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Budget besties… this one is GOOD.

We’re back with the one and only 🎶 Coach Michelle 🎶 — our office hours queen and now the go-to for our Budget Setup Sessions!

Today’s convo is all about what happens when real life hits your budget… and how community + clarity changes everything.

Michelle shared the story of one of our longtime office hours friends:

• Hard-working mama
• Supporting her husband’s startup
• Raising kids (including one who needs extra care)
• Watching savings slowly shrink
• Determined not to go back to credit cards

She was weighing:

• 401(k) loan
• Business loan
• Personal loan
• Side hustles
• Anything to avoid high-interest debt

And instead of spiraling alone?

She brought it to office hours.

What happened next is why we love this community so much:

• Other budget besties jumped in with creative, realistic ideas
• Side hustle suggestions tailored to her actual skills (art lessons, tutoring, laundry service, pet sitting)
• Honest discussion about risks of retirement loans
• Encouragement to protect their debt-free progress

No “finance bro” advice.

No shame.

Just real women saying: We see you. Let’s think this through together.

That’s what office hours is for.

Let’s Take Our Relationship To The Next Level:

1️⃣ Facebook Group ➡︎ budgetbesties.com/facebook

2️⃣ Be on the Podcast ➡︎ budgetbesties.com/livecall

3️⃣ Private 1-on-1 Coaching. ➡︎ budgetbesties.com/coaching

This podcast is for educational and informational purposes only and is not personal financial, legal, or tax advice.

This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase.

Click here to view our privacy policy.

Curious? Take The Free Money Stress Quiz!

Ready? Buy Our Simplified Budget System Now!

This episode is for every mom who feels like she’s running a full-time taxi service, short-order cook, event planner, and somehow also expected to “just budget” on top of it all.

We see you. We are you.

Between volleyball tournaments, gymnastics, long drives, team dinners, school surprises, and figuring out who’s buying $9 eggs this week… there is NO extra time to sit down with a complicated spreadsheet.

So today’s episode is all about budget shortcuts for busy moms — the kind that make your money run on autopilot so you can focus on your family (and maybe even breathe).

Let’s Take Our Relationship To The Next Level:

1️⃣ Facebook Group ➡︎ budgetbesties.com/facebook

2️⃣ Be on the Podcast ➡︎ budgetbesties.com/livecall

3️⃣ Private 1-on-1 Coaching. ➡︎ budgetbesties.com/coaching

This podcast is for educational and informational purposes only and is not personal financial, legal, or tax advice.

This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase.

Click here to view our privacy policy.

Curious? Take The Free Money Stress Quiz!

Ready? Buy Our Simplified Budget System Now!

Cindy’s story is one so many of us can relate to.

After her divorce, she was suddenly in charge of everything financially. She was budgeting on a legal pad every paycheck, carrying around a purse full of cash envelopes, and dumping all extra money into one big savings account.

It was working… technically.

But:

• She didn’t know what her savings was actually for.
• Unexpected expenses always came from the same big pot.
• Fun spending and real emergencies got mixed together.
• And her purse weighed about 30 pounds. 😅

Instead of one giant savings bucket, Cindy created separate sub-accounts for things like:

• Medical
• Vacation
• Auto repairs
• Beauty
• Restaurants
• Clothing
• Home/Amazon

Now she knows exactly what every dollar is for.

No more guessing.

No more “I’ll just pull it from savings.”

No more stress.

She uses:

• A simple paycheck plan
• Digital “envelopes” through her bank
• A system she can’t accidentally mess up
• Cash only where it makes sense (like restaurants)

And the best part?

She’s retired now — and it still works beautifully.

Let’s Take Our Relationship To The Next Level:

1️⃣ Facebook Group ➡︎ budgetbesties.com/facebook

2️⃣ Be on the Podcast ➡︎ budgetbesties.com/livecall

3️⃣ Private 1-on-1 Coaching. ➡︎ budgetbesties.com/coaching

This podcast is for educational and informational purposes only and is not personal financial, legal, or tax advice.

This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase.

Click here to view our privacy policy.