Her Money Mindset

58. Loving Yourself Well (Without Overspending or Self-Sabotage)

Valentine’s Day can bring up a lot of pressure, especially around spending and self-care. In this episode, we’re talking about a quieter kind of self-love. The kind that actually supports you instead of leaving you stressed or regretful later.
We’ll talk about the difference between comfort and care, how emotional spending often shows up when we’re tired or overwhelmed, and what loving yourself well can look like when it comes to money.
If Valentine’s Day feels complicated this year, this conversation is for you.
Resources mentioned:
Budgeting template, debt payoff tracker, and mortgage payoff calculator (all in one bundle)
Mortgage Freedom Blueprint
High-yield savings account
If you enjoyed this episode, leaving a review helps more women find the podcast. Thanks for being here. 💕

57. How to Use Your Tax Return to Meet Your Financial Goals

Tax season brings up a lot of emotions — relief, pressure, excitement, and sometimes guilt. And for many people, a tax refund feels like “extra money” that disappears just as quickly as it arrives.
In today’s episode, we’re slowing the conversation way down and talking through how to use your tax return intentionally, in a way that actually supports your financial goals and brings more peace into your life.
We’ll walk through:
Why you don’t need to decide what to do with your refund right away
The most helpful ways to use a tax return depending on your season of life
How faith and stewardship can guide money decisions without shame or pressure
Common mistakes that lead to regret — and how to avoid them
A simple framework to create a refund plan that feels aligned and realistic
✨ Resources mentioned in this episode:
My budget spreadsheet, debt payoff tracker, + more! 
Mortgage Freedom Blueprint (can also be used for regular debt payoff)
(You can also bundle these for even more savings!) 
As a thank you for being a podcast listener, you can use code HMMPODCAST for 15% off.
If you loved this episode, please leave a review! 💕

56. Why Trying to Control Everything Is Draining You (Especially With Money)

Trying to do everything “right” with money can quietly turn into exhaustion.
In this episode, we’re talking about why trying to control every financial detail can feel so draining, even when you’re being responsible. We’ll explore how fear can disguise itself as discipline, the difference between control and stewardship, and what it looks like to pursue financial peace without letting go of wisdom.
If budgeting has started to feel heavy, stressful, or emotionally exhausting, this conversation is for you.
🔗 Resources Mentioned 
💰 High-Yield Savings (SoFi):
Get up to $325 w/ this link!
📊 Budget Spreadsheet & Debt Payoff Bundle:
grab your budgeting tools here!
🏡 Mortgage Freedom Blueprint Bundle:
Grab your guide to debt freedom here!
💸 Podcast Listener Thank-You:
As a thank-you for listening, you can use code HMMPODCAST for 15% off my budgeting tools.
💕 Don’t forget to leave a review and share this episode with a friend!

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. 💕