Her Money Mindset

55. How to Create a Holiday Financial Routine That Keeps You Out of Debt

The holidays aren’t the problem. The real issue is going into the season without a plan.
In this episode, I’m walking you through the simple weekly routine that keeps you organized, intentional, and out of debt this holiday season. You’ll learn how to choose your real holiday number, avoid impulse purchases, handle surprise expenses, and set yourself up for a calm and stress-free January. 🎄💰
Black Friday is also coming up, and I’m finally sharing the details here first. I have two offers this year and both are extremely limited. One of them includes a free 1:1 strategy call when you grab the Budgeting Basics Bundle. If you want early access, make sure you join the waitlist. You can sign up in the bio of any of my socials. 👀✨
If you want more personalized support, you can book a 1:1 strategy call with me anytime. It’s perfect if you need help with budgeting, income planning, or getting a clear step-by-step plan that actually works. And if you want to talk through your situation first, you can sign up for a free consultation call too. 💗
Resources Mentioned:
• Budgeting Basics Bundle
• SoFi HYSA
• Black Friday Waitlist (sign up at the link in bio of any of my socials!)
IG: @hermoneymindsets_TT: @courtneyschweinlerYT: @courtneyschweinler
• 1:1 Strategy Call
• Free Consultation Call
If you enjoyed this episode, it would mean so much if you left a rating or review. It helps the show reach more women who want to feel confident and in control of their money. 💕

54. Healing Financial Guilt: Letting Go of “I Should Be Farther By Now

If you’ve ever looked at your bank account and thought, “I should be farther by now,” this episode is your permission slip to let that guilt go.
We’re breaking down:
Where financial guilt really comes from
Why your money timeline doesn’t define your worth
How to rebuild self-trust and stop comparing your progress
Practical steps to move forward with peace — not pressure
This one’s packed with real talk, mindset shifts, and gentle healing for anyone who’s ever felt “behind.”
🎧 In the middle of the episode, I’ll also share two tools that can help you take back control right now:
💰 The Budgeting Basics Bundle – your step-by-step budgeting system
💕 Private Coaching 1:1 with me - let’s chat about your budget and get you set up with a game plan for your money 
💕 Free Consultation Call for my 12 week private coaching program, Her Money Method - we will spend 12 weeks working on your money mindset, building your savings, controlling overspending, and paying down debt 
🏦 SoFi High-Yield Savings Account – earn around 3.6% APY + cash bonus
✨ And heads up… Black Friday is coming 👀
Something special is on the way for my Her Money Mindset listeners — make sure you’re subscribed so you don’t miss it!
If this episode helped you, please leave a quick rating or review. It helps more women find the show and reminds me why I do what I do each week. 💗

53. The 3 Numbers Every Woman Should Know: Income, Expenses, and True Cash Flow

If you’ve ever asked, “Where does all my money go?” — this episode is for you.
We’re breaking down the three numbers every woman needs to know to feel confident and in control of her finances:
💰 Your income (what actually hits your account)
💸 Your expenses (what’s really leaving)
📊 Your true cash flow (what’s left — and what it’s doing for you)
Courtney walks you through practical steps, mindset shifts, and a few easy wins to help you finally feel clear about your money.
In this episode:
How to calculate your real take-home pay
The truth about where your expenses go
What your cash flow says about your habits
The tools that make tracking simple
💡 Mentioned in this episode:
Budgeting Basics Bundle
1:1 Strategy Call 
SoFi High-Yield Savings Account
Free Consultation Call for private coaching 
✨ Hint: Something big is coming for Black Friday — you’ll want to be ready!
If this episode helped you, please take 30 seconds to leave a rating or review on Apple Podcasts or Spotify. It helps more women find this show and start their own money transformation. 💗

52. You Don’t Need Discipline… Yet

Feeling like your budget never works — no matter how hard you try? You’re not alone.
In this episode, Courtney breaks down how to build a zero-based budget that actually fits your life, instead of fighting against it. You’ll learn how to plan every dollar without feeling restricted, guilty, or overwhelmed.
You’ll discover:
💡 How to make your budget flexible and realistic
💡 Why zero-based budgeting is more freeing than it sounds
💡 The #1 mindset shift that makes budgeting stick
✨ Ready to create a budget that finally works? Grab the Budgeting Basics Bundle
✨Book your free consultation call with me to see if Her Money Method private coaching is right for you! ✨Book your 1:1 Strategy Call with me to get a personalized game plan for your money✨ Open your SoFi high-yield savings account to start earning around 3.6% APY (vs. the 0.2–0.4% most banks offer) 
🔥 And make sure you’re on my email list — something really good is coming for Black Friday, especially if you’ve been wanting more support with your budget 👀
If this episode helped you, it would mean so much if you took 10 seconds to leave a quick rating or review on Apple Podcasts or Spotify. Your support helps the show reach more women who are ready to take control of their money and their mindset. 💕

51. How to Build a Zero-Based Budget That Feels Flexible, Not Restrictive

Feeling like your budget never works — no matter how hard you try? You’re not alone.
In this episode, Courtney breaks down how to build a zero-based budget that actually fits your life, instead of fighting against it. You’ll learn how to plan every dollar without feeling restricted, guilty, or overwhelmed.
You’ll discover:
💡 How to make your budget flexible and realistic
💡 Why zero-based budgeting is more freeing than it sounds
💡 The #1 mindset shift that makes budgeting stick
✨ Ready to create a budget that finally works? Grab the Budgeting Basics Bundle (and don’t forget to upgrade to the 1:1 Strategy call at a discount)! Use discount code HMMPODCAST at checkout for 15% off. ✨Know that you’ve got to make a change with your finances, but you just can’t seem to stick to it? Schedule a free consultation call with me and let’s chat. 
✨ Open your SoFi high-yield savings account to start earning around 3.6% APY (vs. the 0.2–0.4% most banks offer) 
🔥 And make sure you’re on my email list — something really good is coming for Black Friday, especially if you’ve been wanting more support with your budget 👀
If this episode helped you, it would mean so much if you took 10 seconds to leave a quick rating or review on Apple Podcasts or Spotify. Your support helps the show reach more women who are ready to take control of their money and their mindset. 💕

50. Why You Keep Falling Off Your Budget (Even When You Know What to Do)

In this episode, we’re breaking down why you keep falling off your budget even when you know exactly what to do. You’ll learn what’s really behind your inconsistency (spoiler: it’s not laziness), how to stop the guilt spiral, and how to build a budget that actually works for your lifestyle, not against it.
We’ll talk about the emotional side of budgeting, how to reset instead of restart, and the three biggest reasons your current plan keeps collapsing.
🎧 Listen for:
How to make your budget flexible enough to actually stick to
Why “falling off” is just feedback — not failure
How to course-correct without starting from scratch
The mindset shift that will change the way you budget forever
💡 Mentioned in this episode:
Budgeting Basics Bundle — your go-to system for realistic, flexible budgeting (use code HMMPODCAST for 15% off!) 
SoFi High-Yield Savings — earn more interest on your savings
Book a 1:1 Strategy Call or Apply for Her Money Method Coaching — use code HMMPODCAST for 15% off as a thank-you for listening
🎁 Black Friday is coming… and this year’s deal will be the best one yet. Stay tuned!
If you loved this episode, please take a quick moment to rate or review the podcast. This helps more women discover the show and start taking control of their finances too. 💖

49. The 5 Most Common Budget Mistakes (and How to Fix Them Before the Holidays)

You know how to budget… but somehow, it keeps falling apart right before the holidays.
In this episode, Courtney breaks down the 5 most common budget mistakes women make and exactly how to fix them before the holiday chaos hits. From emotional spending to invisible expenses and lack of systems, you’ll walk away knowing how to make your budget finally stick.
💬 In this episode, you’ll learn:
Why your budget isn’t failing — your systems are
How to stop relying on willpower
The sneaky expenses that always blow up your budget
Why fun (and rest) are non-negotiable
How to review your budget weekly without the guilt
If you’re ready to stop feeling broke every December and finally take control of your finances, this episode is a must-listen.
✨ Mentioned in this episode:
Work with Courtney 1:1 → 1:1 Strategy Call or Free Consultation Call  for long term private coaching
The Budgeting Basics Bundle
Open your SoFi High-Yield Savings Account
🎧 Tune in now, and don’t forget to leave a rating and review if this episode helps you — it means the world and helps more women find the show! 💕

48. How to Break the Shame Spiral Around Overspending

If you’ve ever checked your bank app and felt that “ugh, I did it again” moment, this episode is for you.
We’re unpacking what the overspending shame spiral really is, why it keeps you stuck, and how to finally move forward with confidence instead of guilt.
You’ll learn practical ways to stop the cycle, rebuild trust with yourself, and create structure that supports you — not shames you.
✨ Inside this episode:
Why shame keeps you stuck in the overspending loop
How to forgive yourself and rebuild trust
Simple steps to reset your money habits without restriction
🎧 Listen now and start creating a healthy, guilt-free relationship with your money.
Resources mentioned:
Free Consultation Call – Her Money Method Private Coaching
SoFi – My Favorite High-Yield Savings + Multiple Vaults Setup
Budgeting Basics Bundle — or a 1-Time 1:1 Strategy Call — use code HMMPODCAST for 15% off!!
Don’t forget to leave a review if you enjoy this podcast! 💕

47. What to Do When You Go Over Budget

You didn’t fail. You just learned something new about your spending.
In this episode, I’ll walk you through exactly what to do when you go over budget so you can fix it without starting from scratch, stop the guilt spiral, and make your budget stronger for next month.
✨ Resources Mentioned:
• Budgeting Basics Bundle — Build a flexible budget that actually fits real life. Use code HMMPODCAST for 15% off 
• SoFi High-Yield Savings Account — Start earning real interest on your savings (and get a cash bonus for signing up)!
• 1:1 Strategy Call — Get personalized support and a clear action plan in a one hour chat with me. Use code HMMPODCAST for 15% off 
• Her Money Method Private Coaching — Apply for a free consultation and create a long-term money strategy that actually works. 
💬 If this episode helped you, please leave a quick review — it helps more women find the show and start transforming their finances too.
🎧 Listen now and reset your budget with confidence.

46. Money Anxiety: What It Really Means and How to Calm It

Feeling anxious about money? You’re not alone — and it doesn’t mean you’re “bad with money.” In this episode, I’m breaking down what money anxiety really is, why it happens, and the practical steps you can take to calm it so you can finally breathe easier with your finances.
You’ll learn:
The real causes of money anxiety (hint: it’s not just about your bank balance)
Signs you might be stuck in financial stress
Simple shifts to lower your money anxiety today
Long-term systems that make managing money feel easier
✨ Links & Resources:
Grab the Budgeting Basics Bundle — the step-by-step system for a budget that actually works in real life
Book your free consult call — let’s talk about your goals and if private coaching is right for you
Open a SoFi high-yield savings account with my referral link and start earning more on your money
If you enjoyed this episode, please leave a review!