Podcast appearances and mentions of crystal paine

Join the  Uplift Community App  TODAY!  When I think about Crystal Paine's story, I always come back to how it really started. She did not launch Money Saving Mom with a polished business plan. She launched it from a basement apartment while she was sick during her first pregnancy, with a laptop and a real need to figure out how to make money online because they were almost broke. Two years later, a simple three day ebook bundle sale brought in three thousand dollars, and she realized she was building something that mattered. By 2015, her business had grown into a seven figure brand. She was speaking across the country, signing book deals, and juggling media opportunities. And at a coffee date, she told me she could not think of one thing she felt excited about. That is the part of business growth we do not talk about enough. In this episode, Crystal walks me through her career in eras. The scrappy startup years. The explosive growth phase. The burnout that followed. The year of rest that saved her. And the season she is in now. Crystal and I have been friends for years, and I have been her business coach, so this conversation goes deeper than most interviews ever do. What You'll Learn in This Episode: Why the first two years of an online business almost always look like failure before they look like progress. What Crystal learned from a$3000 3-day sale that completely shifted her understanding of momentum. The identity reckoning that happens when your money saving brand starts making real money. How a scarcity mindset and a season of saying yes to everything pushed Crystal straight into burnout, and what climbing out of it actually required. Why she declared 2016 her year of rest and what it took to peel back the layers of dysfunction she had been carrying. The surprising strategies working in Crystal's business right now that most people would never think to try. Timestamps: (01:58) The early days: law school, infertility, a sick pregnancy, and a laptop (03:14) How Crystal fell into blogging in 2004 before blogging was a thing (09:18) Two years in, the $3,000 bundle sale, and the moment momentum became real (11:15) The 2008 economy, coupon culture, and right‑time‑right‑place growth (13:45) Simply Sensible: the failed site that taught Crystal the difference between copying someone else's dream and walking into her own (15:58) Breaking down the eras: startup, growth, burnout, rest, and now (20:00) Seven figures, speaking everywhere, and feeling completely dead inside   Links to great things we discussed:  Money Saving Mom Crystal Paine Instagram Crystal's Product Recommendation: Promise Dreamy Mango Serum Crystal's TV Recommendations: The West Wing & Lost Portable Keychain Charger for Apple Watch  Function Health Uplift App Wise Woman Era Alli on YouTube   I hope you loved this episode!

You keep thinking life will finally calm down… someday.When the kids get older.When work slows down.When the schedule becomes more manageable.When you finally stop feeling behind.But so often, that day never comes.Because the issue usually isn't just your schedule.It's the pressure of feeling like everything depends on you.In this episode, Crystal Paine shares what she's learning about time, priorities, and surrender while balancing motherhood, business leadership, foster care, special needs parenting, writing books, and raising six children.And honestly?This conversation feels like a deep breath.Crystal shares how one of her sons completely changed the way she thinks about productivity, why she stopped chasing a “calm life,” and what it looks like to practice calmness in the middle of real-life chaos instead.Here's some of what we get into in this episode:• why worry quietly drains more time and energy than most women realize• the practical rhythms Crystal uses to create more margin, breathing room, and intentionality• how her “6x2 Priority System” helps women focus on what matters without trying to do everything every day• the powerful connection between budgeting money and budgeting time• why habit stacking and tiny consistent actions create long-term transformation• and how surrendering your time to God changes the way you approach your entire dayCrystal also shares her free resource:25 Ways to Save an Hour Each Week—a practical guide filled with simple ways to reduce overwhelm and create more breathing room in your schedule.You can grab it here:https://timesavingmom.com/transcriptIf you've been feeling like there's never enough time…or like you're constantly trying to hold everything together…this episode will help you rethink what it means to steward your time well.Not through pressure.Not through perfection.But through prayer, priorities, and trusting God to multiply what you place in His hands.Let's continue the conversation with you inside the REDEEM Her Time Community.Come share:

Join Sarah and I as we answer listener questions! -How to find balance in all the responsibilities of life? -How to have discernment when choosing books to read? -How to get your children in God's Word? -How to invest in long-distance friendships? -Fun (screen free) ideas for family time?     Resources Referenced: Watch the interview on YouTube https://youtu.be/GLfMzYLkKag   NHC Podcast: Balancing Homemaking and Littles https://podcasts.apple.com/au/podcast/balancing-homemaking-and-littles/id1547126864?i=1000702992591  NHC Podcast: Balancing Homemaking and Homeschooling https://podcasts.apple.com/au/podcast/balancing-homemaking-and-homeschooling/id1547126864?i=1000703857446  Time Saving Mom by Crystal Paine https://amzn.to/4v5Y3E7  Friendship Note Cards https://nohighercalling.org/shop/heart-and-home/friendship-note-cards/  Journey Homeschool Academy https://journeyhomeschoolacademy.com/   Follow my  journey by subscribing to this podcast. You can also follow me on Instagram, YouTube, and www.nohighercalling.org Subscribe to the NHC email at www.nohighercalling.org 

Time management, intentional living, and stewardship are at the heart of this week's episode. If you've been feeling overwhelmed, distracted, exhausted, or frustrated by how quickly life is moving, this conversation is for you. In this episode, I'm talking about the ways our lives can slowly drift when we stop living intentionally. From overcommitment and people-pleasing to endless scrolling, burnout, and inconsistent habits, this episode will challenge you to stop reacting to life and start stewarding your time, energy, and priorities with wisdom. Real transformation rarely happens through giant moments. More often, it's built through small daily choices repeated consistently over time.  If you've been wanting healthier rhythms, more peace, stronger boundaries, or simply a life that feels more aligned with your priorities, I hope this episode encourages and challenges you. Highlights from Today's Episode Stewarding your time Scheduling your priorities Protecting what matters Related Resources Struggle with truly resting or feel guilty taking time away? Check out this blog post. This podcast episode with Crystal Paine dives even deeper on time management and juggling all things well. If you've been discouraged by slow progress or wondering if your small efforts matter, check out this episode on how God can multiply what we have in our hands. CLICK HERE FOR FULL SHOW NOTES The post #575 – Maximizing Your Time This Summer first appeared on Chrystal Evans Hurst.

Summer is not that far off, and for many families, the kids are already dreaming about vacation. But parents may be asking a different question: How can we make great family memories without breaking the budget? A family vacation can be a wonderful gift, but it doesn't have to create financial pressure that follows you home. With a little planning, creativity, and communication, you can enjoy meaningful time together while staying within your means. Crystal Paine, creator of MoneySavingMom.com, joined us on today's show to share practical ways families can plan a memorable, budget-friendly vacation. Start Planning Early The first step is to plan ahead. The earlier you begin, the more options you'll have for lodging, travel, and activities. Crystal recommends considering destinations that are a little off the beaten path. These places often have fewer crowds and lower prices while still offering plenty of opportunities for rest and fun. If you're flying, she suggests using Google Flights to search flexible destinations. You can enter your travel dates and explore lower-cost flight options across the country. Just as important, set a clear budget for the entire trip before you go. Decide what matters most to your family. Maybe staying near the beach is a priority, but eating out every meal is not. Knowing those priorities ahead of time helps you spend intentionally rather than react in the moment. Take Advantage of Free Activities Some of the best vacation memories don't cost anything. Crystal encourages families to search for free things to do in their destination. Try looking up phrases like “best free things to do” along with the name of the city or area you'll be visiting. You may find hiking trails, local parks, self-guided walking tours, free museums, art exhibits, festivals, or concerts. These activities are often overlooked, but they can become the hidden gems of a trip. And they remind us that meaningful experiences don't always require a high price tag. Get the Whole Family Involved A vacation is more enjoyable when everyone feels included. Ask your children what they would enjoy doing. You may not be able to do everything, but letting each person choose one activity can help the trip reflect the whole family's interests. Crystal also suggests giving each family member a set budget and allowing them to plan a few hours of the vacation within that amount. This can be a fun way to teach kids practical money skills. They learn how much things cost, how to make tradeoffs, and how to enjoy the responsibility of planning. Be Strategic About Meals Food can quickly become one of the most expensive parts of a trip, especially if you eat out for every meal. One way to save is to stay somewhere that offers free breakfast. Then, bring snacks or simple meal items from home. If you're flying and can't pack much food, visit a grocery store when you arrive. A loaf of bread, peanut butter and jelly, fruit, carrots, chips, or sandwich supplies can cost far less than several restaurant meals. That doesn't mean you can't enjoy a special meal out. Part of a vacation can be the fun of eating at a memorable place. The key is to be strategic. Choose the meals you want to splurge on, and save on the rest. Set a Daily Spending Limit Before the trip begins, decide how much you can spend each day. Then, make it a family challenge to stay under that amount. This can turn budgeting into a game rather than a burden. It helps children think carefully about purchases and gives everyone a shared goal. Instead of saying yes to everything in the moment, your family can work together to decide what is truly worth the cost. Come Home With Memories, Not Debt The best vacation is not the one with the biggest price tag. It's the one that gives your family time together, creates lasting memories, and allows you to come home without financial regret. A budget-friendly vacation doesn't mean settling for less. It means choosing what matters most, planning wisely, and remembering that joy is not found in how much we spend, but in the people we share life with. On Today's Program, Rob Answers Listener Questions: I'm 66, recently retired from the Air Force, and considering taking Social Security before full retirement age. What income counts toward the earnings limit—just wages, or also pension income and IRA withdrawals? And how does a lump-sum vacation payout affect that? I'm 60 and plan to work until 67. I have traditional and Roth IRAs. Should I continue doing small Roth conversions each year, as my CPA suggested, or wait until retirement? What's the advantage of converting now? I'm 72, turning 73 soon. Can I use a donor-advised fund to satisfy my RMDs, and when exactly do RMDs begin? Resources Mentioned: Faithful Steward: FaithFi's Quarterly Magazine (Become a FaithFi Partner) MoneySavingMom.com  Our Ultimate Treasure: A 21-Day Journey to Faithful Stewardship by Rob West Wisdom Over Wealth: 12 Lessons from Ecclesiastes on Money Look At The Sparrows: A 21-Day Devotional on Financial Fear and Anxiety Rich Toward God: A Study on the Parable of the Rich Fool Find a Certified Kingdom Advisor® (CKA) FaithFi App Remember, you can call in to ask your questions every workday at (800) 525-7000. Faith & Finance is also available on Moody Radio Network and American Family Radio. You can also visit FaithFi.com to connect with our online community and partner with us as we help more people live as faithful stewards of God's resources. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

How can you make great family memories without breaking the budget? That’s always the challenge and since summer is not that far, the kids are already thinking “vacation.” What can you do to be ready? On the next Faith & Finance Live, Rob West and Crystal Paine share some great tips for a budget-friendly family vacation. Then, it’s on to your questions on different financial topics. That’s Faith & Finance Live—where biblical wisdom meets today’s financial decisions—weekdays at 4pm Eastern/3pm Central on Moody Radio. Faith & Finance Live is a listener supported program on Moody Radio. To join our team of supporters, click here.To support the ministry of FaithFi, click here.To learn more about Rob West, click here.To learn more about Faith & Finance Live, click here.See omnystudio.com/listener for privacy information.

Join Sarah and I as we share some of our favorite books on the topics of faith, marriage, motherhood, health, and   Books Mentioned: A Shepherd Looks at Psalm 23 by W. Phillip Keller https://amzn.to/4dt3iYP  What Do I Know About My God? by Mardi Collier https://amzn.to/4cVJRrI  Glimpses of God Revealed Through His Names by Debi Pryde https://amzn.to/4bxksCi  How I Know God Answers Prayer by Rosalind Goforth https://amzn.to/4sYNhP7  Climbing by Rosalind Goforth https://amzn.to/47GLjdP  Praying the Bible by Donald Whitney https://amzn.to/479wQah  Sacred Marriage by Gary Thomas https://amzn.to/4bBYqhK  Cherish by Gary Thomas https://amzn.to/4bRmrCE  His Needs Her Needs by Willard. F. Harley https://amzn.to/4rFjEkQ  Intended for Pleasure by Ed Wheat https://amzn.to/4uJQqnF  The 5 Love Languages of Children by Gary Chapman https://amzn.to/4bjze0C  The Time-Saving Mom by Crystal Paine https://amzn.to/4uyeael  Parenting with Mercy by Michelle Brock https://amzn.to/4lC6cwB The Strong-Willed Child by Dr. James Dobson https://amzn.to/3NH8vSx  Hormone Repair Manual by Dr. Lara Briden https://amzn.to/4sjRyfS  The Fifth Vital Sign by Lisa Hendrickson-Jack https://amzn.to/4ducOLm  Be Your Own Doctor by Rachel Weaver https://amzn.to/4rDfIkw  Awaking Wonder by Sally Clarkson https://amzn.to/4rE1pMm  The Read-Aloud Family by Sarah Mackenzie https://amzn.to/4cVLTIm  A Charlotte Mason Companion by Karen Andreola https://amzn.to/3PgYlse  Mother Culture by Karen Andreola https://amzn.to/4bBZK4c  Educating the Whole Hearted Child by Clay and Sally Clarkson https://amzn.to/3PJGeLC  Carry On, Mr. Bowditch by Jean Lee Lathum https://amzn.to/4uDrNZI The Little Pilgrim's Progress by Helen Taylor https://amzn.to/40ABXwq  Stepping Heavenward by Elizabeth Prentiss https://amzn.to/3NLSKtu  (Amazon affiliate links. Should you choose to purchase through these links, thank you! At no cost to you, it gives a little back to the ministry of NHC)   Resources Referenced: Psalm 23 Study on the NHC Podcast https://nohighercalling.org/podcast_series/psalm-23/  Watch the interview on YouTube https://youtu.be/us3oPYqFAwI    Follow my  journey by subscribing to this podcast. You can also follow me on Instagram, YouTube, and www.nohighercalling.org Subscribe to the NHC email at www.nohighercalling.org 

Crystal Paine returns to The 1000 Hours Outside Podcast for a deeply encouraging conversation about what it takes to move from constantly behind and worn out to a life marked by peace, purpose, and intention. In this episode, Crystal and Ginny talk about motherhood, margin, money, home rhythms, digital distraction, raising capable kids, learning from failure, and the long view that changes everything when your days feel full and frayed. Crystal's wisdom is practical, honest, and full of hope for moms who feel like they are carrying too much, and this episode will leave listeners believing that small shifts really can change the atmosphere of a home. Check out Crystal's website, as well as her books including: Say Goodbye to Survival Mode, The Time Saving Mom, Love Centered Parenting, and her latest book that releases in September The Seven Habits of Financially Healthy Women . Learn more about your ad choices. Visit megaphone.fm/adchoices

The key to a successful morning routine is a good evening routine. Many of us want productive mornings, but we often forget that they begin the night before. When we use our evenings to prepare for the next day, spend meaningful time connecting with family, and allow our bodies and minds to wind down for quality sleep, we create not only more peaceful evenings but better mornings as well. In this episode, we discuss... Why having an evening routine is important Establishing your evening priorities Ways to wind down well, promoting refreshment and good sleep How gratitude plays a huge role in our spiritual and mental wellness   Resources Referenced: The Time Saving Mom by Crystal Paine https://amzn.to/3Pc8pCI  Earthley Wellness Goodnight Magnesium Lotion https://earthley.com/products/good-night-lotion  Subscribe to the NHC Email www.nohighercalling.org  World Watch News https://app.worldwatch.news/?referral_code=DBgHDaDHgeBeiD   Follow my  journey by subscribing to this podcast. You can also follow me on Instagram, YouTube, and www.nohighercalling.org Subscribe to the NHC email at www.nohighercalling.org 

Money fights are rarely about the money.They usually start somewhere small. A decision. An assumption. A moment that feels harmless at the time.And then suddenly you are on a honeymoon, of all places, realizing you are not actually on the same financial page at all. That is exactly where this conversation begins.Amanda shares a story that many couples will recognize: a beautiful life moment that quietly turned stressful because expectations were never spoken out loud.Because money is not just math! It is emotion, trust, and more.In this interview, we dig into what happens when financial communication falls through the cracks and why those cracks often appear during big life events when we least expect them.You will see how:silence around money can create conflict even in strong relationshipscredit cards can blur the reality of spending in stressful momentssurprise expenses often show up when emotions are already highassumptions about “who is paying for what” can quietly derail connection financial stress spills into relationship dynamics faster than we thinktalking about goals early can prevent hurt laterplanning together creates more peace than planning alonemistakes around money can become powerful growth pointsResources We Mentioned for Financial Literacy for FamiliesCheck out Wallet Win, the Teixeiras' courses for kids and teens about finance (and get $10 off with my link), or the Catholic Money Academy for grown-upsTeaching Kids the Value of Money and Joy in Spending and SavingTeaching Kids about Debt EarlyMy reel about Gabe's blankets for the homeless populationTeach teens how to budget with Crystal Paine's One-Hour Budget for Teens (use code LIFESKILLS for a discount!)Reducing your food budget while eating real foodHow to make homemade yogurtAmanda's workshop on Allowance vs. Wages is in Season Four of #LifeSkillsNowShop Truly Free household cleaners and more at https://kidscookrealfood.com/trulyfree! Get 4 #LifeSkillsNow videos at kidscookrealfood.com/skillsKitchen StewardshipRaising Healthy Families follow Katie on Instagram or FacebookSubscribe to the newsletter to get weekly updatesYouTube shorts channel for HPHFind the Healthy Parenting Handbook at raisinghealthyfamilies.com/podcastAffiliate links used here. Thanks for supporting the Healthy Parenting Handbook!

March is about Money! Episode 330 is a fun, practical, and faith-filled conversation as Suzanne sits down with Crystal Paine (MoneySavingMom.com) to help families approach money, time, and motherhood with wisdom and peace. Crystal—mom of six (from almost 21 to age 3), writer, speaker, podcaster, and CEO of a small team—shares how her family learned to live intentionally and stay out of debt during law school by getting creative with groceries, simplifying, and focusing on what actually works in real life. She breaks down why saving money doesn't have to mean clipping paper coupons (hello, digital deals!) and introduces a powerful mindset shift: time is money—so any “money-saving” habit should be worth the time it takes. You'll hear practical, step-by-step encouragement for overwhelmed moms, including why menu planning is the best first step (before trying to overhaul a budget), how to set a realistic grocery budget, and how to make slow, steady progress without stress. Crystal also explains why learning money systems can feel like learning a foreign language—and why starting small is the key to long-term success. The conversation goes deeper as Crystal shares her parenting journey through a hard season, how God reshaped her heart, and the story of foster care, adoption, and unexpected pregnancies that changed everything. She reminds listeners that the foundation for home management isn't hustle—it's starting with prayer, trusting God with the day, and letting Him multiply what we don't have. Crystal leaves families with one central takeaway: Emmanuel—God with us. You don't have to white-knuckle life alone. God is present, powerful, and faithful in the details. Podcast Resources: Click here for everything Crazy Cool Family! Give us a review! MoneySavingMom

Need time management just for moms? Crystal Paine of "The Time-Saving Mom" explains an easy-to-implement four-step system to organize and simplify your life. To support this ministry financially, visit: https://www.oneplace.com/donate/84/29?v=20251111

Need time management just for moms? Crystal Paine of "The Time-Saving Mom" explains an easy-to-implement four-step system to organize and simplify your life. To support this ministry financially, visit: https://www.oneplace.com/donate/84/29?v=20251111

Too much to do, not enough time to do it? You don't just have to hustle harder. You can simplify and (yes) enjoy your life. Crystal Paine — mom of six, bestselling author of "The Money-Saving Mom," and entrepreneur — delivers real-world, no-nonsense time management advice for moms from her latest book, "The Time-Saving Mom." Her ideas will keep you sane and enjoying the things you love most. To support this ministry financially, visit: https://www.oneplace.com/donate/84/29?v=20251111

Too much to do, not enough time to do it? You don't just have to hustle harder. You can simplify and (yes) enjoy your life. Crystal Paine — mom of six, bestselling author of "The Money-Saving Mom," and entrepreneur — delivers real-world, no-nonsense time management advice for moms from her latest book, "The Time-Saving Mom." Her ideas will keep you sane and enjoying the things you love most. To support this ministry financially, visit: https://www.oneplace.com/donate/84/29?v=20251111

Artist and songwriter Matthew West joins Kirk Cameron for an inspiring conversation about the power of prayer. Don't miss this inspiring interview on Takeaways with Kirk Cameron on TBN! Missed the last episode? Listen in as Crystal Paine examines the relationship between our full reliance on God and maximizing time and energy. ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠WATCH Takeaways with Kirk Cameron episodes for free on TBN+⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠! Each episode of Takeaways with Kirk Cameron features knowledgeable guests having a respectful and thoughtful conversation surrounding topics that are impacting our society every day. Kirk's hope is that you will walk away from this show with practical steps on how to better your family, your community, and your nation. Learn more about your ad choices. Visit megaphone.fm/adchoices

Staying on budget doesn't have to be complicated—or exhausting. A growing number of families are discovering that a simple, five-minute weekly check-in can make the difference between feeling reactive and feeling in control. On today's episode of Faith and Finance, Crystal Payne joins us to offer a practical rhythm for keeping your spending aligned with your priorities. Crystal is the founder of MoneySavingMom.com and the author of several bestselling books on frugal living and family budgeting. She writes extensively on financial stewardship in the latest issue of Faithful Steward magazine.Crystal's approach centers on six weekly questions—each one designed to build awareness, reduce stress, and encourage intentionality rather than guilt or perfectionism.1. What worked this week? Begin with the wins. Identifying progress reinforces good habits and motivates continued change.2. What didn't work this week? Honesty about drift or weak spots brings clarity. Patterns often emerge in categories such as dining out or impulse purchases. The goal isn't shame—it's information.3. What do I want to change? Awareness should lead to one small, actionable adjustment for the week ahead—rebalancing a category, revising expectations, or improving tracking.4. What surprised me? Looking for unexpected expenses, higher bills, or forgotten credits helps reduce future anxiety and highlights planning opportunities.5. Was I over budget anywhere? Overages aren't failures; they show where reality differs from assumptions. This is where Crystal recommends treating your budget like a GPS—when life takes a detour, simply recalculate.6. Any “aha” moments? These reflect where money, values, and emotions intersect. Many people recognize that a bit of planning reduces tension, that habits shape outcomes, or that spending aligns—or doesn't—with their priorities.At the heart of this rhythm is intentionality. Crystal notes that a budget isn't meant to sit in the background until there's a problem. When revisited consistently, it becomes a tool that works for you rather than a set of rules you feel pressured to obey.For married couples, Crystal suggests reviewing the budget together, approaching the conversation with curiosity rather than criticism. Shared visibility promotes unity and helps both spouses move their priorities forward without resentment or misunderstanding.A five-minute weekly review may sound small, but over time it transforms budgeting from crisis-management into stewardship. It helps families spend purposefully, adjust gracefully, and ensure their financial decisions reflect what they truly value.On Today's Program, Rob Answers Listener Questions:My husband and I are trying to decide how to handle our son's $6,500 student loan. He's in the military and hasn't made payments since 2015. Should we pay it off in full from our retirement or savings, or just pay the minimum $75 per month and put that amount into an emergency fund for him and his wife? Also, would paying monthly affect his credit score?I'm 36 and have a 401(k), but I contribute about $25 every two weeks. I'd like to invest more, but I don't fully understand the differences among NASDAQ, S&P, index funds, and other investment options. What's the best strategy for someone my age who can take some risk?I retired at 66 and have never touched my employer retirement account or my IRA. I just turned 73, so I have to start taking RMDs. How are RMDs calculated, and how can I use them in a way that still allows me to tithe, give, and leave money to my children?Resources Mentioned:Faithful Steward: FaithFi's Quarterly Magazine (Become a FaithFi Partner)MoneySavingMom.comHow Can I Keep My Budget On Track? By Crystal Paine (Article in Faithful Steward Issue 4)Wisdom Over Wealth: 12 Lessons from Ecclesiastes on MoneyLook At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA)FaithFi App Remember, you can call in to ask your questions every workday at (800) 525-7000. Faith & Finance is also available on Moody Radio Network and American Family Radio. You can also visit FaithFi.com to connect with our online community and partner with us as we help more people live as faithful stewards of God's resources. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Staying on budget doesn’t have to be complicated. Sometimes, all it takes is five intentional minutes each week. A budget isn’t a “set it and forget it” tool; it’s something we revisit so our spending lines up with our values. On the next Faith & Finance Live, Crystal Paine joins Rob West to share a simple weekly rhythm that can help you stay on track. Then, it’s on to your calls. That’s Faith and Finance Live . . . biblical wisdom for your financial decisions. That’s weekdays at 4pm Eastern/3pm Central on Moody Radio. Faith & Finance Live is a listener supported program on Moody Radio. To join our team of supporters, click here.To support the ministry of FaithFi, click here.To learn more about Rob West, click here.To learn more about Faith & Finance Live, click here.See omnystudio.com/listener for privacy information.

Is it possible to truly live a life you love? Join me and Sarah Boots from Faithful & Flourishing as we seek to answer this question based on truths from God's Word. We explore how to build an excellent life—not a perfect one—through intentional choices rooted in faith and wisdom. Drawing from Proverbs 29:18, we discuss the power of a clear vision to give direction and purpose. You'll learn to identify your top 5 priorities, use them as a decision-making filter, and align daily habits with what matters most—through keystone habits, habit stacking, and asking, "What will tomorrow's me thank today's me for?" We also dive into the freedom of simplicity: decluttering your space, schedule, and mind to create margin for family, faith, and rest—because a cluttered life often crowds out what we claim to value. Discover practical steps to live with purpose, avoid burnout, and ensure your time truly reflects your deepest priorities.   Resources Referenced: Time Saving Mom by Crystal Paine https://amzn.to/495jHzc  Find Sarah on Instagram at Faithful & Flourishing https://www.instagram.com/faithfulandflourishing/  Watch the interview on YouTube! https://youtu.be/F78KcA4fSlM    Follow my  journey by subscribing to this podcast. You can also follow me on Instagram, YouTube, and www.nohighercalling.org Subscribe to the NHC email at www.nohighercalling.org 

Understanding God's love for YOU can radically alter your parenting. Crystal Paine will share her story of transformation from fear to love-centered parenting. And she'll describe the four most important choices you can make as a parent.

Christmas is meant to be a season of joy—but for many of us, it becomes a whirlwind of overspending, overcommitting, and feeling overwhelmed. The good news? It doesn't have to be that way. With a bit of planning and the right perspective, you can slow down, simplify, and savor what truly matters.Today, Crystal Payne—creator of MoneySavingMom.com—shared practical ways to simplify Christmas while keeping your heart centered on Christ. Here's a look at her best advice for making this season more peaceful, meaningful, and budget-friendly.Rediscover the Meaning of ChristmasBefore diving into logistics or budgeting, Crystal encourages families to anchor the season in what matters most.1. Practice Daily Advent ReflectionsHer family uses Ann Voskamp's Advent book, complete with ornaments and daily devotionals. The readings are short, kid-friendly, and a gentle, daily reminder of the story at the heart of Christmas.2. Create a Family Giving ProjectEvery December, Crystal's children choose a giving project—something meaningful to them—and the whole family contributes. The kids even make donation boxes and help gather change throughout the month. It's a hands-on way to practice generosity and keep the focus on others.Simplify Your Gift ListFor many people, gift-giving is the biggest stressor in December.Crystal recommends asking yourself:Who do I feel I should buy for?Who do I want to buy for?What budget do I realistically have?If your list and budget don't match, consider simplifying:Family gifts instead of individual giftsExperience gifts rather than itemsHomemade or low-cost gifts, especially for people who “have everything”Crystal's free Christmas guide at MoneySavingMom.com includes 15 simple DIY gift ideas—from movie-night boxes to Sharpie-designed mugs to homemade baked goods.Keep Spending in CheckOverspending is easy at Christmas—but planning helps.Save Throughout the YearIt's too late for this season, but Crystal encourages starting a Christmas sinking fund in January. A little each month makes December much lighter.Use Gift Cards as Your BudgetIf you shop online, buying prepaid gift cards (or using ones earned through surveys or reward apps) helps you avoid overspending. When the card is empty, the shopping is done.If money is tight this year, you still have wonderful options:Homemade food gifts: cookie dough, loaves of bread, granola, sweet breadsExperience gifts: monthly treats, babysitting, laundry help, home-cooked mealsSentimental gifts: photo books, recipe collections, handwritten lettersThese gifts often mean more than store-bought items because they're personal, thoughtful, and memorable.Make Holiday Cooking EasierFood prep can dominate December, but Crystal suggests planning ahead:Make a list of everything you hope to cookShop ahead of timePrep and freeze items like cookie dough, rolls, sweet breads, or dessertsTake shortcuts when needed—premade dough or bread can be inexpensive and time-savingA few hours of prep can give you more space for the moments that matter.Plan Meaningful Family Time (Without Overfilling Your Calendar)Crystal offers several delightful ideas to create memories without adding stress.1. Make a December Bucket ListEach family member chooses one or two special activities. That's it. This keeps the schedule joyful rather than jam-packed—and ensures you're doing what everyone actually values.2. Wrap and Read Christmas BooksWrap books you already own and open one each day in December. Kids love the anticipation, and it becomes a shared daily moment.3. Celebrate Early as a FamilyBecause they travel to visit extended family, Crystal's family sets aside a full “Christmas Day” together the week before. It allows them to savor time at home without rushing through traditions.Stay Organized and Reduce StressCrystal's top principle: Ask, “How can I make this easier?”A few of her go-to strategies:Write everything down – brain dump into Google Calendar so it's not “living in your head.”Time-block your to-dos – small chunks of planned tasks prevent last-minute chaos.Share the workload – say “yes” when someone offers help. Ask guests to bring a dish. Let kids take part in preparations.Simplifying isn't just about doing less—it's about doing what matters most with more peace.Crystal's brand-new resource includes:15 DIY gift ideasFood gifts, homemade gifts, and simple creative optionsIdeas to simplify and save money this ChristmasYou can download it for free at MoneySavingMom.com.A Final WordCrystal's wisdom reminds us that Christmas doesn't need to be hectic or expensive to be meaningful. With planning, intention, and a focus on Christ, you can give joyfully—not regretfully.And if you're looking for help managing your Christmas budget—or planning for any financial season—the FaithFi App can be a tremendous toolkit. It's designed not just to track your spending, but to help you align every financial decision with biblical wisdom.Download the FaithFi app at FaithFi.com or search FaithFi in your app store.May your Christmas be simple, joyful, and centered on what matters most.On Today's Program, Rob Answers Listener Questions:I recently learned that Illinois has an estate tax threshold of $4 million, and my estate is already above that and growing. What kind of planning should I be doing now to prepare for it?What is the quickest and most affordable way to set up a durable power of attorney for financial, legal, and healthcare decisions?Resources Mentioned:Faithful Steward: FaithFi's Quarterly Magazine (Become a FaithFi Partner)MoneySavingMom.comThe Time-Saving Mom: How to Juggle a Lot, Enjoy Your Life, and Accomplish What Matters Most by Crystal PaineUnwrapping the Greatest Gift: A Family Celebration of Christmas by Ann VoskampWisdom Over Wealth: 12 Lessons from Ecclesiastes on MoneyLook At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA)FaithFi App Remember, you can call in to ask your questions every workday at (800) 525-7000. Faith & Finance is also available on Moody Radio Network and American Family Radio. You can also visit FaithFi.com to connect with our online community and partner with us as we help more people live as faithful stewards of God's resources. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Christmas can be a season of joy—but it can also bring stress, overspending, and a packed calendar. The good news is that with planning and the right perspective, we can slow down and truly savor the season. On the next Faith & Finance Live, Rob West and Crystal Paine talk about how to simplify, stay organized, and keep our focus on what really matters. Then, it's on to calls. That’s Faith and Finance Live—biblical wisdom for your financial decisions. That’s weekdays at 4pm Eastern/3pm Central on Moody Radio. Faith & Finance Live is a listener supported program on Moody Radio. To join our team of supporters, click here.To support the ministry of FaithFi, click here.To learn more about Rob West, click here.To learn more about Faith & Finance Live, click here.See omnystudio.com/listener for privacy information.

Foster care has a way of changing how we see the world. It asks us to step into hard places, stay present, and let God reshape our perspective. For our latest guest, that's meant gaining a richer perspective on biological parents, a deeper appreciation for the beauty and challenges of caring for children with disabilities, and so much more. Crystal Paine and her husband have been foster parents to two precious children—one who was medically fragile and reunified with his biological mom, and one who was born premature with significant disabilities, whom they later adopted. Crystal is passionate about supporting biological parents, advocating for children with disabilities, and living out the Gospel through foster care and adoption. In this episode, Crystal shares about leaning on our faith when we're facing challenges that can be intimidating, how we can be intentional about offering dignity and grace to biological parents, some of the unique aspects of fostering a child with disabilities, and much more. Find resources mentioned and more in the show notes for this episode: https://theforgotteninitiative.org/crystal-paine-279/

Let's be honest, teaching kids about money can feel intimidating.This episode is packed with practical strategies and empowering encouragement.Here's what you'll take away from our conversation:Why budgeting is essential for teensHow emotional language can help kids process money stressOne simple phrase that opens the door to healthier financial habitsHow to model smart financial decisions—even when you make mistakesA free tool that empowers teens to track their money in just one hourYou don't have to be a financial whiz, you just need to be willing to have the conversation.Resources We Mentioned for Money Management for TeensOne Hour Budget for Teens (Use code LIFESKILLS for $19!)10 side hustles for teens freebie15 financial skills for teens freebieGet Crystal's booksThe Time-Saving Mom: Azon, BookshopLove-Centered Parenting: Azon, BookshopMoney-Making Mom: Azon, BookshopSay Goodbye to Survival Mode: AzonThe Money Saving Mom's Budget: Azon, Bookshop21 Days to a More Disciplined Life: AzonShop Perfect Supplements at https://kidscookrealfood.com/perfect! Kitchen Stewardship Kids Cook Real Food follow Katie on Instagram or Facebook Subscribe to the newsletter to get weekly updates YouTube shorts channel for HPH Find the Healthy Parenting Handbook at kidscookrealfood.com/podcast Affiliate links used here. Thanks for supporting the Healthy Parenting Handbook!

Three words that can make any parent’s wallet flinch: “back to school.” But there’s a silver lining—especially if your state has a tax-free weekend. For families gearing up for a new school year, those tax holidays can make a real difference. On the next Faith & Finance Live, Crystal Paine will join Rob West to share smart, practical ways to get prepared and save money along the way. Then, Rob will tackle your financial questions. Listen for the next Faith & Finance Live, where biblical wisdom meets today’s finances, weekdays at 4pm Eastern/3pm Central on Moody Radio. Faith & Finance Live is a listener supported program on Moody Radio. To join our team of supporters, click here.To support the ministry of FaithFi, click here.To learn more about Rob West, click here.To learn more about Faith & Finance Live, click here. See omnystudio.com/listener for privacy information.

Three words that can make any parent's wallet flinch: “Back to school.” But there's a silver lining—especially if your state has a tax-free weekend.For families gearing up for a new school year, those tax holidays can make a real difference. Today, Crystal Paine shares smart, practical ways to get prepared and save money along the way.Crystal Paine is the founder of MoneySavingMom.com and the author of The Money Saving Mom's Budget: Slash Your Spending, Pay Down Your Debt, Streamline Your Life, and Save Thousands a Year. Does Your State Participate?Not every state offers a tax-free weekend, and the rules vary widely from state to state. Crystal recommends checking your state's Department of Revenue or the Federation of Tax Administrators for up-to-date information.Understand what qualifies, as in some states, clothing must be under $100, and online purchases often count—if ordered and paid for within the specified window. Even if you're not shopping for back-to-school items, this can still be a good time to purchase other qualifying necessities.Don't treat the tax-free weekend like a shopping spree. Instead, we suggest that you:Make a list of what your family actually needs.Set a budget—especially if your kids are old enough to be involved (around age 8–10).Know the limits so you don't go over a price cap and lose the exemption.Stack your savings by searching for coupons or shopping through cashback sites like RetailMeNot.Simply search for the site name and ‘coupon code' before making a purchase.What About Online Shopping?A common misconception to keep in mind is that if you order and pay during the holiday window, and the item qualifies, it's usually tax-exempt, even if it ships later. Please ensure it ships to an in-state address.One important caveat to remember is that Amazon may not always participate, and shipping costs may be included in item price caps in some states. Therefore, read the fine print and always check your confirmation receipt to ensure that tax wasn't accidentally charged.Stewardship Over SavingsThe ultimate goal isn't just saving money—it's honoring God. Sometimes we think we're saving when we're really just spending less wastefully. But that's still spending. Ask yourself: Am I buying this because it's a wise investment, or is it just because it's on sale?Make prayerful purchases—asking God for wisdom, guidance, and even provision when looking for specific items. God is faithful to lead us when we invite Him into our financial decisions.Good stewardship is about more than just saving money. It's about aligning our spending with God's purposes. To learn more and find additional resources, visit MoneySavingMom.com.On Today's Program, Rob Answers Listener Questions:I'm 63 and still plan to work for a couple more years. My employer has just started offering a Roth 403(b), and I'm wondering—if I'm at my age, does it make sense to contribute?I'm 46 and considering selling my townhome, but I'm unsure if now is the right time. If I do sell, what's the best way to invest the equity?I took out a home improvement loan in my name to help a friend. Could I qualify for debt forgiveness on that loan?I recently started investing in goldbacks and noticed more states are adopting them. What are your thoughts, and do you think it's a good time to invest in them?Resources Mentioned:Faithful Steward: FaithFi's New Quarterly Magazine (Become a FaithFi Partner)The Money Saving Mom's Budget: Slash Your Spending, Pay Down Your Debt, Streamline Your Life, and Save Thousands a Year by Crystal PaineMoneySavingMom.comWisdom Over Wealth: 12 Lessons from Ecclesiastes on MoneyLook At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA) or Certified Christian Financial Counselor (CertCFC)FaithFi App Remember, you can call in to ask your questions most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio Network and American Family Radio. Visit our website at FaithFi.com where you can join the FaithFi Community and give as we expand our outreach.

Three words that can make any parent’s wallet flinch: “back to school.” But there’s a silver lining—especially if your state has a tax-free weekend. For families gearing up for a new school year, those tax holidays can make a real difference. On the next Faith & Finance Live, Crystal Paine will join Rob West to share smart, practical ways to get prepared and save money along the way. Then, Rob will tackle your financial questions. Listen for the next Faith & Finance Live, where biblical wisdom meets today’s finances, weekdays at 4pm Eastern/3pm Central on Moody Radio. Faith & Finance Live is a listener supported program on Moody Radio. To join our team of supporters, click here.To support the ministry of FaithFi, click here.To learn more about Rob West, click here.To learn more about Faith & Finance Live, click here. See omnystudio.com/listener for privacy information.

Your dollars are valuable, and so is your time! Join the conversation between Megan and guest Crystal Paine to hear advice on strategizing budget-friendly activities for the summer, finding a balance between saving money and honoring your time, and learning about tools for saving money while shopping. To dig into more of what Crystal has to share about saving money and simplifying life, find her online at moneysavingmom.com or on Instagram (@themoneysavingmom)! 

Summer's not that far off, and the kids are already thinking “vacation.” Will you be ready for it?How can you make great family memories without breaking the budget? That's always the challenge, but Crystal Paine joins us today with some great tips for a budget-friendly family vacation.Crystal Paine is the founder of MoneySavingMom.com and the author of The Money Saving Mom's Budget: Slash Your Spending, Pay Down Your Debt, Streamline Your Life, and Save Thousands a Year. How to Take a Great Family Vacation Without Breaking the BankPlanning a family vacation is one of life's great joys—and, if you're not careful, one of its greatest budget busters. Here are some practical and encouraging tips on how to plan a memorable getaway without coming home to credit card regret.1. Start with a Plan—and Start EarlyPlan ahead. Start early to maximize your options. That includes scouting for affordable destinations—especially those a little off the beaten path—and using tools like Google Flights to find the best travel deals.Google Flights lets you enter your preferred dates and search anywhere for the lowest fares. It's a great way to discover places you might not have thought of but can afford. Also, set a clear trip budget early on and decide as a family what matters most. Maybe it's staying near the beach, and you're willing to save by eating in.2. Look for Free ActivitiesYou'd be surprised how many free attractions are out there. Just type your destination and “free things to do” into a search engine. From parks and hiking trails to museums and community festivals, many cities offer hidden gems that cost nothing but create lasting memories.3. Get the Whole Family InvolvedVacations are more meaningful when everyone has a say. Let your kids have a voice in the planning process. Even if they're not picking the destination, they can help select activities. Better yet, give each family member a mini-budget to plan a portion of the trip.This allows kids to learn about budgeting, decision-making, and the real cost of things, making the trip more personal and fun.4. Be Strategic About MealsEating out can quickly blow your vacation budget. Instead, be intentional. That's why it's recommended to stay at a hotel with a complimentary breakfast and bring snacks or simple meals from home.Another good idea is to stop by a grocery store after you arrive. You can grab basics like peanut butter, bread, fruit, and chips. It's way cheaper than dining out every meal.Save the splurge for one nice dinner, and make it count—this way, you can enjoy a special moment without feeling guilty about the cost.5. Set a Daily Spending LimitOne final way to stay on track financially is to set a daily limit for discretionary spending and make it a family challenge. How far can we stretch our budget today while still having fun?This not only helps you stay on target, but it also models financial wisdom and creativity for your kids, transforming money management into a team effort.Remember that the best vacation is the one you come home from without credit card debt. With some planning, creativity, and teamwork, your next family getaway can be affordable and unforgettable.Want more money-saving tips from Crystal? Visit MoneySavingMom.com.On Today's Program, Rob Answers Listener Questions:I just set up a new bank account, and they recommended using a debit card to pay bills. But I've always used my credit card and think it's more secure. What's your advice on using a debit versus a credit card for monthly bills?I have a 401(k) and want to invest more deeply in stocks. I know the stock market is dropping, but I remember when it fell much more. I'm confident about our economy and in God. I'd like to invest about 30% in stocks, but I'm wondering if I'm getting in too soon, or should I wait for the market to go lower?I have a question about annuities. We talked to someone about an annuity that's locked into some kind of care, like long-term care insurance. We're in our early 60s, and I'm wondering if it's too late and if this is a good idea.I have a money market account into which my wife's paycheck goes, and we pay our mortgage. Is this a safe place for our emergency fund, or is there a better option?Resources Mentioned:Faithful Steward: FaithFi's New Quarterly MagazineMoneySavingMom.comGoogle FlightsBankrate.comWisdom Over Wealth: 12 Lessons from Ecclesiastes on Money (Pre-Order)Look At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA) or Certified Christian Financial Counselor (CertCFC)FaithFi App Remember, you can call in to ask your questions most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio Network and American Family Radio. Visit our website at FaithFi.com where you can join the FaithFi Community and give as we expand our outreach.

How can you make great family memories without breaking the budget? That’s always the challenge and since summer’s not that far off, the kids are already thinking “vacation.” So, what can you do to be ready? On today's Faith & Finance Live, Crystal Paine will join Rob West to share some great tips for a budget-friendly family vacation. Then Rob will answer your questions on different financial topics. Faith & Finance Live is a listener supported program on Moody Radio. To join our team of supporters, click here.To support the ministry of FaithFi, click here.To learn more about Rob West, click here.To learn more about Faith & Finance Live, click here.See omnystudio.com/listener for privacy information.

Welcome to the Drive Thru Mom's Podcast!  It takes a lot of strategy and purpose to raise a family in today's economy.  Stewarding your funds while caring and raising a family is a God-sized task.  But learning to ‘lean in and love' your kids, as my guest Crystal Paine, AKA ‘The Money Saving Mom' puts it, is more important to her husband, as they parent their six children. Crystal is the author of multiple books, Time-Saving Mom, Love-Centered Parenting, 21 Days to a More Disciplined Life, Say Goodbye to Survival Mode, the Choose Love Journal, Choose Gratitude Journal, and Money-Making Mom and can be found at www.moneysavingmom.com What a treat she is!  I can't wait for you to listen! ENJOY friends and HAPPY WEDNESDAY! CONNECT WITH US: Email: lynn@drivethrumoms.com Website: https://www.drivethrumoms.com Book: Faithful Before, Faithful Again: Finding God Faithful in An Anxious World  https://a.co/d/ernpYJS Instagram: https://www.instagram.com/drivethrumoms Linktree: https://linktr.ee/drivethrumoms?utm_source=linktree_profile_share Subscribe: Drive Thru Moms Podcast Review: https://podcasts.apple.com/us/podcast/drive-thru-moms/id1528282382#see-all/reviews  CONNECT WITH MY GUEST Website: https://www.themoneysavingmom.com Email: moneysavingmom@gmail.com Book: Love Centered ParentingInstagram: https://www.instagram.com/themoneysavingmom

What happens when a simple money-saving idea transforms into a thriving online platform? Meet Crystal, the Money Saving Mom, who joins us to share her incredible journey from a tiny basement apartment to launching a successful financial career. Crystal's story is not just about financial triumphs but about embracing failures and staying true to one's unique calling. Through her experiences, she inspires listeners to pursue their passions and engage in conversations that matter.Balancing work, family, and relationships can be a daunting task, especially with six children, including an adopted son with disabilities. In a heartfelt segment, we confront the emotional subject of friendship breakups, sharing personal stories that highlight the healing power of vulnerability and personal growth.The episode also takes a deeper look at budgeting, moving beyond traditional safe topics to a broader approach to financial stewardship. Listeners are encouraged to overcome money fears and misconceptions, discovering budgeting as an empowering tool for all income levels. Join us for a celebration of ordinary people achieving extraordinary things, and stay tuned for more inspiring guests.

What can you learn from ordinary people doing extraordinary things? Find out as we celebrate both the Christmas season and the conclusion of Season 6 of Ordinary People Extraordinary Things. As we prepare to ring in 2025, we're thrilled to announce the exciting lineup of guests that will kick off Season 7 on January 5th, featuring thought-provoking stories and valuable insights. Get ready to be inspired by Brad Nelson from Walking the Text, whose teachings have made a profound impact on my faith journey. Plus, meet Havva from England, our first international guest, who will share her powerful transformation from Islam to Christianity, alongside her talents as an acclaimed singer and author. Her journey is one of resilience and faith that you won't want to miss.Start the new year with motivation from Crystal Paine, also known as the Money Saving Mom. As a mother of six with a booming business, Crystal will guide us through budgeting strategies, managing friendships, and turning aspirations into reality. Her story promises to energize any listener looking to tackle their New Year's resolutions with renewed vigor. Thank you for being part of our journey as we explore the incredible stories of those who remind us that every story is a testament to something greater. Join us as we embark on another year of exploring the extraordinary in the ordinary.https://generationstogenerations.com/podcastordinarypeoplestories@gmail.com https://www.facebook.com/ordinarypeoplestory https://www.instagram.com/ordinarypeopleextraordinary/ X: @storiesextra Any advice should be confirmed with a qualified professional.All rights reserved: Ordinary People Extraordinary ThingsStories shared by guests may not always be shared views of OPET. Being a guest does not mean OPET approves of every decision or action in the guests' life. We all have a story, all of us, share your story. You don't have to have the perfect answer or the perfect life - share what Jesus is doing in your life. This is an easy, real way to witness & share your testimony.

Christmas is six weeks away, and some folks may already be feeling the stress.The holidays should be a time of spiritual reflection and reconnection with family and friends…but too often, we lose sight of that in the quest for perfection. Crystal Paine is here to help us stay focused on the actual “reason for the season.”Crystal Paine is the founder of MoneySavingMom.com and the author of The Time-Saving Mom: How to Juggle a Lot, Enjoy Your Life, and Accomplish What Matters Most.1. Start with a Christmas BudgetOne of the best ways to enjoy a stress-free holiday is by setting up a Christmas budget. A budget is like a set of guardrails—it keeps you on track, preventing you from overspending or going into debt. Here's a simple way to create one:Determine Your Total Spending Limit: Decide how much you can comfortably spend this season.List Your Recipients: Write down everyone you're buying for and assign a spending amount for each.Track Your Spending: Use a spreadsheet or the FaithFi app to keep a running total of your spending.By creating a budget, you'll know exactly what you have left to spend without sacrificing your financial well-being for the New Year.2. Plan Your Holiday ShoppingIf you tend to overspend during holiday sales, using cash-only or prepaid gift cards is a great way to ensure you stick to your budget. Here are some extra tips:Shop with Gift Cards: Consider using Amazon or store-specific gift cards to control spending.Use Deal Sites: Websites like MoneySavingMom.com and RetailMeNot.com offer deals and coupons.Best Shopping Times: Black Friday week and the following two weeks are generally the best time to find the deals you're looking for.With some planning, you can keep your shopping affordable and enjoyable.3. Keep Holiday Cooking ManageableHoliday cooking can be a joy, but it can also become a significant source of stress. It's advised that you embrace shortcuts where possible:Use Pre-Made Ingredients: Don't feel guilty about using store-bought cookie dough or other pre-made items. Sometimes, it's just as affordable as homemade.One Baking Night: Consider dedicating one evening to bake as a family. Let each person choose one recipe and enjoy the process together without the burden of constant baking all month.These small changes can bring balance to your holiday kitchen, making it a time of joy rather than stress.4. Share the Hosting ResponsibilitiesIf you're hosting family or friends, don't be afraid to ask guests to contribute. Include a note in your invitation encouraging each family to bring a dish. Not only does this lighten your load, but it also makes the event more collaborative and enjoyable for everyone.5. Make a Family “December Bucket List”To bring your family closer during the holiday season, consider creating a “December Bucket List.” Here's an example: Each Family Member Chooses an Activity: Whether it's a movie night, baking cookies, or a trip to see Christmas lights, everyone gets a say.Add It to the Calendar: Schedule these events to create special memories without feeling overwhelmed.This approach ensures everyone has a voice and the season feels special without overloading your calendar.6. Keep Christ the Center of ChristmasAbove all, remember the reason for the season. Using an Advent calendar or devotional is an excellent way to keep the focus on Christ for you and your family. Unwrapping the Greatest Gift: A Family Celebration of Christmas by Ann Voskamp is a fantastic advent devotional if you're looking for a resource for your family to go through this Christmas season. Each day includes a devotional and an ornament symbolizing the story of Christ.This daily ritual not only reminds everyone why we celebrate but also keeps the true spirit of Christmas in the heart of your home.As we approach Christmas, let's aim to make it a season of joy and reflection rather than stress. With a budget, some planning, and a focus on Christ, we can enjoy a holiday that brings peace, love, and lasting memories.On Today's Program, Rob Answers Listener Questions:My son and daughter-in-law have adopted four Ukrainian children who are now teenagers and looking for college scholarships. I remember someone previously calling your program and mentioning a resource for finding scholarships that have yet to be widely applied, but I didn't write down the details. Do you have any recommendations for where we can find those types of lesser-known scholarship opportunities?I was told about a Morgan Stanley mutual fund investment that supposedly pays $12,000 per year. It sounds too good to be true. What is your opinion on this, and are there any similar low-risk investments you would recommend?I applied for Social Security benefits after my divorce, but the process has been frustrating. The Social Security office didn't provide all the information I needed up front, and now I'm facing delays getting the required marriage certificate from New York. I would like to know if I can use an old pay stub with my Social Security information to resolve this before they remove me from the system. What do you suggest I do?I'm faithfully paying off a credit card debt of around $8,000 that I took on after the death of my mother. I'm currently paying $320 per month. My wife is willing to help me pay this off once she finishes paying off her own credit card. Should I stay the course with the $320 monthly payments or look into rolling over the debt and opening a new credit card with a balance transfer option?Resources Mentioned:MoneySavingMom.comUnwrapping the Greatest Gift: A Family Celebration of Christmas by Ann VoskampFastWeb.com | Peterson's Scholarship Search | Scholarships.comChristian Credit CounselorsLook At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA) or Certified Christian Financial Counselor (CertCFC)FaithFi App Remember, you can call in to ask your questions most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio Network and American Family Radio. Visit our website at FaithFi.com where you can join the FaithFi Community and give as we expand our outreach.

The holidays should be a time of spiritual reflection and reconnection with family and friends. But too often, we lose sight of that focus in the quest for perfection. On today's Faith & Finance Live, Rob West will welcome Crystal Paine to help us find ways to stay focused on the “reason for the season.” Then Rob will answer your calls and financial questions. Faith & Finance Live is a listener supported program on Moody Radio. To join our team of supporters, click here. To support the ministry of FaithFi, click here. To learn more about Rob West, click here. To learn more about Faith & Finance Live, click here.See omnystudio.com/listener for privacy information.

This week, I'm with the wonderful Crystal Paine, otherwise known as Money-Saving Mom. Crystal and I started our online careers at similar times. We both pioneered what it looked like to be a mom and an entrepreneur and do it all surrounded by kids.  Crystal has grown a brilliant company and is the epitome of a smart girl. Full disclosure, she is one of my business coaching clients - and I say that makes her even smarter. I'm thrilled for you to hear all the behind-the-scenes information of Crystal's business. Crystal Paine is the founder of MoneySavingMom.com, host of The Crystal Paine Show podcast, and New York Times bestselling author of Say Goodbye to Survival Mode, and Money-Making Mom. In her latest book, The Time-Saving Mom: How to Juggle a Lot, Enjoy Your Life, and Accomplish What Matters Most, Crystal offers practical steps, simplified systems, and time-saving hacks to help you wrap your time and energy around what matters most in your life — even when you feel pulled in a thousand different directions.   Join Crystal and I as we talk about: Crystal's background and journey Making mistakes as you grow your business and learn from your failures The importance of getting help and knowing when to say no Ways to protect yourself from comparison What is working best in 2024 - Social media insights you don't want to miss! Favorite quotes:  6:50 - “There were a lot of failures, trials, errors, mistakes, and missteps along the way, but I look back and really feel like that was what set me up for success because I learned so much through making a lot of mistakes and doing things wrong.” 18:47 - “If I could go back and do it again, I would've gotten help way earlier, and I also wouldn't have said yes to so many things.” 25:17 -  “In my own home, stepping away from the internet multiple times a day and having Sunday where I am offline has been so good for my soul.” 31:42 - “So doing a few things very strategically to just increase your engagement really makes a difference overall in what posts are being seen.” 36:35—”Go into building a business recognizing that there is going to be a lot of work on the front end and be willing to put in the work. I think a lot of people don't succeed because they quit too soon.”    Coaching this week (44:00 audio) My Best Strategy for Overcoming Procrastination  This week, I'm sharing a tip called negative visualization. It's imagining what could happen if we don't do something, letting us see the cost of inaction and makes us more likely to take that first step in work, health, or friendships. Pick one thing you've been putting off and start this today.   Recommendations (51:36 audio) My fun recommendation this week is a little charger that goes on your keychain to charge your Apple watch. If you have the same problem I do, your Apple watch dies all the time. You can use it to charge your watch during the day so it's charged when you need it.   Links to great things we discussed:  Crystal Paine Website Crystal Paine Instagram The Crystal Paine Show Promise Dreamy Mango Serum The West Wing Lost Portable Keychain Charger for Apple Watch  Secret Superpower Quiz Create a Course Alli on YouTube Remaining You While Raising Them Little Things Studio Little Things Studio is a woman-owned small business bringing daily reminders of beauty and truth to your home and life. These thoughtfully-designed products are made in the USA and focus on the rich words of hymns and the beauty of nature.    Hope you loved this episode!  Be sure to subscribe in iTunes and slap some stars on a review! :)   xo, Alli https://alliworthington.com/unlock-business-growth-secrets-with-crystal-paine/

Well, it's hard to believe, but soon, the kids will be heading back to school. Are you ready to start the new school year on the right foot? Could you use a few tips? Well, you're in for a treat. Crystal Paine joins us today with some great advice to make your back-to-school experience easier.Crystal Paine is the founder of MoneySavingMom.com and the author of The Time-Saving Mom: How to Juggle a Lot, Enjoy Your Life, and Accomplish What Matters Most.Budgeting for Back-to-School EssentialsAs the new school year approaches, parents are reminded of the inevitable expenses, from clothes to school supplies and electronics. It's crucial to start with the essentials. Determine what is necessary and set a budget. For families with older children, involve them in the process by giving them a budget for their back-to-school needs. This teaches financial responsibility and helps them prioritize their wants and needs.Also, it's worth looking into whether your school offers package deals on back-to-school products. These can often be cost-effective and save time compared to buying items individually. For the best deals on school supplies, clothes, and even laptops, it is highly recommended that you follow MoneySavingMom.com and sign up for their hot deals email list.Making the Most of Tax-Free WeekendsTax-free weekends can be an excellent opportunity to save on back-to-school purchases. Check if your state offers tax-free weekends, what items are covered, and the specific dates. Planning allows you to maximize savings, especially on more significant purchases like electronics or even groceries if they are included.Shopping with Kids: A Learning OpportunityTaking kids shopping for back-to-school items can be a valuable learning experience. If your children are new to budget shopping, it might be better to leave them at home initially. However, parents should prioritize teaching their kids how to stick to a budget over the coming months. Give them opportunities to earn and spend money wisely, learning from the process.Establishing a School RoutineRe-establishing a good routine before school starts is crucial. Start a few weeks before school begins. Practice waking up at the required time and go through the morning routine. Involve the entire family in this process by discussing and planning it together. A successful morning routine often begins the night before. Preparing as much as possible the night before—laying out clothes, packing lunches, and planning breakfast—sets up the next day for success.Maintaining Spiritual Balance During Hectic TimesThe back-to-school season can be hectic, but maintaining spiritual balance is essential. Start your day with prayer, entrusting God with your worries and tasks. Pray for your kids, spouse, and the details of your day. Incorporate God's Word into your daily routine—listen to the Bible on audio while getting ready, play worship music in the car, or read a devotional with your kids at breakfast. Demonstrating reliance on God and releasing stress to Him is a powerful example for children.Preparing for the school year doesn't have to be overwhelming or financially draining. With careful planning, budgeting, and a focus on spiritual balance, parents can navigate this busy season with confidence and grace.On Today's Program, Rob Answers Listener Questions:I have two kids who are in college right now. My grandfather set up a 529 for each of them some years ago, and he passed away in 2010. I had another daughter who was born in 2010. Can that money be applied to my younger daughter with the money left over in one of my two older kids' 529 plans after graduating college?I haven't done any IRAs in about 20 years. I was told I could catch up. Is that true?Do I need to be concerned about my CDs at the bank and what the bank is investing my money in?My husband and I have always tithed because we believe everything we have is God's. But we struggle with where we're at in church and some of their financial decisions. So, tithing has been problematic when we disagree with what they're investing money in. Are we wrong? Is the church wrong?Resources Mentioned:MoneySavingMom.comChristian Community Credit UnionRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA) or Certified Christian Financial Counselor (CertCFC)FaithFi App Remember, you can call in to ask your questions most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio Network and American Family Radio. Visit our website at FaithFi.com where you can join the FaithFi Community and give as we expand our outreach.

Well, it’s hard to believe, but soon the kids will be heading back to school. So, are you ready to get the new school year started on the right foot? On today's Faith & Finance Live, host Rob West will talk with Crystal Paine who’ll share some great advice to make your back-to-school experience easier. Then Rob will answer your questions on various financial topics. See omnystudio.com/listener for privacy information.

Summer . . . I love you, but you're chaotic and expensive.  Kids . . . I love you, but you're chaotic and expensive.  Vacation . . . I love you, but you're chaotic and expensive.    Feel free to join in on my mindless chants of summer.    I'm super excited about today's show and talking about ways to save a little money. To be clear, I'm not talking about it from the 401K and investment perspective for the long-haul, but literally what can I do TODAY to get the budget back on the rails.    Crystal Paine is with us, and she has some GREAT advice today. She's built an entire brand called The Money Saving Mom and has the best tricks and tips for making ends meet. Her suggestions are so great that I wanted to give you a few of her points as a sneak-peak:   Your income is not your biggest issue; it's your mindset Your grocery budget is the best place to start saving money   There's a lot more coming your way for saving money and changing our perspective, and it's so so practical and necessary.    Take a minute to listen today, and please please share the show with a friend. Heck, get crazy and even take a minute and leave a review. I'll be forever grateful.  

The 4-Step Process For How Busy Moms (Or Stay-At-Home Dads) Can Get Control Of Their TimePrayStarting our day in a posture of prayer and reliance on the Lord instead of trying to white-knuckle our way through life in our strength changes how we approach life. We feel a lot less stressed and more at peace, and it helps us focus our energy on those things that truly matter in Eternity. This can look like quick flare prayers we shoot up throughout the day when we feel overwhelmed, aren't sure how to approach something, or just feel extra tired or weary.PrioritizeIn the book, Crystal outlines what she calls the 6x2 Priority System. She has six Priority Areas around which she wraps her time and life, but she only picks two to focus on per day and then rotates the ones she focuses on. So, instead of trying to do all the things every day, she just intentionally spends time on two areas. For instance, that might look like an at-home date with your spouse (Marriage Priority Area) and coffee with a friend (Friendships Priority Area). The next day, it might be spending extra time decluttering and catching up on tasks at home (Home Priority area) and having a game night with the kids (Kids Priority area).PlanCrystal suggests writing down everything you need to do or remember (even tiny things) in a Google calendar as an all-day task and assigning it to a day by which it needs to be done. Then, every night before bed, write out a handwritten Time-Blocked To-Do List with everything mapped out for the next day. It's like a budget but for your time. PrepA successful day begins the night before. One way to make your day run much more smoothly is to take 30 minutes before going to bed to pick up the house quickly, figure out what to do for breakfast, make lunches, get bags and backpacks ready and set out by the door and lay out everyone's clothes for the morning. The difference this makes in our mornings and the rest of the day is incredible.On Today's Program, Rob Answers Listener Questions:I've been unemployed since February of this year and have been applying to numerous positions with various companies. All I've gotten is one in-person interview and a few phone interviews, but beyond that, there is nothing else. I want to find out what mistakes I'm making in this stage of the job search as I'm worried about my employability. I'm a retired military serviceman who currently has TRICARE and doesn't qualify for an HSA because of the type of insurance I have. Am I correct in that?I'm confused about tithing. I received an inheritance about 10 years ago, and before I deposited it into my account, I tithed the full amount. After that, I put the money in an annuity to give me an income stream when I retired. My question is, do I tithe on the income I receive, or has that already been tithed on?Resources Mentioned:The Time-Saving Mom: How to Juggle a Lot, Enjoy Your Life, and Accomplish What Matters Most by Crystal PaineMoneySavingMom.comCareer DirectNail Your Next Job Interview: Faith & Finance EpisodeRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA)FaithFi App Remember, you can call in to ask your questions most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio Network and American Family Radio. Visit our website at FaithFi.com where you can join the FaithFi Community and give as we expand our outreach.

We don’t often think of time management as one of God’s financial and spiritual principles, but we definitely should. And certainly, busy moms know how critical it is to keep these things in balance. On today's Faith & Finance Live, host Rob West will welcome Crystal Paine to share some tips on time management for achieving spiritual balance. Then Rob will answer your questions on different financial topics. See omnystudio.com/listener for privacy information.

To fight the lies found in every comparison trap, we need to uncover 2️⃣ truths: who we are in God and the reality of every person we're comparing ourselves to. Join Crystal and I as we root out our identity in Christ, uncover how to (practically) find worth in God alone, and recognize and embrace our unique gifts and talents to live in the fulfillment that can only come from our God-given purpose. In the end, let's trade this lie for the truth: I am a sinner saved by grace, who falls short, yes... yet even still, now in Christ, I am complete. Let's connect!

In this best of 2023 broadcast, Crystal Paine shares her four-step system that can help moms feel less frazzled and have more room to breathe in your everyday life. She says that moms should pray for their day, prioritize their goals, plan out their time, and prep for new routines.   Receive the book The Time Saving Mom and the audio download of the broadcast "Making Time for What Matters Most" for your donation of any amount! Right now, you can DOUBLE YOUR DOLLARS to GIVE FAMILIES HOPE through our YEAR-END MATCH provided by generous friends of the ministry.   Get More Episode Resources   We'd love to hear from you! Visit our Homepage to leave us a voicemail.   If you've listened to any of our podcasts, please give us your feedback.

“Allow yourself to be so filled up with the truth of God's Word, that there's not space for the lies to take up residence.” New York Times bestselling author and podcast host, Crystal Paine, shares about her motherhood journey and transformation from parenting for approval to love-centered parenting. Listen in as Crystal gives practical wisdom, fills our minds with truth and reminds us to anxiously anticipate God's faithfulness each day. The Moms in Prayer Podcast is a part of the Christian Parenting Podcast Network. To find practical and spiritual advice to help you grow into the parent you want to be visit ChristianParenting.org   ABOUT OUR GUEST Crystal Paine is the founder of MoneySavingMom.com, host of The Crystal Paine Show podcast, and a New York Times bestselling author. Her desire is to help women across the globe live with more joy, purpose, and intention in their everyday lives. She lives with her husband and six kids in the Nashville, Tennessee, area, where she is actively involved in her local church. Her biggest passions are helping women understand how the gospel can radically transform their lives, raising awareness for foster care, going on adventures with her family (locally, domestically, and internationally), finding great deals at the grocery store, having heartfelt conversations, and trying to read too many books at one time!   SCRIPTURES  Therefore, preparing your minds for action, and being sober-minded, set your hope fully on the grace that will be brought to you at the revelation of Jesus Christ. 1 Peter 1:13 ESV I can do all things through Christ who strengthens me. Philippians 4:13 NKJV So when Jesus had received the sour wine, He said, “It is finished!” And bowing His head, He gave up His spirit. John 19:30 NKJV I pray that the eyes of your heart may be enlightened in order that you may know the hope to which he has called you, the riches of his glorious inheritance in his holy people, and his incomparably great power for us who believe. That power is the same as the mighty strength he exerted when he raised Christ from the dead and seated him at his right hand in the heavenly realms, far above all rule and authority, power and dominion, and every name that is invoked, not only in the present age but also in the one to come. And God placed all things under his feet and appointed him to be head over everything for the church, which is his body, the fullness of him who fills everything in every way. Ephesians 1:18-23 NIV Let us hold unswervingly to the hope we profess, for he who promised is faithful. Hebrews 10:23 NIV   LINKS Crystal Paine's Website BOOKS Love-Centered Parenting: The No-Fail Guide to Launching Your Kids The Time-Saving Mom Money-Making Mom Say Goodbye to Survival Mode ebook Gratitude Journal for Kids   MOMS IN PRAYER New to Moms in Prayer? How to get started Share MIP Support Our Mission

Join us on this empowering episode of the 1000 Hours Outside Podcast with the incredible Crystal Paine, founder of Money Saving Mom, host of The Crystal Paine Show, and NYT bestselling author. Crystal shares her wisdom on how to juggle the demands of life, find joy in every moment, and focus on what truly matters. In a world where time is fleeting, Crystal's insights on prioritizing and embracing the power of prayer provide a refreshing perspective. Discover the 6x2 priority system, learn to let go of perfectionism, and find inspiration in making life simpler. Crystal's personal journey, from overcoming anxiety to thriving through daily challenges, will inspire you to view stress as a warning flag and find the good in every day. Don't miss this episode packed with practical tips and heartfelt wisdom to help you not just survive but truly thrive in the midst of life's chaos. *** Learn more about Crystal here >> www.MoneySavingMom.Com Order your copy of The Time Saving Mom here >> https://amzn.to/40MHBLd Find Crystal's printables here >> www.crystalpaine.com/tsm Find Crystal on social media here >> @themoneysavingmom Learn more about your ad choices. Visit megaphone.fm/adchoices

Do you ever feel pulled in a million directions, like there's just not enough time for everything you want to do?Your to-do list is always getting longer, but (as much as you try), you can't get more time each day.Maybe it even feels like society's message of “hustle harder” is the only way you'll ever get anything done!But what if there was a better way?In this episode, Jordan talks with blogger and author Crystal Paine about how to maximize your time without being a productivity guru.Tune in to this episode and learn:Why hustling harder and being a productivity queen isn't the answer to motherhoodA four-step system to organize and simplify your lifeWays to prioritize prayer during your busy dayHow to budget your time so you can be fully presentExample routines to help you better prioritize your dayWant to dig deeper? Check out these links mentioned in the episode:moneysavingmom.comCrystal's IG: @themoneysavingmomCrystal's book: The Time Saving MomMoney Saving Mom freebiesUse THIS LINK for $10 off your first Crunchi order

Need time management just for moms? Crystal Paine of The Time-Saving Mom explains an easy-to-implement four-step system to organize and simplify your life. Show Notes and Resources Connect with Crystal Paine at crystalpaine.com and moneysavingmom.com Also listen to other episodes with Crystal. And grab Crystal's book, The Time Saving Mom in our shop. Intrigued by today's episode? Think deeper about time management in Jen Pollock Michel's episodes with FamilyLife Today. Find resources from this podcast at shop.familylife.com. See resources from our past podcasts. Find more content and resources on the FamilyLife's app! Help others find FamilyLife. Leave a review on Apple Podcast or Spotify. Check out all the FamilyLife podcasts on the FamilyLife Podcast Network

Too much to do, not enough time to do it? You don't just have to hustle harder. You can simplify and (yes) enjoy your life. Crystal Paine—mom of six, bestselling author of The Money-Saving Mom, and entrepreneur—delivers real-world, no-nonsense time management advice for moms from her latest book, The Time-Saving Mom. Her ideas will keep you sane and enjoying the things you love most. Show Notes and Resources Connect with Crystal Paine at crystalpaine.com and moneysavingmom.com Also listen to other episodes with Crystal. And grab Crystal's book, The Time Saving Mom in our shop. Intrigued by today's episode? Think deeper about time management in Jen Pollock Michel's episodes with FamilyLife Today. Find resources from this podcast at shop.familylife.com. See resources from our past podcasts. Find more content and resources on the FamilyLife's app! Help others find FamilyLife. Leave a review on Apple Podcast or Spotify. Check out all the FamilyLife podcasts on the FamilyLife Podcast Network

Crystal Paine is wife to Jesse, mom of six, the founder of MoneySavingMom.com, host of The Crystal Paine Show podcast, New York Times bestselling author of Say Goodbye to Survival Mode, and author of Love-Centered Parenting. Today we get to chatting about her newest book, "The Time-Saving Mom". Her desire is to help women across the globe live with more joy, purpose, and intention in their everyday lives. She lives with her husband and kids in the Nashville, Tennessee area, where she is actively involved in her local church. Her biggest passions are helping women understand how the Gospel can radically transform their lives, raising awareness for foster care, going on adventures with her family (locally, domestically, and internationally), finding great deals at the grocery store, heartfelt conversations, and trying to read too many books at one time! Follow Bob: @bobgoff Follow Kim: @kimberly.stuart.writes Follow Crystal: @themoneysavingmom Purchase her latest book, "The Time Saving Mom": MoneySavingMom.com

Crystal Paine shares her four-step system that can help moms feel less frazzled and have more room to breathe in your everyday life. She says that moms should pray for their day, prioritize their goals, plan out their time, and prep for new routines.Receive the book "The Time Saving Mom" and the audio download of the broadcast "Making Time for What Matters Most" for your donation of any amount!Get More Episode ResourcesIf you've listened to any of our podcasts, please give us your feedback.