MONEY MINDFUL MOMS - Money mindset for moms, Budgeting for beginners, Mom life on a budget, Money making ideas for moms

Feel behind with money? You're in the right place.

Money Mindful Moms is the podcast for moms in their 40s who feel behind financially and are ready to change that.

I'm Krista! A wife, mom of three, and someone currently paying off six figures of debt. I'm not sharing advice from the finish line. I'm in the middle of the journey right alongside you.

Every week, we'll talk about budgeting, paying off debt, saving money, increasing your income, and changing the habits and mindset that keep so many of us feeling stuck. You'll get practical strategies you can actually use, honest conversations, and plenty of encouragement without the guilt or perfectionism.

Whether you're trying to pay off debt, build your savings, stop overspending, or finally feel confident with your money, you're welcome here.

New here?

Grab the free Money Mindful Moms Start Here Guide for the 21 podcast episodes I recommend if you're new to the show or ready for a financial reset.

Grab the Money Mindful Moms Start HERE Guide

Connect: moneymindfulmoms@gmail.com

Facebook: facebook.com/moneymindfulmoms

Instagram: @moneymindfulmoms

Tik Tok: @moneymindfulmoms

Join the Money Mindful Moms Club! To join, simply request to follow @moneymindfulmomsclub on Instagram.  Each month we have a different theme we're working on and I share inspiration and motivation to help you on your financial journey

I'm glad you're here! 

xo, 

<3 Krista

Episodes

Jun 23, 2025

9 min

It's time to start thinking about back-to-school!  Ok maybe not the actual back-to-school part of it, but at least the upcoming expenses part of it.   
In today's episode I'm sharing from personal experience some of the expenses that took me by surprise in past years.  
Not the crayons and pencils, but the things you don't think about until you get an email home from the school that take you by surprise.
So put these on your list, come up with a reasonable budget for the back-to-school season and start saving for it!
Ok... go ahead and go back to your summer programming... :)

Jun 17, 2025

15 min

Do you ever have those weeks where you think "there's no way I'm going to be able to make an extra debt payment.  There's nothing to cut."  Because same....
I posted a Tik Tok a little while back sharing some out-of-the-box things you can try this week to still be able to make a debt payment and it seemed to hit with a lot of people so I thought I would go into a little more depth here on the podcast.  
Money might be tight, but hopefully you can squeeze a few extra bucks out of your budget this week using some of these tips!

Jun 9, 2025

13 min

Are your kids already eating so many snacks or is it just mine?  Summer expenses can add up but with a little bit of planning and intention it doesn't have to be.  
I have 5 things I'm skipping this year to make sure my summer spending aligns with the goals that I have so in today's episode I thought I'd share them with you.  
And don't forget, it's not too late to join the Summer Savings Challenge!  We're unsubscribing to the idea that summer has to be an expensive season and choosing to spend the next 4 weeks making memories AND saving $ too!  
Join the Summer Savings Challenge
Have a great week!
xo,
<3 Krista

Jun 3, 2025

11 min

You know that scene from The Notebook where Noah asks Allie "What do you want?" and she says "It's not that simple!" Relatable because I change my mind all the time.  
In today's episode we're chatting about a shift I've seen recently with clients and online with what moms say they want when it comes to financial goals.  And spoiler, I'm kind of liking the change.  
Consider this your invite to send me a DM to discuss!  I'd love to hear your thoughts!
And don't forget, it's not too late to join the Summer Savings Challenge!  We're unsubscribing to the idea that summer has to be an expensive season and choosing to spend the next 4 weeks making memories AND saving $ too!  
Join the Summer Savings Challenge
Have a great week!
xo,
<3 Krista

May 27, 2025

11 min

Summer doesn't have to be a throw away season for your money goals! 
There IS a way you can feel proud of your savings progress AND still make Instagramable memories with your kiddos this summer!
In this episode I break down the S.A.V.E. framework we'll be using in the 4-week Summer Savings Challenge happening in the Money Mindful Moms Club this June. 
And this episode is your invitation to join us!  Because challenges are more fun with friends who are going the same direction as us and can help keep us accountable.  
You in?  Click HERE now to join the pay-what-you-want club and get ready to kick off the challenge with us on Monday, June 2nd!
Excited to save with you this summer!
<3 Krista

May 20, 2025

12 min

Are you on the verge of paying off one of your debts and wondering... what do I do next to make sure I stay debt free? 
Today's episode is for you!
We covered:
- What you should change about your plan (if anything) after paying off debt
- Mindset shifts that can help you create a new default pattern when your old default was debt. 
In case you need a pep talk, today's episode will deliver!
xo, 
<3 Krista

May 13, 2025

15 min

Signs this episode might be for you:
Stuck in a debt cycle?
Just getting started paying off debt? 
Want to start saving money but you're having a hard time changing your spending habits?
Just unhappy with your progress towards your money goals?
If any of those sound like you, this episode could help!  I'm sharing 4 things that I would do differently if I were starting all over again so hopefully you can avoid the same mistakes.  
In this episode we cover:
- money mindset challenges
- practical steps
- areas of focus
- lots more! 
I hope this helps save you time, headaches, and money! 
Love and belief!
xo, 
<3 Krista

May 6, 2025

10 min

Off track when it comes to your goals?  Not even sure where you're at?  Feeling discouraged?
Sometimes you just need to hit the reset button, right?
In today's episode I'm showing you how to do just that.  In this episode we cover
-3 steps you can take (let's slow down so we can speed up)
-Some reflection questions to figure out what's going well and what's not
-What information you need to have to move forward. 
Don't stay stuck when you don't have to.  
Believing in you!
xo, 
<3 Krista

Apr 29, 2025

28 min

Welcome to a new series, The Savvy Mom Series. 
Each week I'll be bringing you some expert guests who can help answer your questions about a variety of topics around money and motherhood.  These women have a lot to offer in terms of support and advice, and I know our conversations will help support you on your journey to becoming the best version of yourself. 
On today's episode, we're talking specifically to moms with a 9-5.
Francheska Stone is a podcast strategist, Podfest 2026 speaker, proud mama of a 2 1/2 year old daughter, and the founder of 9 to 5 Mom with a Pod - a space for moms who are working 9-to-5, raising little ones, and still trying to carve out time for their creative passions—whether it’s podcasting, content creation, a side hustle, or just finding themselves again. 
I know many of you who work a 9-5 have passions outside of your work that you'd like to explore (and possibly turn into a business) but it can feel overwhelming and you may be wondering:
- When would I find the time?
- How can I keep myself from burning out?
- What is it actually like in the beginning phases of starting a business? 
We talked about all of it! There is a way you can get your passion up an running alongside your current 9-5 while also being the Mom you want to be.  
To learn more from Francheska:
www.9to5momwithapod.comhttps://www.instagram.com/9to5momwithapod/
I really hope you've enjoyed this series! 
Officially labeling you a Savvy Mom!  
xo, 
<3 Krista

Apr 22, 2025

21 min

Welcome to a new series, The Savvy Mom Series. 
Each week I'll be bringing you some expert guests who can help answer your questions about a variety of topics around money and motherhood.  These women have a lot to offer in terms of support and advice, and I know our conversations will help support you on your journey to becoming the best version of yourself. 
On today's episode, we're talking all about remote work.  
The remote work scene is changing rapidly and it's more important than ever to know how to set yourself apart when you're looking for a job. 
That's why I wanted to sit down with Michelle Puccinelli from Virtual Work Studio.  Michelle is a former high school history teacher turned remote worker.  She started in entry-level positions and worked her way into digital marketing and operations management.
Finally, she found her sweet spot managing remote teams. Over the last few years, she has hired and led hundreds of virtual workers. Now she runs Virtual Work Studio, an internship program that trains women who are looking to break into remote positions.
In this episode we talked about:
-Red flags when hiring, and green flags when hiring
-What's the current temperature of the remote work market and how can you set yourself apart?
- What are "soft skills" and why do they matter in the workplace?
If this sounds like a conversation you need to hear, you're in the right place. 
To connect with Michelle: 
www.virtualworkstudio.cominstagram.com/michellepuccinelliinstagram.com/virtualworkstudio
FREEBIES:Free 7 Day Trial: virtualworkstudio.com/trialSoft Skill Quiz: https://virtualworkstudio.com/skill/
Getting savvier by the minute.  Proud of you!
xo, 
<3 Krista

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