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Welcome back, budget besties! Shana and Vanessa are diving into real-life financial breakthroughs from their latest client coaching sessions, sharing tips and lessons that’ll inspire you to make moves in your own money journey. This episode is all about combining finances, cutting out debt temptations, and negotiating bills. Ready to hear how real people are saving thousands? Let’s go!

To Combine or Not to Combine? 💍
- Lesson: If you’re in a partnership and keeping finances separate, have a conversation about the why behind it. Shana’s client, who is about to go on maternity leave, realized she and her husband never really discussed joining their finances, and this conversation opened up a path for new possibilities.
- Takeaway: Working as a financial team not only helps pool resources but strengthens communication, trust, and bigger financial goals. Try combining finances and focusing on shared dreams – you’ll be surprised at the results!
Take the Credit Cards Out of Your Wallet! 👜
- Lesson: If debt is an issue, one big step toward cutting spending temptations is removing those credit cards from your wallet – both physical and digital. Shana and Vanessa recommend going cash-only or debit-first as a powerful way to start breaking away from credit dependency.
- Takeaway: Saving on interest payments is only half the reward; the real benefit is the sense of control that builds as you rely on your cash flow. Use this time to reset and see how much further you can go with what’s yours!
Non-Negotiable Income Goals for Business Owners 💇‍♀️💵
- Lesson: Vanessa worked with a business-owning client to calculate a “non-negotiable” monthly goal – the bare minimum her hairdresser client needs to meet personal expenses. From there, they created good-better-best financial targets, so she has a clear vision for growth!
- Takeaway: If you’re a business owner, set a minimum income goal, then build it up to reach milestones like debt paydown, savings, or even a vacation! This clear, numbers-based plan can transform the way you approach your month.
Negotiate Your Monthly Bills – Seriously! 📞💡
- Lesson: In one session, Shana’s clients saved over $4,000 a year just by making a few phone calls to their phone, internet, and credit card companies. By checking with providers for new plan options and promotions, they cut unnecessary costs and created new financial wiggle room.
- Takeaway: Block out some time to call your service providers and ask about promotions, loyalty discounts, or re-evaluations. Even a few dollars here and there add up to thousands annually!

4 Ways To Connect With Us:

1️⃣ FREE CALL: Book your FREE 20-Minute Financial Coaching Call now! Get personalized advice and start your financial journey ➡︎ https://www.budgetbesties.com/freecall

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3️⃣ BUDGET: Grab our Signature Budget Template! It's your key to organizing and optimizing your finances effectively ➡︎ https://budgetbesties.com/budget

4️⃣ COACHING: Ready to dive deep into your finances? Sign up for 1-on-1 or Group Financial Coaching. It’s the accountability and guidance you need to make real progress ➡︎ https://budgetbesties.com/coaching

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322 | Hidden Savings: How One Call Could Reduce Your Monthly Bills

Financial Coaching for Women: How To Budget, Manage Money, Pay Off Debt, Save Money, Paycheck Plans

322 | Hidden Savings: How One Call Could Reduce Your Monthly Bills