The New Money Habits Podcast

Coach Nino Villa
  • 4.6 (7)
  • Self-Improvement
  • Updated 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. 3d ago

    Big Moments Deserve a Bigger Plan | Ep. 225

    What do marriage, welcoming a new baby, buying your first home, and Christmas all have in common?  They're some of life's biggest moments—and they deserve more than last-minute decisions. In this episode, Coach Nino Villa explores how preparing ahead of time changes not only your finances but also your peace of mind. Using marriage, growing your family, and homeownership as examples, he shares practical ways to think through major life events before they arrive, rather than reacting after they do. As part of our Christmas in July series, this conversation serves as a reminder that Christmas belongs in the same category. It isn't an unexpected expense. It's one of the most meaningful and predictable events of the year. The earlier you begin planning, the more freedom you'll have to focus on what matters most when December arrives. If you've ever wished Christmas felt less stressful and more meaningful, this episode will help you begin thinking differently—months before the holiday season begins. Learn More At New Money Habits, we believe financial freedom isn't created by reacting well—it's created by preparing well. Whether you're planning for Christmas, a growing family, your next home, or another important milestone, developing intentional money habits today creates greater peace tomorrow. Learn more about New Money Habits and discover resources to help you build a plan that supports the life you want to live. Helpful Resources Mentioned Watch on YouTube Subscribe to the New Money Habits YouTube channel for weekly conversations about budgeting, cash flow planning, debt elimination, and building lasting financial peace. Payday Power Planner Plan your spending before payday arrives. The Payday Power Planner helps you assign every dollar with purpose so life's biggest moments never become financial emergencies. Helpful Tools Budget Calculator Debt Freedom Calculator Peace of Mind Fund Calculator Financial Goal Worksheets Questions? Have a question you'd like answered on a future episode? Email us or connect with us through the New Money Habits community. Join the New Money Habits Community Continue the conversation inside our free online community where you'll find encouragement, practical ideas, and monthly live Community Meetups with Coach Nino Villa. Music Credits This episode features music by Summer School. Connect With Us Website: https://newmoneyhabits.com YouTube: https://www.youtube.com/@NewMoneyHabits Free Community: https://newmoneyhabits.com/community Payday Power Planner: https://newmoneyhabits.com/payday-power-planner Strategy Session: https://newmoneyhabits.com/strategy-session

    Big Moments Deserve a Bigger Plan | Ep. 225

  2. Jul 13

    What Do You Really Want This Christmas? (Revisit) | Ep. 224

    When most people think about preparing for Christmas, they immediately think about shopping.  But what if the better place to start is with a different question? What do you really want? In this episode of the New Money Habits Podcast, Coach Nino Villa and Maria Casillas explore the connection between your values, your priorities, and your spending decisions. They discuss why quick financial fixes rarely create lasting change, how understanding what matters most changes the way you build a spending plan, and why intentional preparation creates more peace than last-minute purchases ever could. Whether you're preparing for the holidays or simply trying to become more intentional with your money, this conversation will help you align your financial decisions with the life you actually want to build. Learn more at NewMoneyHabits.com Join the New Money Habits Community Money was never meant to be navigated alone. Join our community and connect with others who are building healthier money habits through practical encouragement, meaningful conversations, and ongoing support. Become a member starting at $7/month. Start your 7-day free trial today. https://www.patreon.com/NewMoneyHabits Helpful Resources Mentioned in This Episode ▶️ Watch on YouTubeFull video version of this episode. 🧾 Payday Power Planner (FREE)Plan your spending one payday at a time and create more margin with every paycheck.https://www.newmoneyhabits.com/freebudgetform 🧰 Free Tools & ResourcesBudgeting tools, calculators, worksheets, and more.https://www.newmoneyhabits.com/budgeteers/helpful-tools 📧 Submit Your Questionspodcast@newmoneyhabits.com 🤝 Join Our Free Facebook Communityhttps://www.facebook.com/groups/newmoneyhabits 📞 Schedule a Complimentary Strategy Sessionhttps://www.newmoneyhabits.com/freesession 🎓 Online Course: How to Create a Better Budget — Your Foundation to Financial Freedomhttps://www.newmoneyhabits.com/bootcamp Music Credits This episode features music by Summer School. Connect With Us Follow @newmoneyhabits on your favorite social media platforms for practical financial encouragement, new podcast episodes, budgeting tools, and stewardship-focused resources.

    What Do You Really Want This Christmas? (Revisit) | Ep. 224

  3. Jul 6

    Plan Now. Buy Later. (Revisit) | Ep 223

    Every year, many of us say the same thing.  "This Christmas will be different." We want to enjoy the season without wondering how we'll pay for it in January. We want to give generously without creating unnecessary financial stress. We want to focus on the people we love instead of the bills that arrive after the holidays. But a peaceful Christmas doesn't begin in December. It begins with the decisions we make long before the pressure arrives. As part of our Christmas in July series, we're revisiting one of our favorite conversations because its message is just as relevant today as when it first aired. Using Buy Now, Pay Later as the starting point, Coach Nino Villa explores a much deeper stewardship principle: Plan Now. Buy Later. Whether you're preparing for Christmas, replacing an appliance, planning a family vacation, or saving for your next major purchase, planning ahead creates something financing never can. Peace. When we make decisions while emotions are quiet, we're more likely to spend intentionally, avoid unnecessary debt, and enjoy the things we've worked hard for without carrying regret into the future. The best time to prepare for Christmas isn't when the decorations go up. It's while there's still time to plan. Learn more at NewMoneyHabits.com Join the New Money Habits Community Money was never meant to be managed alone. Join the New Money Habits Community and connect with others who are building healthier financial habits through encouragement, accountability, and practical stewardship. Memberships start at just $7 per month, and every membership includes a 7-day free trial so you can experience the community before deciding if it's right for you. Helpful Resources Mentioned in This Episode ▶️ Watch on YouTubeWatch the full video version of this episode. 📅 Payday Power Planner (FREE)A simple planning tool that helps you give every paycheck a purpose before you spend it. 🧰 Helpful Tools & Resources (FREE)Explore our collection of budgeting tools, calculators, and practical resources designed to help you build healthier money habits. ✉️ Submit Your QuestionsHave a question or a topic you'd like us to cover? We'd love to hear from you.podcast@newmoneyhabits.com 👥 Join Our Free Facebook GroupContinue the conversation with thousands of others who are pursuing financial freedom through healthier habits. 📞 Schedule a Complimentary Strategy Session with Coach NinoIf you're ready for personalized guidance, schedule a complimentary strategy session and discover your next faithful step. 🌱 New Money Habits CommunityBecome part of a growing community committed to intentional stewardship and lasting financial transformation. Music Credits This episode features music by Summer School. Connect With Us Follow @newmoneyhabits on social media for practical encouragement, stewardship conversations, and everyday strategies to help you build healthier money habits.

    Plan Now. Buy Later. (Revisit) | Ep 223

  4. Jul 1

    Christmas in July: Give Yourself the Gift of a Plan | Ep. 222

    Christmas rarely becomes stressful because of what happens in December.  More often, it becomes stressful because of the decisions that never happened in July. When the holidays arrive without a plan, emotions tend to take over. Advertisements become more persuasive. Black Friday feels more urgent. Expectations grow. Before long, many families find themselves spending money they never intended to spend and starting the new year trying to recover from the last one. What if this year were different? In this conversation, Nino Villa and Maria Casillas explore one of New Money Habits' favorite annual traditions: Christmas in July. They share a simple, practical approach to planning ahead while emotions are still quiet, giving you time to make thoughtful decisions about gifts, holiday events, and experiences before the pressure of the season begins. This isn't about creating a perfect Christmas or buying less simply for the sake of spending less. It's about replacing last-minute stress with intentional planning so you can enjoy the people, traditions, and moments that matter most. Because one of the greatest gifts you can give yourself this Christmas isn't found in a store. It's the peace that comes from planning ahead. Ready to take the first step? Become a New Money Habits Insider and download the Payday Power Planner Plus, which includes our Christmas Planner. It walks you through the same three-step process Nino and Maria discuss in this episode—from building your Christmas list and estimating your holiday budget to calculating exactly how much to save each payday between now and Thanksgiving. https://www.newmoneyhabits.com

    Christmas in July: Give Yourself the Gift of a Plan | Ep. 222

  5. Jun 24

    The Need Beneath the Purchase | Mary Ann Stenquist | Ep. 221

    Sometimes shopping does not feel like a want. It feels like a need. In this revisited conversation, Nino Villa talks with Mary Ann Stenquist about the deeper emotional needs that often shape spending decisions. Using Maslow’s hierarchy of needs as a lens, Mary Ann explains why some purchases feel so urgent, why shopping can become a way to seek comfort or control, and why simply telling yourself to “spend less” often does not reach the real issue. This episode is especially helpful if you have ever looked back at a purchase and wondered, “Why did I buy that?” or if shopping has become a way to avoid, escape, soothe, or feel better for a little while. The goal is not shame. The goal is awareness. Because when you understand the need beneath the purchase, you can begin making spending decisions with more honesty, clarity, and peace. Learn more about Mary Ann:https://becomeunshoppable.com/ Episode Summary In this revisited episode, Mary Ann Stenquist joins Nino Villa to explore why shopping can sometimes feel less like a want and more like a need. Mary Ann connects spending behavior to Maslow’s hierarchy of needs and explains how purchases can become a way to pursue security, belonging, comfort, status, relief, or escape. The conversation moves beyond surface-level budgeting and looks at what may be happening underneath the spending decision. Mary Ann discusses emotional spending, dopamine, mindfulness, impulse purchases, the importance of aligning spending with financial goals, and her “four D’s of decision-making” as a practical tool for interrupting the “I see it, I want it, I buy it” cycle. This is a helpful episode to revisit because it reminds us that spending is rarely just about the item. Often, it is about the need we are trying to meet through the item. Key Takeaways • Shopping can feel like a need when a deeper emotional need is not being met. • Overspending is often connected to escape, avoidance, comfort, control, belonging, or security. • The goal is not to shame the spending decision, but to understand what is driving it. • Mindfulness helps create space between the emotion and the purchase. • A spending plan works best when it is connected to the deeper “so that” behind your goals. • Mental math is usually not enough. Clear numbers help reveal the real trade-off. • Mary Ann’s “four D’s” can help interrupt impulse spending: defame, detach, distract, and declare/disclose. • A purchase may bring short-term relief, but it cannot permanently meet a deeper emotional need.

    The Need Beneath the Purchase | Mary Ann Stenquist | Ep. 221

  6. Jun 17

    What Grocery Shopping Reveals About Control, Planning, and Money | Andy Ellwood | Ep. 220

    Food prices have increased dramatically over the last several years, but the challenge many families feel at the grocery store goes deeper than inflation. This week, Nino Villa and Mary Ann Stenquist welcome Andy Ellwood, creator of the Stretch app, to discuss the habits that shape grocery shopping decisions and why so many people feel stressed, overwhelmed, or out of control when it comes to food spending. Together they explore the psychology of bargain hunting, the desire for certainty before making purchases, the hidden cost of convenience, meal planning, pantry shopping, and how preparation can reduce both financial pressure and decision fatigue. At its core, this conversation is about more than groceries. It's about what happens when we move from reacting to planning and how small habits can create greater clarity, confidence, and peace of mind. Learn more about Stretch:https://stretchgroceries.com/ Follow Andy:https://www.tiktok.com/@theandyellwood Learn more about Mary Ann:https://becomeunshoppable.com/

    What Grocery Shopping Reveals About Control, Planning, and Money | Andy Ellwood | Ep. 220

  7. Jun 10

    Mid-Year Money Reset for Couples: How to Talk About Money Without Fighting | Ep. 219

    Money conversations can be hard for couples, especially when both people are carrying different stories, habits, fears, and assumptions into the relationship. In this episode of The New Money Habits Podcast, Nino Villa is joined by co-host Karen Hackman, the New Money Habits voice for money and marriage, to talk about the mid-year reset from a couples perspective. Karen shares why many couples avoid money conversations, how fear of conflict can keep people from talking honestly, and why learning how to talk about money together can change more than just the budget. Nino and Karen discuss money stories, shared bank accounts, different upbringings, grocery pressure, rising costs, avoiding statements, creating a Peace of Mind Fund, and why getting the numbers out of your head and onto paper can bring relief. They also talk about how couples can schedule a simple money date, listen without judgment, and begin making a plan together as a team. If you and your spouse have been avoiding money conversations, this episode will help you start with more calm, clarity, and hope. Connect with Karen and lean more at: moneyandmarriage.net or moneyandmarriage.co.uk     Learn more at NewMoneyHabits.com Join the New Money Habits CommunityStart your 7-day free trial and connect with others building healthier money habits. Memberships start at $7/month. Helpful Resources Mentioned in This Episode Payday Power PlannerA free tool to help you plan your money between paychecks and make clearer decisions before the next payday arrives. Food Number CalculatorA free tool to help simplify food budgeting and planning. Submit Your QuestionsEmail us at podcast@newmoneyhabits.com Join Our Free Facebook Grouphttps://www.facebook.com/groups/newmoneyhabits Schedule a Free Call with Coach Ninohttps://www.newmoneyhabits.com/freesession Online Course: How to Create a Better BudgetYour Foundation to Financial Freedomhttps://www.newmoneyhabits.com/bootcamp Music CreditsThis episode features music by Summer School. Connect With UsFollow @newmoneyhabits on social media for more insights, tools, and updates.

    Mid-Year Money Reset for Couples: How to Talk About Money Without Fighting | Ep. 219

  8. Jun 3

    Mid-Year Money Reset: Look Back with Honesty, Move Forward with Clarity | Ep. 218

    The halfway point of the year is a natural time to pause, look back, and reset your money with more honesty and less shame. In this episode of The New Money Habits Podcast, Nino Villa is joined by Mike Kinealy, co-founder of New Money Habits, to talk about what a mid-year money reset can actually look like. They discuss why looking back at the first half of the year is not about self-condemnation, but about noticing what worked, what did not, and what needs to change as you move into the second half of the year. Nino and Mike talk about savings goals, debt payoff, underbudgeted categories, avoidance, cash-flowing unexpected expenses, and why progress should still be celebrated even when it does not look exactly like the original goal. They also discuss the difference between intensity and clarity, and why trying to change everything at once usually creates pressure instead of progress. If your money plan has drifted, your goals need to be adjusted, or you simply need a clearer place to begin again, this conversation will help you look back calmly and move forward with a more realistic next step. Learn more at NewMoneyHabits.com Join the New Money Habits CommunityStart your 7-day free trial and connect with others building healthier money habits. Memberships start at $7/month. Helpful Resources Mentioned in This Episode Watch on YouTube: Full video version of this episode here. Payday Power PlannerA free tool to help you plan your money between paychecks and make clearer decisions before the next payday arrives. Food Number CalculatorA free tool to help simplify food budgeting and planning. Submit Your QuestionsEmail us at podcast@newmoneyhabits.com Join Our Free Facebook Grouphttps://www.facebook.com/groups/newmoneyhabits Schedule a Free Call with Coach Ninohttps://www.newmoneyhabits.com/freesession Online Course: How to Create a Better BudgetYour Foundation to Financial Freedomhttps://www.newmoneyhabits.com/bootcamp Music CreditsThis episode features music by Summer School. Connect With UsFollow @newmoneyhabits on social media for more insights, tools, and updates.

    Mid-Year Money Reset: Look Back with Honesty, Move Forward with Clarity | Ep. 218
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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
    225
  • Rating
    Clean
  • Copyright
    © 2026 2022 MNM Money Team (dba New Money Habits)
  • Show Website
    The New Money Habits Podcast