Her Money Mindset

25. How to Use Sinking Funds to Stay Out of Debt

Unexpected expenses don’t have to send you spiraling into credit card debt. In this episode of Her Money Mindset, we’re diving into how to use sinking funds—one of the most powerful (and underrated) tools to help you stay ahead financially.
You’ll learn:
What sinking funds actually are 
The most common categories to start with
A step-by-step system to create and track them
How to build them into your budget even if money is tight
Why using sinking funds can completely change your relationship with money
🎯 Whether you’re prepping for Christmas, car repairs, or your next trip—this episode will help you stay ready and debt-free.
Resources & Links:
✨ Grab the Budgeting Basics Bundle — use code THANKYOU25 to get 25% off
💸 Combine the Budgeting Template and your SoFi high yield savings account to set up your sinking funds today!
🤍 Join Her Money Club for accountability and bonus content
📞 Book a 1:1 Coaching Call or Apply for Private Coaching
🎁 Leave a review with your Instagram handle to be entered into a free coaching call giveaway!

24. How to Build Your Confidence With Money

If you’ve ever said, “I’m just not good with money,” this episode is for you.
Today we’re talking about what it really means to feel confident with your money, and spoiler: it’s not about how much you make. It’s about clarity, consistency, and control. 💸
In this episode, we’ll break down:
Why so many women don’t feel confident with money (and how to change that)
The 5 things you can start doing today to build real, lasting financial confidence
How mindset and action work together to shift your money story
Whether you’re just starting out or you’ve been budgeting for years, you’ll walk away with tools you can use immediately.
Links & Resources Mentioned:
→ Grab the Budgeting Template or full Budgeting Basics Bundle
→ Join Her Money Club for accountability + support 
→ Book a 1:1 Coaching Session or apply for private coaching
→ Open a high-yield savings account with SoFi (and get a $25 bonus!)
→ Leave a review with your IG handle to be entered into my monthly giveaway!

23. The 5 Most Common Budgeting Mistakes (and How to Avoid Them)

Let’s be real — budgeting isn’t always easy, and if you’ve ever wondered why your plan looks good on paper but doesn’t actually work in real life… this episode is for you. I’m breaking down the five most common budgeting mistakes I see women make (yes, I’ve made them too!) and exactly how to fix them.
From underestimating irregular expenses to making your budget way too strict, we’re diving into simple, practical shifts that can make a huge difference in how you manage your money. Whether you’re new to budgeting or just need a reset, you’ll walk away from this episode with clear action steps to get back on track.
🔗 RESOURCES + LINKS:
💻 Grab the Budgeting Basics Bundle – includes my budgeting template, expense audit, savings challenges, and more! Use code THANKYOU25 for 25% off: budgeting basics bundle
👯‍♀️ Join Her Money Club for exclusive content, trainings, and support! Use code HMMPODCAST for 50% off your first two months: her money club 
📊 Want to level up your savings? Open a SoFi account and get a $25 bonus when you use my referral link: open your high yield savings account here!
🧠 Need 1:1 support? Book a free consultation call for private coaching or book a 1 time 1:1 call here! 
🎁 Podcast Giveaway!
Leave a review with your Instagram handle to be entered to win a free coaching call + a surprise gift! Winners are announced at the end of the month!

22. How to Stop Your Emotional Spending

Are you spending to soothe emotions you haven’t even named yet?
In this episode of Her Money Mindset, we’re diving deep into emotional spending — why we do it, how to recognize it, and most importantly, how to stop the cycle.
If you’ve ever felt guilt or regret after an impulse buy, or caught yourself justifying a purchase with “I deserve this” after a rough day… this one’s for you.
You’ll learn:
What emotional spending really looks like (it’s not always obvious)
The root causes behind it — and how to identify your triggers
A simple 3-step process to pause before you swipe
Long-term strategies to shift from impulse to intention
You’re not alone — and you’re not bad with money. You’re just learning new ways to cope that don’t involve draining your bank account.
👇 RESOURCES + LINKS MENTIONED 
🎯 Grab the Budgeting Basics Bundle to support your budget and spending habits
💗 Join Her Money Club — lifetime access with any product purchase (only 1 free spot left!)
📅 Book a 1:1 coaching session or free consultation call 
🎁 Use code THANKYOU25 for 25% off!
💸 SoFi high yield savings account (get $25 just for signing up!) 
✨ Don’t forget to leave a review and tag your IG handle — you’ll be entered in our monthly giveaway for a free coaching session and a little something extra!

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!