Why Your Money Feels Disorganized (And How to Finally Fix Your Budget) | 552

We asked our Facebook group, what makes your money feel disorganized? We know that disorganization is a big pain point that you guys have, we hear it from you all the time. So we wanted to ask specifically what people thought was there, what was making them feel disorganized. Yeah, and we got a bunch of great responses. And so we just figured the best way to answer these is to come on the podcast and answer a bunch of them and just help you guys out. Cause we know that if people in our Facebook group, small audience in there are asking these questions, then sure enough you guys that are listening have the same questions. Do you make good money but have nothing to show for it? Are you tired of living paycheck to paycheck? Do you have big dreams for your financial future? Do you want to get debt free, but you don't want to live on beans and rice? When you don't want to give up this pumpkin spice latte? Hey, it's okay if you don't already know how to budget or if you're using credit cards to get through the month. Hey, it's okay if you want to seem like you have your finances all together, or you're not on the same page with your spouse when it comes to finances. We know what you're doing probably isn't working. But guess what? You're in for bright places. We're Shayna and Vanessa. We're best friends, business partners, and master financial coaches trained by Dave Francie. 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 your money. 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. We want to help you take the guesswork out of your budget, improve your marriages, and even bring your kids in on a conversation. We can help you no matter where you're at, whether you're the single mom who's never had $500 in their savings account, or the millionaire who's paid off four real estate loans. And we're not gonna shy away from the tough love. We'll tell you what you need to hear and encourage you at the same time. This is the Financial Coaching for Women podcast. So the first person that responded said, I still find my savings to be unorganized. I just have one savings account, and I haven't set up the automatic payments to savings yet. Okay. Hold on, wait. Nobody knows this, okay? There's family guys seeing upside down in Facebook, like you guys, but what I'm doing is I'm turning my face to the side very slowly, looking you in the eye person who posted this. Anyway, because what it sounds like is you know the answer. Yes. You already know, but you just haven't done it. Well, and I wonder how long they've been listening to us yet, or how long they've been in our community, because I'm sure all of our listeners are like, girl, I know what's going on. So the reason it feels messy is because you still have one account for all of your savings. And so we really just have to separate that out and make and listen. I know some of you may be listening and go, I don't want separate accounts. That's too many accounts. It's not. It's the cash envelope system turned digital. It's so much easier to track what you have going on when your accounts say kids savings, right? If it says vehicle maintenance, home repair, travel, pets, gifts, Christmas, you can look at your bank account and have in 30 seconds have a glimpse of knowing exactly where your money is and why. Yeah. It just feels messy because you have one account and you're trying to guess like Vanessa said, instead of them all being separate. And like you just know, and that is disorganized, unorganized, but then I also think about, we had our client Amanda, she came on here to testimonial and she was talking about how she resists to doing it too. And here's the secret. The longer you resist, the more you're going to suffer. Gosh, that's a lifelong lesson. Delayed obedience, delayed results, but we don't need you to obey us. But what I'm saying is the longer people don't do it, the more they're like, oh, I'm so fresh. As soon as they do it, they're like, oh, I see the light now. Okay. So that's what happened with her. She's, she resisted doing it because she really, it was because she was trying to decide which bank she wanted to go with. And we had a few sessions where she was researching that. But once she did it, she's, oh, because she did not want to pull money out of her generic savings account because it was generic. I don't know what it's for. I think it's for this. I think it's for like an emergency fund. But once she had that separate, an emergency fund, then she also had accounts for all the things that Vanessa just listed. Then she knew exactly what it's for. And she felt fine being able to pull from it. The alternative is I hear you people, I'm going to go ahead and say this. Y'all are like, yeah, but it's fine. I just have an Excel spreadsheet. That I have the one account and I have all the sub things in it. And I know exactly where my money is going. And then when I need to go use it, I deduct it. Okay. So now you've become a bookkeeper. Like you're graduating to an accountant. Congratulations. I don't have time for that. That's the whole reason why budgeting wasn't working for you in the first place. This is why tracking doesn't work. So we're trying to remove that. Just literally the simple step of creating a separate bank or savings accounts for all this, now requires you to not have to track any of that. Yeah. And the thing that she also said was the automatic payment transfers to her savings. And actually she said payment to savings, which I love that because you guys may have heard of that like wisdom, pay yourself first or whatever. This is what you're doing here. When you're saying I'm going to save money, you're paying your savings buckets first, which is fantastic. Or at the same time as everything else. And you can set that up automatically. And to Vanessa's point, we don't want you to have to do anything manually. We don't want any extra steps. We want it to be as easy for you to do. Like it's happening while you're sleeping so that it actually happens. And then automated. Like my husband today, he said, hey, I have to go buy a couple things at Ace. How much is in the home account? I was like, oh, like $3,000. I was like, but remember, we have to replace our back door. So no, no, that is like, it's that's good. Let's just go ahead and say that's $2,000. And he was like, okay. But, okay, it's happening. It's happening. How long? I'm very excited about it. How long has? How long? How long? We moved in in five. We moved in in five. Yeah, 11 years. Okay. Yeah, that's how long. Don't, don't know. Don't worry about like where she lives. Her back door is very secure. That she has a beautiful home. It's completely decorated. And then some fun upgrades that they've done. All kinds of big projects. No door. The problem is the door was messed up when we moved in and I was like resentful because that's how they left it. And I was like mad. So I fixed everything else. But not the door. So you fixed the door. Not the entire door. Okay, it's fine. So guys, email hello at buzzerbestseves.com and say Vanessa, have you fixed your door yet? That's supposedly a money saved for, but you're never. Gonna be the motivation. Yeah, you're gonna need a key holder accountable. Okay, next one. Somebody said not having goals, not being intentional. And she was referring to Angie's podcast, which just came out in March. That said, Angie's episode was so good. Intentional is my new power word. But without goals and intention, my money was just flying out the door. Interesting, I see what happened. I see what happened out the door though, at the door seat. Oh yeah. Okay, now, she said, it feels organized, planned, and feels like it's doing its job. Yeah, I love that. I love how she's transitioning into knowing that it was because she didn't have goals. Knowing that it was because she wasn't intentional. And now she's saying it feels organized because she's doing those things. And again, we wanna make sure that your money is working for you, not against you. And it's working towards your goals. You wanna know throughout the month when you're at the checkout or at your child's game, you can say, listen, my budget, my money aligns with what makes me excited with what I set in place for myself and that this is my version of bougie. I love that you said that because I, we spend all our money on child sports, but I really do enjoy it. And it's a little addictive. It is. It is a little addictive. I was watching my daughter who cost the most money. That's the one thing. This is the youngest, tiniest little one. Do what she's doing yesterday. Oh, cartwheels on the beam, over and over and over and over and over again. And then aerials and stuff. And I was like, this is so fun. I'm watching you. Anyway, that's my goal. That does not have to be your goal. But what I was gonna say is what it feels like when you don't have goals, not only is your money disorganized, but your life is disorganized. So you're moving toward. What is my purpose? Why am I waking up and going to work every day if I don't know what the goal is, right? And so you're running around like a chicken with your head cut off and you're just like being busy and being and doing instead of moving toward what you know you want in the future. And it makes me think about your clients. Tuna and Leek. Okay, what's gonna be a good day guys. Tina and Luke, they came out our podcast right in the beginning when we started. And Tina, Vanessa asked them on one of their sessions, what are your goals? Their first session. And she started crying because nobody had ever asked her that. She never thought about that. They were in the busy minutiae of daily life and motherhood and marriage and church and work and all of that. She hadn't even thought, pause to think, what am I doing all this for? What are my actual goals? Yeah, it was really hard for her but watching them for the next six months flourish and know what their goals are and start to align their money with their goals was really fun. And again, listen, this is what's gonna make you want a budget. It's gonna make it fun for you and feel exciting. So just know that go about before. And that's why it's literally step one. If you buy our system, budgetbessys.com forward slash budget. It's literally tab one that it's so important. Nothing else matters unless it aligns with your intention and what your goals are. Yeah, that's a great point. But I'll say all that you're gonna do with the budgeting is going to be so you can reach your goals and it's gonna get you motivated and it's gonna be fun and exciting like you said. So I love that. All right, budgetbessys, it's time for surreal talk. You don't need another budget, you need a budget system. Our simplified budget system is what you've been looking for. It's gonna allow you to be bougie on a budget. You'll be able to easily set up a system that runs automatically and shows you exactly where your money is going. And it's gonna give you permission to spend. Everybody loves that. Yeah, it's straightforward, pretty and packed with walkthrough videos that break down the exact methods we use with our clients to get out of debt, set up a bills account, separate spending, build savings buckets and end the paycheck to paycheck feel. If you're new to budgeting, this is the perfect way to jump in. And if you're already a budget nerd like us, you're about to meet your new obsession. This is the upgrade to your finances that you need right now. Yeah, so head on over to budgetbessys.com forward slash budget and grab yours. Now back to today's show. Okay, here's another comment. Saving for events, then redoing the budget when they are finished. So I think we took this two different ways. So we're gonna, I think answer it both ways. Because we're not really sure that we're gonna have the words. Okay, so the way that I took it was they have a budget, there's an event that happens. They haven't saved for it. So therefore it has now become an unexpected expense. And then they feel like they have to redo the budget to catch up and fix it basically after all this happened because it quote unquote, messed everything up. So again, savings buckets guys, like we want to make sure we put these events that happen randomly throughout the year. And they're pretty consistent when you look at it overall in a year's basis, not by month, and go, what do we have going on? What do we normally do this time of year? Put it in a savings bucket, save for it for the next, even if you haven't been able to save for it for 12 months, fine, if you know what's coming up in one month or two month or three months, start saving for it now. So that way when that event does come, you can take that lump of money that you've saved for, put it in your spending account and spend freely. Now I will say something that there isn't in between, between when you start savings buckets and when they're fully operational. Because when they're fully operational for the most part, it really shouldn't change. So yes, the event of Christmas passes, but that doesn't change how much you're putting in the Christmas savings bucket because that's an all year round process, right? The only thing, and so most of yours are gonna be like that. You're gonna need so many oil changes a year. You're gonna have so much, a general amount for medical co-pays that you're keeping in there so it's always consistent with what you're putting in your savings bucket all year. However, there are the messy middle, which is I'm not fully able to fund them yet. And so in that point, you're just gonna become really best friends with your savings bucket planner. And you're going to, like for example, I had a client and we just bolded as they met each threshold, and we bolded it so that they knew that they got through that one. And then they were paying off debt. So eventually they would be able to fully fund them all year round, but they weren't there yet. And you can just track them as they go in the savings bucket thing. On the other hand, if it's something, for example, I was thinking about prom, that's, or senior, you have a senior, and that is a one-time event, right? It's not gonna go back, hopefully unless you're Vanessa. It's gonna be two years in a row. Back to back, baby. It's senior years. And then I'm like. But it won't be in your budget two years in a row for the most of you. Then you will be able to take off and maybe you'll lower your amount that goes in the kid's budget once that's done. But that's like really a one-off kind of deal. Like it's mostly gonna be consistent saving. Yeah, and I love how you said, listen, if you're not there yet, like if you're funding it, but it's not fully funded, like then you feel like, what do I do? If you've put a couple hundred bucks in there for the thing that you said you wanted, but it needs a couple extra hundred dollars, then that has to come out of your monthly budget until you get to the point. So funding things in the moment is okay until you get, like Shayna said, up to where you're funding, your savings buckets fully for everything. And I love how you said you're like bolded the threshold. Shayna is saying there is, let's say you have five different bills in your annual bills bucket. And you're, so every time you're able to fund one fully, she's bolding it and then building the next one. So that way eventually her client knows, hey, now they're all funded. So you know you can now pull from this account to pay for them instead of having to fund them in the moment, like in your monthly budget. And that also comes into play if you're the kind of people that have to fund them with bonuses or something so that you can know when you're hitting and you have to pick and choose, maybe until you get to the second quarter, you can fund them all or something with your bonuses. So that's just when you're gonna become a best friend with your savings bucket planner. And then eventually hopefully you'll be able to get on a smooth ride the whole way through. Okay, so another comment was talking and trying to share the load with my partner and not making enough. So they're really feeling the stress of, they're not being enough money and then also trying to get on the same page with their spouse or partner. Yeah, which is not, that's not easy. And we've had plenty of clients that have this and I think you can't want it for the other person but you can try to make it as simple as possible. If you show him the budget, like the actual on paper printed out budget, hand it over there and say, what do you think? Or stop talking. And then just stop talking. I think that is a really good step. Don't try to explain it to him. Don't try to convince him. Don't try to tell him what the problems are. And I think another thing that we've said with spouses is don't always be thinking and talking about it because that is not gonna work for everybody. Not everybody's a nerd. In passing through text messages. Like we had whoever, who was it that came on and said, oh, I think it was Angie. So maybe she was the one that said, I'm always thinking about it and always have ideas. I'm always over analyzing, but I realize he, that stresses him out. And so she only, he has no need to know basically. Like once a month, let's have a conversation and then she can obsess over it because she loves it, but he doesn't need to. Yeah, and I think again, it's just, it forms that wonderful communication between the two of you in a healthy way versus you thinking you always need to talk about it. They don't want anything to do with it. They're just like, cause sometimes it is like, hey, just tell me what to do. But we don't want it to become a parent-child relationship. So you both need to come together and say, hey, this is our plan together. And again, if they're not the ones that really want to be in it, you still have to give them the autonomy to make decisions. So that's why we said make the budget for them. Just show them, hey, I just want you to see where all our money is going throughout the month. Show them. Cause sometimes they don't know how many bills you have. Sometimes they don't know how much your minimum monthly debt payments are. Sometimes they don't realize how much groceries cost. Let's just be real, they don't see that. But if you show them on paper, they may throw a fit, okay? They may get upset, they may yell, they may scream, whatever, that's fine. Give them that time to do that, that time and space to do that. You've already freaked out about it. You've already had the time to get upset and be stressed about it. They haven't, if this is the first time they're seeing it. So allow that and then come together and say, like Shayna said, what do you suggest? What do you think we should do? And then you stop talking and let them decide and be part of it. But one of the things that we really see works with them is giving the husband their own account or their own fund, like spending money account that lets them do whatever they want. When they know they have the freedom to do that and everything else is working, usually that's like an in for you. Definitely a good place to go with that. But I also think the other half of this, or I mean, it's similar to what Vanessa's saying is that they haven't seen it and you have. But a lot of times they haven't shared the responsibility for trying to figure it out. And that's what you're showing them for. It's not shaming them, but this is, we're negative 500, what's your idea? In a nice way. What do you think we could do? Like Vanessa said, but they aren't shouldering it because you're doing it all. You're allowing that. You're only giving tidbits of information or stressing out and biting their head off because, but they don't actually know and they haven't been given the proper responsibility. Not even gonna say a chance, but it's also their responsibility to figure it out with you. When I hear you say not making enough, you've got to show them the budget that says it's not enough. And then you guys have to decide together, what does that mean? Do I get somebody to get a second job? Does somebody, do we stop spinning on this subscription? What does that mean together as a couple? Yeah, I think it's really important for you guys to decide like Shayna said together. And here's the other thing is if you feel alone in this and you feel like you're not on the same page with your spouse, come to office hours with Michelle. It's weekly Wednesdays, noon central. So that way you have somebody in your corner. Like I said, it's totally free. And y'all can hopefully come up with a plan to be able to make this work and share your success with somebody like, hey, this week we talked about this. And then next week, maybe you do it in baby steps because you don't want to overwhelm him. But whatever that is, we don't want you to feel like you're in this by yourself. We want somebody there. So our Facebook community and Coach Michelle is an awesome resource. Yeah, so you can go to budgetbestsys.com for such office hours and you can get the link to join there. All right, so another question we had was, remember the question was what makes your money feel disorganized? And this person said multiple banks transitioning and automated, but not there yet. Having one savings account for all my savings buckets, there it is again. And I just had to add and redo it every time I use a savings bucket. OK, multiple banks has got to go. That's like number one. It is disorganized. It's like you having to go through three different final cabinets to find out how much money you have. Or if you can buy groceries or something. And it's not like you just need to be able to see it all in one place. That's our best case scenario for you is one bank that will rule them all, or make to do everything. If not, sometimes we do have people most of their spending and all of that in their one bank. And then they might have a high yield savings account for some of the savings buckets so that they can get more money for that. But best case is one bank. Not that great, but also not that terrible as two banks. But anything above that is absolutely a hard pass. Especially if you have two banks, like Shayna said, that you're using consistently. If you have one bank that's just for savings buckets and you're not using it as often, but to have to transfer between the two, the minimum amount of time you're going to get money between the two is 24 hours. And so then you're working backwards. It's not working for you. It's against you. It's a lot. Listen, there is a messy middle to all this. A lot of people come and they hear our whole system and they get so excited. And they're like, I want the one page budget. I want the separate accounts. I want the automation. I want all of it. But it's on an overnight fix. It's not a quick fix. So we want you to know that there is a messy middle part to find the right bank to open up the separate accounts to get the debit card and our debit card stickers and all that. But it is worth it. We promise in the end it will be worth it to get it all simplified. And we challenge you. If you have multiple banks, we challenge you to say, listen, I'm going to condense. I'm going to find the right bank, the one bank that I'm going to use and I'm going to condense it all. We want to show you how much more simple your life can be with just having to deal with one bank. Right. And so then once you get the one bank, then you're going to have several savings buckets. We've already talked about the savings accounts for that. And then have your different spending accounts. And then, yes, set up the automations. It's hard to not automate. You're thinking in your brain like I'm gun shy or whatever. If you automate it, it will happen automatically. And you have way less chance of messing it up. You're definitely going to mess it up if you're waiting on yourself to figure it out. So it's just whether how fast do you want to do this? And then if you feel weird about it, start it or if you feel something, just start small. If you can open your savings, get the one bank, open the savings buckets, start putting $10 and you show them a paycheck-ish. Give or take, right? 10 bucks. And just start small. It builds the muscle of knowing I am the kind of person who saves money. I can trust this automation. I see how it's working. All of that. Just start small. If you guys do it, nothing else. Start that. Even if it's $5, don't care what it is. Just start it. Yeah. Absolutely. All right. Next question. When I get overwhelmed behind and unable to pay bills and buy groceries usually causes the overwhelm, I tend to shut down and avoid the problem. And then it becomes a bigger problem. So we took this as because of all this, we're racking up debt. And later on, it's becoming a bigger problem. That's I think what we're assuming here. And the one question we want to ask you is, have you been able to make a budget to see all of your numbers in one place to be able to see if you can afford the life that you're currently living? Yeah. Because when you say I'm unable to pay bills and buy groceries, those are all bare minimum. Those are big expenses. Like important ones. It's not like I'm not able to do my hair every month or something. That's not the question here. It's whether I can pay bills and get groceries. So you need to put all of your bills on a one-page budget and see can I afford it. Because probably what's happening is you can afford it, but there's miscellaneous stuff happening in your one account because you have one account. And it's not winding. You're getting behind because you're not organized. And so the numbers on all on one page, like Vanessa said, see if you can afford it. And then if there's adjustments, we always say maybe you're going to cut down a few subscriptions. Maybe I'm going to actually stop eating out every night because now that I see how much that costs, I understand what the problem is. Whatever it is that you can't diagnose that until you get all on one page. Yeah. And then again, that next step, once you do all that, is separating your accounts. You have to separate to simplify your money. Knowing that you have money set aside for gas and groceries is a game changer. It's really going to just make you at peace throughout the month. So if you can get that gas and groceries account open, separate from your bills, again, to know as a mom, as a wife, as a whatever, to know that you can feed your family is going to really help. Yeah. And the overwhelm will stop when you have that bills account. That's all you have to manage when you look at that. Are my bills getting paid? There's $3,000 in there and I have $2,800 with bills. OK, I'm good. Like, good. And then I overhear Vanessa. I know I have money for groceries. That separation and organization is going to take away the overwhelm. We promise that. OK. This person feels disorganized because she has too many credit cards. I think she answered her own question right there. What do you think? Yeah. Yeah. You stop using them. Yeah. And you have to take them out of your wallet. Because or if they're attached to any online platform, PayPal, Amazon, Venmo, all of that. Because the first way to get out of debt and to stop feeling that overwhelm is to stop using the credit cards. What you're doing is you're probably using them and paying them and using them and paying them. But you're not probably paying them all off. So then that balance continues to go up every month. So then you're just in a bigger problem. Yeah. And we see this all the time with clients. So they come in. We need to make their budget and then get them the separate account so they can start using cash, using their own money for all the things that they typically would swipe the credit cards. So that's also what you need to do. Take them off. Take them out. Stop using them as much as you can. That's going to be the first step. You're going to then have your budget to show you what you can afford. And how you can afford to pay cash for things. And then, oh, I lost it. I don't know. Just stop. Just don't take that and then out. No more. And then you're going to, oh, I was going to say, oh yeah. OK. So Shayna was talking about having the separate account and organizing it. Then that requires debit cards instead of credit cards. So when you separate your money and you can see where everything is at, we want to trade those credit cards for debit cards so you can start, like Shayna said, paying for cash and things and using your own money and becoming your own bank. Yeah. It's really important to think about the idea of becoming your own bank where you're borrowing your own money for different things. We'll say sometimes this is harder to happen than you think. So just start. Just make the separate accounts. Just get the bills account going. What will happen a lot of times is, oh, I didn't realize my insurance is on my credit card. Or, oh, I didn't have any money left. So I use my credit card. Or, oh, I can't afford to pay off my credit card now that I'm actually paying with cash every month for our stuff. So then it's like a slower burn to pay it off. That's OK. You'll get there. You have to start now. You have to rip the bandaid, you guys. You have to just go all in for you. Where for you? You're for you. Go all in and do it. And you're going to hate it at the beginning when you're used to paying your credit card off every month because you've been racking it up. Again, that makes you a month behind. You're going to hate it. But it's going to be worth it, like Shayna said. OK. So the last one we have here is, for me, it's the overwhelm of how to organize my money. For example, what type of budget system would be best for me? How many accounts do I actually need? And how do I set money aside and not touch it? And most of all, how can I simplify the process? Did she ask this question? Like, is she a plant? So that we can be like, hey, we have a budget system for you. I feel like that's what happened. Pick this apart. Yeah. OK. So here's why our budget system is amazing. It is literally, and you can ask the people in our Facebook group, they will say the same thing. It is the first thing that clicks for people because it makes sense, allows you to budget the way that you handle money throughout the month. There's income coming in. You pay minimum debt payments. You pay bills. You spend money. You save money. That is why it works. It is the cash envelope system that grandma used to have a long time ago under her mattress. We've taken that and moved it digitally in your bank. We're just working with the digital area in the 21st century right now to be able to make your money work for you, not against you. Yeah. And so the thing is, this is the system that's going to work for you. And when you buy it, we tell you exactly which accounts to open and which ones how to fund them. I will say a little hack of how to set money aside and not touch it. You can hide your accounts. You can hide certain accounts from your view in your bank so that you start saving and you don't see it. That's a little hack, but also that's in the course. So buy the budget that will teach you literally and simplify how to set money aside, how many accounts. All of that is in the course. And like Vanessa said, this is a different way of doing things. And it's probably going to be the system for you. It's going to be the one that finally clicks. That's what we hear over and over. Yeah. When Shana was saying that you can hide your accounts, we actually see that the reason why people could have been maybe overspending throughout the month is because they're not budgeting the right amount of money to begin with. So when they start making a budget and they put the right amount of money in their spending accounts, they end up not pulling from their savings accounts because they no longer need it because they now have the right amount of money for them. But it takes a minute to figure that out because a lot of times we go online and we're like, how much should I be budgeting for groceries? And you're asking somebody else who has one kid versus six kids or whatever. You're asking chat at GPT. What the norm is when you really just need to be budgeting for your life because your life is very unique and very special to you and what you have going on and it doesn't matter what anybody else is doing. Yeah. Okay. So here's the deal. If you have questions like this, if you're like, I have a little anecdotal thing here I want to share. You can go to budgetbestos.com. And we have a brand new program that we sign up for where you can send us a text message, a video or a voice memo. We are personally all about the video or voice memos. We voice memo all exclusively. Okay. If I don't have to text, I'm happy. Yeah. So you can send us that. Or if you're like this last person who has, I don't know, go to our training. We just revamped our free training that we give you how to budget at budgetbestos.com forward slash start. The great place to start. Yeah. It's going to basically show you exactly how to budget and show you all the little bits and pieces of putting your budget on one paper, the five columns and how to do it the right way from the beginning. If you're tired of feeling like your finances are all over the place and you're ready for a simple set it and forget it way to budget, we have something special for you. Watch our automate your budget masterclass at budgetbestos.com forward slash automing. We'll show you step by step how to finally organize your money, how to set up your accounts and put your budget on autopilot. So your bills, savings and spending run like clockwork. Imagine less stress, more savings and the freedom to spend money without having to track every dollar or babysit your bank account. Go to budgetbestos.com forward slash automate to start today.