How To Build Your May 2026 Monthly Budget: Plan Your Money Step by Step | 558

Hey guys, we're really excited to bring you an episode to help you make your maze budget, but we're doing it a little differently this month. I don't even know if that's... We sat in with our friend, Carrie, in her private group. She wanted us to go through our budget with her people so we can really see how it works. So we just took that episode y'all and we're just going to give it to you guys. Yeah, so we're going to help you build maze budget. You're going to do it exactly like we do it every month. Again, this is always your cue if you haven't made your maze budget yet. Today's the day. This is your sign. We know that you're going to love her as much as we do. She is on fire. She is a ball of energy and she was so much fun to work with. 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? If you don't already know how to budget or if you're using credit cards to get through the month. 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 the right light. We're Shayna and Vanessa. We're best friends, business partners and master financial coaches trained by Dave Rancy. 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. 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 guest work out of your budget, improve your marriages, 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 workers. And we're not going to 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 Vanessa and Shayna, welcome. We are excited to be here. Just talk about the B word y'all. Yeah, we're going to talk about the B word and we love everything you said. But we agree, nobody's taught you what you're doing is probably the same operating system you had when you were 18. You're probably still doing the same thing. And guess what? Our lives are more complicated. There's more money, things happening. So we want to upgrade your budget system. And we just, I think a lot of people feel like they have to do it. They have to have their hands in it. It has to be done by them all the time. So it's really time consuming. And what we've realized in the system that we put together is that we actually want it to be as hands off as possible and as automated as possible. So that's really, yeah, because we don't have time for anything else. We are busy trying to be healthy, trying to run our lives, run our household, run the kids, the sports here and there, live out your purpose. And so we just want to set it and forget it basically. So John Maxwell said, budget is telling your money where to go instead of wondering where it went. We love him. We love that. But so we're taking that, but we do the next step. We're not just telling your money where it's going to go. We're putting it there. Your bank is going to put it there. And we're going to show you how we're going to build the budget. And then we're going to show you how to make the bank budget do the deciding so that you can't mess it up. Like the more you're, like if you carry, if you're going to the fast food restaurant, you're going to mess it up. So you don't want to be involved in it. You've got, you just got to stay out of it. It's the same with your bank account. We're not going to get you in there and messing around. We're going to set it up automatically so you can't mess it up. And I love carry how you said you have people who have a lot of money and people that maybe don't, don't have as much and they still have the same problem. There's a little stress about money. We haven't gotten to the root of what's going on. Exactly. We could lose a bunch of weight, but we actually didn't get to the root of what's really going on in your heart, your head about your body, food, your worth, all that stuff. Yeah. You're never really going to solve the problem. And we spoke to one lady on a podcast and she said, I am around a lot of people with a lot of money and they say, Oh, I don't need a budget because I have so much money. Could you imagine what your money could be doing for you if you just had it organized and you had a system and you could see it grow instead of this funnel of spending everything that comes in, it comes in, it goes out, it comes in, and then you don't even know where it went. You have no idea. So we just want to change that. If you have a lot of money, then you should be able to help a lot more people because you've taken control of that and you have the means to do that. So what you're telling me and what I'm hearing is for so long with our life and our bodies, we act like we're the passenger in an airplane. We're just sitting back and we keep wondering why we're landing in the wrong place. And so we need to learn how to fly our own plane. And we do that at disruptive nutrition by teaching you truly how to understand your body and focusing on time management. And this is a huge piece of the puzzle. So I need everybody. Like if you are driving, you need to listen to this again. You can listen to it once. You got to listen to it again. We need notebooks. We need a clear head because you need this. I have implemented what they teach. And I will tell you, the last time you guys were with me, which was a few months ago or whatever, I went to the bank, I opened up new accounts, all the things that you teach. And it is unreal how much. First of all, I was like, wow, we're spending a lot more than what we need. Totally automated. It's so much easier than we have ever been. I appreciate you guys so much. And if I do it, you should do it. So obviously, let's dig in. Let's do it. So we're just going to walk through and help you build May's budget. That's what we want to do. And if you're watching this in the future, this budget process, building a budget applies to anyone that you're going to be building a budget. So no worries about that. We just want to show you how easy and simple. One of the things that we wanted to do is get it all on one page. And I think that's really important. We have seen so many different templates of budgets. And they talk about fixed income and variable expenses and all of these other things. And we're like, yeah, but what are you supposed to do with your hands? And so what we have created is a budget with five simple columns that talks about inputting your income, your debt, your bills, your spending, and your savings. I know when we coach husband and wives, we're like, sorry about all the pink and tail, but we're not actually. Sorry, but not. These are my colors. We want you to not be struggling with money. Not an only. You're only struggling probably because it's not organized. It's not that you don't have any. We don't want any of that stress. We want this to be easy, easy thing in your life that is not stressful. And we want to educate because as we've said, nobody taught us. So that's why we're here. That's why we're doing it. So let's dive in. We've taken all the other budget systems, all the other methods, and looked at them and we've condensed it into the easiest, most simple way to budget, hopefully possible. That's that was our goal. We are all about efficiency. So organized. You speak to exactly the type of woman that needs that level of clarity and organizing. And I love that. There are people for sure. Okay. So when you're making it, so here's the thing. This is a budget. Our clients have told us this beautiful. You said it's pretty like the idea here is that budgets don't have to be scary. It doesn't have to be this thing that you don't want to look at. You don't want to handle. You don't want to do because it's confusing and it doesn't make sense. And it's complicated. Yeah. And you know, when you talk about that, like aesthetics, to me, there's two things, right? Like pretty, especially like when we talk about ourselves and our bodies and all of that. It's like there's a surface level ego kind of thing. But then there is a calming piece around things that are aesthetically pleasing when my home is organized, when there's systems, when they're not overwhelmed. It's like clutter, clutter is the mind. And that's what I think the concept of making something aesthetically pleasing is really important for. Yeah. It is very important and something to it. I don't think it's superficial at all. I think it's naturally how we want things to be. So there, so when we say we distilled it down, we really have, there's five parts to a budget. That's it. Hey, that's not hard. You can do this. You only have to get through our five columns here and you're going to be having a budget and it's going to be amazing. Yeah, absolutely. So the first thing we want to obviously do, we say it's the best part of your budget, the best number, which is your income. So you want to list all of the money that's coming in that month. Now, if you look here, we have, this is an example budget. We have Matt and Elizabeth, they both get paid on the first of the 15th of the month. Doesn't matter when they get paid. You want to list them all out separately. Yeah. And also when we're listing our income, it's really important to see how much do we make a month? What do we bring in each month? This is our starting ground, right? You're also, let's say that you get a bonus. You're going to put stuff like that in there or you got a tax return, but you would put that in there and sometimes people don't want to do that. No, we don't mind you spending it, but it is income. You need to put it and plan it on purpose. So we want to see all of that income, anything that comes in the month, we're going to put it here. We even have people who have, I have a tattoo artist who is a new client of mine and she's, do I put in all of my cash? And I said, what do you use your cash for in the month? She said, I pay my nanny. And I'm like, then yeah, we need to make sure we document everything that you bring in. It doesn't matter where it comes from or what you're doing with it, but we need to see it on paper because you be, you should be able to see how much you bring in each month. It's to the IRS. Just, yeah. And it's not, you should be able to see that, but you also should be able to see what your money can do. Let's say her tattoo artist doesn't have to pay a nanny one month because whatever. Then you can say, oh, if I don't, if I do that, I can spend 500 or 1000, let's be real, a nanny, $5,000, whatever she spends on. Almost on, I can put it for a trip or something, but you don't like, especially, this is random, but if you have a business that you have cash, we want to count it because we could do a lot with that money. We want to know where our money is going. At the end of the year, you want to say, I made in tips, I made $50,000 and this is where I put it. Not, I just lost it. I don't know what, I don't have anything. Okay. That's a dead horse. We're done. Okay. So we're done with one column. You're almost done here basically. Almost done guys. And it tallies it up for you. It gives you a place, our system does for you to be able to put the dates in there. And just very clearly, it has extra lines like Shannon said, if you have a bonus or tax return. I see the check marks. Are we checking? Oh yes. Oh, come on. Isn't that beautiful? Doesn't that make, talk about aesthetically pleasing. And it's just so nice. It's so nice. And it's not red. You know what I mean? Like the other budgets are like, it's red or black and all. No, it's just gone. You did it. Check mark girl. You got that check mark. We just like to check, once the check comes in, we verify the amount. Because if you're not on salary and it changes, we want to update it in here. Yep. You just, so the next column is debts. Okay. So yes, we go from the best number in your budget to the worst. We understand, we love you. We're trying to rip the bandaid here with the debt. Let's just get it over with. So this is a, sometimes an eye opener to see how much am I actually making in monthly minimum payments. And in this case, they've got 12, 70 there. Oh, actually they're monthly minimums are eight, 94. So they're paying $900 towards debt a month. So that's something, the reason we put this here is we want you to know this column can disappear. You can get rid of this and that you would know once I get done with debt, I've got $900. I'm going to be able to put back in my budget and do whatever I want with. These are all things debt line items that can disappear from your budget forever. We want you to know that it can go away. And we also want you to only put minimum payments here because we're going to do extra on debt at the end of your budget, but you're only going to put in here with your minimum payments to begin with. What about mortgage? So we recommend you put it in your bills column. Now, if you were like me or I have a couple of clients like that's their only debt and we are focused on paying it off, we do move it over to the debt column. So that is the number that they're focusing on. Yeah. But for now, we usually have the mortgage going to bills. So you're going to put those in there only your minimums. A lot of people have they're paying a little extra here and a little extra there. We're not doing that once we get to the extra on debt. We're just putting the minimums. What we want to do is say, okay, bare minimum, what do I have to pay on debt? And that's the number that we're grabbing here. Yeah. Okay. Makes total sense. Love it. So that hopefully was short and sweet. It's not very fun. And just so you know, we do have a debt tracker and this, there's a lot that happens with our budget system. We have, you're going to put all your like actual balance or interest rate. And we have a debt snowball and a debt avalanche tab that will show you when you can pay off your debt based on. I love that. So it changes, it changes everything. And so this person. You just paid really quickly. What do you mean by snowball? There's multiple ways that you can pay off debt. One of the most popular way is the debt snowball, which means if you have, you're making a budget and your budget is saying, I have $500 to be able to put extra on debt. You're going to put that on the smallest debt that you have first with this, with, would I say smallest, the smallest balance of interest rate. And so you're going to put it on that. And then when that is paid off, you're going to take that $500 plus the minimum payment on that debt that you have to pay anyways, and you're going to roll it into the next highest one. And the same thing. So the snowball gets bigger. And it's like, yeah. And that's typically popular way. We also have a tab here for you to see how Avalanche would work. So in this case, they would, with their $500 extra, they'll be able to pay off, be out of debt by July. If they're, if they switch it, it'll be by June. So it's actually not that different. So this is the Avalanche method. The Avalanche is tackling your highest interest rate first, not your lowest. And math nerds love this version and we're forward if that's what you want to do. And we want you to see what's possible with both methods. So an example of that would be if you had one debt that was $1,200 balance and another debt was $1,300 balance, but the highest one had a higher interest rate. But for the snowball, you're actually supposed to pay off the $1,200 first. But we would tell our clients, no, let's tackle that $1,300, especially if the interest rate is like 20% difference. Okay. And then just really educating and then you get to make a choice. And there's one more method that we do, which is the minimum payment. And we didn't, we, like sometimes people will have a random furniture loan or a car payment that if they could tackle that, they're going to get like $700 back into their budget, even though the balance might, or the interest rate have nothing to do with it. It's like, we want to get back, back so we can start paying off the little stuff. Sometimes, so that's why we don't, we're not cookie cutter. We're not telling you only debt snowball. You might get a tax return and pivot to do like a big Avalanche, kill your biggest, and then go back to debt snowball. But we have all the tools here. I just wanted to show you, we have all the tools here. Especially if you have a tax return. So if you get like $5,000 back on your tax return and you have a car payment that's $900 a month, and let's say you have $4,000 left to pay on it. We've had some people say, why don't I pay off the car payment? The interest rate on that is only like 2.9%. I want to use it to pay off my credit card. Yes, but you would get $900 in your budget every month if you just wipe it out. And so that thought process, and we've talked to many people, they're like, I've never thought of it like that before. I've only, no, everyone always talks about minimum payment or balance and interest rate, but you really want to look at it and make the best decision for you because it's different for everyone. And that's why, partly why this budget is so cool is it does all the numbers for you, so you can play around and see what makes the most sense for you without having to do the math yourself. That's important, you guys. That's important. There's not enough coffee in the world that makes me want to do that much math. All right, we're done with debts. We did a really good job. Maybe even pay them and they still go away, which is so fun. Okay, so now we're on to the bills column. Yep, so you want to put everything that you pay every month as a bill. And a bill is defined, we define it, as something with a due date. Okay, so things that you are getting consistently charged for on a monthly basis, that is a bill, your mortgage, your utilities, your kids tuition, your auto insurance, Netflix, gym membership, all of that. Okay, even that none of that is spending. A lot of people try to get confused and like, yeah, but your bills are only what's needed and all the other fun stuff is spending like, no, if you get charged for it, we're just for simplicity purposes. A bill is anything that has a due date that you're getting charged for every month. Yep. Yeah, so part of our system is you're going to actually have a separate account where all of your bills and debt payments come out of. It is a separate account, it's called your bills account. Bank account. Yes, it's own separate bank account. Good idea. Yes, and it's magical. So we start with the income coming into the bills account, all of your income direct deposits into the bills account, right? And then you set up all of these bills to come out of it automatically. And then you don't have to worry about your due dates, you don't have to worry about going in manually and paying, you can just have a bills account. And we're going to talk about them and it's separate you're spending and your savings over here so that no matter what happens, your bills will get paid and you can feel really good. And it's your bank account is basically your personal asset making your bank. Imagine having an account knowing that your money is coming in and it's flowing out and what's staying in there is just to pay bills and doesn't matter. You no longer have to attach a certain bill to a certain paycheck, which is what we see all the time. Everyone's this paycheck does ABC and D then this paycheck is when I can actually eat and buy food for my family. Imagine just dumping all your money in there and only taking out what you need, which we'll talk about in a second for spending and savings and everything else is left in there and your bills are just being paid automatically and you don't have to think about it. That's the vision. It's so powerful because we had everything in one account and then it was just messy, lots of transactions and there was really no way to now I see because of that account. It's actually super easy. It's super easy to see because it's just it's the spending that just happens. Talk about we were talking about clutter before. That's what it is and that's why we decided we teach to separate it because like you said, you have dance class coming out and then you have getting McDonald's and I'm like, you're like, who? What? Well, I taught you nothing. Anyway. Yeah. We okay. So you have and then you have you get in your hair done and then you have your mortgage and then it's like such a mess. It is a mess. That's what you call it. It's true. So just by separating it, you will be able like you said, I love the bills account because I tell people you really are going to have 20 transactions max in this every month and it's so easy to understand and make sure everything happened and check it off and reconcile like you said. And it's really exciting. Yeah. And the same will be true for your spending as well. Like you'll very clearly be able to see about your spending at a glance. If I get my nails done every two weeks, does that go in a bill or that? Okay. Yes. I love that. So I'll say our little tagline for this is you're going to separate to simplify and that's really what it is. We are separating this account to simplify your life and simplify your transactions to be able to see actually what's going on. Yeah. Okay. So we talked about income. We've got your debts and your bills, which we know now your debts and your bills are being paid from that bills account. So let's go over to spending. So spending is anything that you are swiping for, you're paying cash for, right? You're tapping for like this is where you live. Like to say this is where you live in your budget. This is where you are making all the transactions basically manually, whether it's clicking that buy now online or you're paying in person. Yeah. Okay. And so we basically have what we call the big four. The big four are the main categories of spending, your groceries and gas, your personal pocket money, which we're going to get into, restaurants slash entertainment, and then your kids. Okay. Those are the four main spending categories. So let's talk about gas and groceries. We put those in the same account. You have a debit, you're going to have its own debit, its own account and its own debit card. So you always have money for groceries and gas. It's really important to carry. You can, you don't have to live your life riding on that E. If you still want to, you can, but you will always have money to get gas and you don't have to get made fun of by your husbands. I ride on E voluntarily. Yeah. I have a partial electric. So it's like, I just drive as far as the electric goes. Yeah. I'm not going anywhere else today. I just pride myself like I'm so adulting in my 40s that when my husband gets in my car, there's gas in it. I feel like really good about that. All right, budget besties. 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 going to 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 going to give you permission to spend. Everybody loves that. 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. Back to today's show. So you have the gas and groceries. We also have restaurants. It's called restaurants, but you would call it entertainment, family fun. It's really any, maybe we're going bowling or we're going to the movies together as a family or we're going out for pizza or whatever. That's where that is. And that needs to be separate. It does not come out of your grocery budget because guess what? It's not groceries, but we don't want them to be. We had a client come to us and she's, oh, when I found out how much we were spending on eating out, I wanted to throw up because they were, it was like $2,000 a month, which is really easy to do. So it makes a good point because we always talk about no guilt, just data. And if you don't have the data to be able to look at, then you just, you don't realize it. The point is to look at it and decide what you're going to do about it now. And that's what we tell people when, before they set up their budget, if they're like, I have no idea what to put in here. We tell them to go back and do a 90 day audit, which is go back and take three months of bank statements in a normal month. Don't do that during Christmas, but take and really look and see what you're spending your money on. So that way you can put a number here. You're not going to get it right the first couple months. And that's okay. What we're doing is we're putting something on paper and figuring out like, is this the right number for me? And eventually in a couple months, you're going to get it right. Just to add on no drama, but we, to your all point, we want you to have on purpose an amount. It's whatever amount you want. If you want to. Be realistic. I'm only going to spend $500 on dining out, but every single month go over, but still put $500 every month. Change the number. Be realistic. But if you're like that client, they wanted to go from 2000 to 1000 because they wanted to know that their money was going to something else besides fast restaurants. That's fine too. Just decide. Okay. And then we also have a personal pocket money. This is a fun money, whatever you want to call it. You have to have money to spend. You're going to do it anyway. So we're going to plan for it. And you make good money. Yeah. You, you are living your life. You're working hard. You should be able to spend money on yourself because the reality is throughout the month, you're probably going here, going there, like hoping that the card is going to, cards going to go through because you want to get something for yourself, but you actually don't know if you can and you are, do you feel guilty about it? There's just a lot of that's happening. And so we want to, like Shayna said, on purpose, put aside a certain amount of money for yourself, whether it's target ones, Starbucks, that bracelet you, you're looking at, copy date with a girlfriend or whatever. But this is a no judgment account. We want you and your spouse to each have their own separate checking account with your own separate debit card. So that way y'all can spend your money how you want. Okay. Because we want you to be able to open your bank app and say, yep, I got money for groceries. I've got money for me. I've got money for all the kids actively separate. Groceries, gas and restaurants. So we recommend gas and groceries is together. It's pretty systematic. You've been the same amount on gas and groceries every single month. In your mind, for the most part, give or take gas and groceries are a necessity. You have to do that. And they go together. They're both cheese. But restaurants is more discretionary for funsies and we want you to separate those. And also so you know, I know when we go to restaurant, this is how I'm affording it. And I also know I can go to the restaurant and I still have grocery money. It's not all coming from the same pot. I love this. I love this. But you would, how do you keep track of your debit cards? So you would max, if you have a kid's account, you'd max really only ever have four debit cards on you. And because remember the bills account, we're not keeping that debit card on you. We're not spending money out of that. So you're only going to keep debit cards on you for the account setter in the spending section. So let to recap, because there's so many of them. The gas and groceries one that we talked about, we have like Shannon said, the restaurant one, which is like family fun and entertainment things like that. That's entertainment. Yeah. We have your pocket money one. And then the one that we don't have on here, we were talking about is the kids. Give your kids, have friends that have birthday parties or they want field trip money for school or whatever. So really you'd have four. And the fun thing about it is that banks have different designs. You can choose from, you can label them. So there's options. So how, and we have labels too. We're getting this made. But I did want to deep dive a little bit more into the kids one, because this is one of those things that really breaks people's budgets because they'll cut, they'll do this. They know how to write down their bills. They know how to, even if it's a guest, they know how to guess how much they spend on groceries. The kids is, I didn't see that coming. And it's like, sometimes it's like whatever they need. So we want you to have a separate item for this so that it doesn't break your budget. And also, mom, hey, usually it's your money that this is coming out of. So this is why you feel like you never have any money. So we're going to break that cycle and make a kids account and section of your budget so that you can plan for it. How you plan for it is up to you. Some of our clients easily spend $1,000 on their kids a month and they don't bat an eye. Some of them have $50 budget per kid each month. And that's what, that's how they want to make it work. And it's just up to you. If you have like, we had volleyball, right? And volleyball. That's going to be separate. Yep. That's, that was like $1,400 to $3,000 at a time. But like once a year. So that's a savings bucket. So we're going to get savings. Okay, got it. I'm ahead. No, it's okay. We'll talk about that. When you put things in your monthly budget up here, like those, the income, the debts, the bills, the spending, like those sections up top, not your savings buckets. These are all things that are happening in the month. They're happening all the time continuously over and over again. So that's why, and we try to dump them into categories. Shayna said, you have gas and groceries. Doesn't matter if it's toilet paper or hand soap you're buying, like it's everything you're going to buy at the grocery store and gas. Yeah, household. Yeah. It's just easier. Pocket money is everything for yourself. You want to throw your nails in there and do that. You want to put it in a savings bucket. We can talk about that. But we just want to make it simple. A lot of people will get in their head and they're like, I just don't know how to categorize this. But just pick one and then stick with it. Okay. And so the last part of spending is your stuff that comes up each month. So this is really for the most part, Carrie, the only thing that's going to change month to month. Once you build this budget, it's done, except for you have to, you're going to change your debts because those are going to go away. And then the little things that come up. So for example, Mother's Day would be in May. So you might need to set aside some to take mom to brunch or whatever. So those are the things. Even if you have, maybe you needed something extra for the house or whatever, you don't have a savings bucket. Springtime flowers, things like that. Just whatever is this month need, you're going to plan for that and put it in there. Yeah. So the idea here is that this money, and if you look, we have really cute emojis on the side. Right. So the top ones that are, they're little debit cards. Those are showing you that you're going to use a debit card to be able to spend that money, right? You're using a checking account. So you have a debit card to spend that money. The little cute calendars at the bottom, we like to put those there because it's like a one-time thing. This is happening once a month. It's one time that you're going to grab the stuff and then you're going to, you're going to pay for it. So this money actually sits in your bills account until you need it because we're not transferring it anywhere because it's month specific. So it changes all the time. I'm going to set the top half of the spending stuff. That happens systematically. So we're going to talk about how we transfer the money into those accounts. But the, in the month ones, those happen once a month. So the money is going to sit in bills, which is great because people again are like, I'm so nervous about money being in my bills account to make sure I can pay for bills. Yes, you have extra sitting there because you're not going to spend any of that until you need it. Let me just make sure I understood what you're saying. So mother's day, that $100. We're putting that sitting in the bills account. Right. Because remember that's where all your money funnels into. Like you're all of your into there and then like I have an automatic transfer that transferred to the other accounts. When you need that money, because it's month specific and you're not setting up the automatic transfer, when you need it, you'll transfer the money and you have it. Okay. Let's go and talk about this. So when we say we want it to be automatic, we're, and we have a system. Now you have a budget that tells you every month I need $1400 for groceries. I need 400. This tells me what I'm doing for a month. So then we're going to set up a paycheck plan, which is going to help you actually do the thing that your budget says. Right. So if we're looking at May and there, we're going to do every two weeks because they get paid every two weeks or the first and the 15th. Right. So that's what this is showing. It's setting, telling you. So what you're going to do, like you did, Carrie, is set up your automatic transfers and it tells you right here, if you're going to set up on the first, you're going to do the 850 to your gas and groceries account. You're going to do 200 to your pocket money account and you're going to do 100 to restaurants. And that can be set up automatic. You set that up to happen. Every bank has an option for the first and 15th. They have an option for every week. They have an option for every two weeks. They have an option for once a month. Actually, they have all of these options you may not know. And so you set those up to go automatic for the rest of your life until you change it. I didn't know I could just open up extra checking accounts. Fees. Yeah, that's the big thing is like people just don't realize the benefits that their bank has. They just have to go find them and ask for them. So there's a lot there. And so just to recap before we move on to savings, what has happened is all of your income came into the bills. It's sitting there paying bills as it's needed. And then every first and 15th, it's putting money in all of your spending accounts so that you can spend money and you don't have to do anything other than these three things are happening automatically. They're already going. You can't be bad at budgeting because it's doing it already once you set up our system. That's what's so good about it. So that is why, yes, you're going to have $250 pooling in that bills account, but you're just going to grab that as you need it and put it in your personal pocket money. And you go swipe that. That's the account that you use for the random or little things that you need to spend money makes it in the reason why we don't go change the reoccurring transfers every month is because that's more annoying than knowing that you need to just use 50 bucks for someone's birthday or whatever. $150 there that you know you can just one time transfer it over and it's easy. We're using that. We're not doing credit cards for no credit cards. You're using dead. You make too much money to be relying on debt. You're in charge of your money. You are off every month. You spend more money because you're using it. The credit, they know that you're spending more money. You're putting more on it to get these quote unquote points that you don't actually need because you're actually going to make more money with the amount of money you have in savings. But it's just also, it's not, you're not budgeting if you're using a credit card. And you're not in control of your money and you're not being a good steward as much as you could be. Okay. And we know that's what you really want. It is from decades and decades of research. So as much as you may think that you can handle it and you want the points and all of that understand this is behavioral science. It's been, it is. So to that point, when you're able, when we're going to get to the savings buckets, which most of the stuff that you swipe for are these things that you don't know how that you didn't plan for, we're going to help you plan for them. And when you open your bank app and you have $5,000 in your travel account and $4,000 in your Christmas account, that is going to be feeling so much better than how, okay, that's a small game. You're playing a bigger game, right? Yeah, to win. Yeah. We like to say that people, when you're focused on people who this is, this may not sound good, but poor people are focused on their credit score. Like that, it's a mentality. It's like, it's a poor man's mentality of trying to figure out what my credit score needs to be. It's a fake number that somebody made up for you to think that it's important, right? And what we want you to do is focus on how wealthy you are. And by that, like we're going to focus on the amount of money you have in the bank. That, like Shayna said, is the long game. That is what, that's the vision. That's the goal. Okay. So the last part of the budget here is savings. We have $3,200 left in this budget. Look how much this budget has already done for you. It's $11,600 a month. Okay. And they have people, yeah, between two people, they don't have that much debt, which is great. We have their bills. They're actually having, they have $500 payment towards tuition for their child. They have their mortgage, their tithing. There's a lot happening here. Yeah. And so then they have all of this money, okay, to divvy up with their savings buckets. And we're not going to go super into this. You can, you can buy this core, this, but this budget system is for sale, along with training courses to really go into each thing way more in depth. And just like Carrie's program really quick, you get lifetime access to it. So you can always come back, look at it. We watch the videos again, you get the updated template. If we ever update it, which we are going to in a little bit, because we found some more things that we want to change, but you always get that updated version. Yeah. So savings buckets are, we're, they're going to be separate accounts that you're saving for something specific. A lot of times people have general savings. They don't really know what they're saving for. They don't know how much they need to save. They just have this feeling that I should probably save. And then they usually, like we talked about before we got on, they steal from it, right? Because they don't, they didn't plan. They're just, they have a half a plan, which is something. I'll give you that, but it's not a real plan. So what the savings buckets are is all of these big expenses that are going to come at you that are coming. And there are people usually call them unexpected. Oh, I didn't realize I was going to have to get my oil change. I forgot Christmas. Yeah. Or volleyball for the club fees for volleyball. Like all of these things are not necessarily unexpected. It's just like we're busy and we don't think, we forget, we don't plan. So that's what we're going to do here on purpose. Some people really struggle on, do I put this money in a savings bucket or do I pay on debt? Okay. There are, sometimes we'll make somebody's budget and they have so much debt that they can't start these savings buckets yet. We want you to see that these are not maybe expenses. These are all going to happen. You are going to spend this money. So what we want to show you is that we want to budget ahead of time for it on purpose. Shayna is showing the savings bucket tracker right now, which allows you to plan out your year. So everything that you don't spend month, monthly, you come in here and you go, okay, I think I spend $120 on gifts. This is just a small one, but it's, I think I spend this much on gymnastics. You get to, you get to figure out how much you cost in a year. And then you take that monthly budget number, you stick it in your budget. And then you honestly can say, that you were budgeting for your life. Yeah. Give or take. Sometimes if you need it in three months, we have to give taxes or do, we will coach you and help you, but you can, you'll be able to figure it out once you learn more about the system. Yeah. These are the things that you normally would put on debt. So we do want to plan for them and put them in our budget before we, we pay on debt because we don't want you to have to revert to using debt because you didn't have the money. So we're going to put that money. So all of those are, are made. Only thing I did want to say is when you said I get my nails done every two weeks, that is something that people get like confused about. So just really quickly, all of your stuff that's not monthly, right? It's confusing. It's six every six weeks or whatever. You take that amount, you divide it. You see how many times you go a year. That's what we want to do. So if I have, if I go every two weeks, I don't even like to do two weeks. Let's do this. Let's do a hair. Let's use my hair that I go every like, like seven weeks. So if you, so yeah, the idea here is that you're taking your hair appointment that you do every seven weeks, you'll do 52 divided by seven. Yeah. That'll tell you go about seven and a half. So let's just bronze it up to eight. You go eight times a year and it costs you $100. Then I'm going to put $800 here. Yeah. That's how much I spend in a year and it will tell me, okay, just set this aside. And cause what we want is not for you to get to the hair lady and be like, Oh gosh, I didn't, I forgot that I had this huge $300 appointment this month. You're going to have money set aside in a glam up fund so that you can always just have it. And you just, this is what we're talking about. We want it to be easy. The thing that people say the most, one of the things is I always know where the money's coming from. We want you to have know where the money's coming If you look at the savings bucket, you're saving, this person is saving $2,900 a month in their savings buckets between all of them. You're not going to make more in credit card points than you are in interest when you use a high yield savings account to save all of this money. Okay. You want to continuously put $2,900 every single month that's making three to four, sometimes 5%, depending on the market on all your money every single month. And it's just compounding as you go. Okay. And different account for every one of those. Yes. Yeah. And we know that you feel like you might, but it's organized for you. Just imagine if you know how people use this stuff, cash and envelopes, and you had all these super envelopes, it's like that, but digital. And it seems overwhelming, but it's not when you open your bank app and you're like, look at all this money I have everywhere. It looks like columns basically. Right. It is. Yeah. Like I opened up my bank account, Carrie, and it's the kids education, vehicle fund, home fund. I know that we can now go replace my back door, a screen door that needs to get done because we have the money in there. Hey, I'm her budget bestie. And I know they're not going to do it. That door is then needed to replace since I've known her. It's fine. I love it. I love it. It's definitely what they did. I'm okay. That's already done. In theory, she can do it. So I love that because I don't think people realize when you go online, you can change the name of the account to the name of that thing. Your bank, the bank is going to be like, okay, you want eight? Yeah. No, it's yes. I said eight savings accounts. Yes, please. Thank you. I'll take that. You went to the bank, Carrie, because that's the kind of human you are. Do it online if you can and nobody can. Nobody will look at you. Listen to what I did. I went to the bank and then this woman was like, oh, we're so happy to have you as a customer. I now email her and she opens up a counselor. It's like I have my own. I'm so fancy. Your concierge service. Yeah. She's ready this for everyone. And I'm like, oh my gosh. Yeah. She actually delivered all of my debit cards to my house. What bank? It was M&T, which I was like, yeah, but I wouldn't say that's how. Anyway, she's been amazing. I have all your debit cards in. We are working on making our own bank, but we just haven't gotten it. You can help us with that, Carrie. Okay. So again, the paycheck plan is going to show you. Okay. So the savings buckets are going to be digital. So what you're going to do is say every time that you're the first and the 15th, because they get paid, you're going to pick a pay schedule. It doesn't really matter when you just pick one. Like we talked about the categories, just pick it and stick to it. It doesn't matter. Okay. But for them, on the first and 15th, they're going to set up all of these transfers automatically. So every first $340 is going to annual bills and 250 is going to travel and the 15th, the same thing is happening. So by the end of the month, they will have added all of this full amount to those buckets. Maybe sometimes they use it. Everybody say it with me automatically. Automatically. This is so mind blowing, because even though like I do this, I'm hearing you say this and I'm like, nobody does this. Like you guys are teaching something that is so disruptive to like initially, and people don't like new and I want to just warn you all, if you are saying to me, I can't do this, I can't do this, I can't do this. And you do to realize that as a racket. And they have been doing this for a very long time and have successfully helped so many families get themselves to a much better place. Take the racket out. They know what I'm talking about and pivot on that and say, what if I actually did do this? What would this look like? And it could literally change the trajectory of your entire life. Absolutely. What's funny, we usually have husbands that are like, hold on, more than one checking account. I'm not really sure I can handle that. And literally they're the ones that are coming back two or three months later going, this has been the best decision. I know exactly where my money is going. I know how to spend it, why I'm spending it. It's just so clear. And like we said, separate to simplify. It may seem like a lot of accounts, sure, but you find the right bank that'll work with you, which there's thousands out there. And it is like Shana said, it's so nice to be able to pull up your phone and see all the money that you have and where it's going. Spreadsheet that's like saying this one bank has $5,000 in it and you've tried to decide how you dogged it. It's never going to work like that. No, most apps and budgeting systems are actually teaching you how to be an accountant and track. Like you said, reconcile and see what happened. What we are teaching you, like we said, the budget's telling you your money where to go. I made a plan and then the automation is making it happen. You don't have to track anything. There's no need to. I mean, you're done your app and you're like, I don't have enough money. Yes, that's all you have to do. And then you drive home. Yes, you turn around and you go home because you don't have no credit cards. So you're just not doing it. But it's just the old way is a reactive system. So we there's a lot of budgeting quote unquote apps. They're not actually apps. They're bookkeeping and accounting apps. Like Shana said, what we are teaching you is actually how to budget. We're putting your money there on purpose. It's proactive. It's before any of that. You don't have to track anything. Yep. You can check Mark. That's all you have to do. It's like our nutrition approach. We don't track it. Nope. It's just so aligned with the mindset of living with we say food freedom. You guys say financial freedom and freedom doesn't mean you get to do whatever you want. Freedom means you live with intention and you don't break promises to yourself and you are focused on what really matters for the right reasons. Yeah, freedom means you're living according to what you want, what you always tell you, what you aligned to not just this reactive way of doing things. Okay. Chase needs some extra money. Our budget is so less. Listen, they said you made a lot of money and you budgeted most of it. But look, you have a little bit left over. What do you want to do with it? Unfortunately, you have debt. So that's what we're going to work on. But otherwise, you would be able to save it or put it, you do something fun with it. But here it tells you exactly how much is left over. So we're going to go, that's when we're coming back and saying, how much am I putting on debt? Remember, we said at the beginning, don't put that yet. You only made the minimums now. And they went real hard and heavy on their savings buckets. If you want to do, you don't have to. You don't have to be putting 3000 in the savings buckets if you don't, if you want to focus on paying off debt first. So anyway, but they're going to put $376 extra in debt. Yeah. And if you notice, we have your payment here. So when you use a firm, you have now entered into a debt agreement. So you put that there and then when you pay it off, now you have another $250 to be able to play with each one. So each time you pay one of these off, it'll go back into your budget and you'll be able to pay extra. And so the only other thing, I know that we've been talking a lot, it's a lot for people to absorb. They're going to do a great job. It is so good. But the drinking from a firehouse, you're welcome. The thing I wanted to show you is there's so much, there are so many bells and whistles on this system, but one of our favorites is, let's say you get a new bill. What is it? What do we get? Spa, like a membership, like a yoga. Like a yoga. Yeah. Oh, yoga. Yoga. Not yoga. Yeah. Monthly membership. So it's not in the budget over here, right? This is a brand new, unchecked, fresh set of downs budget for you, right? For Jan. Oh, but if I put it here, because it's a new bill and I have to, I always have to pay it. I don't know how much it is, $89 and it comes out on the 7th. It's automatically in every budget going forward. You don't have to go change every budget. I was just wondering. So you put it automatically went up into June and July and August. Yes. Every month from there on out. They're like spreadsheet geniuses. Like, why would you want to retype your budget every month? That's no kidding. Off. It takes off just that month. In every month going forward. But it doesn't ever change anything going backwards. Okay. That is genius. So I, and look here too, we're going to delete these. This is the only thing that we ever have to change in our budget now because everything else is automatically or, and then this one might change given on what happens, right? But everything is, that's what we're saying. You do this one time, you make the plan, you set up the automatic transfers and you have to spend like 10 minutes budgeting every month after that. No, this is insanely amazing. And I am sure that there's a lot of you watching right now and then you're like, okay, but what about this? But what about this? Because you feel like you have all these nuanced kind of situations and all of that. And that is why this is a tool I wanted. This is amazing where they are spending time with you teaching you this, teaching you their spreadsheet, but also a philosophy and approach that doesn't exist anywhere. And their spreadsheet will make this absolutely so simple for you. So you can go and get the spreadsheet. It will literally cost you less than when you run to target. It'll cost you less than what you spend a month on protein powder. It's so reasonable. I actually think they should charge more for it. And who knows, maybe there'll be another little bonus. Another special bonus. That's not the reason. It's already inexpensive enough. You don't even need the discount, but take it if you will. We're working on that. Okay. But also, I want to just show this because getting the budget is going to be fine, but it's a little bit to me like getting a meal plan. And a meal plan is fine, but it doesn't get you through the nuances of your life, your lifestyle, what you need. So I want to play for you a new client that you guys had who's one of our clients and coaches at disruptive nutrition. She sent me a message the other day. And I want to play this because I need everybody to recognize the power of coaching when it comes to your body and your lifestyle. And I want you to think about the power of coaching when it comes to this, because this is equally as important. So listen to this. First coaching call with Vanessa. And I just wanted to tell you that she's amazing. And she put me at ease because I was so nervous to do it. I spoke with her last October for the first time. And then I had another trial in March and I decided to just fight the bullet and do this coaching because I knew coaching works. So I just want to let you know. And so thankful for the guest coaches you bring on because it opens up different avenues for people that may not know to look for something. So thank you so much. I love that because I think that is really speaks to the importance of doing this right. And so I want you, everybody at the very least should be going and getting the budget. But can they like book a call to be able to talk to you to see what coaching would look like? How does that work? Yeah, absolutely. We have a call that you can set up for three, 20 minutes and just what is coaching? What does it look like? How long is it? Just all the questions with the system as well. Yes, there is so much value in one-on-one coaching that there are some people that absolutely need that short-term investment in themselves. With the system, you get lifetime access. There are also monthly group coaching. The third Monday of every month you get that. Girl, we are given this thing away. So if they get the system, which is literally less than your trip to Target, they'll get a free spreadsheet. You get the whole entire course that comes with it. And there is monthly group coaching where you can come ask your questions if you're there. Okay. But so that's great. And then there's also coaching. So the thing is, Carrie, you know how you got the system and watched videos and did it and you're a magic and you have your bank is your... Some people are like you and they are DIY-er. They're like, I get it. I just need to get there faster. Some people are like, look, I know I'm not going to watch this videos. I know I'm not going to actually do it unless somebody's there with me telling me what to do. That's who the coaching's for. We would rather just pay to tell have somebody transfer the like brain to brain knowledge and watch videos. Then yes, then your folks would go to budgetbessys.com. For slash coaching and that's where you can book that free call and you'll talk to Vanessa and she'll tell you about it and see if it's a good fit. Yeah. And it's really awesome to be able to walk through this journey with somebody and you get... There are session recaps after each call allows you to not think about what you have to do. We have told you, hey, in between sessions, if you do ABC and D, you're going to be on track and you're going to be crushing it. And that is what they're paying for. They're paying for like the decision anxiety, not having to do that. Somebody else is doing that for them. And there's no judgment like the vulnerability of debt and how much you make and all of that. Like these two women couldn't be more love driven and judgment free. They've seen it all. And the whole reason they're doing this is because people are struggling. And so they know you're going to come in struggling, but their goal is to get you to leave empowered. When if you go DIY and you need more support, then great. Then you can go connect with them later, but they are thorough. Like I've had you guys on a couple of times now because there's just nobody out there doing what you're doing as well and as intentional as what you're doing. So I love your service and I just need all of you, my members. I don't care what your financial situation is. You need this. I love... Thank you so much, Kara. Thank you for the kind words. We love what we do. It's been a blessing to be able to help so many people around the world and it's fun. I'm just so grateful for you. And go make your May budget. May is the month for you. May is the month you're going to get it together. Let's go. Mighty May. Let's go. Oh, I like that. 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 automate. 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.