Financial Coaching for Women: How To Budget, Manage Money, Pay Off Debt, Save Money, Paycheck Plans
Oct 12, 2026 · 14 min · 9 segments
[Join our FREE LIVE Debt Payoff Workshop on October 16th at 12pm CST!](budgetbesties.com/workshop) Budget besties, you're smart, successful, making good money, and handling all the things. So why…
The first reason why smart women still get stuck in credit card debt is that they are using credit cards to cover the gap because there isn't any money left over in their budget for, after everything else.
Yeah.
So we had a, a lady come on a free call, and she was just basically saying that all of her disposable income is going to pay the credit card from last month, and she can't get ahead.
How often do we hear that?
Oh, too often.
Yeah.
And, but love you so much, but the credit card balance is not a budget, actually.
It's not.
I don't know.
Really?
I know.
It's brand-new information, guys.
[laughs]
Love you so much.
Yeah.
It, again, it's just that you're racking it up and then trying to pay it off, while also probably depleting the money you have in your checking account at the same time.
So now you're stuck in this, a double problem, where your balance in your bank is going down, but your credit card balance is going up.
The problem is you don't...
A lot of times you may not have a budget because, a- and that's what is not allowing you to know if you, what money you have, what you can actually afford-
Mm-hmm
... right, for gas, groceries, whatever it is.
And so maybe you're just using credit card.
You're not, you don't know what's going on.
And so you're using that because you, there's never money left over, but it's because you don't really know what's going on with your money.
Yeah.
The first reason why smart women still get stuck in credit card debt is that they are using credit cards to cover the gap because there isn't any money left over in their budget for, after everything else.
Yeah.
So we had a, a lady come on a free call, and she was just basically saying that all of her disposable income is going to pay the credit card from last month, and she can't get ahead.
How often do we hear that?
Oh, too often.
Yeah.
And, but love you so much, but the credit card balance is not a budget, actually.
It's not.
I don't know.
Really?
I know.
It's brand-new information, guys.
[laughs]
Love you so much.
Yeah.
It, again, it's just that you're racking it up and then trying to pay it off, while also probably depleting the money you have in your checking account at the same time.
So now you're stuck in this, a double problem, where your balance in your bank is going down, but your credit card balance is going up.
The problem is you don't...
A lot of times you may not have a budget because, a- and that's what is not allowing you to know if you, what money you have, what you can actually afford-
Mm-hmm
... right, for gas, groceries, whatever it is.
And so maybe you're just using credit card.
You're not, you don't know what's going on.
And so you're using that because you, there's never money left over, but it's because you don't really know what's going on with your money.
Yeah.
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