Her Money Mindset

21. What to Do With a Pay Raise (and How to Avoid Lifestyle Creep)

Got a raise? Let’s make sure it actually works for you instead of disappearing into lifestyle upgrades. In this episode, we’ll break down exactly what to do with your extra income—step by step—so you can build freedom, not just fancier bills. We’ll also unpack how lifestyle creep sneaks in, why it feels so tempting, and the mindset shifts that keep you grounded and in control.
If you’re ready to use your raise to make real progress with your money goals, this one’s for you.
✨ Mentioned in this episode:
One Month Expense Audit
Budgeting Basics Bundle
Her Money Club – only 6 free founding spots left with a product purchase!
Free consultation or private coaching
SoFi High Yield Savings (get a $25 bonus when you sign up with my link!) 
Invest your spare change with Acorns (get a $5 bonus when you sign up with my link!) 
🎁 BONUS: Any product purchase gets you lifetime free access to Her Money Club while spots remain (only 6 left!).
If you enjoyed this episode, please leave a review and don’t forget to include you IG handle to be included into a giveaway! 🎉
You can find Courtney on Tik Tok, Youtube, and Facebook under @courtneyschweinler. You can also find her on Instagram under @hermoneymindsets_. 

20. What Financial Independence Really Means

On this 4th of July, let’s talk about real freedom — financial freedom. In this episode, I’m breaking down what financial independence truly means beyond just money, and how to start building it right now — no matter your income.
💸 Ready to take action?
• Grab the One Month Expense Audit
• Save with the Budgeting Basics Bundle – use code THANKYOU25 for 25% off!
• SoFi high yield savings account (get $25 when signing up with my link!) • Acorns investing app- invest your spare change and get started today! 
• Only 11 free spots left in Her Money Club – lifetime access with any product purchase!
• Want 1:1 support? Book a coaching session or a free consult call today.
• Leave a review + your IG handle to enter our July giveaway for a coaching call + bonus gift! 🎉

19. How To Cut Things From Your Budget Without Feeling Deprived

Feel like budgeting means giving up everything you love? Not today. In this episode, we’re breaking down how to cut things from your budget without feeling deprived.
I’ll walk you through how to make smart, intentional shifts that still let you enjoy your life — because budgeting should feel freeing, not frustrating.
💡 Ready to take action?
Grab the free One Month Expense Audit to see where your money’s really going
Snag the full Budgeting Basics Bundle — use code THANKYOU25 for 25% off
Book a 1:1 coaching session or a free consultation to get personalized support
Join Her Money Club for ongoing encouragement and accountability
🎁 For the next 12 buyers, any product purchase gets you FREE lifetime access to Her Money Club — and don’t forget to use code THANKYOU25 at checkout!
💬 Don’t forget to leave a review with your Instagram handle to be entered in our giveaway for a free coaching call + a little extra surprise. The winner will be  announced in the last episode of July!

18. Stop Self-Sabotaging Your Money

Are you constantly starting over with your money goals? Tired of feeling like you’re the one standing in your own way? In today’s episode, we’re talking all about financial self-sabotage — what it looks like, where it comes from, and most importantly, how to stop it.
If you’ve ever avoided checking your bank account, overspent to “treat yourself,” or told yourself you’ll try again next month… this one’s for you.
We’ll dive into:
The real emotional roots behind self-sabotage
Subtle ways we block our own financial progress
How to rewrite your money story and rebuild trust with yourself
Simple, powerful strategies to start taking control again
You’re not broken — you’re just ready to break the cycle.
💸Resources Mentioned
FREE One Month Expense Audit 
1 Time 1:1 Coaching Call
Consultation for 1:1 Coaching Program
SoFi High Yield Savings Account (you get a $25 bonus for signing up with my link!)
✨ Limited Time Offers + Giveaways
Grab my Budgeting Template — it’s 30% off for the next 24 hours only
Use code HMMPODCAST to get 50% off your first TWO months inside Her Money Club
💖 Leave a review on the podcast and include your Instagram handle to be entered to win a free coaching call + a little surprise gift!
Winner will be picked in the last episode of July!
Don’t forget to follow Courtney on IG at hermoneymindsets_ to stay in the loop on the surprise product launch on Sunday! 🤭👀💸

17. Debt Payoff Methods

In this episode of Her Money Mindset, we’re diving into the most popular debt payoff methods—like the snowball, avalanche, and consolidation—so you can confidently choose the one that fits your mindset, lifestyle, and goals.
If you’ve been feeling stuck or unsure where to start, this episode will help you take the first (or next!) step toward becoming debt-free.
Mentioned in this episode:
Download the FREE One Month Expense Audit
Grab the Budgeting Template or Budget Bundle(If you buy the budgeting template, you’ll see an option to add on the budget bundle at a great discount.)
Join Her Money Club for coaching and community(Use code HMMPODCAST for 50% off your first 2 months)
Apply for 1:1 Private Coaching or a one-time coaching call(Currently offered at a discounted price)
Use my SoFi and Acorns referral links for bonus savings
Find me on:
TikTok, YouTube, and Facebook: @courtneyschweinler
Instagram: @hermoneymindsets_
If this episode helped you, share it with a friend and leave a quick review—it means everything!

16. Your Environment Shapes Your Spending Habits

Your surroundings play a bigger role in your money habits than you think — from your home and phone to your friends and routines. In this episode, we’ll break down how your environment may be triggering overspending and what you can do to take back control.
✨ Ready to change your money habits from the inside out?
Grab the resources mentioned in the episode to support your journey:
👉 One Month Expense Audit – FREE
👉 Budgeting Template
👉 Join Her Money Club – just $12/month! 
👉 Book Private Coaching – work with me 1:1
Let’s clean up your space, your screen, and your mindset so your money can finally reflect the life you actually want. 💞
You can find Courtney on Tik Tok, Youtube, and Facebook under @courtneyschweinler. You can also find her on Instagram under @hermoneymindsets_. 
If you enjoyed this episode, please leave a review and come back next week for more!

15. 5 Financial Goals Every Woman Should Have

Feeling stuck or unsure where to focus your money goals? In this episode, I’m breaking down 5 financial goals every woman should have to build confidence, peace of mind, and long-term freedom. 
From emergency funds and budgeting to investing and values-based spending—we’re keeping it real, simple, and actionable. 👏🏻
💸 Mentioned in this episode:
• Free One Month Expense Audit
• Her Money Club
• SoFi – $25 Bonus Savings Link
• Acorns Referral – Start Investing
• Private Coaching Consultation Call If you want more advice and a deep dive into retirement, life insurance, investing, estate planning, etc. set up a free consultation with my financial advisor, Caitlin, here! 
You can find Courtney on Tik Tok, Youtube, and Facebook under @courtneyschweinler. You can also find her on Instagram under @hermoneymindsets_. 
If you enjoyed this episode, please leave a review and come back next week for more!

14: Social Media Is Triggering Your Overspending

Feeling the pressure to spend every time you scroll?
Let’s talk about how social media might be secretly draining your bank account — and how to stop the cycle. In this episode, I’m breaking down why social feeds trigger overspending, how to spot the signs, and practical ways to take back control of your money (and your peace).
💸 RESOURCES
✨ Grab the FREE One Month Expense Audit – one month expense audit
👯‍♀️ Join Her Money Club for support + accountability – her money club
🧠 Want 1:1 support? Sign up for Private Coaching – her money method- private coaching
You can find Courtney on Tik Tok, Youtube, and Facebook under @courtneyschweinler. You can also find her on Instagram under @hermoneymindsets_. 
If you enjoyed this episode, please leave a review and come back next week for more! 💞

13: Emergency Fund 101

Ever feel like building an emergency fund is impossible when you’re just trying to stay afloat? In this episode, we’re breaking down exactly how to start—even if money is tight or inconsistent.
You’ll learn:
What counts as a real emergency (and what doesn’t)
How much to save based on your life
Where to keep it so it’s safe but accessible
Common mindset blocks that keep women stuck—and how to overcome them
This is your no-shame, beginner-friendly guide to finally building financial peace.
💬 Links + Resources Mentioned:
✅ Start your high-yield savings account with SoFi and get a free cash bonus when you use my referral link → get your $25 with SoFi here!
📊 Download the FREE One Month Expense Audit to find hidden money in your budget → one month expense audit
🧠 Grab the Budget Bundle for the full budgeting system + mindset tools to stop living paycheck to paycheck → budget bundle
💬 Join Her Money Club for monthly support, resources, and exclusive workshops → Her Money Club!
🎯 Need 1:1 help with your money plan? Work with me privately and get personalized coaching that fits your life → one time coaching call
→ 12 week private coaching
💖 If this episode helped you, don’t forget to:
✔ Follow me on my socials (TikTok, YouTube, and Facebook is @courtneyschweinler and Instagram is @hermoneymindsets_)
✔ Leave a review
✔ Share it with a friend who’s ready to take control of her finances

12: Budgeting When You’re Tired, Overwhelmed, Or Just Don’t Want To

Feeling too exhausted to even look at your budget? You’re not lazy — you’re human.
In this episode of Her Money Mindset, we’re talking all about how to take care of your finances even when you’re burnt out, overwhelmed, or just flat-out tired of trying. This is budgeting with grace, not guilt.
You’ll learn:
💤 What to do when budgeting feels impossible
🧠 How to handle money when you’re in survival mode
🧾 3 low-energy systems that still move you forward
💗 Mindset shifts to quiet the guilt and start fresh
🎯 How to build momentum without relying on willpower
Whether you’re curled up on the couch or driving to a job you’re trying to escape, this episode will meet you exactly where you’re at.
Links + Resources Mentioned:
🛠️ Budget Bundle
📋 One Month Expense Audit
🏦 SoFi HYSA (you get a bonus for using my link!)
👯‍♀️ Join Her Money Club ($12/month)
You don’t have to do it all — you just have to stay connected. And this episode will show you how. You can find Courtney on Tik Tok, Youtube, and Facebook under @courtneyschweinler. You can also find her on Instagram under @hermoneymindsets_. 
If you enjoyed this episode, please leave a review and come back next week for more!