The New Money Habits Podcast

Coach Nino Villa
  • 4.6 (7)
  • Self-Improvement
  • Weekly

A Better Plan for Your Money. Create new money habits and take control of your money. The New Money Habits Podcast offers real talk about how to create a better plan for your money so you don’t have to live paycheck to paycheck. Host: Coach Nino Villa Have questions for the hosts? Submit them to: podcast@newmoneyhabits.com Join our FREE Facebook Group of like-minded people: https://www.facebook.com/groups/newmoneyhabits Download our FREE Basic Budget Worksheet: www.newmoneyhabits.com Schedule a FREE call with Nino: www.newmoneyhabits.as.me/CoachNino Schedule a FREE call with Sarah: www.calendly.com/kuwtjfc/consult Music by Summer School @newmoneyhabits / @KUWTJFC

  1. 2d ago

    A Money Plan That Leaves Room to Say Yes | Ep. 238

    You’ve written down your income and bills, and the numbers suggest there should be money left over. But groceries still need buying, something renews next month, and a friend has invited you to do something you’d enjoy. It can be hard to know how much of that apparent leftover money is actually available. Nino begins this New Money Habits Classic by remembering how he first approached budgeting. He would subtract the recurring bills from his income and then look for money to buy food or put gas in the car. Those expenses hadn’t made it into the plan, even though he knew they were coming. He also considers the timing that a monthly total can overlook. A paycheck arriving near the end of one month may need to cover bills at the beginning of the next. Nino walks through planning around pay periods, including what happens when one paycheck appears to leave plenty of room and the next feels tight. The conversation then turns toward spending we want to enjoy. Nino talks about pocket money, saving for spontaneous opportunities, and giving flexible categories enough structure to know what’s available. He shares how one client funds her Dutch Bros app each pay period. She can enjoy the coffee she likes within that amount, and when the balance runs out, the next refill waits until payday. LEARN MORE The free Payday Power Planner can help you plan for your expenses and priorities around the timing of your paychecks. COMMUNITY The New Money Habits Community You can join for free. Paid memberships currently start at $7/month, rather than the $5 rate mentioned in the recording. HELPFUL RESOURCES Free tools and resources MUSIC CREDITS This episode features music by Summer School. CONNECT Follow @newmoneyhabits on social media. New Money Habits Facebook Group Questions or thoughts about the podcast? podcast@newmoneyhabits.com

    A Money Plan That Leaves Room to Say Yes | Ep. 238

  2. Oct 21

    When Every Money Goal Feels Important | Ep. 237

    Saving for the future, paying off debt, and preparing for something coming up can all feel important at the same time. We may want to make progress on every goal, yet find ourselves dividing our money and attention so many ways that it’s hard to feel much progress anywhere. Nino and Catherine Van Der Laan continue their conversation about financial goals in this New Money Habits Classic. Beginning with holiday planning, they consider how a goal’s deadline relates to the money available to fund it. Catherine shares a renovation she and her husband were saving toward. December was the timing she wanted, but as they considered what they could realistically set aside, she began looking at February instead. Nino also remembers finding a $20 bill in his backpack and mentally using it to cover several purchases made with his card. The cash was still in his wallet, and he kept thinking of it as available—even after the purchases had added up to more than $20. From there, they explore how competing goals show up in a budget and in the decisions we make each day. Catherine distinguishes an established, ongoing habit from the next larger goal receiving focused attention. Nino reflects on the encouragement of finishing something and carrying that momentum into the next priority. They also consider why a plan that works mathematically can still feel exhausting to live with. A clarification on the closing riddle: The $27 paid by the three travelers already includes the bellhop’s $2. The full accounting is $25 for the room + $2 kept by the bellhop + $3 returned = $30. Adding the $2 to $27 counts it twice. LEARN MORE If you’d like to see how your income, expenses, and priorities fit together, the free Payday Power Planner can help you put a plan around your pay periods. COMMUNITY The New Money Habits Community HELPFUL RESOURCES Free tools and resources MUSIC CREDITS This episode features music by Summer School. CONNECT Follow @newmoneyhabits on social media. New Money Habits Facebook Group Questions or thoughts about the podcast? podcast@newmoneyhabits.com

    When Every Money Goal Feels Important | Ep. 237

  3. Oct 14

    Do You Really Want That Financial Goal? | Ep. 236

    A financial goal can sound like something we want until we start considering what making progress toward it will ask of us. Paying off debt or building savings may matter to us, but so might convenience, time with friends, and the things that make an ordinary week enjoyable. Nino and Catherine Van Der Laan explore that tension in this New Money Habits Classic. Catherine recalls meeting with a prospective client who was struggling to save and felt stuck. As they talked through her spending and the life she hoped to build, Catherine began questioning whether the goals she had named were goals she actually wanted. Their conversation brings comfort and convenience into the discussion alongside financial progress. They also work through what makes a goal specific, measurable, achievable, relevant, and time-bound. Nino describes how putting actual numbers and a timeline around a debt can make it feel more within reach. Catherine shares clients’ excitement at seeing progress, including one who devoted an entire paycheck to debt and paid off her credit card in 90 days. But that same client needed a break afterward. Nino and Catherine spend time considering the margin a plan needs for everyday life, unexpected invitations, and spending we can enjoy without feeling guilty about the goal waiting elsewhere. Coffee, dinner with friends, and Catherine’s enthusiasm for all things pumpkin find their way into a conversation about pursuing something important without exhausting ourselves along the way. LEARN MORE If you’d like to put your income, expenses, and goals into a practical plan, the free Payday Power Planner can help you plan around your pay periods. COMMUNITY The New Money Habits Community HELPFUL RESOURCES Free tools and resources MUSIC CREDITS This episode features music by Summer School. CONNECT Follow @newmoneyhabits on social media. New Money Habits Facebook Group Questions or thoughts about the podcast? podcast@newmoneyhabits.com

    Do You Really Want That Financial Goal? | Ep. 236

  4. Oct 5

    Why Asking for Money Help Can Feel So Hard | Ep. 235

    Sometimes we know our money situation needs attention, but asking someone for help feels harder than continuing to struggle with it. We tell ourselves we should be able to figure it out, worry about what someone will think of our spending, or decide things aren’t bad enough to bring anyone else into the conversation. Meanwhile, the same worries and patterns keep showing up. Nino approaches that hesitation through his own experience receiving counseling for stress, anxiety, and anger. Working with Christian counselors helped him recognize things he hadn’t understood about his reactions and begin responding differently. He connects that help with his faith in Jesus and his belief that we are called to bear one another’s burdens. Having experienced the value of support himself, he questions why needing financial guidance should carry shame. He also remembers a high school assignment that taught him to work out a car payment without connecting it to his income or the cost of insurance, maintenance, and fuel. It raises a fair question about the expectation that we should already know how to manage money: what were we actually taught, and what have we been left to figure out? From recurring money arguments to feeling stuck, Nino considers how we can recognize the need for support and still talk ourselves out of seeking it. He also explains how he would challenge a spending choice that interferes with a client’s stated goal while leaving the decision with the client. Whether help comes from a financial coach or a thoughtfully chosen accountability partner, the conversation makes room to acknowledge what isn’t working and ask for support without treating that need as a personal failure. LEARN MORE If you’d like help thinking through your money situation, you can schedule a complimentary strategy session to talk about what’s happening and whether coaching would be useful. COMMUNITY The New Money Habits Community HELPFUL RESOURCES Free tools and resources MUSIC CREDITS This episode features music by Summer School. CONNECT Follow @newmoneyhabits on social media. New Money Habits Facebook Group Questions or thoughts about the podcast? podcast@newmoneyhabits.com

    Why Asking for Money Help Can Feel So Hard | Ep. 235

  5. Sep 30

    A Money Plan for the Life You're Actually Living (revisit) | Ep. 234

    There is a difference between knowing what you're supposed to do with money and having a plan that actually works in your life. We can learn how budgets work, understand the importance of saving, know that debt needs attention, and collect plenty of good financial information. But eventually all of that has to meet our actual income, actual expenses, actual priorities, and the decisions we're making every day. Nino shares what that looks like through a client whose financial plan became much more useful once they were working with the whole picture. Money that had been sitting in one large savings balance could suddenly be connected to specific priorities. Goals that had felt impossible became clearer. The numbers hadn't magically changed. What changed was their ability to work honestly with what was really there. And somewhere along the way, the conversation becomes more personal for Nino too. Building a real plan isn't only about getting the math right. Sometimes it requires being honest about where we are, what we're doing, and whether the way we're living actually reflects what we say matters. JOIN THE NEW MONEY HABITS COMMUNITY Join our free community and connect with others building healthier money habits. https://www.patreon.com/cw/NewMoneyHabits Become a member starting at $7/month and start your 7-day free trial today. https://www.patreon.com/cw/NewMoneyHabits HELPFUL RESOURCES Watch on YouTubeWatch the full video version of this episode. Helpful Tools (FREE)Explore the Payday Power Planner, Food Number Calculator, and other practical tools to help you build healthier money habits. https://www.newmoneyhabits.com/budgeteers/helpful-tools Schedule a Free Call with Coach Nino https://www.newmoneyhabits.com/budgeteers/contact Join Our Free Facebook Group https://www.facebook.com/groups/newmoneyhabits Submit Your Questions podcast@newmoneyhabits.com CONNECT WITH US Follow @newmoneyhabits on social media for more insights, tools, and updates. MUSIC CREDITS This episode features music by Summer School.

    A Money Plan for the Life You're Actually Living (revisit) | Ep. 234

  6. Sep 23

    When Old Money Habits Come Back | Ep. 233

    Getting out of debt, changing a spending pattern, or building a healthier relationship with money can take a lot of work. So when an old habit returns, it can be tempting to look at that moment and decide the progress didn't stick.  But what if the relapse itself has something to teach us? Nino and Maria continue their conversation about the stages of change by looking more closely at what happens when we return to an old financial behavior. They explore why the relapse probably began long before the balance became obvious, how thoughts such as “I can never get ahead” or “I can out-earn this later” can quietly influence the choices that follow, and why understanding what happened underneath the behavior may be more useful than simply creating another rule. Changing a habit doesn't always happen in a straight line. Sometimes going backward gives us information we didn't have the first time through—and that information can help us build a stronger way forward. JOIN THE NEW MONEY HABITS COMMUNITY Join our free community and connect with others building healthier money habits. https://www.patreon.com/cw/NewMoneyHabits Become a member starting at $7/month and start your 7-day free trial today. https://www.patreon.com/cw/NewMoneyHabits HELPFUL RESOURCES Watch on YouTubeWatch the full video version of this episode. Helpful Tools (FREE)Explore the Payday Power Planner, Food Number Calculator, and other practical tools to help you build healthier money habits. https://www.newmoneyhabits.com/budgeteers/helpful-tools Schedule a Free Call with Coach Nino https://www.newmoneyhabits.com/budgeteers/contact Join Our Free Facebook Group https://www.facebook.com/groups/newmoneyhabits Submit Your Questions podcast@newmoneyhabits.com CONNECT WITH US Follow @newmoneyhabits on social media for more insights, tools, and updates. MUSIC CREDITS This episode features music by Summer School.

    When Old Money Habits Come Back | Ep. 233

  7. Sep 16

    When Your Money Doesn't Match What Matters Most | Ep. 232

    Sometimes we look at the way we're spending money and realize it doesn't quite match the things we say matter most to us.  It's tempting to treat that as a budgeting problem. Spend less here. Save more there. Make a better plan. But what if the behavior is telling us something? In this revisited conversation, Nino Villa and Maria Casillas explore the relationship between money and our values—not simply the values we say we have, but the ones that begin to emerge through the choices we make with our money and our time. Maria shares questions she uses to help people get beneath the easy answers and think more honestly about what actually matters to them. That becomes more complicated when we recognize that we don't make those choices in isolation. Families can value different things. Advertising and the people around us can influence what we want. Sometimes spending that looks unnecessary from the outside may actually be meeting a very real emotional or relational need. And that's where the conversation begins to shift. Before we change a behavior, it may help to understand what that behavior has been doing for us.   JOIN THE NEW MONEY HABITS COMMUNITY  Join our free community and connect with others building healthier money habits. https://www.patreon.com/cw/NewMoneyHabits Become a member starting at $7/month and start your 7-day free trial today. https://www.patreon.com/cw/NewMoneyHabits HELPFUL RESOURCES Watch on YouTubeWatch the full video version of this episode. Helpful Tools (FREE)Explore the Payday Power Planner, Food Number Calculator, and other practical tools to help you build healthier money habits. https://www.newmoneyhabits.com/budgeteers/helpful-tools Schedule a Free Call with Coach Nino https://www.newmoneyhabits.com/budgeteers/contact Join Our Free Facebook Group https://www.facebook.com/groups/newmoneyhabits Submit Your Questions podcast@newmoneyhabits.com CONNECT WITH US Follow @newmoneyhabits on social media for more insights, tools, and updates. MUSIC CREDITS This episode features music by Summer School.

    When Your Money Doesn't Match What Matters Most | Ep. 232

  8. Sep 2

    Planning and Saving for Your Child's Education | Ep. 231

    Planning for your child's future can feel like trying to make financial decisions about a life that hasn't happened yet.  Will they go to college? Choose a trade? Stay close to home? Go out of state? What will it cost? How much should you pay? And how do you save for their future while still paying down debt, preparing for retirement, and taking care of everything your family needs today? Those unanswered questions can make it tempting to wait until you have a clearer plan. Mary Ann and Bereket Kelile explore a different approach: start with what you value, think about the future you're trying to support, and then let the numbers help you determine what's actually possible. That may mean funding part of an education rather than all of it, balancing college savings with retirement, considering different educational paths, or creating enough flexibility that the money can still serve your child when their plans inevitably change. They also discuss 529 plans, brokerage accounts, scholarships, Roth IRAs, planning for multiple children, and why parents don't have to carry 100% of the cost themselves. But underneath all of those choices is a much simpler principle: you don't need every answer before you begin. A small amount saved consistently today gives you something that waiting for the perfect plan never will—time. Audio Show Notes / Resources Join the New Money Habits Community Connect with others who are building healthier habits for money and life. Join for free, or become a paid member starting at $7/month with a 7-day free trial. https://www.patreon.com/cw/NewMoneyHabits Helpful Resources Watch on YouTube Helpful Tools (FREE):https://www.newmoneyhabits.com/budgeteers/helpful-tools Schedule a Free Call with Coach Nino:https://www.newmoneyhabits.com/budgeteers/contact Join Our Free Facebook Group:https://www.facebook.com/groups/newmoneyhabits Submit Your Questions:podcast@newmoneyhabits.com Connect With Us Follow @newmoneyhabits Bereket Kelile [Insert Bereket's required professional disclosure/disclaimer prior to publication.] Music Credits This episode features music by Summer School.

    Planning and Saving for Your Child's Education | Ep. 231
See All (238)

4.6
out of 5
7 Ratings

About

A Better Plan for Your Money. Create new money habits and take control of your money. The New Money Habits Podcast offers real talk about how to create a better plan for your money so you don’t have to live paycheck to paycheck. Host: Coach Nino Villa Have questions for the hosts? Submit them to: podcast@newmoneyhabits.com Join our FREE Facebook Group of like-minded people: https://www.facebook.com/groups/newmoneyhabits Download our FREE Basic Budget Worksheet: www.newmoneyhabits.com Schedule a FREE call with Nino: www.newmoneyhabits.as.me/CoachNino Schedule a FREE call with Sarah: www.calendly.com/kuwtjfc/consult Music by Summer School @newmoneyhabits / @KUWTJFC

Information

  • Creator
    Coach Nino Villa
  • Years Active
    2022 - 2026
  • Episodes
    238
  • Rating
    Clean
  • Copyright
    © 2026 2022 MNM Money Team (dba New Money Habits)
  • Show Website
    The New Money Habits Podcast

You Might Also Like