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Financial Coaching for Women: How To Budget, Manage Money, Pay Off Debt, Save Money, Paycheck Plans

Ideal Balance | Vanessa & Shana | Christian Financial Coaches | Dave Ramsey Fans

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***TOP 1.5% MONEY & FINANCIAL SUPPORT PODCAST*** Do you make good money but have nothing to show for it? Tired of using your bank account & credit card balances as your budget? Want to get debt-free but don’t want to sacrifice everything to do it? Ready to save money and build generational wealth? You’re in the right place! We’re telling you exactly how to budget, pay off debt, save money & stop living paycheck to paycheck. We’re Shana & Vanessa: BFFs, business partners & Dave Ramsey Solutio ...
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Are you a full-time working mom who has been blindsided by your child’s disability diagnosis? Do you struggle to afford medical bills, special equipment, therapies, and caregivers- while you continue to further drown in debt? Do you wish that you had step-by-step financial guidance so you could attain the financial stability you desire and spend your precious energy focusing on your special needs child? You are in the right place. My mission is to equip special needs moms just like you to cr ...
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Welcome to ”Empowered Wealthy Women,” the podcast that sparks the transformation of your money mindset, empowering you to pave the way toward financial success and wealth creation. Join me, Joy Rowland, as I share actionable tips, insights, and strategies designed to shift your perspective on money. From debunking limiting beliefs to sharing practical tools for generating income and fostering a wealth-building mindset, I’m here to guide you through the process. You will build an income-gener ...
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This podcast is about being smart with money and knowing the proper path to pay off a huge amount of debt in a relatively short time. My wife and I paid off $70,000 worth of debt and built-up $60,000 cash reserves in just under three years and I would love to help people on their debt free journey.
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Today we're making a budget for March! This time, we're not just talking theory; we're bringing you practical insights from a live call that launched our group coaching program. Get ready to dive into everything from grocery bills to savings buckets and investments. Key Highlights: 1. The Importance of March Budgeting: March brings unique financial…
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Show Notes: Friends, try training your brain to practice enough mentality. How much is it really required to live a healthy simple lifestyle? And remember simple is always more: more freedom, more space, more rest, more health, more peace, more happiness in your marriage and relationship with family, and more money in your pocket. Instead of buying…
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Many people say that money isn't everything. This subtle and sneaky thought keeps many people poor. Money isn't everything and yet we live in a world where money is needed to survive. Whether you like it or not, money is power. To make money you need to believe that Extraordinary Success Includes Lots of Money. Join me as I explore this concept in …
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Snag Our Signature Budget Template! 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.myidealbalance.com/freecall 2️⃣ FACEBOOK: Become part of our Supportive Facebook Group. Connect, share, and learn with others mastering their budg…
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Show Notes: When my son Dave was born with Down Syndrome and being a new mother of a child with intellectual disability it affected my self-worth. Automatically, not even giving much thought or consideration I fell into a trap of a very low self-esteem. I immediately was thinking of how others would look at my son what hardships of cruel societal n…
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Sign Up For Group Coaching! Ever felt like Dave Ramsey's money rules just don't fit your life? You're not alone! This episode is all about why some folks struggle with sticking to Dave's plan and how there's a different way to do money that feels right for you. We've been there, done that with Dave's methods, and while we're all for getting out of …
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Money is created by value. The more value you create, the more money you'll make. We know that Money is created by Value, and we know how to create Value - This is the third step in our series - "12 Things Wealthy Women Know" Next Steps: ✔️ Book Your Strategy Call with Joy: https://tidycal.com/rowland1001/strategy-call-1jj2yv8 ✔️Join The Facebook G…
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Snag Our Signature Budget Template! Ready to witness a financial transformation in action? This episode throws you into the deep end of financial coaching with Monica Baker, the voice behind "Claiming Simplicity." Watch as we guide Monica, a homesteading enthusiast and simplicity advocate, through the maze of personal and business finance managemen…
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There is no correlation between Success, Happiness, and Being a Good Person. They are completely separate things. The reason many women aren't successful is because deep down they have limiting beliefs that are holding them back We Know the Difference Between Success, Happiness, and Being a Good Person - This is the second step in our series - "12 …
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Show Notes: I can relate to you my friend, whether you are a full-time mom or work outside your home, you can have peace of mind by simplifying your day by having some planning tips in place. Let's recap 5 of them. They are not coming in order and you can start from any that you struggle with the most. #1. Have your evening strategy ready #2. Plan …
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Snag Our Signature Budget Template with Vanessa's coupon! Welcome to a truly inspiring episode where we peel back the curtain on the transformative journey of Vanessa, co-host and co-founder of our dynamic financial coaching duo. Today, Vanessa shares her heartfelt story, turning her financial freedom dreams into reality and empowering women to tak…
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Snag Our Signature Budget Template! In this heartfelt episode, we journey through the lives of individuals and families who've transformed their financial landscapes. By embracing budgeting, tackling debt, and shifting their money mindsets, our clients have moved from living paycheck to paycheck to creating pathways toward generational wealth. With…
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The world has no clue what's possible for you. Do not look into the past for evidence of what's possible. We Know We Have to Teach Ourselves What’s Possible - This is the first step in our series - "12 Things Wealthy Women Know" Next Steps: ✔️ Book Your Strategy Call with Joy: https://tidycal.com/rowland1001/strategy-call-1jj2yv8 ✔️Join The Faceboo…
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Snag Our Signature Budget Template! Ever feel like money matters are the rain on your relationship parade? You're not alone! This episode is all about turning those financial frowns upside down and getting you and your better half on the same page. From budgeting without the bore to spending without the spat, we're diving into ways to make money ta…
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There are 12 things wealthy women know. These 12 things are the secrets to massive wealth. Tune in as I explore these 12 things Next Steps: ✔️ Book Your Strategy Call with Joy: https://tidycal.com/rowland1001/strategy-call-1jj2yv8 ✔️Join The Facebook Group - https://www.facebook.com/groups/687717503050082 ✔️ Visit the Website: https://www.joyrowlan…
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Snag Our Signature Budget Template! In this episode, we delve deep into a common yet often unspoken issue that many couples face: financial friction. This tug-of-war over money can sometimes feel like it's pulling spouses apart rather than bringing them closer together. Our aim is to shed light on the underlying problems causing this tension and of…
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Show Notes: You probably heard about the cash envelopes budgeting method. This is when you designate one paper or plastic it doesn’t matter envelope to a specific budget category. There is nothing wrong with it but I find it extremely unpractical and inefficient. It is very unsafe to carry bags of money with you in the store when your hands are tie…
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In a world where instant gratification often reigns supreme, the idea of taking things slow can seem counterintuitive, especially when it comes to building wealth. However, the journey to financial success is not a sprint; it's a marathon—a process that requires patience, perseverance, and a willingness to embrace the journey itself. In this episod…
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Snag Our Signature Budget Template! Ever wondered how some people make budgeting seem effortless? In today's episode, we dive into the habits and strategies that have transformed our approach to managing money. By sharing our personal experiences and the practical steps we've taken, we aim to inspire you to adopt these habits for a healthier financ…
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Show Notes: Welcome back to the Simple Money Systems podcast! What a great time to catch up on some money talk. Maybe you already took several financial courses with other coaches that left you with to-do and not-to-do lists that you were not able to get your hands on to tackle leaving you even more confused and discouraged from paying off your deb…
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Set Up A Scholarship Strategy Session w/ Kara! In today's episode, we're thrilled to welcome back Kara, a beacon of inspiration for those navigating the path to college without the burden of student loans. As a 20-something Christian entrepreneur and amateur snowboarder, Kara shares her journey from being a high school student fascinated by persona…
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When you think of what's possible for you, do you look to the past or the future? The best thing you can do for yourself is expand your vision of what's possible. I teach you exactly how to do that in this episode. Next Steps: ✔️ Book Your Strategy Call with Joy: https://tidycal.com/rowland1001/strategy-call-1jj2yv8 ✔️Join The Facebook Group - http…
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⁠Snag Our Signature Budget Template!⁠ Imagine trying to book a vacation but realizing your credit cards are maxed out. Sounds familiar, right? We've all been there. But here's the good news: it's possible to enjoy life, be on a budget, and pay off debt—all at the same time. Today, we're diving deep into the stories of people just like you, sharing …
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Snag Our Signature Budget Template! Are you struggling with sticking to a budget or curbing impulse spending, especially if you have ADHD? You're not alone. In this episode, we dive into ADHD-friendly ways to manage your money, offering tips and techniques that are beneficial for anyone facing similar challenges. Whether it's the allure of impulse …
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Many people strongly believe that happiness comes from a certain level of success that they will achieve at some point in their life. In reality, the relationship between happiness and success is much more complicated than that. It is extremely important to understand this delicate relationship. In this episode, I reveal the secret to achieving suc…
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Snag Our Signature Budget Template! Ever felt like your budget just crumbles away a week, or even a day, after you make it? We've all been there, and today we're spilling the beans on how to keep that from happening again. We've got seven super straightforward tips that'll help your budget stick around for the long haul. What We're Diving Into: 1. …
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Show Notes: It is easy to lose balance when something unexpected shakes your base. It can be anything. How about you, my friend? What is your story? Do you have one? With me, it was my special child. Now, I feel a responsibility here to make sure you are ready for any kind of storm in your life small or big. Maybe you are going through right now. H…
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In a world that glorifies hustle culture and celebrates the grind, the idea of "sleeping your way to wealth" might sound counterintuitive. However, contrary to popular belief, adequate sleep is not only crucial for our physical and mental well-being but also plays a significant role in achieving financial success. In this episode, we delve into the…
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Let's set up your February budget together! Whether you're a budgeting novice or a seasoned planner, we've got insights, tips, and real-life examples to ensure you start the month on solid financial ground. Grab your pen, paper, and let's brainstorm together! In This Episode: The Importance of a Budget: We kick off with a gentle nudge towards the s…
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Show Notes: You have your budgeting tools under your belt, you know the exact strategy to tackle your debt or to start smart investing. Friend, I urge you about the importance of having your budget in place! If you don’t have it please, right now, hit the stop button and schedule a phone call with me. You need to have your budget to start living wi…
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Snag Our Signature Budget Template Use Coupon Code NATALIE for $25 off! Welcome back, friends! In this heartwarming episode, we bring you a special story from one of our listeners, Natalie, who shares her transformative journey with our signature budget template. Natalie, a full-time working mom from Cave Creek, Arizona, opens up about the financia…
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Limiting money beliefs or money blocks are negative subconscious beliefs about money that limit you from achieving your conscious desires. Examples of limiting money beliefs are: I am not worthy of money I am not smart enough I don’t know how to make money Making money is for men Money is evil and rich people are bad and greedy I have to work so ha…
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Snag Our Signature Budget Template! Hey there, budgeting enthusiasts! Get ready to kiss those budgeting blues goodbye and welcome a world of simplicity in 2024. In today’s episode, we’re all about transforming your budget from a tangled mess to a streamlined dream. Dive in with us as we unveil our signature budget template that’s not just smart but…
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It's time to dive into our latest podcast episode and discover how you can increase your savings rate by 10x! Listen in and you'll learn how to start saving like a pro. Ready to take control of your money? Tune in now and discover how a saving can be a habit for you. Next Steps: ✔️ Book Your Strategy Call with Joy: https://tidycal.com/rowland1001/s…
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Snag Our Signature Budget Template! We're diving into the magical world of savings buckets. Ever felt puzzled about how much to save for emergencies, or why holiday expenses catch you off guard every year? We've got you covered! We're exploring everything from the "Oh no, my car broke!" fund to setting aside cash for those glam-up sessions. Let's d…
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Show Notes: Welcome to episode 19! Are you stuck with a high-interest-rate home loan? Let’s get deep into how it can serve to your advantage. You might be wondering if it’s even safe to invest in your home like making extra principal payments. In general, housing is an essential need and always will remain in value. Just by looking at the historica…
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Snag Our Savings Bucket Tracker! This episode is a treasure trove of insights on the concept of sinking funds, or as we love to call them, 'Savings Buckets' - a crucial tool for elevating your budgeting game. It's all about preparing for future expenses, big or small, to achieve financial peace of mind. We dive into setting up savings buckets, shar…
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My research shows that over 85% of women underearn. So what is underearning, why are you underearning and how do you stop it? I cover all of these in this episode. ******************************************************************************************* Book Your Strategy Call with Joy: https://tidycal.com/rowland1001/strategy-call-1jj2yv8 Join T…
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Snag Our Signature Budget Template! 🎉 Here we are at our 200th episode! It's an incredible milestone, and we're thrilled to share this moment with all of you. Reflecting on our journey from being avid podcast listeners to hosting our own show, we've learned and grown so much. 🚀 Our Evolution: From the start, we were amazed at the idea of doing some…
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My special guest on the show today is Angela Duncan. Angela is a woman who defied the odds and survived a childhood of abuse and poverty. Angela Duncan was raised in Section 8 housing, welfare and working at a young age. Her journey has been marked by resilience and determination. With 25 + years of personal finance study, Angela has honed her expe…
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Show Notes: My friend, what are your misconceptions about budgeting? How do you handle your finances? Have you found this information helpful in any way? I hope it stretched you, challenged you helping you to grow in your financial journey. Write down on a piece of paper everything preventing you from getting to your budget. Whether it is a lack of…
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Snag Our Signature Budget Template! Should your kids be paying for their own car insurance? This question often goes unconsidered, as many parents automatically assume the responsibility without a second thought. We're here to challenge this norm! This isn't just about adding a line item in your budget; it's about a crucial life lesson. Key Points …
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Snag Our Signature Budget Template! Imagine your money as your most efficient employee, working tirelessly in the background while you enjoy life. That's what we're unpacking today. It's not just about saving, it's about smart saving, using automation, and the power of high-yield accounts to make every cent count. Automation is King: Learn how to a…
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My guest today is Kate Adah. She shares how she went from immigrant to millions of dollars in real estate. I'm so excited for you to listen to this episode. Connect with Kate: Instagram - https://www.instagram.com/kateadah_realty/ Mobile - +1 416-858-5703 ******************************************************************************************* Bo…
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Snag Our Signature Budget Template! In this inspiring episode, we chat with Becky, a 44-year-old accountant from Oklahoma, who shares her incredible journey of overcoming financial hurdles. Despite being in the middle of a busy season and juggling responsibilities with her chickens and dog, Becky enthusiastically delves into her experience with deb…
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Show Notes: You can eat 5 times a day, cook once maybe twice a week, do grocery shopping once a week, and kiss your grocery receipt! How does it sound? First, eat your breakfast. It must include lean proteins, some whole grains preferably cooked, and a load of fresh greens and veggies. Similar food ingredients for lunch. And for dinner same ingredi…
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My special guest on the show today is Danielle Matthews. At the age of 23 Danielle was hit by a drunk driver and sustained a life-altering injury to her brain. The medical world said there was no hope of recovery & told her to accept this life as her “new normal”. Although her body was physically impaired, her spirit was strong & she refused to bel…
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Snag Our Signature Budget Template! Today's episode dives into creating and sticking to a budget that is tailored to your family's unique lifestyle, goals and schedule. We debunk the myth of one-size-fits-all budgeting strategies and offer a comprehensive guide for your family's unique needs and lifestyles. Plus, we share the secret to making budge…
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Show Notes: You need to take these 3 steps right now to start your budget work for you: Track your daily expenses during your nightly routine time in one system like an Excel spreadsheet. Lit up candles, use an essential oils diffuser, and play soft music to establish a serene and peaceful atmosphere when you reflect on the day behind. Leave it the…
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Snag Our Signature Budget Template! Welcome to 2024! In today's episode, we're focusing on how to set and reach your money goals this year. It's all about planning, taking action, and making smart choices with your money. We're here to show you how to do this, step by step. Key Points: Learning About Money: We talk about our budget template that he…
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