Christ Centered Stewardship

Nino Villa & Maria Casillas
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  • Christianity
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Christ Centered Stewardship by New Money Habits Welcome to Christ Centered Stewardship by New Money Habits, where biblical truth, practical financial skills, and real conversations come together to help you build a life of freedom, peace, and purpose. Hosted by Nino Villa and Maria Casillas, this show goes far beyond traditional personal finance. We believe that money isn’t just about numbers — it’s about identity, behavior, mindset, and what (or who) we trust. Most people never learn how to manage money in a way that aligns with their faith, their values, or the life God created them to live. We’re here to change that. Meet Your Hosts Nino Villa, an educator turned financial coach, brings clarity, structure, and biblically grounded wisdom. He specializes in helping people build new money habits that are simple, sustainable, and rooted in Scripture. His calm, practical coaching and his belief that God’s Word offers real answers make him a trusted guide for anyone seeking lasting financial transformation. Maria Casillas brings a creative, psychology-driven approach to money. After experiencing—and overcoming—more than $100k of debt fueled by fear, stress, and misaligned priorities, she now helps people understand why they do what they do with money and how to break the habits that keep them stuck. Her coaching style is fun, insightful, and rooted in behavior change and values alignment. Together, Nino and Maria create a dynamic, relatable, and faith-filled environment where listeners can grow, learn, and feel understood — no shame, no judgment, no overwhelm. What You’ll Find Here ✔ Biblical financial principles explained through real-life stories ✔ Practical tools and step-by-step guidance for building healthy money habits ✔ Honest conversations about the emotions, fears, and beliefs that shape our financial decisions ✔ Encouragement and hope for anyone feeling stuck, stressed, or unsure ✔ Weekly episodes and short-form content designed for teens, college students, young adults, and families ✔ A safe, Christ-centered space to explore money through the lens of stewardship Whether you’re navigating money for the first time or rebuilding after years of struggle… Whether you want to strengthen your marriage, deepen your faith, or break generational patterns… Whether you’re curious, confused, or simply ready for something different… You’re in the right place. This is more than a podcast. More than a YouTube channel. It’s a movement calling Christians back to God’s design for stewardship — a way of living that brings peace, freedom, and purpose to every area of life. Subscribe, listen, and grow with us as we learn to manage money God’s way. Because true financial freedom doesn’t start with a calculator. It starts with Christ at the center.

  1. How to Manage Inconsistent Income Without Constant Stress

    1d ago

    How to Manage Inconsistent Income Without Constant Stress

    In this episode of the Christ Centered Stewardship podcast, Nino Villa and Maria Casillas discuss one of the most common challenges facing entrepreneurs, commission-based professionals, tipped employees, freelancers, and small business owners: inconsistent income.  When your income changes from month to month, it can feel almost impossible to know how much you can spend, save, give, or plan ahead. That uncertainty often creates stress—not only for the person earning the income, but also for the spouse or family trying to manage the household. Nino and Maria explore how a thoughtful plan can replace uncertainty with clarity. They discuss determining what your household actually needs each month, paying yourself consistently from your business, building retained earnings for slower seasons, involving your spouse in the process, and learning to manage both the practical and emotional sides of variable income. Whether you're self-employed, receive commissions or tips, or simply experience fluctuating income throughout the year, this conversation offers practical wisdom rooted in faithful stewardship. In this episode, Nino and Maria discuss: Why inconsistent income creates stress even when income is sufficient The emotional difference between predictability and uncertainty How entrepreneurs can pay themselves a consistent income Creating a retained earnings account for slower months Why spouses often experience variable income differently The danger of making assumptions instead of creating a plan Using bonuses intentionally instead of spending every good month Why getting your finances on paper changes the conversation Working both sides of the equation: income and expenses Weekly Challenge Set aside thirty minutes this week to write down what it actually costs to operate your household each month. Don't guess. Don't estimate in your head. Write it down. Whether your income is consistent or inconsistent, clarity begins by knowing what your household truly requires. Once you know that number, you can begin making decisions from wisdom instead of uncertainty. Community Invitation As you listen, consider where God may be inviting you to replace financial uncertainty with faithful planning. Stewardship isn't about controlling the future. It's about responding wisely to what He has entrusted to you today. If you'd like to continue the conversation, we invite you to join the Christ Centered Stewardship Facebook Group:https://www.facebook.com/groups/christcenteredstewardship Hosted by: Nino Villa and Maria Casillas

    30 min
  2. Peace Through Christ in Life’s Storms

    Jun 23

    Peace Through Christ in Life’s Storms

    This week, we are revisiting an earlier conversation from the Christ Centered Stewardship podcast on peace through Christ. Life does not become simple just because we follow Jesus. We still face uncertainty, pressure, loss, hard decisions, financial stress, job changes, family tension, and seasons that feel difficult to understand. But Christ offers a peace that is not dependent on everything being calm, predictable, or under our control. In this episode, Nino Villa and Maria Casillas reflect on what it means to experience peace through Christ in the middle of life’s storms. They talk honestly about grief, unexpected loss, job uncertainty, surrender, prayer, wisdom, boundaries, and the difference between knowing about peace and learning to receive it from Christ. This conversation is a reminder that stewardship is not only about what we manage. It is also about where we place our trust when life feels uncertain. In this episode, Nino and Maria discuss: Why following Christ does not mean life will be easy How peace through Christ is different from the absence of trouble What it means to walk through loss with a different perspective Philippians 4:6–7 and the peace that surpasses understanding The difference between knowledge, understanding, and wisdom Learning to seek God’s peace in the middle of real-life storms How to approach tough conversations with family members Why healthy boundaries can be part of love The role of surrender, prayer, and trust when life feels uncertain Weekly Challenge Take five minutes each day this week and reflect on the truth that there is a peace that does not make sense apart from Christ. You may want to read and sit with Philippians 4:6–7 and Isaiah 26:3. Bring one area of stress, grief, uncertainty, or pressure before God, and ask Him to help you recognize where you may be trying to control the storm instead of trusting Christ within it. Community Invitation As you listen, consider where God may be inviting you to stop carrying the weight alone and return to the peace Christ offers. If you’d like to walk this journey in community, we invite you to join the Christ Centered Stewardship Facebook Group, where we reflect on Scripture, discuss each episode, and encourage one another in faithful living. Hosted by: Nino Villa and Maria Casillas

    39 min
  3. Talking to Kids About Money: Discipling Children Into Stewardship | Ep. 027

    Jun 15

    Talking to Kids About Money: Discipling Children Into Stewardship | Ep. 027

    In this episode of the Christ Centered Stewardship podcast, Nino Villa and Maria Casillas talk about how parents can progressively disciple their children into faithful stewardship. The conversation begins with real-life examples from their own families: Maria’s recent college graduate entering the workforce and Nino’s sixteen-year-old daughter receiving her first paycheck. From there, they explore how money conversations can grow with children over time, beginning with simple modeling and gratitude when they are young and moving toward work, saving, giving, investing, taxes, budgeting, credit cards, and real financial decisions as they mature. This episode is not about creating fear around money or placing adult burdens on children too early. It is about stewarding the role of parent with intention, teaching age-appropriate lessons, and helping children understand that money is not just something to spend. It is something to manage faithfully under God’s care. Nino and Maria also reflect on how children absorb the words, beliefs, and scripts they hear at home. They discuss why phrases like “we don’t have money” can shape a child’s thinking, why parents should explain money concepts before they become urgent, and how modeling may matter even more than formal teaching. In this episode, Nino and Maria discuss: Why stewardship conversations can begin earlier than many parents think How children learn by watching what parents model Age-appropriate money conversations for young children, preteens, teenagers, and young adults Teaching gratitude, delayed gratification, and trade-offs How to talk about giving, saving, investing, and spending Why terminology matters when teaching children about money Helping kids understand work, taxes, rent, insurance, debt, and credit cards How to let children practice financial responsibility in safe, guided ways Why parents should reflect on whether they are modeling the values they teach Weekly Challenge Have one age-appropriate conversation with your child about stewardship this week. That conversation may be about spending, saving, giving, gratitude, work, contentment, trade-offs, or how to care for what has been entrusted. Keep it simple, honest, and appropriate for their stage of life. Then reflect honestly: Am I modeling the values I am teaching? Community Invitation As you listen, consider where God may be inviting you to steward your role as a parent, grandparent, mentor, or trusted adult with greater intention — not by having every answer, but by modeling faithfulness and opening meaningful conversations. If you’d like to walk this journey in community, we invite you to join the Christ Centered Stewardship Facebook Group, where we reflect on Scripture, discuss each episode, and encourage one another in faithful living. Hosted by: Nino Villa and Maria Casillas

    41 min
  4. Stewarding Travel Well: Planning Ahead Without Losing Peace | Ep. 026

    Jun 8

    Stewarding Travel Well: Planning Ahead Without Losing Peace | Ep. 026

    In this episode of the Christ Centered Stewardship podcast, Nino Villa and Maria Casillas talk about how to steward travel plans with wisdom, peace, and intentionality. As summer travel begins, many families are thinking about trips, vacations, weddings, college drop-offs, work travel, and time away. Travel can be a gift, but without planning, it can also create stress, overspending, and debt that follows us home. Nino and Maria walk through a practical way to think about travel expenses, including transportation, lodging, getting around once you arrive, food, entertainment, and a helpful contingency category for the unexpected. They also discuss the emotional side of travel planning: why it can feel difficult to spend money even when it was saved for that purpose, how planning ahead can reduce stress, and why it is okay to enjoy the fruit of preparation. This conversation is not about turning travel into a rigid financial exercise. It is about aligning your plans with wisdom, giving your money a purpose, and stewarding both time and resources faithfully. In this episode, Nino and Maria discuss: Why travel planning helps prevent coming home to debt The difference between planned travel and unplanned travel Key categories to include in a travel budget Why food and entertainment are often underestimated How a contingency category can protect the plan The emotional “ouchy moment” of spending saved money Why planning ahead can help you enjoy the trip with more peace How travel can become part of faithful stewardship when it reflects your values Weekly Challenge If travel is part of your values, add it as a line item to your budget or cash flow plan. You do not have to know exactly where you are going yet. Start by setting aside what you can, a little at a time. Over time, that small rhythm can become a travel fund that allows you to say yes to meaningful trips, family moments, ministry opportunities, or needed rest without relying on debt. Community Invitation As you listen, consider where God may be inviting you to plan with more intention — not to control every outcome, but to steward your time, money, and opportunities with wisdom and peace. If you’d like to walk this journey in community, we invite you to join the Christ Centered Stewardship Facebook Group, where we reflect on Scripture, discuss each episode, and encourage one another in faithful living. Hosted by: Nino Villa and Maria Casillas

    38 min
  5. More Money, More Problems: Why Income Alone Doesn’t Fix Money Habits | Ep. 025

    Jun 1

    More Money, More Problems: Why Income Alone Doesn’t Fix Money Habits | Ep. 025

    In this episode of the Christ Centered Stewardship podcast, Nino Villa and Maria Casillas talk about the belief that more money will fix our financial problems. Prompted by a group question asking what one thing people would change about their current financial situation, Nino and Maria reflect on how many responses centered on more income, winning the lottery, or having greater access to money. While they acknowledge that there are real circumstances where more income can ease pressure, they also explore a deeper truth: more money does not automatically change the behaviors, beliefs, and patterns that created the pressure in the first place. The conversation moves from “What would you change externally?” to “What behavior might God be inviting you to examine internally?” Nino and Maria discuss debt, credit cards, Amazon spending, rewards cards, Costco purchases, gas budgeting, and the subtle ways convenience can reduce intentionality. Rather than shaming financial decisions, this episode invites listeners to become active participants in the solution, notice what is not serving them well, and bring their behavior back into alignment with faithful stewardship. In this episode, Nino and Maria discuss: Why more money does not automatically solve financial pressure The difference between being poor and being broke How more income can amplify existing habits Why behavior matters more than access to money How credit cards and rewards can create unintended consequences Why convenience can quietly reduce intentionality How to become an active participant in the solution Weekly Challenge This week, instead of focusing on one external thing you wish would change, turn the question inward. Ask yourself: What is one behavior I could change that would improve my financial situation? This is not about shame or blame. It is about honest awareness. When we begin to notice the behaviors that are not serving us well, we create space for truth, wisdom, and faithful change. As you listen, consider where you may be looking for an external solution when God may be inviting you to examine a behavior, belief, or pattern within you. If you’d like to walk this journey in community, we invite you to join the Christ Centered Stewardship Facebook Group, where we reflect on Scripture, discuss each episode, and encourage one another in faithful living. Hosted by: Nino Villa and Maria Casillas

    25 min
  6. Comparison Is the Thief of Joy: Contentment, Gratitude, and Stewardship | Ep. 024

    May 25

    Comparison Is the Thief of Joy: Contentment, Gratitude, and Stewardship | Ep. 024

    In this episode of the Christ Centered Stewardship podcast, Nino Villa and Maria Casillas talk about the familiar phrase, “comparison is the thief of joy,” and what it means for contentment, gratitude, and faithful stewardship. The conversation explores the difference between happiness and joy, why joy is not dependent on circumstance, and how comparison slowly chips away at contentment. Nino and Maria reflect on how today’s world makes comparison easier than ever through social media, constant access to other people’s highlight reels, and a consumer culture where spending can happen with almost no friction. Rather than simply encouraging listeners to “stop comparing,” this episode invites a deeper reflection: What is shaping your attention? What influences are forming you? And how can gratitude help create space for contentment instead of discontentment? In this episode, Nino and Maria discuss: Why joy is deeper than happiness How comparison chips away at contentment and gratitude Why social media expands the comparison trap How easy access to spending fuels consumer habits Why shrinking the influence can help protect peace How gratitude helps re-center your perspective Weekly Challenge For the next seven days, write down three to five things you are grateful for each day. By the end of the week, you will have a visible list of 21 to 35 things you can thank God for. If possible, place the list somewhere you will see it often so gratitude becomes part of the space you live in, not just something hidden away. As gratitude takes up more space, comparison and discontentment have less room to grow. As you listen, consider where comparison may be chipping away at contentment — and where God may be inviting you back into gratitude, peace, and joy. If you’d like to walk this journey in community, we invite you to join the Christ Centered Stewardship Facebook Group, where we reflect on Scripture, discuss each episode, and encourage one another in faithful living. Hosted by: Nino Villa and Maria Casillas

    24 min
  7. When Life Feels Tight: Control, Surrender, and Wise Stewardship | Ep. 023

    May 18

    When Life Feels Tight: Control, Surrender, and Wise Stewardship | Ep. 023

    In this episode of the Christ Centered Stewardship podcast, Nino Villa and Maria Casillas continue their conversation about how people respond when life and money start to feel tighter. After discussing panic and avoidance in previous episodes, this conversation turns to control. On the surface, control can sound wise. But when pressure causes us to over-restrict, grasp for certainty, or try to manage every outcome, it can begin to steal the peace God promises. Nino and Maria reflect on the difference between healthy self-control and unhealthy control, the importance of prayer, and what it looks like to return what has been entrusted to us back to God. They also discuss how mistakes can become opportunities for growth when we come to God with humility, gratitude, and a willingness to learn. The episode also includes a practical “Ask the Coaches” conversation about whether tipping culture has gotten out of control, how to think about tipping without guilt or pressure, and why generosity should come from gratitude rather than obligation. In this episode: Why control is not always a healthy response to pressure The difference between ownership and stewardship How prayer helps us return control to God Why gratitude helps break resentment and stagnation How mistakes can become opportunities for growth A thoughtful conversation about tipping, generosity, and obligation Weekly Challenge This week, be intentional in your giving. Do not give out of pressure, guilt, obligation, or compulsion. Instead, pause and ask whether your giving is rooted in gratitude, wisdom, and a desire to honor God. As you listen, consider where pressure may be leading you toward control, obligation, or reaction — and where God may be inviting you back into trust, gratitude, and faithful stewardship. If you’d like to walk this journey in community, we invite you to join the Christ Centered Stewardship Facebook Group, where we reflect on Scripture, discuss each episode, and encourage one another in faithful living     Hosted by: Nino Villa and Maria Casillas

    31 min
  8. “It’s Not Working”: Rethinking Savings, Patience, and Financial Progress | Ep. 022

    May 11

    “It’s Not Working”: Rethinking Savings, Patience, and Financial Progress | Ep. 022

    Saving money sounds simple in theory, but emotionally it can feel much harder in practice. In this conversation, we explore why so many people feel discouraged with savings, even when it’s technically “working.” From car repairs and property taxes to vacations and future goals, there’s often an emotional tension that happens when money finally has to be used for the very thing it was saved for. We talk about the “ouchy moment” that comes when savings leaves the account, why delayed gratification is so difficult in a culture built around immediacy, and how gratitude and permission can completely change the way we think about financial progress. Along the way, we unpack the deeper spiritual side of savings, stewardship, abundance, and even the danger of hoarding. Through a simple analogy about growing tomatoes, the conversation shifts toward patience, harvest, generosity, and the importance of using money intentionally rather than fearfully. If you’ve ever felt like your savings “isn’t working,” this conversation may help you see things differently. Weekly Challenge:Identify one area where you’ve been discouraged with your financial progress. Instead of focusing only on the amount, reflect on what that money is actually providing—peace of mind, preparation, opportunity, or future generosity. As you listen, consider where pressure may be leading you toward control, obligation, or reaction — and where God may be inviting you back into trust, gratitude, and faithful stewardship. As you listen, consider where pressure may be leading you toward control, obligation, or reaction — and where God may be inviting you back into trust, gratitude, and faithful stewardship. If you’d like to walk this journey in community, we invite you to join the Christ Centered Stewardship Facebook Group, where we reflect on Scripture, discuss each episode, and encourage one another in faithful living

    20 min
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About

Christ Centered Stewardship by New Money Habits Welcome to Christ Centered Stewardship by New Money Habits, where biblical truth, practical financial skills, and real conversations come together to help you build a life of freedom, peace, and purpose. Hosted by Nino Villa and Maria Casillas, this show goes far beyond traditional personal finance. We believe that money isn’t just about numbers — it’s about identity, behavior, mindset, and what (or who) we trust. Most people never learn how to manage money in a way that aligns with their faith, their values, or the life God created them to live. We’re here to change that. Meet Your Hosts Nino Villa, an educator turned financial coach, brings clarity, structure, and biblically grounded wisdom. He specializes in helping people build new money habits that are simple, sustainable, and rooted in Scripture. His calm, practical coaching and his belief that God’s Word offers real answers make him a trusted guide for anyone seeking lasting financial transformation. Maria Casillas brings a creative, psychology-driven approach to money. After experiencing—and overcoming—more than $100k of debt fueled by fear, stress, and misaligned priorities, she now helps people understand why they do what they do with money and how to break the habits that keep them stuck. Her coaching style is fun, insightful, and rooted in behavior change and values alignment. Together, Nino and Maria create a dynamic, relatable, and faith-filled environment where listeners can grow, learn, and feel understood — no shame, no judgment, no overwhelm. What You’ll Find Here ✔ Biblical financial principles explained through real-life stories ✔ Practical tools and step-by-step guidance for building healthy money habits ✔ Honest conversations about the emotions, fears, and beliefs that shape our financial decisions ✔ Encouragement and hope for anyone feeling stuck, stressed, or unsure ✔ Weekly episodes and short-form content designed for teens, college students, young adults, and families ✔ A safe, Christ-centered space to explore money through the lens of stewardship Whether you’re navigating money for the first time or rebuilding after years of struggle… Whether you want to strengthen your marriage, deepen your faith, or break generational patterns… Whether you’re curious, confused, or simply ready for something different… You’re in the right place. This is more than a podcast. More than a YouTube channel. It’s a movement calling Christians back to God’s design for stewardship — a way of living that brings peace, freedom, and purpose to every area of life. Subscribe, listen, and grow with us as we learn to manage money God’s way. Because true financial freedom doesn’t start with a calculator. It starts with Christ at the center.

Information

  • Creator
    Nino Villa & Maria Casillas
  • Years Active
    2025 - 2026
  • Episodes
    30
  • Rating
    Clean
  • Copyright
    © 2026 2025 MNM Money Team (dba New Money Habits)
  • Show Website
    Christ Centered Stewardship