From $3K in Debt Payments to $2.4K in Savings: How One Single Woman Took Back Her Finances | 434

What this episode covers

https://budgetbesties.com/budgetpodcast (Snag Our Simplified Budget System!) One of our single clients came to us with over $263,000 in debt. 💳 $3,000/month in minimum payments 💔 No savings 😩 Business and personal finances completely mixed 👉 But she was ready for change. In just 7 months, here’s what she accomplished with our coaching and system: 🔥 Her Before: 💸 $263,000 in total debt 💳 $69,000 in non-mortgage debt 🧾 10 different loans (credit cards, RV, HELOC, debt consolidation, etc.) 💰 $3,000/mo in minimum debt payments 💼 Personal + business finances mixed 🚫 No emergency fund, no savings system 📉 Living paycheck to paycheck — despite a $7,500/month income ✅ Her After: 💥 $263K debt reduced 🧨 Minimum payments dropped from $3,000 ➡️ $1,200/month 💵 Saving $2,400/month for sinking funds 💡 Business + personal finances completely separated 🐶 Has dedicated savings for pets, travel, Christmas, home maintenance 🏡 Downsized to a condo, paid for all renovations in cash 📈 Net worth: $684,000 ✨ Living on purpose, with peace and margin — not just reacting to her bank balance 💡 What She Did (Step by Step): ✅ Joined coaching for 7 months 🧠 Borrowed our belief until she had her own 🏦 Opened 13 accounts (bills, spending, savings, business, etc.) 🔁 Set up automatic transfers based on paycheck 📞 Called every creditor — reduced interest, deferred a car loan for a month 🔎 Canceled warranties + subscriptions 📉 Shopped all her insurances — saved $2,500/year (then another $5,600 when she moved) 🐄 Made a cow savings bucket 🐮 (we’re obsessed) 📋 Calculated her actual annual life costs 📊 Started using the retirement tab in our budget system 📆 Learned how to properly plan for 3-paycheck months 📱 Got organized — and finally felt in control of every dollar Connect With Us: 1️⃣ Facebook Group – Join the community. Our free group is where the real talk happens. Connect with other women who are learning how to budget, save, and finally feel in control, together. ➡︎https://budgetbesties.com/facebook ( )http://budgetbesties.com/facebook (budgetbesties.com/facebook) 2️⃣ Automate Your Budget Masterclass – Watch it now, no waiting. This FREE on-demand training shows you how to set up a budget that matches your lifestyle, without tracking every dollar or feeling restricted. ➡︎https://budgetbesties.com/automate ( )http://budgetbesties.com/automate (budgetbesties.com/automate) 3️⃣ Budget – Grab our Simplified Budget System! You don’t need another budget, you need a system that does the math, makes the plan, and gives you permission to spend. ➡︎https://budgetbesties.com/budgetemail ( )http://budgetbesties.com/budgetpodcast (budgetbesties.com/budget) 4️⃣ Private 1-on-1 Coaching – Get a plan and a coach. We’ll build your full budget system together, so you always know what to do and feel confident doing it. ➡︎https://budgetbesties.com/coaching ( )http://budgetbesties.com/coaching (budgetbesties.com/coaching) 5️⃣ Be on the Podcast – Free coaching, real convo. Come chat with us on the show! Get real-time financial coaching and help other women by sharing your story. ➡︎ https://budgetbesties.com/livecall (budgetbesties.com/livecall) "I love Shana and Vanessa and this podcast is amazing!" 👈🏻 If that sounds like you… ✨ Please take a second to rate and review the show! It helps us reach more people—just like you—who are ready to change their financial future. 🔔 Don’t forget to follow so you never miss an episode! 💌 And if you're feeling extra generous, share this podcast with a friend who needs it. We’d be so honored. 🙌 https://budgetbesties.com/privacy (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 and purchase!