Krista Naldjian

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

Money Mindful Moms is the podcast for any woman who’s ever thought, “I should have figured this out by now.”I’m Krista — a busy mom working to pay off over six figures of debt while raising a family and I’ve learned (sometimes the hard way) how to build savings, stick to a budget, and feel confident with money. And I want to take as many moms with me as I can. Because one of my core beliefs is that moms with money skills will change the world. Go ahead and write it on my tombstone :)If you’ve ever felt ashamed of your debt, avoided checking your bank account, drained your savings for unexpecte...

Author

Krista Naldjian

Category

Education

Podcast website

moneymindfulmoms.com

Latest episode

Jul 7, 2026

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Episodes

If you've been meaning to get your money together 09.01.2026

* This podcast is NOT financial advice. It's simply for educational purposes.*  NEW from Money Mindful Moms:  The Momentum Circle The Momentum Circle is the guided membership inside Money Mindful Moms for moms who want steady progress with their money, not pressure to “fix everything.” Each month includes a clear focus, simple roadmap, and weekly support so you always know what to work on and what...

171. 2026: The Year Your Bank Account Becomes Unrecognizable (In the Best Possible Way) 06.01.2026

* This podcast is NOT financial advice. It's simply for educational purposes.* Money goals on the brain in 2026?   You might be tempted to want to overhaul your entire finances at once but instead I want to give you some shifts to focus on this year.  And don't worry, you'll still make progress towards your goals.  We're just trying to avoid burn out over here.   NEW from Money Mindful Moms:  The...

170. My End-Of-The-Year Date With Myself Tradition. Behind the Scenes of How I Strategize my Goals and Business Plans for the New Year 30.12.2025

* This podcast is NOT financial advice. It's simply for educational purposes.* If you're not setting aside time for yourself at the end of the year to reflect and plan for the New Year, I highly recommend it.   This can look different for each person and situation but in this episode I share what I do every year and why I do it.  I hope it helps you with your own end-of-the-year goal setting! In t...

169. The Only Money Rule I'm Following Between Christmsa and New Year's 23.12.2025

* This podcast is NOT financial advice. It's simply for educational purposes.* Merry Christmas! I know you're probably ankle deep in wrapping paper, ribbon and bows but I hope this podcast episode is just the message you need to hear in this season.  Before you jump into mapping out your entire financial plan for the New Year, listen to this episode where I share the money rule I give myself for t...

168. If I were you: Mom Money Strategies for 2026 Part 3- Full Time Working Moms 16.12.2025

* This podcast is NOT financial advice. It's simply for educational purposes.* Hi friend!  2026 is around the corner and I know a lot of people have money on the mind so we're not waiting until January to start thinking about this.   I'm rolling out a NEW 3 part series called "If I Were You: Mom Money Strategies For 2026 and each week I'll be sharing what I would focus on if I were a stay-at-home...

167. If I were you: Mom Money Strategies for 2026 Part 2- Side Hustling/Part Time Working Moms 09.12.2025

* This podcast is NOT financial advice. It's simply for educational purposes.* Hi friend!  2026 is around the corner and I know a lot of people have money on the mind so we're not waiting until January to start thinking about this.   I'm rolling out a NEW 3 part series called "If I Were You: Mom Money Strategies For 2026 and each week I'll be sharing what I would focus on if I were a stay-at-home...

166. If I Were You: Mom Money Strategies For 2026 Part 1- Stay-At-Home Moms 02.12.2025

* This podcast is NOT financial advice. It's simply for educational purposes.* Hi friend!  2026 is around the corner and I know a lot of people have money on the mind so we're not waiting until January to start thinking about this.   I'm rolling out a NEW 3 part series called "If I Were You: Mom Money Strategies For 2026 and each week I'll be sharing what I would focus on if I were a stay-at-home...

165. Slowing down to speed up. A message on gratitude. 25.11.2025

* This podcast is NOT financial advice. It's simply for educational purposes.* A short and sweet episode on how I'm spending my favorite holiday.   Wishing you all a very happy Thanksgiving! xo,  Krista----more---- More resources: Connect: moneymindfulmoms@gmail.com Instagram & Tik Tok: @moneymindfulmoms My FREE Ditching Debt Once and for all Workshop

164. When your kids are getting bigger and so are their expenses. How to adjust when life gets more expensive as your kids get older 18.11.2025

* This podcast is NOT financial advice. It's simply for educational purposes.* - After school activities - Social activities - Tech Gadgets - Extra food for growing kids ... it feels like the expenses just keep rising as kids get bigger.  So what can you do if you find yourself in a new season with your kids and their expenses?  Adjust your budget!  In this episode I give you 3 steps to take to re...

163. Stretching your paycheck without losing your sanity 11.11.2025

* This podcast is NOT financial advice. It's simply for educational purposes.* Have you ever felt like your paycheck disappears almost as fast as it gets deposited? Follow up question: Have you ever done some digging to see WHY that's happening?   In today's episode we're going to talk about some of the common reasons why your paycheck could be disappearing so fast and how to address it.   Let's m...

162. Ditching debt over the holidays. How to spend with intention when the world is telling you to spend like crazy 04.11.2025

Hi friends! We're officially in Mariah Carey season and you're probably already seeing the work the marketing departments at retail companies have been putting in all year to get you to spend your money over the next 6 weeks.   If you want to do things differently and simplify, we're covering everything from mindset to practical tips to help you stick to a tight budget this time of year.   And if...

An $11 request 28.10.2025

If you'd like to participate in this year's #Kellen11 I'd love to invite you to: 1. Donate $11 to a cause that means a lot to you (if it's a platform that you use hashtags the hashtag we always use is #Kellen11) 2. Send me a message to let me know where you donated. Connect: moneymindfulmoms@gmail.com Instagram & Tik Tok: @moneymindfulmoms

161. LIVE WORKSHOP: How to decide what sinking funds your family needs, AND how to make sure you can actually fund them 21.10.2025

*** This Podcast is NOT financial advice.  It is simply for educational purposes*** Hi friends! Do you ever feel like things that don't quite fit into the emergency category but also aren't really monthly expenses are derailing your progress each month? hello car registration, back-to-school, annual registration fees, etc.  Sinking funds can help!  Sinking funds are accounts where you put a small...

160. A "Sunday reset" for your money 14.10.2025

*** This Podcast is NOT financial advice.  It is simply for educational purposes*** Hi friends! One of the big pieces to the puzzle of making a budget that will work for the long haul is making it part of your routine.   That's why once a week I sit down and do a "Sunday reset" for my money and in this episode I break down how I do it so you can start incorporating this into your own budgeting and...

159. New jobs, job losses and big transitions. Adjusting your finances through change 07.10.2025

*** This Podcast is NOT financial advice.  It is simply for educational purposes*** Hi friends! I recently started a part time job and because of this change, we're changing up our budget a little bit.  If you're in a similar season of transitions, it might be time to revisit your plan or goals.  Or maybe you're going through a job loss or something similar that feels like it's not within your con...

158. Are "emergency expenses" popping up every month and derailing your progress? One tool that can help 30.09.2025

*** This Podcast is NOT financial advice.  It is simply for educational purposes*** Can you relate to this? You're moving along with the budget you created and then boom... back to school hits you with a bunch of extra expenses.   So you get your bearings and get back on track and then, boom.... your kid's birthday comes and it takes you off track again.   In our minds we think of these as emergen...

157. Monetizing your gifts. Should you start a business or side hustle RIGHT NOW to make extra money? 23.09.2025

*** This Podcast is NOT financial advice.  It is simply for educational purposes*** Hi friends! Today's episode was inspired by a Tik Tok I saw (I wish I had saved it) where the creator was sharing her disappointment after starting a business and not making any money.   As someone who has started several businesses and side hustles, I feel like this is an important conversation to have before you...

156. Trying to budget but always falling off track? One simple thing you can do to get yourself back on track before the Holidays 16.09.2025

*** This Podcast is NOT financial advice.  It is simply for educational purposes*** Hi friends! Is it safe to say not everyone is the biggest fan or budgeting?   Whether you love it, or loathe it, we've all gotten off track from time to time.  With the holidays approaching, I thought it was a good time to have a heart to heart on being proactive with our budget knowing what's ahead the next few mo...

155. What's the status on our debt payoff? An update on how much debt we have left and why it's taking so long. 09.09.2025

*** This Podcast is NOT financial advice.  It is simply for educational purposes*** Hi friends! This whole thing started because I wanted to pay off our own debt so.... what's the status on that?  In today's very unscripted episode (you'll know what I mean when you listen,) I'm sharing an update on our debt payoff, and what bumps in the road have made it take a little longer than we planned.  PLUS...

154. 3 Habits that are keeping you stuck in a cycle of overspending and what to do to break free from spending money you don't have 02.09.2025

*** This Podcast is NOT financial advice.  It is simply for educational purposes*** Happy Tuesday! This week we're talking about overspending because let's face it, you can make more money but if you're just going to go spend it all you're not going to get any closer to your goals.   We're covering: - 3 mindsets/habits that are keeping you stuck - Tips for how to break those mindsets/habits And do...

153. Here's what I'd do if I needed to bring in an extra $1,000 a month consistently 26.08.2025

*** This Podcast is NOT financial advice.  It is simply for educational purposes*** Hey friends!   I see it on my Tik Tok FYP, I read it in emails, I hear it in your voice message DMs... making more money is a priority for a lot of people right now.  And not just a few extra bucks.  Some of you need to bring in a significant amount of extra money each month.  But what is worth your time and energy...

152. Saving money when you're already stretched thin? An honest conversation about money goals in 2025 19.08.2025

*** This Podcast is NOT financial advice.  It is simply for educational purposes*** Hey friends!  Where do I even start?  How about grocery prices?  Maybe the job market?   Honestly it doesn't even matter where I start, the point is a lot of people are feeling the pinch right now and maybe you're one of them.   So how can we possibly save money when we're already maxed out?   In today's episode I'...

151. Debt snowball vs. Debt avalanche- A debt payoff breakdown for beginners AND which plan I'm personally following 12.08.2025

*** This Podcast is NOT financial advice.  It is simply for educational purposes*** Hey friends!  This week we're talking about paying off debt.  Here's what we cover: - The debt snowball method details PLUS who I think this plan is best suited for - The debt avalanche method details PLUS who I think this plan is best suited for - A third, less popular option, but one I think you might want to tak...

150. Feeling behind with money? Here's how to reset without the overwhelm 05.08.2025

*** This Podcast is NOT financial advice.  It is simply for educational purposes*** Hey friends!  It’s so great to be back after a short break for the summer!   The podcast is back with a little refresh!  Do you like the new cover art? Plus, you’ll find I’m honing in a little bit more on money for moms who feel like it’s too late for them to turn their finances around.   And that’s what we’re talk...

149. Summer Rewind Series Part 5- The #1 Reason why you make good money but have nothing to show for it (and how to change that) 29.07.2025

Happy July! I'm taking a podcast break this month so I can soak up our last few weeks of summer. But I can't leave you hanging if you need some inspo for your money goals this month so I'm bringing back the Summer Rewind Series! Each episode in July will be a replay of one of our most popular episodes from this last year.  Today's episode was originally episode #122 where we talked about why you m...

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