In this episode of The New Money Habits Podcast, Coach Nino Villa answers listener questions about budgeting for gift giving, paying off debt, and planning for spontaneous spending without creating financial stress.

Many people struggle to balance generosity, debt elimination, and everyday enjoyment. Nino walks through how intentional financial planning makes room for all three — without guilt or chaos.

In this conversation, you’ll learn:

• How to budget for gifts without disrupting your financial plan
• Why planning for “unexpected” spending reduces stress
• Practical steps for managing and eliminating debt
• How to build a money plan that supports both responsibility and enjoyment

Money management isn’t about restriction. It’s about intention.

When you plan ahead, you create space for generosity, progress, and peace of mind.

If you’re working to build better financial habits while staying grounded and realistic, this episode will help you think differently about budgeting, debt, and everyday spending.

For more tools and resources, visit NewMoneyHabits.com

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Helpful Resources Mentioned in This Episode

• Watch on YouTube: Full video version of this episode

• Payday Power Planner (FREE): Streamline your budgeting process
  https://www.newmoneyhabits.com/budgeteers/helpful-tools

• Food Number Calculator (FREE): Simplify food budgeting and planning
  https://www.newmoneyhabits.com/budgeteers/helpful-tools

• Submit Your Questions: Email us at podcast@newmoneyhabits.com

• Join Our Free Facebook Group:
  https://www.facebook.com/groups/newmoneyhabits

• Schedule a Free Call with Coach Nino:
  https://www.newmoneyhabits.com/budgeteers/contact

• Online Course: How to Create a Better Budget: Your Foundation to Financial Freedom
  https://www.newmoneyhabits.com/bootcamp

Music Credits
This episode features music by Summer School.

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