Why Your Budget Isn’t Working (And the Two Simple Shifts That Will Change Everything) | Lessons From The Sessions | 577
6/10/202618 min
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Budget besties, this episode is all about what happens when your money life has a lot of moving parts: personal finances, business income, real estate, trusts, debt payments, vehicles, savings goals, and everyday spending all tangled together.
Shana and Vanessa walk through a real client example where three separate budgets helped create major clarity. Once everything was on paper, this client and her husband could finally see what was happening, make informed decisions, and start the domino effect by selling a truck they no longer needed.
The big takeaway? When money is mixed together, it gets confusing fast. But when we separate it, label it, and set up simple systems, our budget starts working for us automatically. Separate accounts, realistic spending categories, labeled savings, and automatic transfers can help us stop relying on memory, stop overspending “extra” money that isn’t really extra, and start making progress toward the goals we actually care about.
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Clips
Transcript preview
First 90 secondsShana· Host0:00
[gentle music] I always know I should have money left over at the month.
Vanessa· Host0:02
But she had a little over $1,000 to play with in her personal, but she couldn't see it- Mm ... because everything was just getting spent.
Shana· Host0:11
The thing is what the separate accounts is doing is allowing your brain to not have to remember anything. Your account is not your friend. [laughs] Like, I woke up at 5:00 AM, everything's done.
Vanessa· Host0:20
Good plan.
Shana· Host0:20
Ta-da, I feel really good about my life.
Vanessa· Host0:22
Do you make good money but have nothing to show for it?
Shana· Host0:24
Are you tired of living paycheck to paycheck?
Vanessa· Host0:27
Do you have big dreams for your financial future?
Shana· Host0:29
Do you wanna get debt free, but you don't wanna live on beans and rice?
Vanessa· Host0:32
And you don't wanna give up those pumpkin spice lattes?
Shana· Host0:35
If you don't already know how to budget, or if you're using credit cards to get through the month.
Vanessa· Host0:39
If you wanna seem like you have your finances all together, or you're not on the same page with your spouse when it comes to finances.
Shana· Host0:45
We know what you're doing probably isn't working. But guess what? You're in the right place. We're Shana.
Vanessa· Host0:51
And Vanessa. We're best friends, business partners, and master financial coaches trained by Dave Ramsey. We've been in business since 2019, helping hundreds of amazing people, like you, create budgets, get out of debt, stop living paycheck to paycheck, and know exactly what to do with their money.
Shana· Host1:07
In this podcast, we'll share with you everything we know, plus everything we're working on with our clients so that you have the best chance at reaching your financial goals.
Vanessa· Host1:14
We want to help you take the guesswork out of your budget, improve your marriages, and even bring your kids in on the conversation.
Shana· Host1:20
We can help you no matter where you're at, whether you're the single mom who's never had $500 in her savings account, or the millionaire who's paid off four real estate mortgages.
Vanessa· Host1:28
And we're not gonna shy away