Avoiding Credit Card Debt in a Hard Season: Budget Help, Side Hustles, and Real Wins | 562
5/6/202615 min
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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.
💛 When You’re Trying to Stay Debt-Free in a Hard Season
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.
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Clips
Transcript preview
First 90 secondsVanessa· Host0:00
Want to pay off debt but don't know where to start?
Shana· Host0:01
Stop making random extra payments and hoping for the best. Let's build a debt payoff strategy that actually works.
Vanessa· Host0:07
Join us Thursday, May 28th, for our debt payoff workshop so you'll know what you owe so you can pick your debt payoff method and you can start getting out of debt.
Shana· Host0:16
We'll help you organize your debt, understand your balances, interest rates, and minimum payments, and help you choose what to pay first.
Vanessa· Host0:23
We'll cover all three payoff methods, including the snowball, avalanche, and minimum payments, and we'll also tell you what to know before applying for debt consolidation.
Shana· Host0:32
No shame, no finance bro nonsense, just your next right step.
Vanessa· Host0:37
Grab your spot at budgetbesties.com/debtworkshop. Ready?
Shana· Host0:42
All right. We're back with Coach Michelle. We have to sing her name because she's amazing. Coach Michelle is one of our coaches, and sh- well, she's the awesomest coach for office hours as well. That's one of the things she does. She also, you guys, th- recently, we have added in that sh- that you, if you buy the budget system, you can get a budget setup session with Michelle- Mm-hmm ... for a steal of a deal, which is going to be amazing because, you know, Michelle, I think one of the things that you do in office hours so well is really help people take that first step or start, like, getting into it, and that's what the budget setup session can do, is, you know, I have this budget. Yes, you could do it on your own, absolutely, but also, Michelle can spend an hour and really help you get everything, like, done, set up, figured out, and tell you, like, and you'll walk away with everything ready to go, which is, like,