Feb. 17, 2026

Budget Besties Shana and Vanessa on The Business Spotlight with Dori DeCarlo

Budget Besties Shana and Vanessa on The Business Spotlight with Dori DeCarlo
Budget Besties Shana and Vanessa on The Business Spotlight with Dori DeCarlo
Word of Mom Radio
Budget Besties Shana and Vanessa on The Business Spotlight with Dori DeCarlo

Budget Besties Shana and Vanessa are on a mission to make budgeting doable & uncomplicated for women with full plates and big dreams.

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Season 13The Business Spotlight

Budget Besties founders Shana and Vanessa are best friends, business partners and master financial coaches who love talking about the *B* word. They help women who make good money but have nothing to show for it set up an automatic budget system that fits their real life and their big dreams so they can be bougie on a budget.

Years ago they started teaching Financial Peace University together and realized something fast: everyone acts like budgeting is common knowledge. It’s not. People aren’t bad with money, they were just never taught how to budget. So they turned budgeting into something simple, realistic, and actually doable. No beans and rice. No budget police. No tracking. No judgment. And you can keep your pumpkin spice latte.

Shana and Vanessa are moms and wives just like you, and they’re on a mission to make budgeting doable & uncomplicated for women with full plates and big dreams. They don’t do cookie cutter budgets, instead they offer judgement-free coaching and tailored plans that keep you & your goals front and center.

Join host Dori DeCarlo on The Business Spotlight and connect with Shana and Vanessa at BudgetBesties.com, Tune into their podcast and follow them on Facebook and Instagram.

Be sure to follow us on Facebook, Instagram and BlueSky and click here and come tell us your story!

Please support UnsilencedVoices.org a global 501(c)3 nonprofit that empowers survivors of domestic violence, sexual assault, and human trafficking. We thank Smith Sisters and the Sunday Drivers for our theme song, "She is You".

WordofMomRadio.com - sharing the wisdom of women, in business and in life.

Become a supporter of this podcast: https://www.spreaker.com/podcast/word-of-mom-radio--5252572/support.

WEBVTT

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She is sure, she is true, she is straw is straw,

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She is true, is true, she is praise, pray, she

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is she is you.

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Hello, everyone, welcome to today's Word of Mom Radio. Here

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on the Word of Mom Media Network. I'm your host,

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Dori Di Carlo. And you know we are here week

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after week, show after show breaking those myths that mompreneurs

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and business women, especially those of us building our businesses

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from home, that we're just dabbling in between baked sales

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and getting our nails done. We're not. We are smart,

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we are savvy, and we are sharing the wisdom of

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women in business and in life. And I'm excited about

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bringing two women in to our business spotlight. Shana and

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Vanessa are best friends, business partners, and master financial coaches

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who love talking about the B word. They help women

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who make good money but have nothing to show for

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it set up automatic budget systems that fit their real

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life and their big dreams so they can be bougie

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on a budget. Shana and Vanessa are moms and wives

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just like us, and they are on a mission to

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make budgeting doable and uncomplicated for women with full plates

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and big dreams. They don't do cookar cutter budgets, but

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instead offer judgment free coaching and tailored plans that help

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you and your goals, keeping them front and center. So

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these budget Besties are here to share some great nuggets.

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So with all that being said, ladies, welcome to Word

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of Mom Radio.

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Thank you for having us. We're so excited to be here.

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We are excited to talk about the B word.

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I love the bword. So how did you to decide

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take us on that journey that created Budget Bestie?

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Okay, okay, well, how much time do we have doing

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doing that? We know how much time we have.

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But so when we first started our business back in

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twenty twenty, Snackdown in the Pandemic we started. The first

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way we started to kind of get together was teaching

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Financial Peace University, which maybe you've heard Dave Ramsey's FPU course.

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So we started teaching that and, you know, just to

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kind of get our feet wet and understand.

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The ins and outs of coaching. And when we started doing.

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That, we realized that budgeting was kind of an expectation

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like people, you know, the first day of the course,

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he says, you know, make a budget and then come

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back and you move on to the next subject, and

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we were like, well, hold on, we have to.

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Actually make a budget.

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And so when we had our people do that, we

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would ask them questions about it, and they they did

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not know how to properly make a budget. And that's

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when we realized the expectation was was that they already

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knew how, they've been taught how, and this is something

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that apparently they've been doing for a while. And so

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we realized that we really needed to hone in on

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that and help them because they had no idea how

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to create a proper budget.

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Yeah, so we were going to be financial coaches, which

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we were teaching people how to get a debt, how

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much to save, how to you know, things like that,

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how to talk to your spouse and not fight about money,

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all those kind of things. But it really ended up

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being what people needed the most help with was literally

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learning how to budget because nobody taught them how. No

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one ever taught them how to budget. And then, like

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Vanessa said, you're in adulthood, your your you know, your

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financial situation continues to grow, hopefully and get more a

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little more complex, but you still were never taught how

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to budget. And so you know, as your you know,

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more money, more problems is a saying. But as your

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money grows, you didn't learn anything to how to manage it.

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And so that's where we decided, let's really just focus

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on this. You know, there's people out there that can

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teach you how to invest, that can teach you all

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that kind of stuff. We just want to show people

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how to budget. And the more we did it, the

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more we realized we wanted to make it more simple.

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We wanted you know, there's a lot of shame and

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judgment around this whole topic of money. We wanted to

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try to make it as fun and lighthearted as possible

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as it can be. That's where we come up with

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Boogiana budget. We realized people did not want to live

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on beans and rice. Yeah, they did not want to,

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you know, have to give up their whole life in

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order to get on a budget. And so that's kind

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of where we landed.

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Well, you know, I think the expectation is is when

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you get on a budget, it's the word no, you

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can't do this, you can't do that, you have to

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cut this out, you have to cut that out. And

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then also, oh, well, when you get on a budget,

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you're also going to get out of debt, obviously, because

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that's why you get on a budget, is to get

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out of debt. But you can't do anything else when

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you do that, right, And so what we wanted to

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do and wanted to prove was that we have a

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completely different way that we talk about money. And then

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I wanted to frame making a budget, and we wanted

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to tell you you can have date night and go

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and also pay off debt.

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You can save for yet.

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Wonderful vacation that you and your family want to go

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on and also pay off debt. So I wanted to

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tell you and that whole concept of being boujie on

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a budget, you can do a lot more things and

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some fun things on your budget and also pay off debt.

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Do most people have a problem over spending or is

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it really just being disorganized and not really understanding where

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your money's going.

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Well, if you listen to the women that listen to you,

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what they will say about themselves. I'm sure you find

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this in all kinds of areas of life, but they

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will say mean things about themselves. I'm not good at math,

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I'm bad with money. I you know, I'm overspending all

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the time and what we actually find is that it's

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not like you said, it's not an overspending problem. It's

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a disorganization problem. When you think about how simple things

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were a generation ago when it comes to money, and

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now how many more bills you have, how many more

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comings and goings of income and ways that they can

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take your money out of your account. You know, there's

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so much more complication now. So we want to make

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it easier to be organized. That's that's kind of where

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we come in. We want you to have a simple budget,

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which we can talk about very simple, very very simple.

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And then we like to help you separate your money

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into different accounts using your bank, because your bank has

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lots of tools that you can use to make budgeting,

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making managing your money seeing your money so much easier

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and automatic and clear.

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Right.

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And so we kind of say, you know, if you

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can take that old idea of a cash envelope system

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and you know, we try to make it modern so

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that it is organized better well.

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And this idea of having its separate allows you to

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not have to track every expense. And so that's what

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we also saw was, well, I obviously have to track

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everything I do throughout the month, and we're like, well,

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I don't do that. We haven't done that, and that

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is not what budgeting is. But that is the expectation

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because there's a lot of budgeting apps, and there's a

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lot of apps that we looked up that we were

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going to try to use as our own before we

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created our own, but they're basically all tracking apps. And

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so this idea of separating your money doesn't require you

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to do that, which is also really freeing with our clients.

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So how do you set this up? Walk me through,

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I'm coming to you here.

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You go.

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Well, we so we say Dori that you can make

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your bank be your personal assistant, and so we you know,

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we have a very simple budget. We tried to make

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it a simple and match like you do with your hands,

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with the categories on our budget. And then what we

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want to do is, for example, you have a separate

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checking account for your bills, you have a separate checking

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account for spending. You have separate savings accounts on purpose

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rather than this one conglomerate savings account that nobody knows

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what's really for. But I'm technically saving money, but then

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I borrow it. So we just want you to separate

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it all and all of those separate accounts will be

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like the cash envelope sort of digital version where you

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have a different account for each one each category, which

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Life Vanessa said, means you don't have to track, you're

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just keeping up with that mini budget in each account.

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Yeah, and the last thing that we would have you

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do is automate, so we Shanna said, simplify, which is

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creating that very simple five column budget that we talk

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that we designed. And then it's separate everything right from

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your your spending to your savings. And then the last

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thing we want you to do is, like Shanna said,

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use your bank app as your personal assistant and automate everything.

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Set it up automatically, because we know that you're busy.

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We're busy.

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Nobody has time to go in there and manually separate, organize,

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and manually transfer anything.

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So we want you to do is make this.

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As less complicated and as less the least amount of

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friction as possible and set everything up with automatic transfers.

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I'm laughing inside because my daughter did this for herself.

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Now catches in my throat because she's thirty three. When

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she was twenty, she had this was her apartment account.

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This was her car account, this is her travel, this

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is school, and she had her me account that she

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would replenish. And those were the things that she just

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wanted to do special for her and now opened up

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her own business. But it's amazing. She was just somebody

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naturally that compartmentalized things like that. So she knew that

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she had the accounts to draw from because this was

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for this and that was for that, and how to

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replenish them. I think that that's an awesome way.

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Yeah, she's like that one percent that we talk about, right, Yeah, well.

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I think that because she's young, she you know, you can,

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you can start to use some of these tools. But

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you know, a lot of people don't know that your

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bank has these tools. A lot of people don't realize

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you can have more than one bank account when more

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than one saving is more than one checking. And then

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they certainly don't realize that your bank can do the

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transfers reoccurring automatically. But to me, what I think is,

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you know, everything is so much more cluttered now than

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it used to be. You know, whether it's physical or

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it's online, it's your bank, it's your money. Everything is

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more is more cluttered. And so we're naturally going to

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want to find a way, which is what she did

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to make this organized and to make it make sense, because,

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as we said, there's so there's so much more going

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on with your money now than there was a generation

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to go that wasn't in need necessarily. But now your

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bank has these tools. Why not? It's like, why wouldn't

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I not use the tools on my phone? Like they're

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all there, I'm going to use them the same for

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your bank. But people are just kind of stuck in

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these old ways, like let me use this. Listen, we

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had it. We had somebody call on our Facebook recently

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that they make their children do a bank a check register,

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and I was like, please don't do that. Burn the

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check register. We don't need the check register anymore. We

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don't need it anymore. We're in twenty twenty five and

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okay or twenty twenty six.

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Well, and I think that just goes back to we

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don't just talk about using a budget that's words and

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numbers on paper. Okay, anyone can make a budget, but

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then what do you do with it? So we've actually

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come up with just an entire budget system, which is

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what we think you need.

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You don't need another budget.

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There's plenty out there that you can go fill out

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that's not working for you. What you need is a

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budget system, which is what we talk about, which is

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to simplify, to separate, and automate. That is what's going

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to help you be successful and going to properly help

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you manage your money throughout the month.

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It's interesting to me to think of it as a system.

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So step by step, how do you set this up?

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Right?

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So the first the first thing to do, like Vanessa said,

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words and numbers on paper. When so we, like we said,

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we started coaching one on one people right, teaching them

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how to budget. So we went out and looked for

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a budget that we could use with our clients. And

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they were all awful dory. They were all were tracking budgets.

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They were all ugly. They I mean and I am

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saying they were ugly. They were ugly. They had boy

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words like fixed and variable and like, nobody needs to

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nobody needs to use those words. They're just somebody come

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up with them one time. So we said, hey, personal,

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and we do business too, but personal, what does your

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money actually do? What do you need to do each

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month with your money? While you have your income. You

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have money that you get paid. Yay, that's fun. Then

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you have your debts, which we do like to list separately.

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You have bills. Everybody knows what a bill is. What

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is an expense? Nobody really knows what it expenses. It

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sounds like a good word. But but but a great area. Yeah,

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it's a great area. We know what bills are. Like,

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there's no that's anything with the do day right. And

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then we were you know, we actually separate your budget

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out to what you spend your money on and the

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things that you need to save your money, and that

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really those two are the game changers. There's no needs

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and wants fifty thirty twenty like some cookie cutter system.

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When I'm spending my money, that's that's very specific. Groceries, gas, restaurants,

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you know, her me account right, when I'm saving my money,

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it's very specific. That apartment count, maybe it's a new car,

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whatever those are. Those are all very specific tasks or

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things that we're doing with our money. And we wanted

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our budget to reflect what we actually do with our

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hands and that so that's the step one is to

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see what all of those things.

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Are interesting to me? It really is, because, as you said,

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with all of the systems that are out there all

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and it doesn't have to be that complicated, it really doesn't.

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How come people naturally make those budgets and they fail.

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Well, I think it's one of those things, like we

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equate it to people when they try to lose weight, Right,

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So when they try to lose weight or get healthy,

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let me say, they are like, I have to count

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my macros, and I have to walk, and I have

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to go to the gym, and I have to watch this,

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and I have to drink water and I have to

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there's all these things that they're quote unquote they have

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to do in order in order to be successful. And

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we've had people come to us when we try to

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make their budget and they're like, but I did all

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of this, so clearly I'm doing a good job. And

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it was just all nonsense stuff that they were told

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that they should do or they have to do in

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order to be successful with their money. And when we

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simplify it and we tell them, so, this is really

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all you have to focus on. Oh, and by the way,

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we can automate this so it's ninety percent hands off,

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then it's like, oh, but I think in our mind,

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in order for us to be successful, we think that

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it has to be more complicated.

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But it's not.

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And I will say the question is a little stacked

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because we did a national research study and we would

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have asked the same question, why do most budgets fail?

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The truth is most people don't have a budget. Like

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that's actually what we found. It's not like people are

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trying to budget and failing. They're just not budgeting. They're

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just and we get it, like, again, you're busy. There's

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a lot going on. You know, you have a thousand

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transactions in one account. You're trying to be like, Okay,

305
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I paid the mortgage, but I also have to go

306
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grocery shopping. But did the utilities bill go through? And

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also I got the property taxes, like whatever. It's so

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much going on, and that like makes people avoid it.

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They avoid it, and so that's why we're saying, if

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we can separate it, keep all your bills over here.

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You know they're always funded, You've always got money for them.

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That's good. And then I separate it. I have a

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separate account for my gas and groceries, or I have

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a separate account for my restaurants. I just have money

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that goes in there. Like Vanessa said, it's automated, and

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every two weeks or so, what I get it replenished,

317
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and all I just have to like think about that. Hey,

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when I'm at the restaurant, I just can spend this

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much money. I already have it. It's already decided. I

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know if I have this money, and everything else that

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I plan in my budget, including you know, like your

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daughter's apartment fund, everything else is covered and I just

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have to stick to this budget and that's all I

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have to do. That takes down the decision fatigue, that

325
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takes down any like stress or any like math and

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public things that I have to do. And if I

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can do that, then I might I actually will stick

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to the budget. And we find people will naturally spend

329
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less because they know what their money is doing. They

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know that it's aligned to their goals.

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When you break it up into those separate categories like that,

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like the gas and groceries and the MIFA and the restaurant,

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it makes little mini budgets for each of those categories.

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And that's all you have to do is worry about

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the amount of money that's in that account. You're not

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going to overdraft because it's an account where you're using

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a debit card versus a checking account, so it holds

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you accountable. You have versus a credit card I'm sorry,

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versus a credit card yet, but it holds you accountable,

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and you have some type of guardrails. I mean, you

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go ask any wealthy person how they got there. They're

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not going to say it happened on accent. I'm not

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really sure.

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I think I don't know.

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I don't know.

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I'm not sure what I did.

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No, it was strategically planned, and so we have to

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have We're not telling you to put one hundred dollars

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in you know, your me fund a month. No, if

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your budget allows you to have five hundred dollars for

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you and your spouse spouse each month to go have

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fun on do that. But every single one of our

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budgets is very specific to our clients based on what

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their budget allows, because we don't do cookie cutter, okay,

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we do what can you do?

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What brings you joy? What are you excited about?

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And then also like the spending category is over here,

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and then what are you saving for? What are those

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big goals and things that you want to achieve that

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you can be saving ahead of time for in your budget.

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Well, I was just gonna yeah, I was going to

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add on if a budget does fail, what we hear

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is it's unexpected expenses. But we can plan for that.

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So when we want you to budget, a lot of

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people are budgeting me. If they are, which they're not,

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we found, but if they are, they're budgeting by paycheck.

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We want them to budget looking at what their money

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can do in a month, But when we are also

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planning that month, we're also seeing what their money needs

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to do in a year. Because a lot of these

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quote unquote unexpected expenses are expected. Christmas every year, your

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anniversary every year, your property taxes, the tuition for college,

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like all of those things are expected. Your oil changes,

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pet annual visits. Do you know they're coming, but like

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maybe you kind of forgot. But we can look at

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those and we can take a you know, one thousand

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dollars tires that you have to get. We can take

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that and break it down into a smaller amount that

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we can budget for each month, so it's not so

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shocking in the month, and that those shocking unexpected moments

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are what make people feel like they're failing at budgeting.

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So we try to plan for all of those things

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in our budget system as well.

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Yeah, imagine taking like a half hour to an hour

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max and taking a bird's eye view and say, okay,

386
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what is twenty twenty six going to cost me? We

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are the big things that I'm going to spend on

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this month that are not monthly, that are randomly auto insurance,

389
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HA does, tires, like all that stuff, my kids is travel, sports,

390
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all that. And then you say, okay, if this is

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what it's going to cost me, I'm going to break

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it down monthly and say if this is what I

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need for the year, I'm going to divide it by

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twelve and put it in my budget a month. Then

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you know you're always going to have the money to

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be able to fund everything that you want to do

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this year, and that is our goal for you.

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That note, let's take a quick break, say thank you

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00:17:20.799 --> 00:17:24.759
to our supporters, and we'll be back here in just

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00:17:24.799 --> 00:17:27.039
a moment. On Word of Mom Radium, she.

401
00:17:27.240 --> 00:17:31.319
Is brave, she is bold, she is you, and we

402
00:17:31.400 --> 00:17:34.720
want to tell your story. Are you ready to share

403
00:17:34.960 --> 00:17:38.279
your journey with us? On Word of Mom Radio, Go

404
00:17:38.359 --> 00:17:42.839
to wordofmomradio dot com and register as a guest. We

405
00:17:42.880 --> 00:17:46.119
want to tell your story, because when you win, we

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00:17:46.319 --> 00:17:46.839
all win.

407
00:17:47.119 --> 00:17:53.160
In twenty seventeen, Unsilenced Voices was formed to help survivors

408
00:17:53.200 --> 00:17:58.599
of domestic abuse and gender based violence worldwide. The organization

409
00:17:58.920 --> 00:18:04.559
currently serves Siri Leone, Rwanda, Ghana, and the USA. In

410
00:18:04.599 --> 00:18:09.240
twenty twenty two, Unsilenced Voices gifted over thirty three thousand

411
00:18:09.279 --> 00:18:13.160
dollars to survivors in the USA and in Siri Leone,

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00:18:13.200 --> 00:18:16.400
there are over twenty six young girls who have been

413
00:18:16.519 --> 00:18:21.000
rescued from sex trafficking and domestic abuse and now going

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00:18:21.000 --> 00:18:24.799
through vocational training school in order to better their lives.

415
00:18:25.119 --> 00:18:29.400
We need your help. Donations are critical in order for

416
00:18:29.519 --> 00:18:33.559
us to continue our work. We also need volunteers to

417
00:18:33.680 --> 00:18:39.960
help with research and development. Please visit Unsilenced Voices dot

418
00:18:40.079 --> 00:18:41.680
org for more information.

419
00:18:42.039 --> 00:18:44.640
And we're back here on Word of Mom Radio. We

420
00:18:44.720 --> 00:18:49.799
are talking with budget besties Shana and Vanessa. I really,

421
00:18:49.920 --> 00:18:53.759
you know, it's amazing because I like the idea of

422
00:18:53.839 --> 00:18:57.559
planning for the unexpected. I remember when my son first

423
00:18:57.559 --> 00:19:00.799
got his car. His first car was an Audi, and

424
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a friend of ours said to him, do yourself a

425
00:19:03.680 --> 00:19:07.799
favor and start throwing a hundred and fifty bucks every

426
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month in that car account, because when something happens to

427
00:19:12.200 --> 00:19:14.559
that audi, it's not going to be cheap.

428
00:19:16.559 --> 00:19:18.960
You had a good friend, yes, And I was thinking

429
00:19:19.000 --> 00:19:21.000
when you said that, that's what my husband would have

430
00:19:21.039 --> 00:19:23.240
said to like, there are cars that are cheap to repair,

431
00:19:23.279 --> 00:19:26.000
and there are cars that are not. But that's you

432
00:19:26.079 --> 00:19:28.279
guys are doing well, Like everybody just go hang out

433
00:19:28.319 --> 00:19:30.359
with Dory for all all the fight, like her daughter

434
00:19:30.400 --> 00:19:32.039
can help you the friends.

435
00:19:32.079 --> 00:19:34.759
Like that was not for me, I know, but it's

436
00:19:35.039 --> 00:19:36.119
it's such great advice.

437
00:19:37.160 --> 00:19:40.200
It's such great advice. And so there's like there are

438
00:19:40.359 --> 00:19:42.640
degrees to this when we're talking about planning for quote

439
00:19:42.680 --> 00:19:45.920
unquote unexpected, like you said, putting some money into an

440
00:19:45.920 --> 00:19:50.000
emergency fund for something that you don't know, versus I

441
00:19:50.039 --> 00:19:52.480
know we're gonna need tires every two years, or I mean,

442
00:19:52.519 --> 00:19:55.079
you know who knows that's different for every person, or

443
00:19:55.359 --> 00:19:59.880
we know that the annual car registration or property right,

444
00:20:00.279 --> 00:20:01.839
it's like we know what those things are. I can

445
00:20:01.880 --> 00:20:03.799
plan for those and I don't have to be so

446
00:20:03.920 --> 00:20:05.359
shocked in the moment and it doesn't have to do

447
00:20:05.440 --> 00:20:07.759
rail my budget. But then I can also, like you said,

448
00:20:08.000 --> 00:20:10.799
I know this car is getting a little sum some

449
00:20:11.039 --> 00:20:12.960
kind of way, I might start putting a little extra

450
00:20:13.000 --> 00:20:15.160
money in there for repairs because I know it's getting

451
00:20:15.200 --> 00:20:18.079
older or or whatever. Those are all things that you

452
00:20:18.079 --> 00:20:19.559
can plan for. And it really does give you a

453
00:20:19.599 --> 00:20:21.759
lot more peace of mind. And it does, like we said,

454
00:20:21.799 --> 00:20:24.440
doesn't derail your budget, which makes you want to give up.

455
00:20:24.519 --> 00:20:28.960
Yeah, out of couples get on the same page with this,

456
00:20:29.559 --> 00:20:33.240
especially when you've got kids and not have that now

457
00:20:33.359 --> 00:20:34.559
power struggle going on.

458
00:20:35.799 --> 00:20:38.559
Yeah, so you know you want to be a team.

459
00:20:38.880 --> 00:20:41.559
So this is where when you are married, and even

460
00:20:41.599 --> 00:20:43.839
if you have an accountability punter or whatever that looks like.

461
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For you, you.

462
00:20:44.920 --> 00:20:47.759
Really need to be on the same team and talk

463
00:20:47.799 --> 00:20:50.279
about your finances. A lot of times it's not talked about.

464
00:20:50.279 --> 00:20:53.359
Maybe there's one spouse that's the financial guru right there,

465
00:20:53.359 --> 00:20:56.400
the nerd and the relationship, and so they're the ones

466
00:20:56.480 --> 00:20:59.039
doing the budget, taking care of everything and just maybe

467
00:20:59.039 --> 00:21:01.880
telling the other person what's going on. That ends up

468
00:21:01.880 --> 00:21:04.440
being a child parent relationship in the long run, that

469
00:21:04.480 --> 00:21:07.640
doesn't that's not healthy, right, So we really want both

470
00:21:07.680 --> 00:21:09.960
of them to come together at least once a month,

471
00:21:10.039 --> 00:21:12.519
talk about their goals, talk about what their money is doing,

472
00:21:12.880 --> 00:21:15.559
and make decisions together that one person can still be

473
00:21:15.559 --> 00:21:17.880
the nerd and they can handle the finances, but the

474
00:21:17.920 --> 00:21:20.119
other person really needs to come in and give their input.

475
00:21:20.440 --> 00:21:22.680
I agree with you on that. How do you set

476
00:21:22.839 --> 00:21:27.319
up just that we're the clear lanes that get everything going,

477
00:21:27.480 --> 00:21:30.119
especially when you're married. You know, when you're by yourself,

478
00:21:30.119 --> 00:21:35.319
it's a lot easier to be in control. Again, I mean,

479
00:21:35.359 --> 00:21:38.960
I understand going back and forth, but it is really

480
00:21:39.039 --> 00:21:40.920
setting up those lanes.

481
00:21:41.799 --> 00:21:44.160
Well, it depends on what you mean by lanes. So

482
00:21:44.279 --> 00:21:47.079
I really and truly what Vanessa said is what we believe.

483
00:21:47.079 --> 00:21:50.279
We want you guys to start. We call it dream again.

484
00:21:50.759 --> 00:21:53.559
Usually what happens in a marriage is, you know, life

485
00:21:53.640 --> 00:21:57.839
has come very very fast and very busily and very furious, right,

486
00:21:58.359 --> 00:22:01.000
and we want you to go back to when you

487
00:22:01.039 --> 00:22:04.240
were dreaming about what could be, what we what we want.

488
00:22:04.319 --> 00:22:06.319
Maybe you're thinking about the kids are going to graduate,

489
00:22:06.359 --> 00:22:08.440
what are we going to do after after that? With

490
00:22:08.519 --> 00:22:11.680
our lives. I just heard that my friends are going

491
00:22:11.720 --> 00:22:13.440
to go live in Italy six months out of the year.

492
00:22:13.480 --> 00:22:16.960
Whatever you need to start from a dream perspective, so

493
00:22:17.000 --> 00:22:18.559
that you have a reason to want to do this

494
00:22:18.599 --> 00:22:22.200
conversation right, and then also just understanding another conversation would

495
00:22:22.240 --> 00:22:25.240
be interesting to have as each person comes into the

496
00:22:25.359 --> 00:22:29.039
relationship with their own money baggage, what regardless you know

497
00:22:28.759 --> 00:22:32.079
of what your background is. Sometimes we have people that

498
00:22:32.440 --> 00:22:33.960
you know, didn't have a lot of money and so

499
00:22:34.000 --> 00:22:36.119
they spend a lot or they we have people that

500
00:22:36.359 --> 00:22:37.680
had a lot of money and they spend a lot

501
00:22:37.759 --> 00:22:40.279
or whatever. It doesn't it's just you. Really is great

502
00:22:40.319 --> 00:22:43.400
to have that conversation and see where you're both coming from.

503
00:22:43.680 --> 00:22:45.960
But what we want is for you to put it

504
00:22:46.000 --> 00:22:49.000
all on one page together and make decisions together. There's

505
00:22:49.039 --> 00:22:52.960
not lanes. If you each have your own spending accounts, right,

506
00:22:53.839 --> 00:22:57.119
go crazy over there. You have a good time, no judgment.

507
00:22:57.160 --> 00:22:59.440
You have your own spending accounts. We're watching and monitoring

508
00:22:59.480 --> 00:23:01.160
the bills because that's that's both of.

509
00:23:01.160 --> 00:23:01.880
Us really important.

510
00:23:01.920 --> 00:23:04.359
It's just a separate account and there's no like, there's

511
00:23:04.359 --> 00:23:06.920
no tension there, right, and then you do want to

512
00:23:06.920 --> 00:23:09.400
make decisions. I love Vanessa. Hopefully she'll give her example

513
00:23:09.720 --> 00:23:12.119
about you know, if we have we're saving for certain things,

514
00:23:12.160 --> 00:23:16.440
how do we decide who gets what or whatever, and

515
00:23:16.480 --> 00:23:17.640
so you want to you want to come up with

516
00:23:17.640 --> 00:23:19.759
those savings buckets. But you have that fun example about

517
00:23:19.799 --> 00:23:21.720
your home account that you guys do, which is a

518
00:23:21.759 --> 00:23:22.960
great it's a great example.

519
00:23:23.039 --> 00:23:23.240
Yeah.

520
00:23:23.279 --> 00:23:25.079
So my husband and I have you know, we we

521
00:23:25.160 --> 00:23:27.119
love to fix up the house and do different things

522
00:23:27.160 --> 00:23:29.920
that we have a wants and needs. So we each

523
00:23:29.960 --> 00:23:31.359
get our wants and needs and then we just kind

524
00:23:31.359 --> 00:23:33.240
of go back and forth on different things that we want.

525
00:23:33.319 --> 00:23:35.599
But you know, I think it's just about, like Shanna said,

526
00:23:36.200 --> 00:23:37.799
you want to make sure that when you're making these

527
00:23:37.839 --> 00:23:40.680
decisions that you're you're figuring out are these matching what

528
00:23:41.079 --> 00:23:43.720
we want in life? Like are we excited about where

529
00:23:43.720 --> 00:23:45.759
our money is? Where money is taking us?

530
00:23:45.839 --> 00:23:46.000
Right?

531
00:23:46.039 --> 00:23:48.079
And so as long as you're doing that, and you

532
00:23:48.359 --> 00:23:49.880
mentioned about the kids, how do you bring in the

533
00:23:49.920 --> 00:23:51.240
kids in the on the conversation?

534
00:23:51.400 --> 00:23:52.599
That's really important as.

535
00:23:52.480 --> 00:23:55.440
Well, because if you do have kids, how about you

536
00:23:55.480 --> 00:23:57.599
take some of the decisions off of your shoulders and

537
00:23:57.640 --> 00:24:00.839
put them on your kids, meaning put a line item

538
00:24:00.880 --> 00:24:04.240
in your budget that says kids or has their names individually,

539
00:24:04.279 --> 00:24:06.720
and say, hey, you get fifty bucks this month to

540
00:24:06.759 --> 00:24:09.519
spend that's your budget. You get to decide how you

541
00:24:09.559 --> 00:24:12.039
want to spend that So whether it's friends presence for

542
00:24:12.079 --> 00:24:14.960
their birthdays, it's a skating party, it's a mall trip

543
00:24:15.079 --> 00:24:17.880
or whatever that looks like, it's movies, you no longer

544
00:24:17.920 --> 00:24:20.359
have to decide how their money gets spent that month, right,

545
00:24:20.440 --> 00:24:24.359
So we want you to have these conversations, very healthy conversations,

546
00:24:24.400 --> 00:24:26.920
not with your spouse and with your kids, and you

547
00:24:27.000 --> 00:24:28.240
never want to say things.

548
00:24:28.039 --> 00:24:30.519
Like we can't or we have no money, we can't

549
00:24:30.559 --> 00:24:31.039
afford this.

550
00:24:31.480 --> 00:24:34.160
It's all like, this is what we've decided to do

551
00:24:34.240 --> 00:24:36.519
together because this is what's going to help us reach

552
00:24:36.599 --> 00:24:37.200
our goals.

553
00:24:37.799 --> 00:24:41.799
So how can you be bougie on a budget in

554
00:24:41.839 --> 00:24:42.839
real life?

555
00:24:43.319 --> 00:24:47.799
Wow? We love this. We we've realized. So we've been

556
00:24:47.960 --> 00:24:51.359
friends since our boys before and they're seventeen now we

557
00:24:51.480 --> 00:24:54.960
are Bougie has grown, Okay, we're it's evolved. It's evolved.

558
00:24:55.000 --> 00:24:57.119
We were not like I don't even know if if

559
00:24:57.200 --> 00:24:59.279
what we would have called like suntan lotion is the

560
00:24:59.279 --> 00:25:01.079
girl like expensive that was really boogy for us when

561
00:25:01.079 --> 00:25:04.759
we first started. But the good santinlussion. You know now

562
00:25:04.880 --> 00:25:07.039
what we know it means something different for everybody. Being

563
00:25:07.079 --> 00:25:10.160
Bougiana budget, and what we want you to do is again,

564
00:25:10.240 --> 00:25:12.000
get it all on paper and see what what is

565
00:25:12.000 --> 00:25:15.240
that for you is if it's traveling. I had a

566
00:25:15.240 --> 00:25:17.400
client she started with us, and she said, look, I'm

567
00:25:17.440 --> 00:25:19.680
willing to do this, but I'm not giving up going

568
00:25:19.720 --> 00:25:21.799
out to restaurants and I'm not giving up travel. And

569
00:25:21.799 --> 00:25:24.480
I was like, okay, I've done it. So we put

570
00:25:24.480 --> 00:25:26.920
a restaurant line item in her account in her budget

571
00:25:27.000 --> 00:25:30.079
and that as long as well as travel, and you know,

572
00:25:30.160 --> 00:25:32.240
she had weddings, her kids were getting married, that was

573
00:25:32.279 --> 00:25:33.880
the age that she was in, and we made sure

574
00:25:33.920 --> 00:25:36.960
that that was funded healthily both of them each month,

575
00:25:37.000 --> 00:25:39.319
and then everything else went to her other goals, you know,

576
00:25:39.359 --> 00:25:42.240
paying off debt or or saving you know, an emergency

577
00:25:42.240 --> 00:25:44.519
fund or whatever it is. But you just have to

578
00:25:44.519 --> 00:25:46.559
pick what that means to you and then you put

579
00:25:46.559 --> 00:25:47.160
it in the budget.

580
00:25:47.240 --> 00:25:49.160
Yeah, sometimes people will come to us and say, hey,

581
00:25:49.160 --> 00:25:50.799
what is the first thing you recommend people cut out

582
00:25:50.799 --> 00:25:52.720
of their budget, And we're like, that's not how we operate.

583
00:25:53.200 --> 00:25:54.839
We want your budget to be.

584
00:25:54.839 --> 00:25:58.240
Exciting and something that that brings you joy. If so,

585
00:25:58.279 --> 00:26:02.880
if you have twenty subscriptions online subscriptions that you're not using,

586
00:26:03.039 --> 00:26:05.319
but you also want to take a trip to Europe

587
00:26:06.519 --> 00:26:09.000
that you need to say for well, something's got to give, right,

588
00:26:09.079 --> 00:26:11.839
So you probably need to only bring your budget down

589
00:26:11.880 --> 00:26:14.160
to the one or two subscriptions that you actually use

590
00:26:14.279 --> 00:26:16.720
and cut out the things that aren't bringing you joy,

591
00:26:16.759 --> 00:26:19.240
that we're not being useful, and then fund the thing

592
00:26:19.319 --> 00:26:21.240
that you actually want to do. So that's really what

593
00:26:21.279 --> 00:26:23.599
it's about being bougie, and a budget means we want

594
00:26:23.599 --> 00:26:25.599
you to fund the things that bring you joy, fund

595
00:26:25.599 --> 00:26:28.119
the things that you want in life, and then get

596
00:26:28.200 --> 00:26:28.839
rid of the rest.

597
00:26:29.200 --> 00:26:32.160
What a great way to kind of wind down this

598
00:26:32.279 --> 00:26:36.000
conversation as we're wrapping up, ladies, what would you like

599
00:26:36.039 --> 00:26:38.960
to leave our audience with and how may they reach

600
00:26:39.000 --> 00:26:39.440
out to you?

601
00:26:39.799 --> 00:26:42.000
Well, we would love to have them join us on

602
00:26:42.039 --> 00:26:44.720
our podcast. We have a podcast called Financial Coaching for Women,

603
00:26:45.200 --> 00:26:47.400
and we think that that would be a great way

604
00:26:47.400 --> 00:26:49.559
for them to socide if they think we're crazy or

605
00:26:49.799 --> 00:26:53.240
they like what we're we're what we're saying, and you know,

606
00:26:53.799 --> 00:26:55.559
I'm not sure about what to leave them with other

607
00:26:55.599 --> 00:26:58.200
than you know, budgeting doesn't have to be restrictive. It

608
00:26:58.240 --> 00:27:00.920
can actually give you the permission and freedom to spend

609
00:27:01.200 --> 00:27:04.079
and make you feel so much better and clear with

610
00:27:04.119 --> 00:27:04.519
your money.

611
00:27:04.599 --> 00:27:07.960
Yeah, we have an awesome on demand boot camp that

612
00:27:07.960 --> 00:27:10.640
they're welcome, welcome to watch if they go to budget

613
00:27:10.640 --> 00:27:13.799
Bessies dot com Forward Slash Start, they can watch that

614
00:27:14.000 --> 00:27:16.799
and just kind of help them have a better understanding

615
00:27:16.799 --> 00:27:18.160
of kind of what we do and why we do

616
00:27:18.200 --> 00:27:20.400
it and how how to implement it in their life.

617
00:27:20.279 --> 00:27:23.279
Which is perfect for them. The summer year, like right

618
00:27:23.319 --> 00:27:26.000
now is a great time to get started, and you

619
00:27:26.000 --> 00:27:27.599
know you have your whole year ahead of you, like

620
00:27:28.000 --> 00:27:30.920
you can get it all together, get start saving for

621
00:27:30.960 --> 00:27:32.279
some of these big fun things that you want to

622
00:27:32.279 --> 00:27:32.920
do in your life.

623
00:27:33.079 --> 00:27:36.039
I really am so grateful that you both took the

624
00:27:36.119 --> 00:27:38.599
time to come and share today. I love sharing fellow

625
00:27:38.640 --> 00:27:43.839
podcasters as well, so I really do. All of Vanessa

626
00:27:44.000 --> 00:27:47.519
and Shanna's links are going to be live on wardomomradio

627
00:27:47.599 --> 00:27:50.839
dot com. I encourage you to reach out to them

628
00:27:51.640 --> 00:27:58.519
and start twenty twenty six in place with everything. So, ladies,

629
00:27:58.519 --> 00:27:59.960
thank you very much, Thank.

630
00:27:59.759 --> 00:28:00.799
You so so much for having us.

631
00:28:00.880 --> 00:28:02.279
Yeah, this is a lot of fun. Thank you so much.

632
00:28:02.319 --> 00:28:05.759
Tory my absolute pleasure, and for all of you tuning in,

633
00:28:06.160 --> 00:28:08.640
thanks so much for being here We're gonna close out

634
00:28:09.039 --> 00:28:12.680
with our fabulous theme song from Smith's Sisters and the

635
00:28:12.720 --> 00:28:15.799
Sunday Drivers. So till next time. This is Dory Di

636
00:28:15.920 --> 00:28:19.640
Carlo saying, go out and create a marvelous you. Bye

637
00:28:19.680 --> 00:28:20.079
for now.

638
00:28:23.160 --> 00:28:25.720
She is sure, she is sure, she is strong, she

639
00:28:25.799 --> 00:28:27.920
is strong, she is true, she is true.

640
00:28:29.480 --> 00:28:32.640
She is Braise Bray, she is boul, she is she

641
00:28:33.039 --> 00:28:34.839
is you, she is you, she is you.

642
00:28:35.079 --> 00:28:38.240
She she is sure, she is sure, she is strong,

643
00:28:38.319 --> 00:28:40.599
she is strong, she is true, she is true.

644
00:28:42.200 --> 00:28:45.400
She is Braise Bray, she is boul, she is she

645
00:28:45.759 --> 00:28:47.519
is you. She is you, she is you.

646
00:28:47.799 --> 00:28:51.119
She is sure of herself. Yes, she takes care of

647
00:28:51.160 --> 00:28:54.319
his powerful and strong. Yes, she knows who.

648
00:28:54.119 --> 00:28:58.480
She is, has integrity, woman, strong and true. You know

649
00:28:58.559 --> 00:29:01.000
her by name. See this woman is you.

650
00:29:01.119 --> 00:29:05.000
She is sure, she is strong, is strong, she is true,

651
00:29:05.279 --> 00:29:11.000
is true, she is brave, she is.

652
00:29:09.799 --> 00:29:11.920
She is you, she is you.

653
00:29:12.240 --> 00:29:16.920
She is she is sure, she is strong, is strong,

654
00:29:17.000 --> 00:29:22.160
she is true, is true, she is brave, she is

655
00:29:22.559 --> 00:29:24.720
she is she is you, she is you.

656
00:29:25.000 --> 00:29:29.480
She is adds value and hope has proved to be brave.

657
00:29:29.720 --> 00:29:33.640
See it's never too late, never time to behave reaching

658
00:29:33.720 --> 00:29:38.240
for dreams doesn't matter. The age believes in herself, unleash

659
00:29:38.279 --> 00:29:40.920
from her cage. She is sure, she is sure, she

660
00:29:41.000 --> 00:29:42.960
is strong, is strong, she is.

661
00:29:42.880 --> 00:29:48.880
True, is true, she is brave, she is bold, she

662
00:29:49.200 --> 00:29:50.880
is you, is she is.

663
00:29:51.359 --> 00:29:53.559
She is sure, she is true.

664
00:29:53.720 --> 00:29:56.839
She is strong, she is strong, she is true, is true,

665
00:29:58.480 --> 00:30:02.279
she is brave, is bra she is she is you.

666
00:30:05.319 --> 00:30:05.680
Okay I
Shana & Vanessa Profile Photo
Shana & Vanessa

Budget Besties

Shana & Vanessa are best friends, business partners and master financial coaches who love talking about the *B* word. They help women who make good money but have nothing to show for it set up an automatic budget system that fits their real life and their big dreams so they can be bougie on a budget.