly can say that you are budgeting for your life.

Give or take? Yeah. Yeah. Yeah. Give or take. Sometimes if you need it in three months, we have to achieve if taxes are due, we’ll coach you and help you. But you can, you’ll be able to figure it out once you learn more about the system.

But the thing is. These are the things that you normally would put on debt. So we do want to plan for them and put ’em in our budget before we, we pay on debt because we don’t want you to have to revert to using debt. Because you didn’t have the money. So we’re gonna put that money.

So all of those are amazing. The only thing I did wanna say is when you said I get my nails done every two weeks.

Yeah.

That is something that people get like confused about.

It’s six every six weeks or whatever. You take that amount, you divide it you see how many times you go a year. That’s what we wanna do.

that I go every, like seven weeks.

so yeah, the idea here is that you’re taking your hair appointment that you do every seven weeks. You’ll do 52 divided by seven. That’ll tell you go about seven and a half. So let’s just broaden it. You go eight times a year and it costs

And so it costs you eight, a hundred, $800. Then I’m gonna put $800 here.

Yes.

that’s how much I spend in a year, and it will tell me, okay, just set this aside and ’cause what we want is not for you to get to the hair lady and be like, oh gosh I didn’t.

I forgot that I had this huge $300 appointment this month. You’re gonna have money set aside in a glam up fund so that you can always just have it and you just, this is what we’re talking about. We want it to be easy. We want you to know where the money’s coming from

If you look at the savings bucket, you’re saving, this person is saving $2,900 a month in their savings buckets between all of them. You are not going to make more in credit card points than you are in interest when you use a high yield savings account to save all of this money, okay? You wanna continuously put $2,900 every single month that’s making three to four, sometimes 5%, depending on the market, on all your money, every single month, and it’s just compounding as you go.

And, okay, so I have a different account for every one of those.

Just imagine if you know how people used to stuff cash and envelopes and you had all these different envelopes. It’s like that, but digital and it seems overwhelming, but it’s not. Again, when you open your bank app and you’re like, look at all this money I have everywhere, but I also, it just looks like

columns

basically,

right?

it is.

Yeah. Like I open up my bank account, Carrie, and it’s the kids’ education vehicle fund home fund. Because we have the money in there.

Hey, I’m her budget bestie and I know they’re not gonna do it.

It’s fine. I love it. It’s definitely, but in theory, you know what they did? They did get the archway.

Okay. That’s already done. In theory. In theory, she can do it. So I love that because I don’t think people realize when you go online, you can change the name of the account

To the name of that thing. Your bank. The bank is gonna be like, okay, you want. Savings accounts. Yes. I had eight savings accounts. Please.

You went to the bank, Carrie. Do it online if you can.

Nobody will look at you. Nobody judges.

actually listen to what I did. I went to the bank and then this woman was like, oh, we’re so happy to have you as a customer. I now email her and she opens up accounts for me. she’s your concierge service.

She actually delivered all of my debit cards to my house. What? BIP

service?

she’s been amazing.

We are working on building our own, making our own bank, but we just haven’t got that. Okay. So again, the paycheck plan is gonna show you. Okay. So the savings buckets are going to be digital. So what you’re gonna do is say every time that your.

The first and the 15th. ’cause they get paid. You’re gonna pick a pay schedule. It doesn’t really matter.

Yeah.

When you just pick one, like we talk about the categories, just pick it and stick to it. It doesn’t matter. But for them, on the first and 15th, they’re gonna set up all of these transfers automatically.

So every first $340 is going to annual bills and 250 is going to travel. And the 15th, the same thing is happening. So by the end of the month they will have added all of this full amount to those buckets. Automatically.

automatically.

word.

This is so mind blowing because even though like I do this, I’m hearing you say this, and I’m like, nobody does this. Like you guys are teaching something that is so disruptive to like initially and people don’t like new, and I wanna just warn you all, if you are saying to me, I can’t do this, I can’t do this, I can’t do this.

I need you to realize that is a racket and they have been doing this for a very long time and have successfully helped so many families get themselves to a much better place. Take the racket out. They know what I’m talking about and pivot on that and say, what if I actually did do this?

What would this look like? And it could literally change the trajectory of your entire life.

Oh, absolutely. It’s funny, we usually have the husbands that are like. More than one checking account. I’m not really sure I can handle that. And literally they’re the ones that are coming back two or three months later going, this has been the best decision.

I know exactly where my money is going. I know how to spend it, why I am spending it. It’s just so clear. Separate to simplify it. It may seem like a lot of accounts. But you find the right bank that’ll work with you, which we’ve, there’s thousands out there. And it is, like Shannon said, it’s so nice to be able to pull up your phone and see all the money that you have and where it’s going.

spreadsheet that’s like. Saying this one bank account, let’s say this one bank account is $5,000 in it, and you’ve tried to decide how you dogeared it. It’s never gonna work like that. No.

most apps and budgeting systems are actually teaching you how to be an accountant.

What we are teaching you, like we said, the budget’s telling your money where to go. You don’t have to track anything. There’s no need to because you’re already done.

look at your app and you’re like, I don’t have enough money.

You turn around and you go home because you don’t have enough credit cards,

but it’s just the old way is a reactive system.

Yeah. So we there’s a lot of budgeting, quote unquote apps. They’re not actually apps. They’re bookkeeping and accounting apps like Shayna said. What we are teaching you is actually how to budget. We’re putting your money there on purpose. It’s proactive. It’s before any of that.

You don’t have to track anything. Yep. there is no tracking happening here. You can check Mark. That’s all you have to do. It’s like our

nutrition approach. We don’t track it. Nope. We say food freedom. You guys say financial freedom, and freedom doesn’t mean you get to do whatever you want.

Freedom means you live with intention and you don’t break promises to yourself, and you are focused on what really matters for the right reasons.

Yeah. Freedom means that you’re living according to what you want, what you always value, what you all aligned to, not just this reactive.

Way of doing things. Chase. Needs some extra money. our budget has told us, listen, you made a lot of money and you budgeted most of it, but look, you have a little bit left over. What do you wanna do with it? Unfortunately you have debt, so that’s what we’re gonna work on.

But otherwise you would be able to save it or put it, do something fun with it. But here it tells you exactly how much is left over. So we’re gonna go, that’s when we’re coming back and saying, how much am I putting on debt? Remember we said at the beginning, don’t put that yet. Yes. You are only the minimums now.

And they went real hard and heavy on their savings buckets. If you wanna do, yeah, you don’t have to. Be putting 3000 in the savings buckets if you wanna focus on paying off debt first. So anyway, but they’re gonna put $376 extra on debt.

Yeah. And if you notice, we have your payment here.

So when you use Affirm, you have now. I’m entered into a debt agreement. So you put that there and then when you pay it off, now you have an another $250 to be able to

To play

with each month. Yeah. So each time you pay one of these off, they’ll go back into your budget and you’ll be able to pay extra.

But The thing I wanted to show you is. There’s so much, there’s so many bells and whistles on this system, but one of our favorites is let’s say you get a new bill. What is it? What do we get? Spa.

Like a membership?

Like a yoga? Yeah.

a hot yoga. Let’s do hot yoga.

Hot yoga.

Yeah.

Monthly membership. so it’s not in the budget over here, right? No, this is a brand new unchecked, fresh set of downs. Budget for you, right? For June.

Because it’s a new bill and I have to, I always have to pay it. $89 and it comes out on the seventh. It’s automatically in every budget going forward. You don’t have to go change every budget.

I was just wondering,

so you put

it went up into June

July and August.

geniuses. It just makes it easy. It’s one less thing you have to do. Like why would you wanna retype your budget every month?

off, does it take off?

It takes off

just that month. Yep.

But it doesn’t ever change anything going backwards. Okay. That is genius.

So I It is. And look here too. We’re gonna delete these. This is the only thing that we ever have to change in our budget now. Really? Yeah. Because everything else is automatically, or, and then this one might change given on what happens, right?

But everything is, that’s what we’re saying. You sit, you do this one time, you make the plan, you set up the automatic transfers, and you have to spend like 10 minutes budgeting every month after that,

this is insanely amazing. And I am sure that there’s a lot of you watching right now, and then you’re like, okay, but what about this?

But what about this? Because you feel like you have all these nuanced kind of situations and all of that. Yeah. And that is why this is a tool I wanted, this is amazing where they are spending time with you, teaching you this, teaching you their spreadsheet, but also a philosophy and approach that doesn’t exist anywhere.

And their spreadsheet. Will make this absolutely so simple for you. And so you can go and get the spreadsheet. It will literally cost you less than when you run to Target.

Yeah.

It’ll cost you less than what you spend a month on protein powder. It’s so reasonable. I actually think they should charge more for it.

But you need this at the minimum, and you’ll get, I think this month, right? You’re gonna get even a little extra off because of me. Yes. You can go to, what is it, budget besties.com/carrie, is that right? Go there, and if you’re past the end of April, go there anyway because you need this.

And who knows? Maybe there’ll be another little bonus.

Another special bonus.

Inexpensive enough.

Okay. Maybe.

But also I wanna just show this because getting the budget is gonna be fine, but it’s a little bit to me like getting a meal plan. And a meal plan is fine, but it doesn’t get you through the nuances of your life, your lifestyle, what you need. So I wanna play for you a new client that you guys had, who’s one of our clients and coaches at Disruptive Nutrition.

She sent me a message the other day, and I wanna play this because I need everybody to recognize the power of coaching when it comes to your body and your lifestyle. So listen to this.

first coaching call. Vanessa and I just wanted to tell you that she’s amazing and she put me at ease because I was so nervous to do it. I spoke with her last October for the first time, and then I had another call in March and I decided to just bite the bullet and do this coaching because I know coaching works.

So thankful. Guest coaches you bring on because it opens up different avenues for people that may not know to look for something. So thank you so much. I love that because I think that is really speaks to the importance of doing this right. And so I want you, everybody at the very least, should be going and getting the budget, but can they like book a call to be able to talk to you to see what coaching would look like?

How does that work?

Yeah, absolutely. We have a call that you can sit up for three 20 minutes and just, what is coaching? What does it look like? How long is it? Just all the questions. With the system yes, there is so much value in one-on-one coaching, that there are some people that absolutely need that.

That short term investment in themselves. Yeah. With the system you get lifetime access. There are also monthly co, like a group coaching the third Monday of every month to get that. I know. Fine Carrie. Don’t worry girl.

That is crazy. Yes, but so good. And I’m so grateful for that. ’cause you really do live your mission. All right. So if you, they get the system which is literally less than like your trip to Target. Free, they’ll get a free, this whole spreadsheet. This whole system.

You get the whole entire course that comes with it.

And there’s monthly group coaching where you can come ask your questions if you’re with us there. Okay. Some people are like you and they’re diy. They’re like, I get it. I just need to get there faster. Some people are like, look, I know I’m not gonna watch those videos. I know. I’m not gonna actually do it unless somebody’s there with me. Yeah. Telling me what to do. Yeah.

That’s who the coaching’s for. we know that we are like that too. We would’ve rather just pay to have somebody transfer the, brain to brain knowledge and watch videos then your folks would go to budget besties.com/coaching, and that’s where you can book that free call and you’ll talk to Vanessa and she’ll tell you about it and see if it’s a good fit.

Yeah, and it’s really awesome to be able to walk through this journey with somebody. And you get, there are session recaps after each call allows you to not think about what you have to do. We have told you, hey, in between sessions if you do A, B, C, and D, you’re gonna be on track and you’re gonna be crushing it.

And that is what they’re paying for. They’re paying for like the decision anxiety, not having to do that. Somebody else is doing that for them. And it’s a done for you service basically.

There’s no judgment, like the vulnerability of debt and how much you make and all of that. Like these two women couldn’t be more love driven and judgment free.

They’ve seen it all. And the whole reason they’re doing this is because people are struggling and so they know you’re gonna come in struggling, but their goal is to get you to leave empowered. So yeah, just decide which is right for you. If you go, DIY and you needed more support, then great.

Then you can go connect with them later. They’re thorough. I’ve had you guys on a couple of times now because there’s just nobody out there doing what you’re doing as well and as intentional as what you’re doing. So I love your service, and I just need all of you, my members.

I don’t care what your financial situation is, you need this.

I

love you.

Thank you so much Carrie. Thank you for the kind words. We love what we do. It’s been a blessing to be able to help so many people around the world. it’s fun.

So

cool.

Just so grateful for you.

Yeah. We know that your membership is also very grateful for you and you’re living on purpose, and we love you and we’re so grateful. And thanks for sharing your very special people with us, like we know Deal too.

So good. Thank you. Budget besties.com/care to get the system.

Budget besties.com. Slash coaching to get on a call with Vanessa and just talk through things

Yeah. Go make your May budget.

May’s the month for you. May’s the month you’re gonna get it together. Let’s go. Mighty May. Let’s go. Oh, I like that. Thanks ladies.