The New Money Habits Podcast

Money conversations can be hard for couples, especially when both people are carrying different stories, habits, fears, and assumptions into the relationship. In this episode of The New Money Habits Podcast, Nino Villa is joined by co-host Karen Hackman, the New Money Habits voice for money and marriage, to talk about the mid-year reset from a couples perspective. Karen shares why many couples avoid money conversations, how fear of conflict can keep people from talking honestly, and why learning how to talk about money together can change more than just the budget. Nino and Karen discuss money stories, shared bank accounts, different upbringings, grocery pressure, rising costs, avoiding statements, creating a Peace of Mind Fund, and why getting the numbers out of your head and onto paper can bring relief. They also talk about how couples can schedule a simple money date, listen without judgment, and begin making a plan together as a team. If you and your spouse have been avoiding money conversations, this episode will help you start with more calm, clarity, and hope. Learn more at NewMoneyHabits.com Join the New Money Habits CommunityStart your 7-day free trial and connect with others building healthier money habits. Memberships start at $7/month. Helpful Resources Mentioned in This Episode [Watch on YouTube](INSERT YOUTUBE LINK)Full video version of this episode. Payday Power PlannerA free tool to help you plan your money between paychecks and make clearer decisions before the next payday arrives. Food Number CalculatorA free tool to help simplify food budgeting and planning. Submit Your QuestionsEmail us at podcast@newmoneyhabits.com Join Our Free Facebook Grouphttps://www.facebook.com/groups/newmoneyhabits Schedule a Free Call with Coach Ninohttps://www.newmoneyhabits.com/freesession Online Course: How to Create a Better BudgetYour Foundation to Financial Freedomhttps://www.newmoneyhabits.com/bootcamp Music CreditsThis episode features music by Summer School. Connect With UsFollow @newmoneyhabits on social media for more insights, tools, and updates.

The halfway point of the year is a natural time to pause, look back, and reset your money with more honesty and less shame. In this episode of The New Money Habits Podcast, Nino Villa is joined by Mike Kinealy, co-founder of New Money Habits, to talk about what a mid-year money reset can actually look like. They discuss why looking back at the first half of the year is not about self-condemnation, but about noticing what worked, what did not, and what needs to change as you move into the second half of the year. Nino and Mike talk about savings goals, debt payoff, underbudgeted categories, avoidance, cash-flowing unexpected expenses, and why progress should still be celebrated even when it does not look exactly like the original goal. They also discuss the difference between intensity and clarity, and why trying to change everything at once usually creates pressure instead of progress. If your money plan has drifted, your goals need to be adjusted, or you simply need a clearer place to begin again, this conversation will help you look back calmly and move forward with a more realistic next step. Learn more at NewMoneyHabits.com Join the New Money Habits CommunityStart your 7-day free trial and connect with others building healthier money habits. Memberships start at $7/month. Helpful Resources Mentioned in This Episode Watch on YouTube: Full video version of this episode here. Payday Power PlannerA free tool to help you plan your money between paychecks and make clearer decisions before the next payday arrives. Food Number CalculatorA free tool to help simplify food budgeting and planning. Submit Your QuestionsEmail us at podcast@newmoneyhabits.com Join Our Free Facebook Grouphttps://www.facebook.com/groups/newmoneyhabits Schedule a Free Call with Coach Ninohttps://www.newmoneyhabits.com/freesession Online Course: How to Create a Better BudgetYour Foundation to Financial Freedomhttps://www.newmoneyhabits.com/bootcamp Music CreditsThis episode features music by Summer School. Connect With UsFollow @newmoneyhabits on social media for more insights, tools, and updates.

Student loans are changing in a major way, and many borrowers may not realize how much their repayment options could shift. In this episode of The New Money Habits Podcast, Nino Villa is joined by student loan coach Renée Earwood to talk through the federal student loan changes scheduled for July 1, 2026. Renée explains why this date matters, how the current student loan system is being restructured, and why borrowers should not assume their repayment plan will simply stay the same with a few minor tweaks. They discuss the SAVE plan going away, changes to income-driven repayment options, the new Repayment Assistance Plan, forgiveness timelines, possible tax consequences, and why borrowers may see their monthly payments increase. Renée also explains why Parent PLUS borrowers may be especially affected and why it is important to understand your loan type, repayment plan, income, family size, tax filing status, and long-term financial goals before making decisions. If you have student loans, Parent PLUS loans, or someone in your household is preparing to borrow for college, this conversation is an important place to start. The rules are changing, and the more clearly you understand your options now, the better prepared you can be before those changes take effect. Learn more at NewMoneyHabits.com Join the New Money Habits CommunityStart your 7-day free trial and connect with others building healthier money habits. Memberships start at $7/month. Helpful Resources Mentioned in This Episode Watch on YouTubeFull video version of this episode. Payday Power PlannerA free tool to help you plan your money between paychecks and make clearer decisions before the next payday arrives. Food Number CalculatorA free tool to help simplify food budgeting and planning. Submit Your QuestionsEmail us at podcast@newmoneyhabits.com Join Our Free Facebook Grouphttps://www.facebook.com/groups/newmoneyhabits Schedule a Free Call with Coach Ninohttps://www.newmoneyhabits.com/freesession Online Course: How to Create a Better BudgetYour Foundation to Financial Freedomhttps://www.newmoneyhabits.com/bootcamp Music CreditsThis episode features music by Summer School. Connect With UsFollow @newmoneyhabits on social media for more insights, tools, and updates.

Travel can be meaningful, fun, and full of memories. But it can also become one of the easiest places to overspend, even when you thought you had a plan. In this episode of The New Money Habits Podcast, Nino Villa is joined by Mary Ann Stenquist, who helps people become UnShoppable, for a conversation about why people overspend before and during vacation. They talk about the tendency to buy things for the trip, the pressure to capture the moment with souvenirs, the pull of convenience, and the fear of missing out when an opportunity feels like it may never come again. Mary Ann explains why travel can become a perfect storm for overspending. You are out of your normal routine, trying to enjoy the experience, and often making decisions in the moment. That is why planning backwards can be so helpful. Instead of trying to spend freely on everything, you decide what matters most, plan for that first, and then cut back in the areas that do not matter as much. Nino and Mary Ann also discuss how to use a travel planner to think through the major categories of a trip, how to cash flow travel over upcoming paydays, and how to come home with memories instead of a credit card balance you are still trying to recover from. If you have ever come home from a trip wondering how you spent more than expected, this episode will help you think about travel with more clarity and intention. Learn more at New Money Habits:https://www.newmoneyhabits.com Join the New Money Habits Community:Start your 7-day free trial and connect with others building healthier money habits. Memberships start at $7/month.https://www.patreon.com/NewMoneyHabits Helpful Resources Mentioned in This Episode: Payday Power Planner:A free tool to help you plan your money between paychecks and make clearer decisions before the next payday arrives.https://www.newmoneyhabits.com/freebudgetform Food Number Calculator:A free tool to help simplify food budgeting and planning.https://www.newmoneyhabits.com/budgeteers/helpful-tools Submit Your Questions:Have a question for the show? Email us at podcast@newmoneyhabits.com Join Our Free Facebook Group:Connect with others building healthier money habits.https://www.facebook.com/groups/newmoneyhabits Schedule a Free Call with Coach Nino:Talk through your financial goals and next steps.https://www.newmoneyhabits.com/freesession Online Course: How to Create a Better BudgetYour Foundation to Financial Freedomhttps://www.newmoneyhabits.com/bootcamp Music Credits:This episode features music by Summer School. Connect With Us:Follow @newmoneyhabits on social media for more insights, tools, and updates. @newmoneyhabits

Travel can feel exciting, meaningful, and completely overwhelming all at the same time. In this episode of The New Money Habits Podcast, Nino Villa is joined by Bereket Kelile, New Money Habits' trusted voice in future planning, to talk about how to turn a travel dream into a real plan. Together, they explore why travel goals often feel out of reach, how vague assumptions can make a trip feel more expensive or complicated than it really is, and why getting specific is usually the first step toward making progress. Bereket shares stories from his work with clients, including one couple who assumed a Europe trip would be too expensive until the numbers became clearer, and another couple who only needed a simple deadline to finally take the next step toward a weekend getaway. Those stories point to a practical truth: when a goal stays vague, it is hard to act on it. But when you give it a destination, a timeline, and a next small step, the plan starts to take shape. Nino and Bereket also talk about how travel planning connects to future planning more broadly. Whether the goal is years away or only a few months away, the process is similar: make the abstract concrete, gather real numbers, identify the next step, and build momentum from there. If you have a trip you want to take but have not known where to begin, this conversation will help you move from “someday” to something clearer. Learn more at NewMoneyHabits.com Join the New Money Habits CommunityStart your 7-day free trial and connect with others building healthier money habits. Memberships start at $7/month. Helpful Resources Mentioned in This Episode [Watch on YouTube](INSERT YOUTUBE LINK)Full video version of this episode. Payday Power PlannerA free tool to help you plan your money between paychecks and make clearer decisions before the next payday arrives. Food Number CalculatorA free tool to help simplify food budgeting and planning. Submit Your QuestionsEmail us at podcast@newmoneyhabits.com Join Our Free Facebook Grouphttps://www.facebook.com/groups/newmoneyhabits Schedule a Free Call with Coach Ninohttps://www.newmoneyhabits.com/freesession Online Course: How to Create a Better BudgetYour Foundation to Financial Freedomhttps://www.newmoneyhabits.com/bootcamp Music CreditsThis episode features music by Summer School. Connect With UsFollow @newmoneyhabits on social media for more insights, tools, and updates.

In the final part of this conversation, Coach Nino Villa and Mary Ann Stenquist focus on one of the most practical parts of mindful spending: how to make better decisions in real time. Mary Ann shares her four Ds of decision-making, a simple framework designed to help people slow down, think clearly, and make spending choices with more intention. This part brings the conversation into everyday application and helps connect mindset with action. If you've ever wished you had a simple way to pause before spending and make a stronger decision, this episode will give you something practical to work with. Learn more at NewMoneyHabits.com Join the New Money Habits Community Join our free community and connect with others building healthier money habits Become a member starting at $7/month Start your 7-day free trial today Helpful Resources Mentioned in This Episode Watch on YouTube: Full video version of this episode Payday Power Planner (FREE): Streamline your budgeting processhttps://www.newmoneyhabits.com/budgeteers/helpful-tools Food Number Calculator (FREE): Simplify food budgeting and planninghttps://www.newmoneyhabits.com/budgeteers/helpful-tools Submit Your Questions: Email us at podcast@newmoneyhabits.com Join Our Free Facebook Group:https://www.facebook.com/groups/newmoneyhabits Schedule a Free Call with Coach Nino:https://www.newmoneyhabits.com/budgeteers/contact Online Course: How to Create a Better Budget: Your Foundation to Financial Freedomhttps://www.newmoneyhabits.com/bootcamp Music CreditsThis episode features music by Summer School. Connect With UsFollow @newmoneyhabits on social media for more insights, tools, and updates.

In Part 2 of this conversation, Coach Nino Villa continues talking with Mary Ann Stenquist about a deeper question: why does shopping sometimes feel less like a want and more like a need? Mary Ann connects the six spending types to Maslow's hierarchy of needs and explains how spending is often tied to emotional needs that are not being met in more lasting ways This conversation goes beyond “just stop spending” advice and looks at what is actually happening underneath the surface. You'll hear why dopamine is only part of the picture, how marketers tap into those deeper needs, and why mindfulness matters if someone wants to change their relationship with money If shopping has ever felt like an escape, a reward, or something you turn to when life feels heavy, this episode will help you understand why. Learn more at NewMoneyHabits.com Join the New Money Habits Community Join our free community and connect with others building healthier money habits Become a member starting at $7/month Start your 7-day free trial today Helpful Resources Mentioned in This Episode Watch on YouTube: Full video version of this episode Payday Power Planner (FREE): Streamline your budgeting processhttps://www.newmoneyhabits.com/budgeteers/helpful-tools Food Number Calculator (FREE): Simplify food budgeting and planninghttps://www.newmoneyhabits.com/budgeteers/helpful-tools Submit Your Questions: Email us at podcast@newmoneyhabits.com Join Our Free Facebook Group:https://www.facebook.com/groups/newmoneyhabits Schedule a Free Call with Coach Nino:https://www.newmoneyhabits.com/budgeteers/contact Online Course: How to Create a Better Budget: Your Foundation to Financial Freedomhttps://www.newmoneyhabits.com/bootcamp Music CreditsThis episode features music by Summer School. Connect With UsFollow @newmoneyhabits on social media for more insights, tools, and updates.

In this episode of The New Money Habits Podcast, Coach Nino Villa is joined by Mary Ann Stenquist, The Money Make Under and Spending Coach, for Part 1 of a conversation about why overspending happens and how to start understanding it more clearly. Mary Ann shares how her own frustration with overspending led her to a different question. Instead of asking why the budget was not working, she started looking more closely at how money was actually being spent and what was driving those decisions. That led her to identify six common spending types and the emotional patterns behind them In this episode, you'll hear why overspending is not always a budgeting problem, how someone can overspend even in categories that feel necessary, and why understanding your spending type can become a starting point for much healthier money habits If you've ever felt confused about why you keep spending in certain ways even when the numbers seem fine on paper, this conversation will help you start making sense of it. Learn more at NewMoneyHabits.com Join the New Money Habits Community Join our free community and connect with others building healthier money habits Become a member starting at $7/month Start your 7-day free trial today Helpful Resources Mentioned in This Episode Watch on YouTube: Full video version of this episode Payday Power Planner (FREE): Streamline your budgeting processhttps://www.newmoneyhabits.com/budgeteers/helpful-tools Food Number Calculator (FREE): Simplify food budgeting and planninghttps://www.newmoneyhabits.com/budgeteers/helpful-tools Submit Your Questions: Email us at podcast@newmoneyhabits.com Join Our Free Facebook Group:https://www.facebook.com/groups/newmoneyhabits Schedule a Free Call with Coach Nino:https://www.newmoneyhabits.com/budgeteers/contact Online Course: How to Create a Better Budget: Your Foundation to Financial Freedomhttps://www.newmoneyhabits.com/bootcamp Music CreditsThis episode features music by Summer School. Connect With UsFollow @newmoneyhabits on social media for more insights, tools, and updates.

In this episode of The New Money Habits Podcast, Coach Nino Villa and Maria Casillas explore something most people don't immediately connect: The relationship between clutter and your money. We tend to think of clutter as a physical problem — too much stuff, not enough space — but it often shows up the same way in our finances. Accounts spread out, decisions delayed, things sitting in the background longer than they should. And over time, that lack of clarity starts to compound. In this conversation, Nino and Maria walk through what it actually looks like to “clean up” your finances — not by doing everything at once, but by starting to see things more clearly. They talk about how clutter affects your mental energy, how disorganization carries over into money decisions, and why small steps toward clarity tend to create more momentum than big, overwhelming plans. You'll also hear practical ways to: • identify where financial clutter is showing up• simplify your financial picture• manage your time and attention more intentionally• help the next generation build better habits early If things have felt scattered, unclear, or heavier than they should, this episode will help you start making sense of it — one step at a time. Learn more at NewMoneyHabits.com Join the New Money Habits Community Join our free community and connect with others building healthier money habits Become a member starting at $7/month Start your 7-day free trial today Helpful Resources Mentioned in This Episode Watch on YouTube: Full video version of this episode Payday Power Planner (FREE): Streamline your budgeting processhttps://www.newmoneyhabits.com/budgeteers/helpful-tools Food Number Calculator (FREE): Simplify food budgeting and planninghttps://www.newmoneyhabits.com/budgeteers/helpful-tools Submit Your Questions: Email us at podcast@newmoneyhabits.com Join Our Free Facebook Group:https://www.facebook.com/groups/newmoneyhabits Schedule a Free Call with Coach Nino:https://www.newmoneyhabits.com/budgeteers/contact Online Course: How to Create a Better Budget: Your Foundation to Financial Freedomhttps://www.newmoneyhabits.com/bootcamp Music CreditsThis episode features music by Summer School. Connect With UsFollow @newmoneyhabits on social media for more insights, tools, and updates.

In this episode of The New Money Habits Podcast, Coach Nino Villa explores three ideas that can reshape the way you think about everyday money decisions. First, Nino walks through one of the most common budgeting questions people ask: How much should we actually spend on food? He shares practical strategies to help you determine a realistic food budget for each pay period so you can feed your family well without feeling out of control at the grocery store. Next, he discusses a growing financial trend among Gen-Z that may sound surprisingly familiar to older generations: cash stuffing. This approach to managing spending highlights how simple, tangible systems can help people stay intentional with their money. Finally, Nino invites listeners to consider a deeper question: What does it mean to serve money? Rather than allowing money to control our decisions, cultivating a mindset of stewardship allows us to manage money with clarity, purpose, and responsibility. In this episode, you'll learn:

In this episode of The New Money Habits Podcast, Coach Nino Villa explains why the words we use around money matter more than we think — especially when it comes to saving. Many people are taught to build an “emergency fund,” but that language often creates stress, fear, and avoidance. Nino challenges that idea and introduces a more grounding alternative: the Peace of Mind Fund. This conversation explores how language shapes belief, belief drives behavior, and how subtle shifts in wording can lead to calmer, more intentional financial decisions. In this episode, you'll learn:

In this episode of The New Money Habits Podcast, Coach Nino Villa answers listener questions about budgeting for gift giving, paying off debt, and planning for spontaneous spending without creating financial stress. Many people struggle to balance generosity, debt elimination, and everyday enjoyment. Nino walks through how intentional financial planning makes room for all three — without guilt or chaos. In this conversation, you'll learn: • How to budget for gifts without disrupting your financial plan• Why planning for “unexpected” spending reduces stress• Practical steps for managing and eliminating debt• How to build a money plan that supports both responsibility and enjoyment Money management isn't about restriction. It's about intention. When you plan ahead, you create space for generosity, progress, and peace of mind. If you're working to build better financial habits while staying grounded and realistic, this episode will help you think differently about budgeting, debt, and everyday spending. For more tools and resources, visit NewMoneyHabits.com Join the New Money Habits Community Join our free community and connect with others building healthier money habits Become a member starting at $5/month Start your 7-day free trial today Helpful Resources Mentioned in This Episode Watch on YouTube: Full video version of this episode Payday Power Planner (FREE): Streamline your budgeting processhttps://www.newmoneyhabits.com/budgeteers/helpful-tools Food Number Calculator (FREE): Simplify food budgeting and planninghttps://www.newmoneyhabits.com/budgeteers/helpful-tools Submit Your Questions: Email us at podcast@newmoneyhabits.com Join Our Free Facebook Group:https://www.facebook.com/groups/newmoneyhabits Schedule a Free Call with Coach Nino:https://www.newmoneyhabits.com/budgeteers/contact Online Course: How to Create a Better Budget: Your Foundation to Financial Freedomhttps://www.newmoneyhabits.com/bootcamp Music CreditsThis episode features music by Summer School. Connect With UsFollow @newmoneyhabits on social media for more insights, tools, and updates.

Is clutter holding you back from financial progress? In this episode of The New Money Habits Podcast, Coach Nino Villa and Maria Casillas explore the powerful connection between physical clutter, financial disorganization, and mental overwhelm. When your environment is chaotic, your money often follows — but the good news is that small, intentional changes can create massive momentum. Nino and Maria break down how clutter silently drains your productivity, increases stress, and makes it harder to stay consistent with your financial goals. More importantly, they share practical strategies you can implement right away to regain control and create lasting habits. In this episode, you'll learn: Why clutter compounds over time — both financially and emotionally How organization can reduce stress and improve decision-making Simple ways to identify and eliminate financial clutter Time management strategies that support stronger money habits How teaching kids financial organization sets them up for long-term success If you're ready to simplify your life, sharpen your focus, and build a clearer path toward financial stability, this episode will give you the tools to start today. Join the New Money Habits Community Join our free community and connect with others building healthier money habits Become a member starting at $5/month Start your 7-day free trial today Helpful Resources Mentioned in This Episode Watch on YouTube: Full video version of this episode Payday Power Planner (FREE): Streamline your budgeting processhttps://www.newmoneyhabits.com/budgeteers/helpful-tools Food Number Calculator (FREE): Simplify food budgeting and planninghttps://www.newmoneyhabits.com/budgeteers/helpful-tools Submit Your Questions: Email us at podcast@newmoneyhabits.com Join Our Free Facebook Group:https://www.facebook.com/groups/newmoneyhabits Schedule a Free Call with Coach Nino:https://www.newmoneyhabits.com/budgeteers/contact Online Course: How to Create a Better Budget: Your Foundation to Financial Freedomhttps://www.newmoneyhabits.com/bootcamp Music CreditsThis episode features music by Summer School. Connect With UsFollow @newmoneyhabits on social media for more insights, tools, and updates.

In this episode of The New Money Habits Podcast, Coach Nino Villa responds to a listener question many people wrestle with:Should you focus on paying off debt first — or saving money? Rather than offering a one-size-fits-all rule, Nino explains why financial principles stay consistent while execution should flex based on real life. He walks through a phased approach to debt elimination, helping listeners understand how to prioritize different types of debt while still maintaining a savings buffer for peace of mind. This episode covers: How to think clearly about debt vs. savings Why execution matters more than rigid rules A phased strategy for tackling interest-bearing debt, non-interest debt, and charge-offs The role of a “peace of mind” fund Practical examples to help you apply these ideas to your own situation If you've felt stuck between wanting to make progress on debt and needing financial stability, this episode offers a thoughtful framework to help you move forward with confidence. Join the New Money Habits Community Join our free community and connect with others building healthier money habits Become a member starting at $5/month Start your 7-day free trial today Helpful Resources Mentioned in This Episode Watch on YouTube: Full video version of this episode Payday Power Planner (FREE): Streamline your budgeting processhttps://www.newmoneyhabits.com/budgeteers/helpful-tools Food Number Calculator (FREE): Simplify food budgeting and planninghttps://www.newmoneyhabits.com/budgeteers/helpful-tools Submit Your Questions: Email us at podcast@newmoneyhabits.com Join Our Free Facebook Group:https://www.facebook.com/groups/newmoneyhabits Schedule a Free Call with Coach Nino:https://www.newmoneyhabits.com/budgeteers/contact Online Course: How to Create a Better Budget: Your Foundation to Financial Freedomhttps://www.newmoneyhabits.com/bootcamp Music CreditsThis episode features music by Summer School. Connect With UsFollow @newmoneyhabits on social media for more insights, tools, and updates.

Emotional spending is rarely about money alone. In this episode of The New Money Habits Podcast, Coach Nino Villa and Maria Casillas explore the deep connection between emotional spending, mental health, and the habits that drive our financial decisions. Using a real-life example from a Facebook group discussion about emotional eating and spending, Nino and Maria unpack the emotions, stressors, and societal pressures that often fuel unhealthy spending behaviors. They explain why simply “stopping the spending” rarely works and why understanding the emotional root behind financial choices is essential for lasting change. This episode highlights the importance of emotional awareness, intentional spending, and having trusted people in your life who can offer support and honest perspective. If you've ever struggled with spending tied to stress, anxiety, or emotional overwhelm, this conversation provides clarity, compassion, and practical guidance for building healthier money habits. Join the New Money Habits Community Join our free community and connect with others building healthier money habits Become a member starting at $5/month Start your 7-day free trial today Helpful Resources Mentioned in This Episode Watch on YouTube: Full video version of this episode Payday Power Planner (FREE): Streamline your budgeting processhttps://www.newmoneyhabits.com/budgeteers/helpful-tools Food Number Calculator (FREE): Simplify food budgeting and planninghttps://www.newmoneyhabits.com/budgeteers/helpful-tools Submit Your Questions: Email us at podcast@newmoneyhabits.com Join Our Free Facebook Group:https://www.facebook.com/groups/newmoneyhabits Schedule a Free Call with Coach Nino:https://www.newmoneyhabits.com/budgeteers/contact Online Course: How to Create a Better Budget: Your Foundation to Financial Freedomhttps://www.newmoneyhabits.com/bootcamp Music CreditsThis episode features music by Summer School. Connect With UsFollow @newmoneyhabits on social media for more insights, tools, and updates.

What happens when a financial coach faces real-life money struggles? In this powerful and transparent episode, Coach Nino Villa shares his personal financial journey, including navigating credit card debt, fluctuating income seasons, and difficult financial decisions. Nino opens up about the emotional weight of money, the lessons learned through financial setbacks, and how his perspective on debt, accountability, and stewardship has evolved over time. This episode explores the importance of financial transparency, trusting God during challenging seasons, and staying grounded in basic financial principles even when circumstances feel overwhelming. Nino also discusses the role of giving, tithing, and faith in his financial decisions, offering encouragement to anyone walking through financial uncertainty. Whether you're working through debt, facing income instability, or seeking peace in your financial life, this episode provides honest insight, practical wisdom, and hope for moving forward with clarity and confidence. Join the New Money Habits Community Join our free community and connect with others building healthier money habits Become a member starting at $5/month Start your 7-day free trial today Helpful Resources Mentioned in This Episode Watch on YouTube: Full video version of this episode Payday Power Planner (FREE): Streamline your budgeting processhttps://www.newmoneyhabits.com/budgeteers/helpful-tools Food Number Calculator (FREE): Simplify food budgeting and planninghttps://www.newmoneyhabits.com/budgeteers/helpful-tools Submit Your Questions: Email us at podcast@newmoneyhabits.com Join Our Free Facebook Group:https://www.facebook.com/groups/newmoneyhabits Schedule a Free Call with Coach Nino:https://www.newmoneyhabits.com/budgeteers/contact Online Course: How to Create a Better Budget: Your Foundation to Financial Freedomhttps://www.newmoneyhabits.com/bootcamp Music CreditsThis episode features music by Summer School. Connect With UsFollow @newmoneyhabits on social media for more insights, tools, and updates.

In this episode of The New Money Habits Podcast, Coach Nino Villa and Maria Casillas discuss how to approach the new year with healthier financial routines and more intentional goal setting. They dive into the rise of no spend challenges, why they've become so popular, and the potential downsides of using restriction-based approaches to manage money. Nino and Maria explain the importance of understanding personal spending habits, redefining spending categories, and identifying emotional or behavioral discomfort tied to money decisions. Rather than focusing on rigid rules, they encourage listeners to practice mindful spending by examining beliefs, motivations, and personal values behind their financial choices. The conversation emphasizes creating a purposeful spending plan that aligns with individual goals and circumstances. This episode is ideal for anyone looking to move beyond trends like no spend challenges and build sustainable, intentional money habits for the new year and beyond. Tools, Resources & Ways to Connect Looking for tools and resources to help you reach your money goals? We've got you covered. Join the New Money Habits Community Join our free community and connect with others building healthier money habits Become a member starting at $5/month Start your 7-day free trial today Helpful Resources Mentioned in This Episode Watch on YouTube: Full video version of this episode Payday Power Planner (FREE): Streamline your budgeting processhttps://www.newmoneyhabits.com/budgeteers/helpful-tools Holiday Spending & Gift Giving Planner (FREE): Plan ahead and spend with intention: https://www.newmoneyhabits.com/budgeteers/helpful-tools Food Number Calculator (FREE): Simplify food budgeting and planninghttps://www.newmoneyhabits.com/budgeteers/helpful-tools Submit Your Questions: Email us at podcast@newmoneyhabits.com Join Our Free Facebook Group:https://www.facebook.com/groups/newmoneyhabits Schedule a Free Call with Coach Nino:https://www.newmoneyhabits.com/budgeteers/contact Online Course: How to Create a Better Budget: Your Foundation to Financial Freedomhttps://www.newmoneyhabits.com/bootcamp Music CreditsThis episode features music by Summer School. Connect With UsFollow @newmoneyhabits on social media for more insights, tools, and updates. no spend challenge, mindful spending, personal finance habits, money routines, financial goal setting, spending habits, intentional spending, budgeting mindset, financial planning, New Money Habits Podcast New Money Habits Podcast, no spend challenge, mindful spending, spending habits, money routines, financial goals, budgeting mindset, intentional living, personal finance, financial wellness

In this episode of The New Money Habits Podcast, Coach Nino Villa and Maria Casillas reflect on the passage of time and the common practice of making New Year's resolutions. They discuss the shortcomings of resolutions, emphasizing the need for deeper purpose and motivation behind goal setting. The duo advocates for setting SMART goals across various life areas, aligning them with spiritual values to ensure meaningful progress in the new year. They discuss the significance of intentional connections in life, the challenges of measuring success in relationships, and the dynamics of parenting. The conversation also addresses the process of building new habits and the technique of habit stacking to facilitate personal growth and development.

In this heartfelt Christmas episode, Coach Nino and Maria discuss the spirit of the season, sharing personal traditions and values that shape their holiday experiences. They navigate the complexities of loss and change, reflecting on how these challenges impact their celebrations. The conversation emphasizes the importance of connection, joy, and meaningful gift-giving while advocating for a simpler, more intentional approach to Christmas. In this conversation, Maria Casillas discussed the significance of thoughtful gift-giving, the impact of consumerism on children's creativity, and the value of experiences over material possessions. They explore how societal norms can lead to a sense of entitlement and how meaningful connections can enhance the joy of giving. The discussion culminates in a reflection on the true meaning of Christmas, emphasizing the importance of following one's purpose and the significance of the holiday season.

In this episode of The New Money Habits Podcast, Coach Nino Villa discusses the profound concept of giving. Join us as Coach Nino embarks on a transformative journey through three key themes: First, Coach Nino defines tithing and provides insights into its practice, shedding light on its historical context and modern-day implications. Through thoughtful analysis and practical examples, listeners will gain a deeper understanding of the purpose and impact of tithing. Next, listeners will explore the importance of giving with a cheerful heart. Coach Nino discusses the teaching of joyful generosity. Finally, Coach Nino encourages listeners to embrace kindness and compassion in their interactions with others. Tune in for an enlightening exploration of giving, tithing, and compassionate living. Join Coach Nino Villa on this inspiring journey toward embracing the heart of giving and nurturing a spirit of kindness, generosity, and compassion.

In this episode of The New Money Habits Podcast, Nino Villa and Maria Casillas continue their discussion about the complexities of credit card use, discussing its benefits and risks. They explore the importance of financial literacy, the security and convenience that credit cards can offer, and the behavioral aspects of managing credit. The dialogue emphasizes the need for a solid foundation in personal finance before engaging with credit tools, while also acknowledging the potential pitfalls of misuse. Ultimately, they advocate for a balanced approach to credit card use, recognizing that it can be a valuable financial tool when handled wisely.

In this episode of The New Money Habits Podcast, Coach Nino Villa and Maria Casillas discuss the complexities of credit card use, discussing its benefits and risks. They explore the importance of financial literacy, the security and convenience that credit cards can offer, and the behavioral aspects of managing credit. The dialogue emphasizes the need for a solid foundation in personal finance before engaging with credit tools, while also acknowledging the potential pitfalls of misuse. Ultimately, they advocate for a balanced approach to credit card use, recognizing that it can be a valuable financial tool when handled wisely.

In this episode of The New Money Habits Podcast, Coach Nino Villa and Maria Casillas take a dive deep into the critical topic of prioritizing expenses and managing your financial margin—whether you're dealing with a surplus or a shortfall. Through an insightful discussion, they explore the unique paradigm of what you think you want versus what you actually need to achieve sustainable financial success. This episode is packed with practical tips and eye-opening revelations that will help you realign your financial priorities, shift your mindset, and make meaningful progress toward your financial goals. Whether you're struggling to make ends meet or figuring out how to best use your extra income, this conversation will provide the guidance you need to navigate your financial journey with clarity and purpose.

In this episode of The New Money Habits Podcast, Coach Nino Villa and Maria Casillas discuss the importance of teaching personal finance to your kids, focusing on values and financial literacy. They explore the challenges of preparing the next generation for adulthood in a changing economy, emphasizing the distinction between vocation and career. The discussion also touches on cultural perspectives regarding adult children living at home, the significance of financial responsibility, and the necessity of open conversations with children about their values and goals.

In this episode of The New Money Habits Podcast, Nino Villa and Maria Casillas discuss the importance of early holiday budgeting and the emotional aspects of gift-giving. They emphasize the need for open communication about financial planning within families, especially regarding Christmas. The discussion transitions into the motivations behind giving, exploring how to give without feeling obligated and the significance of seeking God's will in our generosity. They also highlight the importance of balance in giving, focusing on time, talent, and treasure, and encourage listeners to create a personalized plan for their generosity.

In this episode of The New Money Habits Podcast, Coach Nino Villa shares personal updates about his busy life and transitions, particularly focusing on his daughter's college planning journey. He discusses the importance of exploring various funding options for college, including scholarships, dual enrollment, and alternative paths like trade education. Nino emphasizes the need for parents to let go of guilt regarding financial preparedness and encourages proactive planning for their children's education. If you're serious about growth — in money, mindset, or life — this episode will inspire you to invite honesty and clarity into your journey.

In this episode of The New Money Habits Podcast, Coach Nino Villa and Maria Casillas discuss the transition into the new year, focusing on routines, goal setting, and the popular trend of no spend challenges. They explore the reasons behind the rapid growth of no spend groups, the importance of understanding personal spending habits, and the need for mindful spending rather than restrictive challenges. The discussion emphasizes the significance of personalizing financial approaches and identifying discomfort in spending to foster better financial habits. In this conversation, the duo explore the importance of understanding and redefining spending categories to foster mindful spending habits. They discuss how personal connections to spending can lead to more intentional financial decisions, emphasizing the need to reflect on beliefs and motivations behind spending behaviors. The conversation highlights the significance of creating a purposeful plan for spending, encouraging listeners to seek help in identifying their financial goals and challenges. If you're serious about growth — in money, mindset, or life — this episode will inspire you to invite honesty and clarity into your journey.

In this episode of The New Money Habits Podcast, Nino Villa and Maria Casillas dive into why every person needs someone who tells them the truth — not just what they want to hear. Beyond simple accountability, this is about finding a trusted voice who challenges you, supports you, and helps you see what you might be missing. Discover how to identify the right person to speak truth into your life, why their honest feedback can accelerate both your financial and personal growth, and how embracing reflection leads to real, lasting change. If you're serious about growth — in money, mindset, or life — this episode will inspire you to invite honesty and clarity into your journey.

In this episode of The New Money Habits Podcast, Nino Villa and Maria Casillas discuss the importance of community and connection in personal finance. They share insights on how to challenge perspectives on money, the need for financial education, and the benefits of one-on-one coaching. The conversation emphasizes the value of support and accountability in achieving financial goals, as well as the unique offerings of New Money Habits.

Ready to take control of your Christmas spending?

In this episode of The New Money Habits Podcast, Nino Villa and Maria Casillas discuss effective strategies for budgeting food expenses, emphasizing the importance of practicality and mindfulness in planning. They explore the balance between grocery shopping and dining out, the impact of family size on budgeting, and the significance of intentional spending. The discussion also highlights common challenges in budgeting and offers practical tips for overcoming them, including shopping strategies and the importance of understanding one's financial situation. #foodbudgeting #groceryshopping #mealplanning #familyexpenses #financialliteracy #diningout #budgetingstrategies #intentionalspending #financialplanning #foodexpenses

Join Coach Nino Villa as he discusses the importance of ending the stigma around seeking financial help. Discover the parallels between mental health and financial wellness, and learn why asking for assistance is a sign of strength, not weakness. #FinancialFreedom #EndTheStigma #MoneyMatters

Feeling stuck or overwhelmed by your finances? You're not alone. In this episode of The New Money Habits Podcast, Coach Nino Villa explores the many different starting points on the financial journey—from being behind on bills or living paycheck to paycheck, to dealing with debt or simply feeling lost. In this episode, you'll hear: Real client stories and testimonials that prove change is possible The importance of financial literacy, intentionality, and proactive planning Actionable strategies to help you move from struggle to stability, no matter your current situation Encouragement and resources for taking your next step toward financial growth Join Nino to discover how the right guidance and mindset can help you build a brighter financial future—starting right where you are. #FinancialLiteracy #MoneyMindset #StartYourJourney

Are you ready to move beyond abstract financial ideas and create a plan that truly works? In this episode of The New Money Habits Podcast, Coach Nino Villa draws from his extensive coaching experience to emphasize the critical importance of having a real, actionable financial plan. Nino shares how understanding your unique financial situation is the foundation for success and explains the benefits of working with a coach to navigate real-life money challenges. He highlights the value of learning through practical scenarios and introduces tools designed to help you manage your finances effectively. More than just numbers, this episode reflects Nino's purpose: empowering you to achieve lasting financial stability through clear, practical steps. Join him to transform your financial knowledge into meaningful action and build a plan that supports your goals and peace of mind. #FinancialPlanning #MoneyManagement #FinancialCoaching

Ever wonder why you overspend — even when you know better? Overspending isn't just about poor discipline or lack of willpower. It's the result of a chain reaction: activating events spark emotions, emotions drive behaviors, and at the root of it all are the thoughts and beliefs you hold about money. In this episode of The New Money Habits Podcast, Coach Nino unpacks the psychology of overspending through a cognitive behavioral lens. From takeout dinners after a long day to impulse buys online, we'll explore common overspending behaviors, the events and emotions that fuel them, and the hidden money beliefs that keep you stuck.

Ever wonder how your beliefs about money shape your financial decisions?

Struggling to stick to your budget?

Curious how new government policies could affect your money?

Is it time for a financial reset?

Ready to take control of your Christmas spending?

How do you define financial freedom?

Are you caught in the cycle of 'buy now, pay later'?

Are you a recent high school graduate or a parent of one?

Have you considered how end-of-life planning can ease the burden on your loved ones?

Are you ready to change the way you think about savings?

Are you a gig worker or independent contractor?

Ready to travel without breaking the bank?

Is it time to repair your car or replace it?

Confused about student loans, defaults, or repayment options? In this episode of The New Money Habits Podcast, Coach Nino Villa and The Student Loan Coach Renée Earwood discuss the complexities of student loans, focusing on key terms like deferment, forbearance, and default. They explore the impact of COVID-19 on student loan repayment, the options available for borrowers in default, and the various income-driven repayment plans. The discussion also touches on the legislative landscape surrounding student loans and emphasizes the importance of staying informed and taking action to manage student debt effectively.

In this episode of the Money Habits podcast, Coach Nino Villa engages with licensed financial advisor Bereket Kelile to explore the intricacies of financial planning, particularly focusing on retirement. They discuss the importance of financial literacy, the journey of personal finance, and the various stages of life that influence financial decisions. The conversation emphasizes the need for a proactive approach to managing debt, building wealth, and preparing for market volatility, while also addressing the mindset shifts necessary for financial success. Listeners are encouraged to prioritize planning and seek guidance to navigate their financial journeys effectively.

In this episode of The New Money Habits Podcast, Coach Nino Villa and Cody Sizemore discuss the importance of understanding personal finance beyond just numbers. They explore the psychological aspects of money management, the impact of economic fluctuations, and the significance of long-term investment strategies. Cody shares his approach to financial coaching, emphasizing the need for emotional healing and behavioral change in clients to achieve financial success. They also address the current economic climate, providing practical advice on how to navigate financial challenges and the importance of maintaining a long-term perspective in investing. In this conversation, Nino and Cody discuss the importance of financial stability in the face of economic uncertainty. They explore strategies for managing personal finances, including budgeting, saving, and debt management. The discussion emphasizes the need for a proactive mindset and the importance of aligning spending with personal values. They also address the challenges posed by rising costs of living and provide actionable advice for listeners to navigate their financial situations effectively.