188 | Budgeting, Spending Habits & Dave Ramsey (Best of 2023)

⁠Snag Our Signature Budget Template!⁠ Hey there, budget besties! In this power-packed episode, we're diving deep into the world of budgeting and spending habits. Whether you're a budgeting pro or just starting out, we've got some golden nuggets of advice that are sure to help you take control of your finances like never before. We're not just talking theory here – these are practical, real-world strategies that have worked for us and countless others. So grab your notepad, and let's jump into the key takeaways from today's episode: 8:26 - The Perfect Time to Start Budgeting: We talk about why there's no better time to start budgeting than now. Don't wait for a 'perfect' financial month; the best time is always the present. 13:53 - Understanding Your Spending Habits: Get insights into how analyzing your bank and credit card statements can reveal a lot about where your money is going. 21:03 - Creating a Personal Spending Budget: We discuss the concept of 'pocket money' – a budget for guilt-free spending within limits, balancing enjoyment with responsibility. 24:34 - The Downside of Credit Cards: Learn about the pitfalls of relying too much on credit cards and the psychological benefits of using cash. 26:25 - Comparing Budgeting Approaches: We compare our flexible, personalized approach to budgeting with more rigid methods like those advocated by Dave Ramsey. Remember, understanding and controlling your spending is key to financial empowerment. It's not just about cutting back – it's about making smarter choices and knowing where your money is going. Ready to Elevate Your Financial Savvy? Grab your earbuds and a cozy cup of coffee, and settle in for a deep dive into mastering your finances. Tune into our episode now for insights and strategies that will transform the way you view and manage your money. It's time to turn those budgeting challenges into triumphs! 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  "I love Shana & Vanessa and this podcast is amazing!" < If that sounds like you, please consider rating and reviewing our show! It helps us to reach more people – just like you – to help them change their financial future. Don’t forget to follow the show so you don’t miss any episodes! And, if you’re feeling really generous, we’d be SO honored if you would share this podcast with someone.  Click here to view our privacy policy. This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase!