Determining Your Budget


Many business owners feel like they need to hire a low-cost VA to complete the number of hours they feel is necessary for all of their tasks. That’s not always the case or the best approach. When it comes to your budget, let it guide you but don’t let rule you.
In this episode, we discuss how to figure out what you can comfortably afford and how to find the best solution for your money.
Some resources we offered were Rachael’s Budget Worksheet and Bree’s Way to Save Money handout. You'll find these and other resources here or using the Resources and Handout link in our Linktr.ee.
Have a question?
Email us at heyvapodcast@gmail.com, join our Facebook group Find, Hire and Work with a Virtual Assistant (VA): https://www.facebook.com/groups/findavirtualassistant
or find our contact details here: https://linktr.ee/heyvapodcast
Please leave a like, comment, or review, and share our podcast with someone you know who could benefit from our content.
00:00:00,000 --> 00:00:10,640
Hi, welcome to the podcast that explores virtual assistants, lump business owners to know,
2
00:00:10,640 --> 00:00:17,040
but may start asking themselves the question, hey, do I need a VA? I'm Rachel Davila, and after
3
00:00:17,040 --> 00:00:23,040
18 years as a virtual assistant going at a loan, I experienced the steep learning curve from the
4
00:00:23,040 --> 00:00:29,840
other side of the VA client relationship when I hired my own assistants. Joining me on this podcast
5
00:00:29,840 --> 00:00:35,360
is a group of friends and colleagues who all have their own take on what busy entrepreneurs need
6
00:00:35,360 --> 00:00:41,920
to know to find, hire, and work with a virtual assistant and mindfully answer the question,
7
00:00:41,920 --> 00:00:45,360
hey, do I need a VA? Let's get this episode started.
8
00:00:46,960 --> 00:00:55,600
Hey, everyone, welcome back to hey, do I need a VA the podcast? We're on episode 7,
9
00:00:55,600 --> 00:01:03,920
determining your budget and with me is Sydney Hubbard, Brebe V, and Leanne Arimley,
10
00:01:04,240 --> 00:01:10,400
my Tustico hosts with this wonderful podcast, which we've been getting great reviews on,
11
00:01:11,120 --> 00:01:18,240
and if you have been listening and would like to leave us a review, you can send us an email or we'd
12
00:01:18,240 --> 00:01:27,280
love it if you would populate it on your platform review system. But let's get started. So when it
13
00:01:27,280 --> 00:01:35,360
comes to your budget, I always tell clients, let your budget guide you, but don't let it rule you.
14
00:01:35,360 --> 00:01:42,480
There should be lots of wiggle room in determining how much you can spend, how many hours that
15
00:01:42,480 --> 00:01:53,520
looks like and what kind of VA you can utilize that pool of money for. So when considering working
16
00:01:53,520 --> 00:01:59,040
with someone, it's important to figure out how much money you can comfortably spend a month.
17
00:02:00,240 --> 00:02:07,280
And then determine based on your handoff list and the tasks that you're looking for,
18
00:02:07,280 --> 00:02:15,360
we'll kind of VA that is because different VA's charge different rates. So if you have $300,
19
00:02:15,360 --> 00:02:24,160
you could get 10 hours at $30 an hour or we've got to do that. You know, five hours at $60 an hour.
20
00:02:26,160 --> 00:02:33,440
So it may feel like you have a lot to hand off and all of it feels urgent,
21
00:02:33,440 --> 00:02:39,840
but as you're going to find out, there are ways to still get those important projects done
22
00:02:40,480 --> 00:02:50,160
and still find the right fit for your budget. So, ladies, one thing I do want to mention,
23
00:02:50,160 --> 00:03:00,640
a VA was never meant to be a low cost option for an employee. Employees get paid by the employer,
24
00:03:00,640 --> 00:03:08,960
the employer takes on all of the overhead, the taxes, the time off, all that kind of stuff.
25
00:03:09,680 --> 00:03:18,640
A VA is their own business and they handle their overhead taxes and everything and that
26
00:03:19,840 --> 00:03:28,320
price gets allotted into their hourly rate or their package or how they charge. So it's going to
27
00:03:28,320 --> 00:03:39,440
cost differently than an employee. The other thing is a VA hour is different than an employee's hour.
28
00:03:39,440 --> 00:03:45,280
An employee gets paid whether they're at their desk or they're talking to a co-worker or
29
00:03:46,560 --> 00:03:54,240
wandering the halls of VA. I don't know about you guys, but they charge by the butt in the chair of
30
00:03:54,240 --> 00:04:02,880
time they're working on your project. So that's something to consider when looking at your budget
31
00:04:02,880 --> 00:04:10,080
and looking at the number of hours because a VA hour is different than yours. If a project takes you
32
00:04:10,080 --> 00:04:16,640
a long time and you hire someone who specializes in that task, it's going to take them less time.
33
00:04:16,640 --> 00:04:25,600
I don't know about you guys, but I track my time when I start work and I turn my tracker off
34
00:04:25,600 --> 00:04:34,400
when I'm done working and so it may take me two hours to work on a project but that could be split
35
00:04:35,200 --> 00:04:45,120
over the whole month. Like in little increments. So those are important things to know ahead of time
36
00:04:45,120 --> 00:04:52,640
when you're thinking about budget and the amount of hours that you need. But I want to open
37
00:04:52,640 --> 00:05:00,560
this up to everybody else. What's one thing that you share with clients when you guys start the
38
00:05:00,560 --> 00:05:09,760
conversation around budgets and how much things are going to cost? Let's start with. We end.
39
00:05:09,760 --> 00:05:17,680
Okay. One of the things I always tell my clients is no matter what your budget is, let's start with
40
00:05:17,680 --> 00:05:23,920
something a big pain point but like the very first thing, it doesn't need to be like your whole budget.
41
00:05:23,920 --> 00:05:31,040
It just let's start with something smaller. Don't panic that you have. I only have five hours
42
00:05:31,040 --> 00:05:36,320
and I only know let's start with one thing. And then we can move forward from there. So when they're
43
00:05:36,320 --> 00:05:44,640
budgeting, I try to get them to think through more like I need this done first and then move
44
00:05:44,640 --> 00:05:50,400
from there when they're figuring out their budget. Yeah. Great. How about you?
45
00:05:51,920 --> 00:05:57,440
Yes. Similarly, like I always try to explain to clients too that like when we start working together,
46
00:05:57,440 --> 00:06:02,240
it does take a little bit of an extra time in the beginning to do that get to know you face
47
00:06:02,240 --> 00:06:05,600
because you want somebody who's going to invest in getting to know what your voice is,
48
00:06:05,600 --> 00:06:09,440
what your brand feel is, what you like and what you don't, which requires some a little bit
49
00:06:09,440 --> 00:06:14,560
more back and forth in the beginning that will pay off big times throughout the rest of it because
50
00:06:14,560 --> 00:06:17,680
you'll have to do less handholding, they'll get a better feel for you, they'll be able to take
51
00:06:17,680 --> 00:06:22,320
on tasks without extra guidance from you, which will save you time in your budget later. So it's
52
00:06:22,320 --> 00:06:27,440
a future investment for things that are going to come moving forward because when you pick a virtual
53
00:06:27,440 --> 00:06:31,040
assistant or somebody that you want to work with, you don't want to just do it as a one-off
54
00:06:31,040 --> 00:06:35,840
month thing, you want it to be a long lasting growing relationship. So it's a future investment
55
00:06:35,840 --> 00:06:41,200
in that relationship and that working collaboration that's going to be fostering something good
56
00:06:41,200 --> 00:06:45,760
for both of you and to start with like, you know, what is something that is feeling really,
57
00:06:45,760 --> 00:06:51,760
really overwhelming but you can get pieces of it done and if that means like what's most important
58
00:06:51,760 --> 00:06:56,080
piece if you want to do this month and if you want to get it all done in the first month then it
59
00:06:56,080 --> 00:07:00,160
might cost you a little bit more but if you want to pace it out maybe there's like we could get this
60
00:07:00,160 --> 00:07:04,640
chunk on this month and then let's say this piece for next month and let's milestone it out
61
00:07:04,640 --> 00:07:10,320
so that you can see that it's coming, have a plan for it and down to have a comfort knowing that
62
00:07:10,320 --> 00:07:14,320
that's coming or knowing that if you have a press for it that maybe it's just a lecture investment
63
00:07:14,320 --> 00:07:19,840
for a short period to get that pushed out. I love how you called it an investment, you know,
64
00:07:20,720 --> 00:07:27,200
so often we just think about the task or handing it off but you don't consider
65
00:07:27,200 --> 00:07:36,400
I'm investing time and energy to get to know vice versa, right? Like the client is getting to know
66
00:07:36,400 --> 00:07:43,760
the VA, the VA is getting to know the client and there is that time that it takes to build that
67
00:07:43,760 --> 00:07:49,680
comfort and that trust and to go, oh, I can't hand this off and they're going to do it great
68
00:07:49,680 --> 00:07:59,200
and not be so caught up in how much is it costing me? Yeah and the investment's on both sides.
69
00:07:59,840 --> 00:08:11,200
Yeah that way. Sydney how about you? I think that for a while I didn't think that much about
70
00:08:12,000 --> 00:08:17,280
the client and of them having to figure out like what's their budget like the amount of
71
00:08:17,280 --> 00:08:24,560
time they would want me to work and I think that what got me thinking more about that was when
72
00:08:25,200 --> 00:08:34,320
I got into kind of situations with a disorganized client and then it's like a wait like
73
00:08:34,320 --> 00:08:44,000
like I'm not being paid and so I think I trust that the client will know how to budget
74
00:08:44,000 --> 00:08:50,480
their business but something that in the future I want to be really working on and like the
75
00:08:50,480 --> 00:08:58,960
initial interactions with a client is like okay how much are you willing to pay for a VA? Right
76
00:08:58,960 --> 00:09:06,880
and that means how many hours do you want me to work per month? Because I don't want to have to be
77
00:09:06,880 --> 00:09:14,640
doing budget work for the client if that's not what they're paying me to do but I think
78
00:09:14,640 --> 00:09:20,480
definitely having a client think about that if they work already is definitely something that in
79
00:09:20,480 --> 00:09:28,320
the future I will be very conscious of. Well and I definitely think it's definitely something to
80
00:09:28,320 --> 00:09:35,360
bring up and those initial conversations right I mean you know in in future episodes we're going
81
00:09:35,360 --> 00:09:44,000
to talk about interview process and the questions that a VA will ask or that a client needs to
82
00:09:44,000 --> 00:09:53,040
ask because I know for me like do you have time to do X amount of hours? Do you have the budget
83
00:09:53,040 --> 00:10:03,280
for X amount of hours right? Do I have space for X amount of hours? So it's definitely should be a
84
00:10:03,280 --> 00:10:12,640
initial conversation piece before you sign on the line to work with somebody this is my budget this
85
00:10:12,640 --> 00:10:18,880
is how much I have do you have that time in your practice do you have the budget in your
86
00:10:18,880 --> 00:10:31,280
interior wallet right? So I think yes definitely good for both sides to know and to communicate
87
00:10:32,000 --> 00:10:42,800
that the different ways VA's charge can be that that can come into play with how a client
88
00:10:42,800 --> 00:10:52,160
budget can be best used or what clients look for. I know that when clients come to me and say yeah
89
00:10:52,160 --> 00:10:59,840
they want me to pay 20 hours up front but we haven't even worked together yet that kind of feels like
90
00:10:59,840 --> 00:11:07,440
a red flag for me because I feel like there is that getting to know you period and 20 hours a month
91
00:11:07,440 --> 00:11:18,160
is a long is a lot of time you know per anyone so when it comes to the way you charge
92
00:11:19,920 --> 00:11:29,200
what do you tell clients like how do you track time how do you charge? So I charge one of two ways
93
00:11:29,200 --> 00:11:35,040
I have a charge by the hour or I charge by the project but a lot of my work is also
94
00:11:35,040 --> 00:11:42,320
like dual website if I do it by hour it's the numbers get to be scary it makes more sense
95
00:11:42,320 --> 00:11:49,280
to do my project is more of a hey this is what you get at the end that being said I also want my
96
00:11:49,280 --> 00:11:55,440
clients to know that I'm not like hey I'm going to do 15 minutes and then you're going to disappear
97
00:11:55,440 --> 00:12:00,880
because that doesn't make much sense so for me any new client I asked him to put every
98
00:12:00,880 --> 00:12:05,920
tanner down of just for one hour you know pay for the first hour and then we work from there
99
00:12:07,040 --> 00:12:11,440
so that I know they're real that kind of stuff I try people do things in the past
100
00:12:11,440 --> 00:12:16,880
they take in the work and take it off but I do I definitely do by the hour and then by project
101
00:12:16,880 --> 00:12:22,240
I'm interested to hear how the reason working on things though because she had a hint earlier
102
00:12:22,800 --> 00:12:28,560
go for free so there's a couple of ways what we have done in the past is done prepaid for a
103
00:12:28,560 --> 00:12:33,040
tanner where people pay up front for amount of hours to kind of get ahead of that problem that
104
00:12:33,040 --> 00:12:37,760
then he was talking about and part I like about that for way of doing it and how we've done it before
105
00:12:37,760 --> 00:12:42,320
is that clients know how much they're paying they know what they're going to get at the end of that
106
00:12:42,320 --> 00:12:46,720
they can be tracked and it can be sent to them nobody surprised by large bill at the end of the
107
00:12:46,720 --> 00:12:51,680
month you kind of set up that expectation I've heard some horror stories from clients and people who
108
00:12:51,680 --> 00:12:55,760
work with people where they're like you know I just said I wanted to do these tasks we talked to
109
00:12:55,760 --> 00:12:59,200
it would be about this amount of time and that would be what they would charge me and then at the end
110
00:12:59,200 --> 00:13:03,120
it's a month they get a bill that's double because things happen things came out there was an
111
00:13:03,120 --> 00:13:07,280
infunication about how much extra it was the bill was double so to get around that that's one
112
00:13:07,280 --> 00:13:12,720
way that we've done things the other way that we're doing things is that we're doing things based on
113
00:13:12,720 --> 00:13:19,680
deliverables and customer packages so you want to newsletter some on eight social media posts that are
114
00:13:19,680 --> 00:13:27,040
this type of the post and you want this kind of thing that's this package rate and that has
115
00:13:27,040 --> 00:13:31,600
things that we were talking about earlier already a lot it into it the you know our overhead costs
116
00:13:31,600 --> 00:13:36,640
the cost for our programs the things that we're using in conjunction with the tasks that we're doing
117
00:13:37,680 --> 00:13:42,320
the prices and that we're paying for our contractors all those kinds of things and then we have some
118
00:13:42,320 --> 00:13:47,200
tasks that you just can't say like for sure it's going to be five hours of admin this month so on
119
00:13:47,200 --> 00:13:51,120
those ones then we have that those kinds of things with the charge at our least we kind of
120
00:13:51,120 --> 00:13:56,880
been doing a combination of these are your set prices for this deliverable and then these are where
121
00:13:56,880 --> 00:14:01,520
we can help fill in the gaps and do that you know the buy chunk of hours ahead of time will give
122
00:14:01,520 --> 00:14:07,200
you a report of how those hours you're being used and have a combination that way for me I
123
00:14:08,480 --> 00:14:16,960
started paying by the hour by week and I think mostly that was just because it was easier for me
124
00:14:16,960 --> 00:14:23,520
to keep track of but as my business crew I started paying a sort of charging per hour per month so
125
00:14:23,520 --> 00:14:28,800
I'll send an invoice at then at the month detailing like this is what I worked on this is how much
126
00:14:28,800 --> 00:14:37,200
time I spent on everything I think that the upside of that is that clients can trust that
127
00:14:37,920 --> 00:14:43,520
here's everything that I'm doing and here's all the time that it took and you can see it's
128
00:14:43,520 --> 00:14:48,000
and then you can pay me and you can ask me any questions that you want about how long something
129
00:14:48,000 --> 00:14:55,840
took I think the downside of that is that I'm not being paid ahead of time for my work so I'll
130
00:14:55,840 --> 00:15:03,040
be doing all of this work and then I'll have to wait depending on the clients most clients are
131
00:15:03,040 --> 00:15:10,560
are great but I mean every so often there will be a client that's like that that that that just isn't
132
00:15:10,560 --> 00:15:17,920
the most on top of the billing and so that's why I really like the idea of the retainer
133
00:15:18,480 --> 00:15:22,800
and I also like the idea of what Rachel is going to talk about.
134
00:15:24,080 --> 00:15:31,360
We were so I just learned this new system it's called a debit card system so
135
00:15:32,320 --> 00:15:39,680
how that's different than a retainer I feel like a retainer is you pay a certain amount
136
00:15:39,680 --> 00:15:46,560
for a certain amount of hours per month and in the way I have done retainers in the past is
137
00:15:46,560 --> 00:15:54,240
if you don't use all of your hours they don't roll over to the next month and so
138
00:15:55,200 --> 00:16:03,200
it kind of encourages clients to hand stuff off to do the things so if they have 10 hours
139
00:16:03,200 --> 00:16:08,880
I'm still tracking it but then if they're only at seven and we're wrapping up the month
140
00:16:09,920 --> 00:16:17,040
you know on both ends you got three hours left of work because you're paying for the hours
141
00:16:17,840 --> 00:16:23,200
and that's kind of a retainer but never really sat well with me because I didn't want to have
142
00:16:23,200 --> 00:16:32,880
to chase work I kind of wanted clients to be like oh I have 10 hours where we at here here but
143
00:16:32,880 --> 00:16:41,760
so this debit card system clients pay for a package of 10 20 hours but they have three months
144
00:16:41,760 --> 00:16:50,560
to use it so I track my time and then I deduct from the total number of hours and send them
145
00:16:50,560 --> 00:16:57,360
a reminder each week it's a little bit more administrative on my end but I kind of feel like
146
00:16:57,360 --> 00:17:03,840
that gives some wiggle room especially with new clients who we might say let's do a three month trial
147
00:17:03,840 --> 00:17:10,800
here's a you know set number of hours that and if it goes really great then they can purchase
148
00:17:10,800 --> 00:17:17,360
more hours when they run out but if if they're not then they have three months to use the package of
149
00:17:17,360 --> 00:17:25,440
hours so I kind of like that better than because I have run into clients like Sydney was talking
150
00:17:25,440 --> 00:17:32,480
about that you know you do all the work and then you have to chase and you have to control
151
00:17:32,480 --> 00:17:39,840
and you have to wait and sometimes you just have the VA has to eat I mean I still have things on my
152
00:17:39,840 --> 00:17:44,880
books from when I first started my business because I didn't know what I didn't know back then
153
00:17:44,880 --> 00:17:55,040
and now I know back but so yeah I like the prepaid debit card because then I know and then I can
154
00:17:55,040 --> 00:18:02,720
send any tweak the client gets the reminder this is where you're at give me something like do this
155
00:18:05,280 --> 00:18:09,520
I like with that type of payment and where they're prepaying to there's no surprises right
156
00:18:09,520 --> 00:18:13,520
everybody knows that that's a much bigger than that that went for it's gone and like with
157
00:18:13,520 --> 00:18:19,040
us when we do the retainer stuff we do the way that we do it is we do like at 50% of the time
158
00:18:19,040 --> 00:18:22,960
you get an update or halfway through so for on a big project you're going to know that there's
159
00:18:22,960 --> 00:18:27,760
lots of tasks and so you're probably going to see that come out a little faster and then we update
160
00:18:27,760 --> 00:18:32,400
them at 75% as well so that then if they only have that last little chunk left and they're like
161
00:18:32,400 --> 00:18:36,160
okay now they can set the priorities for the rest of that retainer if that's what they have for that
162
00:18:36,160 --> 00:18:41,600
month or that time that they want to use um they can be like you know what let's just focus on this
163
00:18:41,600 --> 00:18:46,240
or let's top it up or let's change our focus and the this the priority will leave the rest for next
164
00:18:46,240 --> 00:18:51,120
month that doing it that way and giving them a heads up on things starts a conversation and
165
00:18:51,120 --> 00:18:57,200
allows them to make some more decisions on how that one that time spent and say thing with the
166
00:18:57,200 --> 00:19:02,240
the pre-priced package things that they know that that's what they're getting that those are
167
00:19:02,240 --> 00:19:06,640
their receivable they can count on those and then anything else they need they can have talked
168
00:19:06,640 --> 00:19:12,320
up so I think it helps having more conversations because what we have found is sometimes when you
169
00:19:12,320 --> 00:19:17,680
are doing the hourly too they can kind of shift the relationship of it and the conversation
170
00:19:17,680 --> 00:19:23,840
gets more focused and fixated on nitpicking hours over what is what is being done what is
171
00:19:23,840 --> 00:19:27,920
there like you get kind of caught up in the details instead of seeing the big picture right like
172
00:19:27,920 --> 00:19:31,920
these are the big things that we've done if you're celebrating the win we've got traction on this
173
00:19:31,920 --> 00:19:36,160
we launched this thing that's making you somebody to help pay for the next thing or whatever it is
174
00:19:36,160 --> 00:19:41,520
right that sometimes it can get then like now we're focused on just five minutes we spent on that
175
00:19:41,520 --> 00:19:47,040
and ten minutes and it's always kind of like that here's the report for your in-voice and your
176
00:19:47,040 --> 00:19:51,600
kind of sunshine or there's like these awkward conversations that come so I find that in
177
00:19:51,600 --> 00:19:55,840
its a liberals piece of it if there's a little bit more freedom on that it's like hey I know
178
00:19:55,840 --> 00:19:59,840
it's this and I know it's that and if I need to make adjustments because it took more time than I
179
00:19:59,840 --> 00:20:04,160
thought on my end for me paying myself contractors and stuff will then that's something I need to
180
00:20:04,160 --> 00:20:09,520
address in my rake for things but it's not so much in the forefront of becoming something they
181
00:20:09,520 --> 00:20:18,560
can get lost yeah yeah I don't actually I don't itemize my time I just here's the amount of
182
00:20:18,560 --> 00:20:26,400
time I used I mean I do communicate with the client throughout the time you know the month with what I
183
00:20:26,400 --> 00:20:33,760
doing and everything but in terms of this has how long it took me I don't I don't share that with
184
00:20:33,760 --> 00:20:43,600
the client do you plan yeah I have it I do an itemize bill but it's kind of it's kind of a hybrid
185
00:20:43,600 --> 00:20:49,120
so I don't say I did 15 minutes on this day and 10 minutes on this day on a project it's like
186
00:20:49,120 --> 00:20:55,840
the project was this amount of time even if it's you know it's made you know it's like okay I
187
00:20:55,840 --> 00:21:00,960
worked you know two days and it took me you know half hour each day well it was one hour
188
00:21:00,960 --> 00:21:06,560
right it works that I don't you know I didn't I hit between 12 and two I did this much time
189
00:21:06,560 --> 00:21:11,840
and I don't you know I don't go quite that detail but they do get an itemize bill of everything
190
00:21:11,840 --> 00:21:20,560
that I do unless it's a project based in which case it's here you go yeah so do you guys ever
191
00:21:20,560 --> 00:21:29,760
help a client figure out what their budget is like how much do you have okay how many hours
192
00:21:29,760 --> 00:21:40,240
right it because VAs charge across the board I mean you have a $25 an hour VA all the way up to
193
00:21:40,240 --> 00:21:51,600
a $100 an hour VA and all points in between so you know if someone has only a finite amount of
194
00:21:51,600 --> 00:21:58,720
money per month I think a lot of people think oh it's gonna take me a lot of times so I need a higher
195
00:21:59,840 --> 00:22:07,600
a $25 an hour VA because they need 10 15 whatever hours but then what they really need
196
00:22:08,640 --> 00:22:14,480
based on our episode with all VAs are different is they need a higher price VA to help them get
197
00:22:14,480 --> 00:22:24,880
things going and everything so in my fine-to-VA program I have a worksheet that kind of takes
198
00:22:24,880 --> 00:22:31,520
clients through okay well if I hire a VA this price point I get this many hours and if I hire
199
00:22:31,520 --> 00:22:37,200
someone at this price point I get this many hours and based on my handoffless and it skills that I
200
00:22:37,200 --> 00:22:45,040
need that's the range so that when they start the interview process then they can kind of go okay
201
00:22:45,040 --> 00:22:58,480
well they fit within my range right because I need X number of hours or skills so I will put
202
00:22:59,280 --> 00:23:04,880
a link to that worksheet with the show notes do you guys offer anything
203
00:23:04,880 --> 00:23:13,440
that can help a client determine their budget I don't offer something specifically that helps the
204
00:23:13,440 --> 00:23:18,640
client determine the budget but the one that resource that we have is ways that you can save
205
00:23:18,640 --> 00:23:23,520
anyway you're working with a virtual assistant like different ways that you can feed them
206
00:23:23,520 --> 00:23:27,760
information or things that you can consider that would make things efficient and then obviously
207
00:23:27,760 --> 00:23:34,800
save you time not be that's a good that's a good offering too so can we put that in with the show
208
00:23:34,800 --> 00:23:43,040
notes yep okay well because those two things together really could help somebody kind of look at their
209
00:23:43,040 --> 00:23:51,280
handoffless and go oh well according to breeze how to save money I need to do all this before
210
00:23:52,000 --> 00:24:00,160
so that I can finish with Rachel's budget worksheet all right well thank you for joining us today
211
00:24:00,160 --> 00:24:07,760
on this episode of hey do I need a VA the podcast if you have any questions you can email them to us
212
00:24:07,760 --> 00:24:16,800
at hey VA podcast at gmail.com or use the link tree link in our show notes to contact any one of us
213
00:24:17,760 --> 00:24:24,400
and we look forward to seeing you on the next episode thank you for joining us on this episode of hey
214
00:24:24,400 --> 00:24:30,880
do I need a VA the podcast if you found this episode helpful please leave a like comment or review
215
00:24:30,880 --> 00:24:36,800
and feel free to join our Facebook group find higher and work with a VA for more tips and tools
216
00:24:36,800 --> 00:24:55,120
if you have any questions please email them to hey VA podcast at gmail.com we'll see you next time