The New Money Habits Podcast

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: 🧠 Why the term “emergency fund” can increase anxiety🕊️ How reframing savings as a Peace of Mind Fund changes behavior⚡ How money scripts and past experiences influence how we save📊 How much to save to get started (using the 25% guideline)🔧 Practical ways to begin building your Peace of Mind Fund without stress You’ll also hear why saving isn’t about sacrifice — it’s about building security — and how small, intentional steps can help you respond to life’s unexpected moments with calm instead of panic. 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 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 discuss why New Year’s resolutions often fail and how to set SMART goals that lead to lasting change. They explore the importance of moving beyond surface-level goal setting and aligning personal, financial, and relational goals with purpose and spiritual values. Nino and Maria share practical insights on intentional living, building meaningful relationships, and navigating the challenges of parenting with clarity and intention. The conversation also breaks down proven strategies for building better habits, including habit stacking, to support sustainable personal growth and long-term success. This episode is ideal for anyone looking to create purpose-driven goals, develop healthier habits, and start the new year with clarity and direction. 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.     New Year’s resolutions, SMART goals, goal setting, building better habits, habit stacking, personal growth, intentional living, spiritual goal setting, financial habits, relationship growth, parenting with intention, self-improvement New Money Habits Podcast, New Year goals, SMART goals, habit stacking, building habits, personal growth, intentional living, spiritual growth, financial habits, relationships, parenting, self improvement, goal setting strategies

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.   🚨 Looking for tools and resources to help you crush your money goals? 👉 Join the New Money Habits Community for free 👉 Become a member starting at $5/mo 👉 Start your 7-Day Free Trial today! 📌 Helpful Resources Mentioned in the Episode: Watch on YouTube here  Download the Payday Power Planner: Streamline your budgeting process with our FREE planner: https://www.newmoneyhabits.com/budgeteers/helpful-tools  Download the FREE Holiday Spending and Gift Giving Planner HERE Submit Your Questions: Have questions for the host? Email them to podcast@newmoneyhabits.com Join Our Community: Connect with like-minded individuals in our FREE Facebook Group: www.facebook.com/groups/newmoneyhabits. Download the Food Number Calculator: Streamline your budgeting process with our FREE planner: https://www.newmoneyhabits.com/budgeteers/helpful-tools Schedule a Call: Book a FREE call with Coach Nino to discuss your financial goals: www.newmoneyhabits.com/budgeteers/contact. Enroll in Our Online Course: Take your first step towards financial freedom with our course, "How to Create a Better Budget: Your Foundation to Financial Freedom": www.newmoneyhabits.com/bootcamp. 🎵 Music Credits: This episode features music by Summer School. ✅ Connect with Us: Follow @newmoneyhabits on social media for more valuable insights and updates. #NewMoneyHabits #FinancialGrowth #MoneyMindset #PersonalDevelopment #Accountability #FinancialSuccess #HonestReflection #GrowthMindset #FinancialFreedom #SelfAwareness

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.   🚨 Looking for tools and resources to help you crush your money goals? 👉 Download the FREE Holiday Spending Planner  👉 Join the New Money Habits Community for free 👉 Become a member starting at $5/mo 👉 Start your 7-Day Free Trial today! 📌 Helpful Resources Mentioned in the Episode: Join us on Patreon Watch on YouTube here  Download the Payday Power Planner: Streamline your budgeting process with our FREE planner: https://www.newmoneyhabits.com/budgeteers/helpful-tools  Download the FREE Holiday Spending and Gift Giving Planner HERE Submit Your Questions: Have questions for the host? Email them to podcast@newmoneyhabits.com Join Our Community: Connect with like-minded individuals in our FREE Facebook Group: www.facebook.com/groups/newmoneyhabits. Download the Food Number Calculator: Streamline your budgeting process with our FREE planner: https://www.newmoneyhabits.com/budgeteers/helpful-tools Schedule a Call: Book a FREE call with Coach Nino to discuss your financial goals: www.newmoneyhabits.com/budgeteers/contact. Enroll in Our Online Course: Take your first step towards financial freedom with our course, "How to Create a Better Budget: Your Foundation to Financial Freedom": www.newmoneyhabits.com/bootcamp. 🎵 Music Credits: This episode features music by Summer School. ✅ Connect with Us: Follow @newmoneyhabits on social media for more valuable insights and updates. #NewMoneyHabits #FinancialGrowth #MoneyMindset #PersonalDevelopment #Accountability #FinancialSuccess #HonestReflection #GrowthMindset #FinancialFreedom #SelfAwareness

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. 🚨 Looking for tools and resources to help you crush your money goals? 👉 Download the FREE Holiday Spending Planner  👉 Join the New Money Habits Community for free 👉 Become a member starting at $5/mo 👉 Start your 7-Day Free Trial today! 📌 Helpful Resources Mentioned in the Episode: Join us on Patreon Watch on YouTube here  Download the Payday Power Planner: Streamline your budgeting process with our FREE planner: https://www.newmoneyhabits.com/budgeteers/helpful-tools  Download the FREE Holiday Spending and Gift Giving Planner HERE Submit Your Questions: Have questions for the host? Email them to podcast@newmoneyhabits.com Join Our Community: Connect with like-minded individuals in our FREE Facebook Group: www.facebook.com/groups/newmoneyhabits. Download the Food Number Calculator: Streamline your budgeting process with our FREE planner: https://www.newmoneyhabits.com/budgeteers/helpful-tools Schedule a Call: Book a FREE call with Coach Nino to discuss your financial goals: www.newmoneyhabits.com/budgeteers/contact. Enroll in Our Online Course: Take your first step towards financial freedom with our course, "How to Create a Better Budget: Your Foundation to Financial Freedom": www.newmoneyhabits.com/bootcamp. 🎵 Music Credits: This episode features music by Summer School. ✅ Connect with Us: Follow @newmoneyhabits on social media for more valuable insights and updates. #NewMoneyHabits #FinancialGrowth #MoneyMindset #PersonalDevelopment #Accountability #FinancialSuccess #HonestReflection #GrowthMindset #FinancialFreedom #SelfAwareness

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. 🚨 Looking for tools and resources to help you crush your money goals? 👉 Download the FREE Holiday Spending Planner  👉 Join the New Money Habits Community for free 👉 Become a member starting at $5/mo 👉 Start your 7-Day Free Trial today! 📌 Helpful Resources Mentioned in the Episode: Join us on Patreon Watch on YouTube here  Download the Payday Power Planner: Streamline your budgeting process with our FREE planner: https://www.newmoneyhabits.com/budgeteers/helpful-tools  Download the FREE Holiday Spending and Gift Giving Planner HERE Submit Your Questions: Have questions for the host? Email them to podcast@newmoneyhabits.com Join Our Community: Connect with like-minded individuals in our FREE Facebook Group: www.facebook.com/groups/newmoneyhabits. Download the Food Number Calculator: Streamline your budgeting process with our FREE planner: https://www.newmoneyhabits.com/budgeteers/helpful-tools Schedule a Call: Book a FREE call with Coach Nino to discuss your financial goals: www.newmoneyhabits.com/budgeteers/contact. Enroll in Our Online Course: Take your first step towards financial freedom with our course, "How to Create a Better Budget: Your Foundation to Financial Freedom": www.newmoneyhabits.com/bootcamp. 🎵 Music Credits: This episode features music by Summer School. ✅ Connect with Us: Follow @newmoneyhabits on social media for more valuable insights and updates. #NewMoneyHabits #FinancialGrowth #MoneyMindset #PersonalDevelopment #Accountability #FinancialSuccess #HonestReflection #GrowthMindset #FinancialFreedom #SelfAwareness

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. 🚨 Looking for tools and resources to help you crush your money goals? 👉 Download the FREE Holiday Spending Planner  👉 Join the New Money Habits Community for free 👉 Become a member starting at $5/mo 👉 Start your 7-Day Free Trial today! 📌 Helpful Resources Mentioned in the Episode: Join us on Patreon Watch on YouTube here  Download the Payday Power Planner: Streamline your budgeting process with our FREE planner: https://www.newmoneyhabits.com/budgeteers/helpful-tools  Download the FREE Holiday Spending and Gift Giving Planner HERE Submit Your Questions: Have questions for the host? Email them to podcast@newmoneyhabits.com Join Our Community: Connect with like-minded individuals in our FREE Facebook Group: www.facebook.com/groups/newmoneyhabits. Download the Food Number Calculator: Streamline your budgeting process with our FREE planner: https://www.newmoneyhabits.com/budgeteers/helpful-tools Schedule a Call: Book a FREE call with Coach Nino to discuss your financial goals: www.newmoneyhabits.com/budgeteers/contact. Enroll in Our Online Course: Take your first step towards financial freedom with our course, "How to Create a Better Budget: Your Foundation to Financial Freedom": www.newmoneyhabits.com/bootcamp. 🎵 Music Credits: This episode features music by Summer School. ✅ Connect with Us: Follow @newmoneyhabits on social media for more valuable insights and updates. #NewMoneyHabits #FinancialGrowth #MoneyMindset #PersonalDevelopment #Accountability #FinancialSuccess #HonestReflection #GrowthMindset #FinancialFreedom #SelfAwareness

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.  🚨 Looking for tools and resources to help you crush your money goals? 👉 Download the FREE Holiday Spending Planner  👉 Join the New Money Habits Community for free 👉 Become a member starting at $5/mo 👉 Start your 7-Day Free Trial today! 📌 Helpful Resources Mentioned in the Episode: Join us on Patreon Watch on YouTube here  Download the Payday Power Planner: Streamline your budgeting process with our FREE planner: https://www.newmoneyhabits.com/budgeteers/helpful-tools  Download the FREE Holiday Spending and Gift Giving Planner HERE Submit Your Questions: Have questions for the host? Email them to podcast@newmoneyhabits.com Join Our Community: Connect with like-minded individuals in our FREE Facebook Group: www.facebook.com/groups/newmoneyhabits. Download the Food Number Calculator: Streamline your budgeting process with our FREE planner: https://www.newmoneyhabits.com/budgeteers/helpful-tools Schedule a Call: Book a FREE call with Coach Nino to discuss your financial goals: www.newmoneyhabits.com/budgeteers/contact. Enroll in Our Online Course: Take your first step towards financial freedom with our course, "How to Create a Better Budget: Your Foundation to Financial Freedom": www.newmoneyhabits.com/bootcamp. 🎵 Music Credits: This episode features music by Summer School. ✅ Connect with Us: Follow @newmoneyhabits on social media for more valuable insights and updates. #NewMoneyHabits #FinancialGrowth #MoneyMindset #PersonalDevelopment #Accountability #FinancialSuccess #HonestReflection #GrowthMindset #FinancialFreedom #SelfAwareness

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. 🚨 Looking for tools and resources to help you crush your money goals? 👉 Download the FREE Holiday Spending Planner  👉 Join the New Money Habits Community for free 👉 Become a member starting at $5/mo 👉 Start your 7-Day Free Trial today! 📌 Helpful Resources Mentioned in the Episode: Join us on Patreon Watch on YouTube here  Download the Payday Power Planner: Streamline your budgeting process with our FREE planner: https://www.newmoneyhabits.com/budgeteers/helpful-tools  Download the FREE Holiday Spending and Gift Giving Planner HERE Submit Your Questions: Have questions for the host? Email them to podcast@newmoneyhabits.com Join Our Community: Connect with like-minded individuals in our FREE Facebook Group: www.facebook.com/groups/newmoneyhabits. Download the Food Number Calculator: Streamline your budgeting process with our FREE planner: https://www.newmoneyhabits.com/budgeteers/helpful-tools Schedule a Call: Book a FREE call with Coach Nino to discuss your financial goals: www.newmoneyhabits.com/budgeteers/contact. Enroll in Our Online Course: Take your first step towards financial freedom with our course, "How to Create a Better Budget: Your Foundation to Financial Freedom": www.newmoneyhabits.com/bootcamp. 🎵 Music Credits: This episode features music by Summer School. ✅ Connect with Us: Follow @newmoneyhabits on social media for more valuable insights and updates. #NewMoneyHabits #FinancialGrowth #MoneyMindset #PersonalDevelopment #Accountability #FinancialSuccess #HonestReflection #GrowthMindset #FinancialFreedom #SelfAwareness

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. 🚨 Looking for tools and resources to help you crush your money goals? 👉 Download the FREE Holiday Spending Planner  👉 Join the New Money Habits Community for free 👉 Become a member starting at $5/mo 👉 Start your 7-Day Free Trial today! 📌 Helpful Resources Mentioned in the Episode: Join us on Patreon Watch on YouTube here  Download the Payday Power Planner: Streamline your budgeting process with our FREE planner: https://www.newmoneyhabits.com/budgeteers/helpful-tools  Download the FREE Holiday Spending and Gift Giving Planner HERE Submit Your Questions: Have questions for the host? Email them to podcast@newmoneyhabits.com Join Our Community: Connect with like-minded individuals in our FREE Facebook Group: www.facebook.com/groups/newmoneyhabits. Download the Food Number Calculator: Streamline your budgeting process with our FREE planner: https://www.newmoneyhabits.com/budgeteers/helpful-tools Schedule a Call: Book a FREE call with Coach Nino to discuss your financial goals: www.newmoneyhabits.com/budgeteers/contact. Enroll in Our Online Course: Take your first step towards financial freedom with our course, "How to Create a Better Budget: Your Foundation to Financial Freedom": www.newmoneyhabits.com/bootcamp. 🎵 Music Credits: This episode features music by Summer School. ✅ Connect with Us: Follow @newmoneyhabits on social media for more valuable insights and updates. #NewMoneyHabits #FinancialGrowth #MoneyMindset #PersonalDevelopment #Accountability #FinancialSuccess #HonestReflection #GrowthMindset #FinancialFreedom #SelfAwareness

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. 🚨 Looking for tools and resources to help you crush your money goals? 👉 Download the FREE Holiday Spending Planner  👉 Join the New Money Habits Community for free 👉 Become a member starting at $5/mo 👉 Start your 7-Day Free Trial today! 📌 Helpful Resources Mentioned in the Episode: Join us on Patreon Watch on YouTube here  Download the Payday Power Planner: Streamline your budgeting process with our FREE planner: https://www.newmoneyhabits.com/budgeteers/helpful-tools  Download the FREE Holiday Spending and Gift Giving Planner HERE Submit Your Questions: Have questions for the host? Email them to podcast@newmoneyhabits.com Join Our Community: Connect with like-minded individuals in our FREE Facebook Group: www.facebook.com/groups/newmoneyhabits. Download the Food Number Calculator: Streamline your budgeting process with our FREE planner: https://www.newmoneyhabits.com/budgeteers/helpful-tools Schedule a Call: Book a FREE call with Coach Nino to discuss your financial goals: www.newmoneyhabits.com/budgeteers/contact. Enroll in Our Online Course: Take your first step towards financial freedom with our course, "How to Create a Better Budget: Your Foundation to Financial Freedom": www.newmoneyhabits.com/bootcamp. 🎵 Music Credits: This episode features music by Summer School. ✅ Connect with Us: Follow @newmoneyhabits on social media for more valuable insights and updates. #NewMoneyHabits #FinancialGrowth #MoneyMindset #PersonalDevelopment #Accountability #FinancialSuccess #HonestReflection #GrowthMindset #FinancialFreedom #SelfAwareness

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. 🚨 Looking for tools and resources to help you crush your money goals? 👉 Download the FREE Holiday Spending Planner  👉 Join the New Money Habits Community for free 👉 Become a member starting at $5/mo 👉 Start your 7-Day Free Trial today! 📌 Helpful Resources Mentioned in the Episode: Join us on Patreon Watch on YouTube here  Download the Payday Power Planner: Streamline your budgeting process with our FREE planner: https://www.newmoneyhabits.com/budgeteers/helpful-tools  Download the FREE Holiday Spending and Gift Giving Planner HERE Submit Your Questions: Have questions for the host? Email them to podcast@newmoneyhabits.com Join Our Community: Connect with like-minded individuals in our FREE Facebook Group: www.facebook.com/groups/newmoneyhabits. Download the Food Number Calculator: Streamline your budgeting process with our FREE planner: https://www.newmoneyhabits.com/budgeteers/helpful-tools Schedule a Call: Book a FREE call with Coach Nino to discuss your financial goals: www.newmoneyhabits.com/budgeteers/contact. Enroll in Our Online Course: Take your first step towards financial freedom with our course, "How to Create a Better Budget: Your Foundation to Financial Freedom": www.newmoneyhabits.com/bootcamp. 🎵 Music Credits: This episode features music by Summer School. ✅ Connect with Us: Follow @newmoneyhabits on social media for more valuable insights and updates. #NewMoneyHabits #FinancialGrowth #MoneyMindset #PersonalDevelopment #Accountability #FinancialSuccess #HonestReflection #GrowthMindset #FinancialFreedom #SelfAwareness

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. 👉 If you’re ready to go deeper and start rewriting your money story, become a member of the New Money Habits Community for as little as $5/month. Gain access to premium tools like the Payday Power Planner Plus, and at higher tiers, connect with coaches and events that help you break free from unhealthy patterns. 🚨 Looking for tools and resources to help you crush your money goals? 👉 Join the New Money Habits Community for free 👉 Become a member starting at $5/mo 👉 Start your 7-Day Free Trial today!   📌 Helpful Resources Mentioned in the Episode: Join us on Patreon Watch on YouTube here  Download the Payday Power Planner: Streamline your budgeting process with our FREE planner: https://www.newmoneyhabits.com/budgeteers/helpful-tools  Download the FREE Holiday Spending and Gift Giving Planner HERE Submit Your Questions: Have questions for the host? Email them to podcast@newmoneyhabits.com Join Our Community: Connect with like-minded individuals in our FREE Facebook Group: www.facebook.com/groups/newmoneyhabits. Download the Food Number Calculator: Streamline your budgeting process with our FREE planner: https://www.newmoneyhabits.com/budgeteers/helpful-tools Schedule a Call: Book a FREE call with Coach Nino to discuss your financial goals: www.newmoneyhabits.com/budgeteers/contact. Enroll in Our Online Course: Take your first step towards financial freedom with our course, "How to Create a Better Budget: Your Foundation to Financial Freedom": www.newmoneyhabits.com/bootcamp. 🎵 Music Credits: This episode features music by Summer School. ✅ Connect with Us: Follow @newmoneyhabits on social media for more valuable insights and updates.

Ready to take control of your Christmas spending? 🎄💰 In this episode of The New Money Habits Podcast, Coach Nino Villa emphasizes the importance of planning for the holidays—now is the time to start!  In this episode, you’ll discover: A structured six-step process to create your holiday budget Tips for intentional spending that eliminates emotional pressures around gift-giving How planning ahead can lead to a debt-free Christmas focused on meaningful connections Tools and resources for effective budgeting, including the Payday Power Planner Plus Join Nino as he guides you on the path to a stress-free holiday season, ensuring your financial well-being while celebrating with loved ones. #ChristmasInJuly #HolidayBudgeting #DebtFreeChristmas  🚨 Looking for tools and resources to help you crush your money goals? 👉 Download the FREE Holiday Spending Planner  👉 Join the New Money Habits Community for free 👉 Become a member starting at $5/mo 👉 Start your 7-Day Free Trial today!   📌 Helpful Resources Mentioned in the Episode: Join us on Patreon Watch on YouTube here  Download the Payday Power Planner: Streamline your budgeting process with our FREE planner: https://www.newmoneyhabits.com/budgeteers/helpful-tools  Download the FREE Holiday Spending and Gift Giving Planner HERE Submit Your Questions: Have questions for the host? Email them to podcast@newmoneyhabits.com Join Our Community: Connect with like-minded individuals in our FREE Facebook Group: www.facebook.com/groups/newmoneyhabits. Download the Food Number Calculator: Streamline your budgeting process with our FREE planner: https://www.newmoneyhabits.com/budgeteers/helpful-tools Schedule a Call: Book a FREE call with Coach Nino to discuss your financial goals: www.newmoneyhabits.com/budgeteers/contact. Enroll in Our Online Course: Take your first step towards financial freedom with our course, "How to Create a Better Budget: Your Foundation to Financial Freedom": www.newmoneyhabits.com/bootcamp. 🎵 Music Credits: This episode features music by Summer School. ✅ Connect with Us: Follow @newmoneyhabits on social media for more valuable insights and updates.