Krista Naldjian public
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Are you ready to finally break free from a never ending cycle of debt? Are you tired of skipping family vacations and experiences because you just can’t afford it? Do you want to pay of debt AND still prioritize making special memories with your kids while they’re young? Hey, I’m Krista and I’m so excited you’re here with me at Money Mindful Moms. I remember staring down our 6 figures of debt thinking I had failed my family and I was so over money always being an issue in our lives. I had a ...
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Let me guess, you have dreams of lying on a warm beach somewhere this summer? Or maybe you want to travel the country with your kids in an RV? Whatever your summer vacation plans look like, the biggest thing you need to do is make sure they fit in your budget. There's nothing more stressful than a vacation that's supposed to be relaxing, but instea…
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Would you consider yourself to be a perfectionist? Does budgeting stress you out because it doesn't always play out the way you'd planned? Do you feel like you're doing something wrong because your numbers never reflect exactly what you budgeted for? If so, you want to listen to today's episode where I share a budgeting mistake you might be making …
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Do you have a goal to improve your credit score? I have a question for you: Why? It actually is a good thing to want to improve your credit, but not everyone understands why it's actually important. In today's episode I give you 3 reasons why your credit score matters and how it impacts your life. PLUS I share 1 really important reason I don't thin…
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Are you getting a tax return this year? If so, you want to listen to this episode where I break down the order of operations I would consider if I was getting a tax return. Part of being Money Mindful Moms means we thoughtfully plan where we want our money to go, so get ahead of this now and have a plan for the tax return that is hitting your accou…
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Would an extra $500 a month make a difference for your family right now? If so, I want you to stop what you're doing and listen to this episode. I break down one of our extra tight months from a while back and how we were able to squeeze an extra $500 out of our budget to make our numbers work. Not only do I share the things we did to find the $500…
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Have you been considering starting a side hustle, starting a home based business, or looking for a part time remote job to fix your finances? TODAY'S EPISODE IS FOR YOU! You may want to consider going that route OR you may actually just need to budget better. In today's episode we dive into both option and discuss pros and cons. I hope it helps you…
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In today's episode I'm giving you a peek into what it's like to be a part of The Overflow Program. -What will you be doing over the course of the 8 weeks? What's included? -What topics will we cover and what can you expect to walk away from the 8 weeks with? - How can you pay off your debt WITHOUT sacrificing all your precious family time? I answer…
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Today I'm excited for you to hear from one of my brand new graduates of The Overflow Program Isabel as she shares her journey starting just 8 weeks ago living paycheck to paycheck, having no savings or a plan on how she was going to get her finances on track to feeling like the fear was taken out of finances and she now has a solid plan in place to…
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Are you dreaming of the day you can walk into work and give your 2 weeks notice so you can be a Stay at Home Mom? Or maybe you dream of starting a business from home that allows you the flexibility to drop off and pick up your kids from school but you don't think you could afford to. If that is you, I have some good stuff for you in today's episode…
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Does it feel like your paycheck disappears just as fast as it came in? Do you feel like payday should be exciting but there's nothing left to show for it as soon as you pay your bills? You are not alone and in today's episode we're going to talk about why that can happen and 4 things you can do to help you set up a simple budget that you'll actuall…
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Does it feel like you're always pushing upstream when it comes to your $ goals? Does it feel like you're taking one step forward and two steps back in your pursuit to pay off debt? Do you find yourself thinking making more money has to be the answer because you've tried everything and you're still not making progress towards saving money? You may b…
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In today's episode we get the privilege of learning from Alexis Greco. Alexis is an Army wife, a homeschool mom to her 4 children ages 10 and under and she coaches female entrepreneurs all over the world on how to use systems to create the thriving home and business of their dreams... a life in rhythm. If you are on the struggle bus when it comes t…
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Are you a parent of littles? Not sure what to expect will pop up when it comes to expenses for your kids as they continue to grow? Today's episode is for you. I'm sharing 10 things that came up for us as our kids were getting older that I had never really given much thought to until we were at that stage. I hope it helps you prepare for what may be…
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Today's topic is juicy! Do you think you should only date people with good credit? A new app called "Score" is playing matchmaker but only if you have good credit. In today's episode I give you my honest opinion and break down who might benefit from this app and some things about the app that rub me the wrong way. Basically the good, the bad and th…
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Help! My car needs a $3,000 repair! Has this ever happened to you? You're cruising along towards your $ goals and then all of a sudden you're sucker punched with a major unexpected expense? In today's episode I'm sharing some of the recent setbacks we've experienced and how we're handling them as I continue to work on my goal to pay off all my cred…
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Are you an Over Achiever? If so, high five! Because me too! :) In today's episode I'm sharing how some of the qualities of being an Over Achiever can actually set you back in your pursuit of your money goals. We can be perfectionists and extra hard on ourselves which is not the vibe we're going for especially when it comes to pursuing a wealthy lif…
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Have you ever said something like: - I made a budget, but I can't get my husband on board with sticking to it. - I'm a saver but my partner is a spender and it feels like he's undoing everything I'm trying to do. - We've just stopped talking about money because it always leads to an argument. If any of those sound like you, you're in the right plac…
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If you are itching to get to your goals faster there may be some places in your budget that you can adjust to make it happen. In today's episode I'm sharing the 4 items in your budget to start with that will give you the most return. If you want to: pay off debt finish saving for a down payment on a house free up space in your budget to be able to …
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After reading your market research surveys I hear you loud and clear... this economy has you looking for ways to make money from home. I couldn't love this more! There absolutely is a way you can get to your goals faster by adding an extra income stream. That's why I knew I had to bring on my friend Lizzie, better known as @fiercelizzie on instagra…
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I did a challenge in January. Because sometimes you just need to do something big to shake things up. In today's episode I share exactly what I did and how it could serve you in getting to your financial goals faster this year. If you need more support with your debt payoff or savings goals, my next round of the Overflow Program won't be until Apri…
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"I'm just a mom." Great! That makes you qualified to master money. Did you know that as a mom you already have so many of the skills you need to master your money? -You don't have to be a numbers person. -You don't have to know anything about investing (yet) -You don't have to love excel spreadsheets Take your preconceived notions about what you th…
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Struggling with comparison? In today's episode we're talking all about one of the most challenging parts of focusing on your finances.... staying positive when it feels like everyone else is getting to go on vacations, buy houses, buy cars, and put their kids in all the most expensive activities. I'll admit, it's hard to avoid feeling this way from…
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Does your budget feel like it's in a rut? Is it just not working for you? Or maybe you're less than inspired to stick to it? There are a handful of things you may want to look at to see if those changes might help. Budgeting, when done right, actually is fun! So if it feels like a chore and your numbers are always off, let's change that! More resou…
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I'm turning 40 this year and what better way to celebrate than paying off all my credit card debt?! In this episode I not only share the details on my goal, but I also share why it matters for you. If you have a big goal with your money this year I share a bold action step you may want to take to get it done once and for all. Cheers to being debt f…
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When was the last time you heard someone say "it takes a village!" I hear it all the time. And it's true! But what if there was a way your village could help lighten the financial load of motherhood? And, even better, you can help do the same for someone else! Don't have a village? You can create one. And in this episode I share one simple thing yo…
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Target moms, let's discuss! I love Target as much as the next person, but their marketing department has the secret sauce that is making us fall into a consumerism trap. What can you do if you want to keep shopping at Target but you want to avoid passing on any negative spending habits or mindsets to your kids? There is a way you can enjoy your Tar…
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Do you ever wonder why your efforts to get your money right haven't lasted in the past? Have you ever worked really hard to save for a vacation and then as soon as the vacation is over you go right back to your old, overspending ways? Why is that? Today we are talking about motivation and how shifting your focus can help you finally make the lastin…
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Let me guess.... you're busy?! All the more reason why, getting started now making money systems a priority matters. If you're wanting to start or kick start your journey towards paying off debt or building emergency savings, today's episode gives you the smallest task that will make the biggest impact to kick things off. And the best part? You can…
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Hi friend! If you have money goals this year I would bet you want to save yourself the time and headache that comes from making unnecessary mistakes. Today's episode covers a few common mistakes I see, especially this time of year when we're thinking about our goals even more. Ready to go all in this year? My program The Overflow Program is current…
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Happy New Year! I hope you are feeling excited about what this New Year could bring for you and for your family. Whether you paid off $0 of debt last year, or $10,000 of debt last year, if you're not debt free yet and you want this to be your year, I have some thoughts on how to shift your focus to ensure this is your year. In this episode we talk …
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Happy New Year! I am loving hearing from so many of you that you want to start a business. You have passions and dreams that you're eager to get out into the world. And I get it! I've had several businesses over the past 18 years and I can 100% relate to the excitement of sharing your passions that can help people with the world. With that experien…
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It's almost that time! The time to watch the ball drop and dream about what 2024 might bring for you and your family. But there's one important step I see people skip that could make or break your success with the goals you have. So before you do your New Year's goal setting session, listen to this episode first so you don't miss it. If you need mo…
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Happy (almost) Merry Christmas! On today's episode I break down our spending for the holidays. I share exactly what we did to keep our budget extra tight this year and a few unconventional things we did that saved us money this year. I also share something I want to do differently next year because it wasn't perfect by any means. If you need more s…
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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…
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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 coach…
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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 m…
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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…
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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 to…
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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…
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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 in…
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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 …
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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…
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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 y…
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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 cove…
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*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…
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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 reflectio…
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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 y…
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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 espe…
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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 migh…
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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 w…
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