334 | Make Your December Budget: A Step-by-Step Guide
334 | Make Your December Budget: A Step-by-Step Guide  
Podcast: Financial Coaching for Women: How To Budget, Manage Money, Pay Off Debt, Save Money, Paycheck Plans
Published On: Wed Nov 27 2024
Description: 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!"