How to Get Caught Up When Your Budget Feels Like a Mess: The No-Shame Plan for Getting Back on Track | 563
5/8/202619 min
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Budget besties, this episode is for the moments when we look at our income and think, “We should be okay… so why are we still behind?”
In this coaching call, Shana and Vanessa talk with Chelsea, a mom of five in a single-income household, who is trying to catch up on bills, manage debt, and figure out why the money keeps disappearing even when they’re making good money.
Together, we walk through what to do when you’re behind on bills, why everything needs to get out of your head and onto paper, and how separating accounts can bring instant clarity. We also talk about realistic grocery budgets, medical expenses, credit cards, past-due payments, and why perfectionism can keep us stuck.
This is not about shame. It’s about seeing the full picture, protecting the four walls, and taking one realistic next step at a time.
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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.
Shana· Host0:40
I would actually say it's gonna be, make you feel a lot better to get it all out- Yeah ... on paper. And I just had a session with somebody yesterday and it was really fun. She's a single mom. She is digging herself out from a little bit of a hole as well. But I said, "Look, your goal in February is to open the accounts, set up the system. Nothing else."
Vanessa· Host0:58
Mm-hmm.
Shana· Host0:58
"Don't care about anything else. March, then you're going to set up your... Or you're gonna see if you can pay off any other, extra debt. Then, then what's the next month? My gosh, April's when you're gonna start your savings bucket." It's like it, it's just one thing at a time.
Vanessa· Host1:10
Mm-hmm. Mm-hmm.
Shana· Host1:10
And it will make a difference. But for you, getting it out on paper, you might have, you can have two different pieces of paper, but getting it all out on paper is so important. It's so vital. It is going to help that perfection. You're gonna see it, or you're gonna start to see it, but you don't have to do everything at the same time.
Vanessa· Host1:25
Yeah. Do you make good money but have nothing to show for it?
Shana· Host1:28
Are you tired of living paycheck