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Budget besties, can you believe it? 2024 is wrapping up, and we’re here to help you close the year with clarity and confidence. In this episode, we break down the ultimate year-end financial checklist to help you reflect on your wins, learn from your not-so-great moments, and prep for a financially successful 2025.

We’re diving into everything from reviewing your budgets and debt to tidying up your financial docs and celebrating your wins. Don’t worry—it’s not all work. We’re also here to remind you to acknowledge how far you’ve come and dream big for the year ahead.

• Look back at your spending habits for 2024. What worked? What didn’t?
• If you’ve been using our system, use the financial snapshot to analyze trends like your biggest expenses or where you’ve consistently overspent.
• Didn’t have a budget this year? That’s okay! Start fresh in 2025.

• Did you pay off debt this year? If so, celebrate that win!
• If you didn’t make as much progress as you’d hoped, use this time to reflect and plan for 2025.

• What were your 2024 savings goals? Did you hit them?
• Take note of what worked and what didn’t so you can plan for bigger wins in 2025.

• Get tax-related paperwork, receipts, and records in order now. Trust us, April You will thank December You!

• Visit annualcreditreport.com for a free annual report. Make sure everything is accurate and catch any surprises.

• Are you paying for coverage you don’t need? Are you underinsured?
• Shop around for better deals or adjust your coverage to match your current needs.

• Check your accounts to see if you can make additional contributions before the year ends.

• It’s the season of giving! Review your budget and decide if you can make any last-minute contributions to causes that matter to you.

4 Ways To Connect With Us:

1️⃣ FREE CALL: Book your FREE 20-Minute Financial Coaching Call now! Get personalized advice and start your financial journey ➡︎ https://www.budgetbesties.com/freecall

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

3️⃣ BUDGET: Grab our Signature Budget Template! It's your key to organizing and optimizing your finances effectively ➡︎ https://budgetbesties.com/budget

4️⃣ COACHING: Ready to dive deep into your finances? Sign up for 1-on-1 or Group Financial Coaching. It’s the accountability and guidance you need to make real progress ➡︎ https://budgetbesties.com/coaching

"I love Shana & Vanessa and this podcast is amazing!" < If that sounds like you, please consider rating and reviewing our show! It helps us to reach more people – just like you – to help them change their financial future. Don’t forget to follow the show so you don’t miss any episodes! And, if you’re feeling really generous, we’d be SO honored if you would share this podcast with someone.

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This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase!

Get $200 Off Coaching!

Hey, budget besties! December is here, and so are we—with our festive jingles and a checklist to help you crush your December budget. Whether you're navigating holiday spending, bonuses, or travel plans, we’ve got you covered with actionable tips and a sprinkle of holiday cheer.

🎅 Why Shana isn’t in Christmas mode just yet (but her bear is ready!).
🎄 The must-dos for wrapping up November's budget before diving into December.
📊 A breakdown of the Budget Besties system: income, debts, bills, spending, and savings buckets.
🎁 Planning for Christmas gifts, holiday travel, and unexpected expenses—without breaking the bank.
✨ How to stay goal-focused this month, even if you're not tackling big debt or savings milestones.

1️⃣ Wrap Up November:

• Update November’s actuals for spending and savings.
• Learn from any surprises to plan December better.

2️⃣ Start with Income:

• List all sources, including bonuses, overtime, and seasonal jobs.
• Use this number to assign every dollar a job.

3️⃣ Debt Payments:

• Only list minimums in the budget to ensure essentials are covered first.

4️⃣ Bills:

• List recurring bills (bonus points for organizing them by due date!).
• Automate payments for stress-free budgeting.

5️⃣ Spending:

• Cover must-haves like gas, groceries, and personal money first.
• Add in holiday extras like gifts, parties, travel, and teacher gifts.

6️⃣ Savings Buckets:

• Plan ahead for 2024 with categories like:

7️⃣ Paycheck Plan Magic:

• Divide spending and savings by paychecks.
• Use one-time transfers for specific events like holiday parties or travel.

4 Ways To Connect With Us:

1️⃣ FREE CALL: Book your FREE 20-Minute Financial Coaching Call now! Get personalized advice and start your financial journey ➡︎ https://www.budgetbesties.com/freecall

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

3️⃣ BUDGET: Grab our Signature Budget Template! It's your key to organizing and optimizing your finances effectively ➡︎ https://budgetbesties.com/budget

4️⃣ COACHING: Ready to dive deep into your finances? Sign up for 1-on-1 or Group Financial Coaching. It’s the accountability and guidance you need to make real progress ➡︎ https://budgetbesties.com/coaching

"I love Shana & Vanessa and this podcast is amazing!" < If that sounds like you, please consider rating and reviewing our show! It helps us to reach more people – just like you – to help them change their financial future. Don’t forget to follow the show so you don’t miss any episodes! And, if you’re feeling really generous, we’d be SO honored if you would share this podcast with someone.

Snag Our Simplified Budget System!

Hey, budget besties! 🎁 In this festive episode, Shana and Vanessa are talking all about clutter-free gift ideas that bring joy without crowding the closet. If you're tired of giving (or receiving) stuff that ends up in the back of a drawer, this one's for you!

What We’re Chatting About:
🎅 Shana’s fave gift (spoiler: planners!) and why Vanessa avoids clutter at all costs.
🎄 The shift in how kids—and adults—enjoy gifts in the age of Amazon.
🎁 Why cash, gift cards, and thoughtful experiences are game-changers.
🎟️ Unique ideas for clutter-free giving, like subscriptions, services, consumables, and classes.
💡 How to include your family in choosing experience-based gifts—and why it creates lasting memories.

1. Experiences Over Stuff:

• Amusement parks, escape rooms, or bowling nights 🎳
• Sporting events, concerts, or summer camps ⚾🎶
• Family trips like skiing, camping, or even a cruise-the-coast adventure! 🌄

2. Memberships & Subscriptions:

• Streaming services (Disney+, Netflix, or ESPN) 📺
• Audible for book lovers 📚
• Meal planning or meal delivery kits 🍴
• Local memberships (zoos, aquariums, or museums) 🐘🖼️

3. Services to Pamper or Help Out:

• Spa days, massages, or haircuts 💇‍♀️
• Car detailing 🚗
• Babysitting gift cards for date nights 🍼
• Financial coaching (hey, besties—we know someone who can help 😉).

4. Consumables:

• Gourmet coffee, tea, or hot sauce ☕🌶️
• Luxurious bath products or candles 🛁🕯️
• Art supplies, razors, or even fancy pens ✏️
• Fun foodie options like chocolates or spices 🍫🧂

5. Classes:

• Art, dance, or martial arts lessons 🎨🩰
• Music lessons (guitar, drums, etc.) 🎸🥁
• Cooking, photography, or self-defense 🥘📷🥋

4 Ways To Connect With Us:

1️⃣ FREE CALL: Book your FREE 20-Minute Financial Coaching Call now! Get personalized advice and start your financial journey ➡︎ https://www.budgetbesties.com/freecall

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

3️⃣ BUDGET: Grab our Signature Budget Template! It's your key to organizing and optimizing your finances effectively ➡︎ https://budgetbesties.com/budget

4️⃣ COACHING: Ready to dive deep into your finances? Sign up for 1-on-1 or Group Financial Coaching. It’s the accountability and guidance you need to make real progress ➡︎ https://budgetbesties.com/coaching

"I love Shana & Vanessa and this podcast is amazing!" < If that sounds like you, please consider rating and reviewing our show! It helps us to reach more people – just like you – to help them change their financial future. Don’t forget to follow the show so you don’t miss any episodes! And, if you’re feeling really generous, we’d be SO honored if you would share this podcast with someone.

Click here to view our privacy policy.

This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase!