In Part 2 of this conversation, Coach Nino Villa continues talking with Mary Ann Stenquist about a deeper question: why does shopping sometimes feel less like a want and more like a need?

Mary Ann connects the six spending types to Maslow’s hierarchy of needs and explains how spending is often tied to emotional needs that are not being met in more lasting ways

This conversation goes beyond “just stop spending” advice and looks at what is actually happening underneath the surface. You’ll hear why dopamine is only part of the picture, how marketers tap into those deeper needs, and why mindfulness matters if someone wants to change their relationship with money

If shopping has ever felt like an escape, a reward, or something you turn to when life feels heavy, this episode will help you understand why.

Learn more at NewMoneyHabits.com

Join the New Money Habits Community

• Join our free community and connect with others building healthier money habits

• Become a member starting at $7/month

• Start your 7-day free trial today

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.

Connect With Us
Follow @newmoneyhabits on social media for more insights, tools, and updates.

In this episode of The New Money Habits Podcast, Coach Nino Villa is joined by Mary Ann Stenquist, The Money Make Under and Spending Coach, for Part 1 of a conversation about why overspending happens and how to start understanding it more clearly.

Mary Ann shares how her own frustration with overspending led her to a different question. Instead of asking why the budget was not working, she started looking more closely at how money was actually being spent and what was driving those decisions. That led her to identify six common spending types and the emotional patterns behind them

In this episode, you’ll hear why overspending is not always a budgeting problem, how someone can overspend even in categories that feel necessary, and why understanding your spending type can become a starting point for much healthier money habits

If you’ve ever felt confused about why you keep spending in certain ways even when the numbers seem fine on paper, this conversation will help you start making sense of it.

Learn more at NewMoneyHabits.com

Join the New Money Habits Community

• Join our free community and connect with others building healthier money habits

• Become a member starting at $7/month

• Start your 7-day free trial today

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.

Connect With Us
Follow @newmoneyhabits on social media for more insights, tools, and updates.

In this episode of The New Money Habits Podcast, Coach Nino Villa and Maria Casillas explore something most people don’t immediately connect:

The relationship between clutter and your money.

We tend to think of clutter as a physical problem — too much stuff, not enough space — but it often shows up the same way in our finances. Accounts spread out, decisions delayed, things sitting in the background longer than they should.

And over time, that lack of clarity starts to compound.

In this conversation, Nino and Maria walk through what it actually looks like to “clean up” your finances — not by doing everything at once, but by starting to see things more clearly.

They talk about how clutter affects your mental energy, how disorganization carries over into money decisions, and why small steps toward clarity tend to create more momentum than big, overwhelming plans.

You’ll also hear practical ways to:

• identify where financial clutter is showing up
• simplify your financial picture
• manage your time and attention more intentionally
• help the next generation build better habits early

If things have felt scattered, unclear, or heavier than they should, this episode will help you start making sense of it — one step at a time.

Learn more at NewMoneyHabits.com

Join the New Money Habits Community

• Join our free community and connect with others building healthier money habits

• Become a member starting at $7/month

• Start your 7-day free trial today

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.

Connect With Us
Follow @newmoneyhabits on social media for more insights, tools, and updates.