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

30. Non-Scale Victories (Money Edition) All the Money Wins I Experienced this Year 19.12.2023

In today's episode I dive in to what some of my non-scale victories (or NSV's) were in relation to my money this year.  If you're reflecting on your year you MUST consider your own NSV's especially if you didn't hit your goal in terms of a dollar amount put into savings or a debt payoff goal.  If you need more support with your debt payoff or savings goals, my next round of the Overflow Program wi...

29. Holidays on a Budget Series Pt. 5- The Story of the Christmas Pack n Play. A Holiday message I want to leave you with 14.12.2023

We've reached the end of our Holidays on a Budget Series and on this episode I leave you with some hope no matter what this season looks like that next year could look entirely different.  In the next few weeks we'll dive into what that could look like for you.  Wishing you the best Holiday season! More resources:  Want to work with me?  My group coaching program called The Overflow Program is ope...

28. Holidays on a Budget Series Pt. 4- Traveling in style (and on budget) 12.12.2023

On today's episode we're talking about all things Holiday Travel. -Do you have plans in place already but you're hoping to save money so you can stay on track with your financial goals? -Is travel not in your budget this year?  I've got you covered too.  There is a way you can enjoy your trips this year knowing you're not going further into debt to make it happen. Happy traveling! More resources: ...

27. Holidays on a Budget Series Pt. 3- Family Experiences. You don’t have to miss out on the magic of the season with your kids! Celebrate the season AND stay on budget. 07.12.2023

Happy Holidays! Mom guilt can rear it's ugly head this time of year, can't it?  We see what everyone else is doing with their families and suddenly we're spiraling and worrying if we're not doing enough for our kids.  In today's episode we're releasing the mom guilt and identifying the things we actually want to do with our families this time of year.  We will dive into how to make them fit into y...

26. Holidays on a Budget Series Pt. 2- Holiday Parties without blowing your budget 05.12.2023

Happy Holidays!  One of the most overlooked parts of the Holidays when it comes to your budget is parties.  The costs involved can really add up and if you're not factoring them in to your overall spending plan this time of year, it's really easy to go over budget and start putting things on credit cards you won't be able to pay off right away. In today's episode we'll cover how to determine exact...

25. Holidays on a Budget series #1- Gifts 30.11.2023

Hi friend! Today is the first episode in a new series all about doing the Holidays on a budget.  As my friend beautifully put it, "we're having a humble Christmas this year."  Are you having a humble Christmas this year?  There is a way you can stay on budget this year without sacrificing the best parts of the holidays.   In todays episode we're talking about gifts.  Inexpensive gifts, free gifts...

24. Living on 1 income? 3 things you MUST do if you’re a one income household 28.11.2023

Are you living on one income or considering going down to one income? Are you dreaming about quitting a job you don't like so you can be home with your kids?  Or maybe you want to start a business but that means you won't have income coming in for a while.  In today's episode we'll go over 3 things you MUST do if you're considering going down to 1 income, or even if you are already a 1 income fami...

23. Gratitude. How one simple practice can shift your mindset (and your bank account) 23.11.2023

Happy Thanksgiving!  Because it's a day of being thankful we're talking about how you can tweak your gratitude list to help you start looking for things to be grateful for, even during a challenging season.  Also, take advantage of my Black Friday deal and get my 7 day intensive called FUNded for just $39!  This is only available through 11/28 so use this link to learn more and to get yours while...

22. Are you a crab or an orca? 21.11.2023

Hi friend!  In today's episode we're talking about the importance of who you surround yourself with.  It is so true that the people you spend your time with either drag you down or lift you up.  There is no in between.  After listening I hope you'll be part of #teamorca because it starts with you! Also, take advantage of my Black Friday deal and get my 7 day intensive called FUNded for just $39! ...

21. How to budget when you don’t like budgeting. 5 things to change up to make budgeting work for you! 16.11.2023

Welcome back! Today's episode is specifically for my friends who don't love budgeting.  There IS a way you can learn to love it so today our goal is to get you one step closer to loving it.   In this episode I give you 5 things to consider changing up to make it work for your life.   Believing your budgeting ninja status is right around the corner! If you need more support with your debt payoff or...

20. How to know when it’s time to add an income stream 14.11.2023

Hey friends!   I know the cost of living is on many people's minds these days and one of the solutions you may be considering is adding a stream of income.  But how do you know if it's the right time?  And if it is the right time, how do you know what your next move should be?  What stream of income makes sense for your situation?   We're going to be covering all that in today's episode.  If you n...

19. Our debt story. How we ended up with 6 figures of debt. 09.11.2023

*A note about this episode:  I will be talking about the topic of child loss so if that's not something you want to hear about, it would be best to skip this episode.  Today's episode will be a change of pace.  Instead of me giving you some action items I will be sharing a story.   I hope it gives you hope that you can turn the ship around if you're not where you want to be financially.   Thank yo...

18. The Holidays don’t have to break the bank this year. 5 Questions to ask yourself BEFORE you start planning to save you $$$ 07.11.2023

Hey friends! Whether you're ready or not we're officially into the holiday season and, while you may have been one that typically wings it this time of year and ends up overspending, I believe that this year could be different for you.  BUT it will take planning and a willingness to be intentional this year.  In today's episode I give you 5 reflection questions to help you plan out your Holiday se...

17. Taking a pay cut. What you should focus on if you’re heading into an income dip season (and how to prepare if you’re not there now) 02.11.2023

Happy November! Listen, I know no one likes to think about taking a pay cut.  I hope you're not there.  But if you are, there are some things you can focus on in that season to lessen the blow.  And if you're not there, in today's episode I give you 3 things to prepare for when the next time comes that your income dips. If you need more support with your debt payoff or savings goals, my next round...

16. A money myth that might be keeping you stuck 31.10.2023

Hey friend! If you have been stuck at the same place for a while, today's episode might give you something to think about.  We're talking about a money myth you might be believing that's keeping your stuck.  By now you've probably realized how much mindset plays a factor in your journey with money.  It's worth looking at your beliefs around money especially if you're not where you want to be.   If...

15. Paying for Peace: 3 unexpected things I pay for even on a tight budget (and how you might be making it harder on yourself by being too frugal) 26.10.2023

Hi friends! In today's episode we are kicking the old school money advice to the curb that says you need to cut everything "non essential" out of your budget.  Because what many money experts might consider "non essential" might be very essential and could actually help you get to your goals faster. Questions to ask yourself to identify how you might be able to pay for peace: 1. What is draining m...

14. Struggling with consistency? You may be missing this ONE thing 24.10.2023

Hi friends! If you are someone who has no problem getting fired up for your financial goals, but you can't seem to stick to them for the long run, today's episode was made for you.  In this episode we'll cover one thing you might be missing that's keeping you in that perpetual hot and cold mentality about your goals.   B More resources:  Want to work with me?  My group coaching program called The...

13. 4 things you can start doing to teach your kids good money habits even if you’re way off track with your own money goals 19.10.2023

Hi Mama,  We all want to get it right when it comes to parenting.  It can feel defeating when we know what our kids need to be successful but feel unequipped to give it to them.  If that's how you feel when it comes to teaching your kids about money, this episode will give you so much hope.  You have what it takes right now, no matter where you're at.   In this episode I reference this blog post w...

12. 15 years of marriage and money. What we’ve done well and what we’d have done differently with our finances. 17.10.2023

Tomorrow is our 15 year wedding anniversary so, of course, I had to have my husband on the podcast to celebrate! In this conversation Abe and I talk about some of the biggest money wins we have had during our marriage and some of the learning opportunities that came from missing the mark.   We hope it helps you see that your setbacks are normal and also reminds you of all the things you have to be...

11. Income- Your most powerful wealth building tool. START HERE if you want to bring in income for your family whether you’re a SAHM, WFHM, or work outside the home. 12.10.2023

Have you ever felt like your income is what it is and there isn't much you can do about it?  Today's episode will hopefully show you that that's simply not true.  In this episode I give you 3 places to start focusing on to bring in more income for your family either on a part time basis, or even working up to full time.  There is a way you can increase your income WITHOUT having to go get a tradit...

10. I missed my goal. The pep talk I gave myself that you might need to hear too 10.10.2023

Hey there! On today's episode I'm lifting the curtain on a part of my business that I think might serve you too... setting and missing goals.  In this episode I referenced Angela Duckworth's research on grit.  If you'd like to know more I would start with her Ted Talk Watch it here If you want to see just how gritty you are, you can take here 12 item grit assessment to learn more https://www.dropb...

09. $0 saved for The Holidays? Put the credit cards down! There IS a way you can still have a debt free Christmas if you start now 05.10.2023

Happy October! I know Christmas may feel far away but if you have little to nothing saved for it, it can feel stressful watching the weeks pass.  You don't have to resort to putting it all on credit cards, though.  If you're ready to get into action right away to make sure you have a great debt free Christmas, today's episode was made just for you.  In today's episode I refer to a company called O...

08. Where are my spenders? 3 things you can do to go from spender to saver. 03.10.2023

Hey friend! Are you more of a spender or a saver?  In today's episode I have some tips for my fellow spenders to help you channel your inner saver.  There is a way you can spend joyfully knowing you're the one in control and not the shoes calling your name.  More resources:  Want to work with me?   My group coaching program called The Overflow Program is open for enrollment 4 times per year.   Lea...

07. There may be a way you can make your next career move WITHOUT money being your #1 motivator 28.09.2023

Hey mama! I know it can be challenging to know what the best decision can be when money is a major factor.  But what if you could make your next career move WITHOUT money being the #1 motivator?   Should I go back to work, or not?  Should I start the business?  Should I take a job that's more fulfilling for less pay?  Lots to think about, and in today's episode I share the story of one of my clien...

06. Should I invest in a coach? 3 questions to ask yourself before you invest. 26.09.2023

Hey friend! Some of my best investments have been in coaches or courses so I'm here to bust the myth that you can't invest in yourself when you're on a budget.  But how do you know if it's the right move financially?  In this episode I give you 3 questions to ask yourself before you invest in a coach (or a course, or a program).  More resources:  Want to work with me?   My group coaching program c...

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