✨ Ready to transform your finances? Book a free 20-minute coaching call, join our Facebook community, or grab our signature budget template. Visit budgetbesties.com to get started!

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Budget besties, can you believe it? January 2025 is here! Shana and Vanessa are back to help you prep for a fresh financial start this month. Whether December felt like a budgeting whirlwind or a total train wreck—it's okay, we've got you. We’re walking you step-by-step through closing out December and setting up your shiny new January budget. 🎉

This episode is all about:

✨ Reviewing December’s numbers (yes, even if it hurts) and using that data for a better year ahead.

✨ Setting up January’s budget with intention.

✨ Bringing over any lingering debt payments, fine-tuning your bills, and reviewing those subscriptions.

✨ Assigning your spending and creating savings buckets for all those “unexpected but totally expected” expenses (looking at you, Christmas and Amazon Prime renewals!).

You don’t have to be perfect—just start!

What You’ll Learn:

1. Why closing out December before starting January matters.

2. The step-by-step flow for creating your budget:

3. Income (let’s celebrate that number, first!)

4. Debt (minimum payments only for now, we’ll strategize later).

5. Bills (separate these from debt for total clarity).

6. Spending (where you live and swipe).

7. Savings Buckets (funding your future and the fun stuff).

8. How to take this opportunity to review your subscriptions, plan for annual bills, and make your budget truly work for you.

Budget Besties Takeaway:

Budgeting is about getting clarity—not perfection. Use what you learned in December to make January your best month yet, and don’t forget: January is the time to get those savings buckets rolling for the new year!

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

2️⃣ FACEBOOK: Become part of our Supportive Facebook Group. Connect, share, and learn with others mastering their budget skills ➡︎ https://www.budgetbesties.com/facebook

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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Snag Our Simplified Budget System!

In this heartwarming episode, we’re joined by our friend and former client, Megan Gephardt, who shares her inspiring financial transformation journey. Megan, a wife, mom to three boys, army veteran, and now entrepreneur, takes us through her whirlwind of life transitions—from exiting the military to building a sustainable business—all while embracing financial clarity and intentionality.

Together, we discuss how Megan went from managing two chaotic households and feeling intimidated by money to confidently stewarding her family’s finances, paying off significant debt, and even creating space for once-in-a-lifetime experiences like traveling and a peaceful home birth.

Megan’s story is proof that incremental progress and personalized systems can lead to profound peace and freedom. Whether you’re juggling kids, career changes, or just trying to figure out where your money is going, this episode is packed with encouragement and practical wisdom.

1. The Power of Financial Coaching: How Megan transitioned from overwhelm to confidence by creating systems that aligned with her family’s values.
2. Overcoming Financial Barriers: The mindset shifts Megan made to tackle debt, build savings, and create a sustainable plan for big life transitions.
3. The Beauty of Progress Over Perfection: Why taking small, consistent steps led to lasting financial peace.
4. Living Bougie on a Budget: How Megan embraced intentional spending without sacrificing her family’s quality of life.
5. Empowering Your Family: The impact financial clarity had on Megan’s marriage and ability to serve her family and business.