Financial Coaching for Women: How To Budget, Manage Money, Pay Off Debt, Save Money, Paycheck Plans
How to Budget for October Without Feeling Restricted or Overwhelmed | 624
Sep 28, 2026 · 21 min · 11 segments
Financial Coaching for Women: How To Budget, Manage Money, Pay Off Debt, Save Money, Paycheck Plans
Sep 28, 2026 · 21 min · 11 segments
Okay, so what is the first thing that we want to look at when we're creating your next month's budget?
Well, contrary to popular belief, it is last month's budget.
Yes.
[laughs]
That's right.
So what we want to do is close out September.
Yeah.
We want to make sure everything got finalized the way it was supposed to-
Mm-hmm
... that the, the numbers are all correct.
Well, especially if you're in the beginning, this is super important because I can't tell you how many times I have to pull a September bill that didn't quite make it, and we have to pull it and put it into the next month, the October, so that we have two on that month, just so that we can get the system running.
Right.
So you just need to go through and make sure everything got handled and, and taken care of.
Yeah, and a lot of people ask, "Why doesn't your Simplify Budget System have an actual column versus budget, budgeted?"
Oh.
Here's the quick fix to that.
Just so replace the budgeted number with the actual number, and then your entire budget updates.
Like, that's the whole goal, and guess what? Your next month already has the number in there because it auto-populates.
The bonus, guys, of our Simplified Budget System, when you're using it-
Right
... you want to go ahead and replace the actuals with the budgeted.
We're going down a rabbit hole.
But why, what is the purpose of looking at the plan versus actual? There's no good information that's coming from the plan.
It means you, you didn't do a good job planning.
Sorry.
Okay, so what is the first thing that we want to look at when we're creating your next month's budget?
Well, contrary to popular belief, it is last month's budget.
Yes.
[laughs]
That's right.
So what we want to do is close out September.
Yeah.
We want to make sure everything got finalized the way it was supposed to-
Mm-hmm
... that the, the numbers are all correct.
Well, especially if you're in the beginning, this is super important because I can't tell you how many times I have to pull a September bill that didn't quite make it, and we have to pull it and put it into the next month, the October, so that we have two on that month, just so that we can get the system running.
Right.
So you just need to go through and make sure everything got handled and, and taken care of.
Yeah, and a lot of people ask, "Why doesn't your Simplify Budget System have an actual column versus budget, budgeted?"
Oh.
Here's the quick fix to that.
Just so replace the budgeted number with the actual number, and then your entire budget updates.
Like, that's the whole goal, and guess what? Your next month already has the number in there because it auto-populates.
The bonus, guys, of our Simplified Budget System, when you're using it-
Right
... you want to go ahead and replace the actuals with the budgeted.
We're going down a rabbit hole.
But why, what is the purpose of looking at the plan versus actual? There's no good information that's coming from the plan.
It means you, you didn't do a good job planning.
Sorry.
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