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
Podcast website
Latest episode
Jul 7, 2026
Where to listen?
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Episodes
"I wish I would have started this in my 20s... it feels too late for me." 25.07.2025 2:35
Well hey strangers! I hope you're enjoying your summer and the Summer Rewind Series we've been in here on the podcast. I'm slowly getting back into the swing of things after a glorious summer of chill vibes and family time. But I wanted to take a minute to address some comments I've seen recently that simply could not pass up the opportunity to speak on. "It's too late for me." "I'm in my 40s....
148. Summer Rewind Series Part 4- You need a side hustle in 2025. How to pick an additional income stream when you have no idea where to start 22.07.2025 7:22
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 #130 where I made the case for why y...
147. Summer Rewind Series Part 3- Are you waiting to focus on your money goals? A quick pep talk on timing. 15.07.2025 15:04
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 #123 where I gave a pep talk on wait...
146. Summer Rewind Series Part 2- "How do I get my spouse on board with the budget?" A round up of my most frequently asked questions 08.07.2025 17:26
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 #112 where I answered some of my mos...
145. Summer Rewind Series Part 1- Ask yourself these 3 questions to get clarity on HOW to increase your income 01.07.2025 18:04
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 #104 where we talked about questions...
144. Don't forget about these 4 often overlooked back-to-school expenses 23.06.2025 9:59
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 su...
143. What you can do this week to make a debt payment, even when money is tight 17.06.2025 15:19
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 podc...
142. 5 things I'm skipping to trim my summer budget 09.06.2025 13:31
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 Challeng...
141. What do you actually want? Let’s chat about one shift I’ve seen in the last year from moms with money goals. 03.06.2025 11:11
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 se...
140. Ready to S.A.V.E. this summer? Join the Summer Savings Challenge! 27.05.2025 11:07
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 u...
139. So you paid off a credit card... now what? Mindset shifts to help you create a new normal and a debt-free lifestyle 20.05.2025 12:05
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, &l...
138. Learn from my mistakes! 4 things I would do differently if I were starting over paying off debt 13.05.2025 15:56
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 y...
137. The Money Check-In You should do every month when you need to hit the reset button on your goals 06.05.2025 10:26
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 t...
136. Savvy Mom Series Part 5- Adding an income stream while working a 9-5 with Francheska from 9 to 5 Mom with a Pod 29.04.2025 28:10
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 spe...
135. The Savvy Mom Series Part 4- Remote work 101. How to stand out with companies hiring for remote positions with Michelle from Virtual Work Studio 22.04.2025 21:15
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...
134. The Savvy Mom Series Part 3- Breaking down the steps to starting a small business (that doesn't take over your whole life) with Lizzie from Ambitious Mom 15.04.2025 1:00:45
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. Today you're getting an inside look a...
133. The Savvy Mom Series Part 2- When knowing what to do with your money isn't enough. Breaking free from a scarcity mindset with licensed therapist Angela Williams 08.04.2025 26:16
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. Today I'm chatting with Angela Willia...
132. The Savvy Mom Series- Is bankruptcy the best option for you? Answering your questions about bankruptcy with Attorney Alia Khan 01.04.2025 21:20
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. Today we're kicking things off with A...
131. Automating your finances- If you want to spend less time managing your money, here are 3 things I'd automate first 25.03.2025 12:18
Hi friend, Let me guess... you're busy?! So that means you don't have time to waste on inefficient money management tasks, right? In today's episode I share with you 3 things I'd automate first to save you time (and brain space.) Plus I share why you want to focus on these 3 things first. Here's a recap of the episode: 1. Savings (and investments if you're investing) 2. Debt payoff 3. Any re...
130. You need a side hustle in 2025. How to pick an additional income stream when you have no idea where to start 18.03.2025 15:37
Hey friend! Listen, I will never be the one to use fear tactics to motivate you to make changes with your finances. But I will unapologetically tell you that burying your head in the sand and hoping for the best isn't the move either. I'll shoot you straight... you need a side hustle. An additional income stream. More money, honey. Whatever you want to call it. There's a lot up in the air ri...
129. What you can do as a mom in an uncertain economy to feel more secure 11.03.2025 13:52
Hey friend! Egg prices.... am I right?! Not just that but there's a lot to consider right now with everything going on in the world, especially as a mom who wants to make sure her family is secure. So today I'm talking about some dos and don'ts for life in 2025. In this episode I reference: The Money Mindful Moms Club . Pop in and grab what you need, when you need it. It's designed to tak...
128. Spring Break on a budget- Here are 3 things I would do now if I wanted to make the most of my family time this spring break without spending any money 04.03.2025 15:26
Happy March! Do you have plans for the upcoming Spring Break? Before you get tempted to spend money you don't have to make it magical for your kids, I want you to listen to today's episode. In this episode I share 3 things you can do now to start planning fun family experiences that cost little to nothing. PLUS in March I'll be giving you an action item for each episode (because sometimes we...
127. Life updates- 3 Major expenses we have coming up this year and what we're doing to prepare 25.02.2025 13:05
Hey friends, Today felt like a good day to share a little of our own money goals this year. In today's episode I share 3 big things we have coming up (that have hefty price tags attached) and what we're doing to prepare. Plus, I share what the March theme is going to be inside of the Money Mindful Moms Club! We're saving a seat for you there. If you want to join us, all the details are below...
126. How do you learn to be "good with money" when it doesn't come naturally? A pep talk from Krista 18.02.2025 9:01
Hey Friends! I'm so excited to be back today for a solo episode with a quick pep talk. Have you ever felt like money just isn't your thing because it doesn't come naturally to you? Maybe you have watched people win with money and thought how the heck do they do that? First of all, you're not alone. But most importantly, you can change that. And in today's episode I share how I was recently...
125. A Money Management system for your kids. How to teach your kids good money habits at any age with Emily from Raising Little Millionaires 11.02.2025 31:00
You want your kids to learn to handle their money, right? But... how? An allowance? Piggy bank? But what about teaching them how to save and spend and give? On today's episode we're learning how to do this at any age with Email from Raising Little Millionaires. Emily Holthaus is a self-taught money enthusiast, reformed overspender, and former educator with a background in curriculum design. A...
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