Organize Your Money With Theresa

How We Paid Off $47,000 Together: A Faith-Based Debt-Free Roadmap for Couples

Tue, 25 Nov 2025 12:00:41 GMT

What if the biggest threat to your marriage isn’t your in-laws or your past but your debt? In this episode of Her Money with Reese, we get real about how debt became the “third person” in our marriage causing constant stress, sleepless nights, and arguments over every dollar. But once we decided to fight the real enemy together, everything changed.

Today, I’m walking you through the exact three-step roadmap that helped my husband and me pay off $47,000 in just 22 months while growing closer, not further apart.

You’ll learn: ✅ The truth about debt snowball vs. avalanche — and how to choose the best one for your marriage ✅ Smart ways to lower your interest rates and pay off debt faster ✅ How to budget as a team (and still enjoy guilt-free spending money) ✅ Why automating payments and having “no-questions-asked” money can save your relationship ✅ Plus, two bonus strategies that can accelerate your journey

If money fights have drained your peace, this episode will give you practical steps — and renewed hope. You and your spouse can become debt-free, unified, and confident again.

If this episode encouraged you, please share it with another wife or couple who’s fighting the same battle. Subscribe for weekly faith-and-finance conversations that help you manage well what God has entrusted together.

Then come join our private community for weekly support: https://www.facebook.com/share/g/16296epAAS/

And don’t forget to grab your free guide: https://hermoneywithreese.com/the-10-minute-budget-reset-322971

From Paycheck Panic to Peace: 3 Faith Based Goals That Transformed Our Finances

Tue, 18 Nov 2025 12:00:54 GMT

Ever felt like your bank account is playing a cruel game of hide and seek with your next deposit? You’re not alone. Many women secretly fear running out of cash before payday but it doesn’t have to stay that way.

In this powerful episode of Her Money with Reese, I share the three faith-based financial goals that took my family from just $50 in our checking account to financial peace and generosity. No complicated systems just Scripture, stewardship, and a simple plan that works.

You’ll discover: ✅ How to trust God first and give without fear ✅ The power of a zero-based budget (and how to make it feel freeing, not restrictive) ✅ Why a small $500 “baby emergency fund” can completely change your money confidence

If you’ve been praying for a financial breakthrough, this episode will remind you — God isn’t trying to take your money from you; He’s trying to break the grip money has on you.

If this episode encouraged you, share it with another woman who’s tired of living paycheck to paycheck. Subscribe for weekly faith-and-finance conversations to help you steward well what God has entrusted.

Then come join our private community for weekly support: https://www.facebook.com/share/g/16296epAAS/

And don’t forget to grab your free guide: https://hermoneywithreese.com/the-10-minute-budget-reset-322971

Breaking Free from Financial Shame: 7 Steps to Heal Your Money Story

Tue, 11 Nov 2025 12:00:36 GMT

Ever looked at your bank account and felt that gut punch of guilt and shame? You’re not alone. In this episode of Her Money with Reese, we’re breaking the silence on financial shame; what it is, how it keeps you stuck, and seven powerful ways to finally break free.

You’ll learn how to rewrite your money story, face your finances with courage, and rebuild your confidence one step at a time. Your debt doesn’t define you and shame has no place in your financial journey.

Join our private community for weekly support: Financially Fearless Wives and Download your free guide: The 10-Minute Budget Reset

Together, we’ll rebuild your confidence, restore peace with money, and walk in the freedom God designed for you.

5 Daily Habits for Financial Peace (Faith-Based Money Routine for Women)

Thu, 07 May 2026 11:00:00 GMT

You make too much money to still feel this stressed and unsure where it’s going. If you’re a busy professional woman who looks successful on the outside but feels financial pressure on the inside this episode is for you.

In today’s episode of Organize Your Money with Theresa I’m walking you through 5 powerful daily habits rooted in biblical stewardship that will help you organize your money, stop emotional spending, and finally experience financial peace.

These are not complicated systems or overwhelming budgets. These are simple, practical routines you can start today to bring clarity, discipline, and alignment between your faith and your finances.

If you’re ready to stop the cycle of stress and start building a life of peace, structure, and intentional money management this is your next step.

Download my Free guide: 10-Minute Budget Reset https://hermoneywithreese.com/the-10-minute-budget-reset-322971

Buy Property Before Marriage? The Financial Truth That Could Change Your Future

Thu, 30 Apr 2026 11:00:00 GMT

Real estate before marriage, financial independence, and building wealth are not just smart ideas

they can completely change your future. In this powerful episode of Bartelle’s Money Talk, we sit down with real estate investor and author Alex E. Edwards to uncover why getting your finances together before marriage is one of the most important decisions you can make.

If you’ve ever wondered how to build wealth through real estate, avoid financial stress in marriage, or create long-term financial security, this conversation will open your eyes. Alex shares practical strategies on buying property before marriage, using FHA loans and down payment assistance programs, and how owning multiple properties can reduce financial conflict and create lasting stability.

We also dive into real conversations about money and relationships—why finances are one of the top reasons for divorce, how financial independence protects women, and the importance of transparency, credit awareness, and planning before saying “I do.” This episode will challenge the way you think about love, money, and marriage.

You’ll learn how to use real estate as a wealth-building tool, how to manage debt wisely, and why having a financial plan before marriage can lead to a stronger, more peaceful relationship. Alex also breaks down powerful concepts like prenups as protection, using life insurance to cover debt, and how even government programs can help you get started in real estate sooner than you think.

If you’re serious about organizing your money, building wealth, and creating a life of financial clarity and peace, this episode is for you.

🎯 Ready to take your next step? If you want personal direction with your finances, click the link below to learn more about a Financial Clarity Consultation.

For individuals: https://hermoneywithreese.com/financial-clarity-consultation--individual

You Make Too Much Money to Feel Broke

Thu, 23 Apr 2026 11:00:00 GMT

You make too much money to still feel this stressed, confused, and unsure where it all went and if you’re honest, it’s starting to feel frustrating, exhausting, and even a little discouraging.

In this episode, I’m breaking down the truth most women never hear: this is not an income problem it’s an organization problem. Your money isn’t missing… it just doesn’t have a plan.

I am Theresa, Certified Financial Coach, Certified YNAB Coach, and Motivational Financial Speaker, and my mission is to help women go from financial chaos to true financial clarity without shame, without pressure, and without needing to earn more money first.

If you are a woman who pays her bills, makes good money, and still finds herself wondering “where did it all go?” this episode will show you exactly why that’s happening and how to fix it starting today.

We walk through the powerful, practical system of zero-based budgeting (giving every dollar a job) so you can stop living paycheck to paycheck, eliminate financial stress, and finally feel in control of your money.

This is not just about budgeting it’s about biblical stewardship. God has entrusted you with resources, and learning to manage them well is an act of obedience, discipline, and faith.

In this episode, you’ll learn:

Why making more money is NOT the solution to feeling broke
The real reason your paycheck disappears every month
How small, unnoticed spending habits are draining your finances
How to use a simple, proven system to organize your money
What it means to “give every dollar a job” using the YNAB method
How to begin breaking the paycheck-to-paycheck cycle for good
Biblical principles of stewardship that bring peace and clarity

Scripture reminds us in Luke 16:10 that if we are faithful over little, we will be trusted with much. Financial clarity doesn’t start when you make more it starts when you manage what you already have.

🎯 Your next step (don’t skip this): In the next 24 hours, download the YNAB app and begin assigning every dollar you currently have a job. This one step can completely change the way you experience money.

You are not bad with money. You’ve just never been shown a system that works.

It’s time to organize your money, steward it well, and finally walk in financial peace.

📥 Download my free guide: 10-Minute Budget Reset https://hermoneywithreese.com/the-10-minute-budget-reset-322971

📘 Read my book: Living Within Your Means: Embracing Financial Reality Living Within Your Means: Embracing Financial Reality: Bartelle, Theresa: 9798320052342: Amazon.com : Books

💬 Work with me one-on-one via Zoom If you’re looking for clarity, direction, and a calm plan for your finances, I offer Financial Clarity Consultations designed to meet you exactly where you are.

• For Individuals: https://hermoneywithreese.com/financial-clarity-consultation--individual

How to Organize Your Paycheck and Stop Wondering Where Your Money Went

Thu, 16 Apr 2026 11:00:00 GMT

If you're managing your money on your own and your paycheck hits your account, but you still feel unsure what you're actually supposed to do with it, this episode is for you. The stress you're feeling likely isn’t about how much money you make, it’s about not having a clear plan for your paycheck.

In this episode, I walk you through a simple and powerful way to organize your paycheck so your money stops disappearing and starts working with purpose. You’ll learn how to break your paycheck into four clear categories: living expenses, lifestyle spending, financial protection, and future building.

We’ll talk about why money feels chaotic when it doesn’t have direction, how small spending habits quietly drain your account, and how to begin making simple adjustments that build confidence over time. This is not about perfection; it’s about giving your money a plan so you can finally feel organized and in control.

If you’ve ever asked yourself, “Where did my money go? This conversation will help you answer that question and give you a practical next step you can take with your very next paycheck.

Download my Free guide: 10-Minute Budget Reset - https://hermoneywithreese.com/the-10-minute-budget-reset-322971

5 Money Mistakes Women Making Good Money Still Make (And How to Fix Them)

Sat, 11 Apr 2026 05:14:25 GMT

Money mistakes, budgeting mistakes, saving vs investing, and financial stress are common even for women who make good money.

If you’ve ever looked at your bank account and wondered, “Where did all my money go?” this episode is for you.

In this episode of Her Money with Reese, certified financial coach and certified YNAB coach Theresa “Reese” Bartelle breaks down the 5 biggest money mistakes high-earning women make and how to fix them with simple, practical strategies.

Many successful women are doing everything right on paper, earning a good income, paying bills, and managing responsibilities, but still feel financially scattered, overwhelmed, or behind.

This episode uncovers why.

You’ll learn:

• Why not having a budget leads to income leakage and lifestyle inflation • The difference between saving vs investing and why it matters for long-term wealth • How bad debt quietly drains your income without a clear payoff plan • Why trying to handle your finances alone can slow your progress • The importance of having a long-term financial roadmap and emergency fund

These are not personal failures; they are strategic mistakes, and each one has a clear solution you can start today.

Financial clarity doesn’t come from working harder it comes from having a system.

If you are a woman who earns good money but still feels financially disorganized, this episode will help you move from financial chaos to financial control with confidence and clarity.

How to Save Money on a Low Income (10 Practical Strategies That Actually Work)

Thu, 02 Apr 2026 11:00:00 GMT

If you’re living on a low income and feel like your money disappears before you can get ahead, this episode is for you. You don’t need more income first you need a better plan for the money you already have.

In this episode of Her Money with Reese, I walk you through practical, real-life strategies to help you take control of your finances without needing to earn more money first. This is not about perfection it’s about progress and making small, consistent decisions that create real financial stability.

We’ll talk through simple but powerful habits that can help you reduce expenses, stop overspending, and finally create breathing room in your budget. From grocery store strategies and no-spend challenges to cutting subscriptions and turning clutter into cash, these are everyday tools you can start using immediately.

You’ll also learn how to identify money leaks, prioritize saving, and shift your mindset so you can manage your money with confidence no matter your income level.

If you’ve ever wondered where your money is going or how to make it stretch further, this episode will give you the clarity and direction you’ve been looking for.

If you’re ready for personalized help organizing your finances, you can book a Financial Clarity Session with me using the link below. During our session, we’ll walk through your numbers together and create a clear plan for your money.

Book your session here: https://hermoneywithreese.com/financial-clarity-consultation--individual

Download your free 10-Minute Budget Reset Guide: https://hermoneywithreese.com/the-10-minute-budget-reset-322971

He Hid $100,000 in Debt Before Marriage: The Truth About Financial Infidelity

Thu, 26 Mar 2026 11:00:00 GMT

Financial infidelity, hidden debt in marriage, and secret credit card debt are destroying relationships today. Many couples discover too late that one partner has been hiding massive financial obligations before or during marriage.

What would you do if you discovered your husband had been hiding six-figure debt from you?

Financial betrayal inside a marriage is more common than most couples realize. Secret loans, undisclosed credit cards, and hidden debt can quietly grow for years before the truth finally comes out.

In this episode of Her Money with Reese, certified financial coach and certified YNAB coach Theresa “Reese” Bartelle discusses the painful reality of financial infidelity and the devastating moment when a wife discovers hidden debt.

You’ll learn:

• What financial infidelity really is • The warning signs a husband may be hiding debt • Why secret credit cards and loans spiral into massive balances • The one question every woman must ask before marriage about debt • How hidden debt impacts credit scores, mortgage approvals, and financial stability • Practical steps couples can take to rebuild trust and recover financially

Money problems are consistently ranked among the top causes of divorce, yet many couples never talk honestly about debt before marriage.

Financial transparency is not just about budgeting. It’s about trust, honesty, and building a life together on truth instead of secrecy.

If you are dating, engaged, newly married, or rebuilding trust after financial betrayal, this episode will help you understand why open conversations about debt and finances are essential for a healthy marriage.

Because love should never be built on secrets.

If you’re ready to take your next step toward peace and clarity with your money, here are a few ways I can support you:

📥 Download my free guide: 10-Minute Budget Reset https://hermoneywithreese.com/the-10-minute-budget-reset-322971

📘 Read my book: Living Within Your Means: Embracing Financial Reality https://www.amazon.com/dp/9798320052342

• For Individuals: https://hermoneywithreese.com/financial-clarity-consultation--individual

• For Couples: https://hermoneywithreese.com/financial-clarity-consultation-couple

Grab your free short scripture guide to help you pause, calm fear, and anchor your heart in God’s truth during a financial crisis https://hermoneywithreese.com/financial-emergency-scripture-anchor-5656

Why Your Budget Builds More Wealth Than the Stock Market

Thu, 19 Mar 2026 11:00:00 GMT

If you’ve been told that the secret to building wealth is learning how to pick the right stocks or perfectly time the market, you’ve been told a lie.

In this episode of Her Money with Reese, financial coach Theresa “Reese” Bartelle explains why true financial power does not come from predicting the stock market. Real wealth begins with something much simpler and much more powerful your budget.

Many women believe they must become investing experts to build wealth. They feel pressure to find the perfect stock, predict market crashes, or chase financial trends. But this constant pursuit often leads to anxiety, decision fatigue, and financial confusion.

Instead of trying to control the unpredictable stock market, Reese teaches why focusing on what you can control your income, your spending, and your debt is the real key to financial freedom.

📥 Download my free guide: 10-Minute Budget Reset https://hermoneywithreese.com/the-10-minute-budget-reset-322971

📘 Read my book: Living Within Your Means: Embracing Financial Reality https://www.amazon.com/dp/9798320052342

• For Individuals: https://hermoneywithreese.com/financial-clarity-consultation--individual

• For Couples: https://hermoneywithreese.com/financial-clarity-consultation-couple

The Faith & Finance Blueprint.pdf

Why Women Making $85K Still Feel Broke (5 Biblical Money Principles)

Thu, 12 Mar 2026 11:00:00 GMT

If you earn a good income but still feel financially stuck, you are not alone.

Many professional women making $85,000 or more per year feel confused about where their money is going. On paper everything looks successful the career, the home, the salary but inside there is still financial stress, uncertainty, and the quiet question: “Why am I not getting ahead?”

In this episode of Her Money with Reese, certified financial coach and certified YNAB coach Theresa “Reese” Bartelle shares five powerful biblical money principles that can completely transform the way you manage money.

Instead of following the world’s financial advice, we’re looking at what the Bible actually says about saving, debt, wealth, generosity, and financial peace.

You’ll discover:

• Why high earners often become expert spenders but amateur savers • The surprising wisdom of Proverbs 21:20 about building wealth • Why tithing first changes your financial mindset (Proverbs 3:9–10) • The powerful warning about debt as financial slavery (Proverbs 22:7) • The discipline lesson from the ant and proactive wealth building (Proverbs 6:6–8) • The ultimate cure for financial anxiety through trust in God’s provision (Philippians 4:19)

Mastering your finances is not just about spreadsheets and budgeting apps. It’s about aligning your heart, habits, and money with God’s wisdom.

If you are a successful woman who feels like she should be further ahead financially, this episode will help you move from financial stress to financial peace through biblical stewardship.

If you’re ready to take your next step toward peace and clarity with your money, here are a few ways I can support you:

📥 Download my free guide: 10-Minute Budget Reset https://hermoneywithreese.com/the-10-minute-budget-reset-322971

📘 Read my book: Living Within Your Means: Embracing Financial Reality https://www.amazon.com/dp/9798320052342

• For Individuals: https://hermoneywithreese.com/financial-clarity-consultation--individual

• For Couples: https://hermoneywithreese.com/financial-clarity-consultation-couple

_The Faith & Finance Blueprint.pdf

Fix Your Money: How to Stop Living Paycheck to Paycheck and Finally Build Peace

Thu, 05 Mar 2026 12:00:00 GMT

If you’re tired of living paycheck to paycheck even though you make good money, then this episode is for you.

In today’s conversation, we’re talking about why your money seems to disappear every month, why traditional budgeting advice often fails women, and how to finally build financial peace without shame, guilt, or overwhelm.

I’m Theresa “Reese” Bartelle, a certified financial coach and certified YNAB coach, and I help Christian women steward well what God has entrusted to them. If you feel like you should be further ahead financially, but you don’t know where your money is going, you are not alone and you are not bad with money.

In this episode, you’ll learn:

• Why living paycheck to paycheck is not a discipline problem • The real reason your budget hasn’t worked before • How to take control of your cash flow in a simple, sustainable way • The biblical mindset shifts that changes everything • A practical next step you can take in the next 24 hours

Debt steals options. Stewardship restores freedom.

If you’re ready to stop guessing and start managing your money with clarity and confidence, this episode will give you the direction you’ve been praying for.

You don’t have to stay stuck. Peace is possible.

If you’re ready to take your next step toward peace and clarity with your money, here are a few ways I can support you:

📥 Download my free guide: 10-Minute Budget Reset https://hermoneywithreese.com/the-10-minute-budget-reset-322971

📘 Read my book: Living Within Your Means: Embracing Financial Reality https://www.amazon.com/dp/9798320052342

• For Individuals: https://hermoneywithreese.com/financial-clarity-consultation--individual

• For Couples: https://hermoneywithreese.com/financial-clarity-consultation-couple

You don’t have to figure this out alone. Clarity brings peace and I would be honored to walk with you.

Fix Your Money: From Paycheck to Paycheck to Financial Peace

Thu, 26 Feb 2026 12:00:00 GMT

Have you ever laid awake at night staring at the ceiling, running the numbers in your head, hoping your paycheck stretches far enough? If you’re living paycheck to paycheck, overwhelmed by debt, and quietly carrying financial anxiety, this episode is for you.

In this powerful and transparent introduction, Certified YNAB Coach and Certified Financial Coach Theresa “Reese” Bartelle shares her personal story of going from financial confusion and consumer debt to clarity and peace. From financing a used washer and dryer to believing “good credit” was the answer, Theresa explains the truth no one taught us: good credit with no money is just debt waiting to happen.

If you’re searching for budgeting help, financial clarity, debt freedom, retirement planning, or a way to finally live within your means, this episode will give you direction without shame or overwhelm.

You’ll learn:

Why good credit doesn’t equal financial stability
The danger of living paycheck to paycheck
How debt quietly steals your dignity and peace
Why financial clarity matters more than financial hype
The first step toward building financial freedom

Theresa also shares how her Financial Clarity Consultation helps single women and married couples understand where they are, what needs to change, and what their next step should be without pressure or long-term commitment.

If you’re ready to take your next step toward peace and clarity with your money, here are a few ways I can support you:

📥 Download my free guide: 10-Minute Budget Reset https://hermoneywithreese.com/the-10-minute-budget-reset-322971

📘 Read my book: Living Within Your Means: Embracing Financial Reality https://www.amazon.com/dp/9798320052342

• For Individuals: https://hermoneywithreese.com/financial-clarity-consultation--individual

• For Couples: https://hermoneywithreese.com/financial-clarity-consultation-couple

You are not behind. You are not broken. You are not bad with money. You simply need clarity.

A Prayer for Financial Peace When Money Feels Heavy

Mon, 23 Feb 2026 12:00:00 GMT

My friend, this prayer is for the woman who feels the weight of money even in the quiet moments. The one who lays awake at night running the numbers, feeling the panic rise, wondering how she’s going to make it all work.

In this prayer, we pause together and bring that fear, that exhaustion, and that pressure to God. We pray for the woman who smiles on the outside but carries stress on the inside. The woman who feels ashamed for not being further along. The woman who worries that one more emergency could take her under.

This is a prayer for peace of mind, clarity, and gentle courage. A reminder that you are not behind, you are not broken, and you are not disqualified from a new beginning.

We pray for God to quiet racing thoughts, lift financial shame, and replace fear with wisdom. We declare that stewardship is not punishment it is protection. That discipline is not harsh it is love. And that peace does not come from more money, but from walking with God in truth and structure.

If you are tired of paycheck-to-paycheck living, overwhelmed by debt, or afraid to even look at your finances, this prayer is for you.

Your current situation does not define your future. God is a God of restoration. He sees every detail of your life including your finances and He cares.

Take a breath. Receive His peace.

Amen.

Break the Generational Money Curse: Build Wealth That Lasts

Thu, 19 Feb 2026 12:00:00 GMT

For generations, it may have felt like financial struggle was your family’s inheritance. But what if you were born to break the cycle and build generational wealth that lasts?

In today’s episode of Her Money with Reese, we’re talking about breaking generational poverty, ending paycheck-to-paycheck living, and building lasting wealth through biblical stewardship, intentional budgeting, and disciplined action.

A 20-year study by the The Williams Group found that 70% of wealthy families lose their wealth by the second generation and 90% lose it by the third. The issue wasn’t bad investments. It was a breakdown in trust, communication, and financial education.

If you grew up hearing “we can’t afford that,” if debt and financial anxiety shaped your early beliefs, you may have inherited more than habits — you may have inherited a mindset. The good news? Anything learned can be unlearned.

In this episode, I share:

• 3 spiritual keys to shift from scarcity to abundance • How to change your financial identity • Why forgiveness frees you to build differently • How to create a zero-based budget • A simple plan to eliminate high-interest debt • How to automate savings and investing • Why teaching your children about money is the key to lasting legacy

This is not just about becoming a millionaire. It’s about becoming the cycle breaker in your family.

The chain is broken. The cycle ends with you.

If you’re ready to take your next step toward peace and clarity with your money, here are a few ways I can support you:

📥 Download my free guide: 10-Minute Budget Reset https://hermoneywithreese.com/the-10-minute-budget-reset-322971

📘 Read my book: Living Within Your Means: Embracing Financial Reality https://www.amazon.com/dp/9798320052342

• For Individuals: https://hermoneywithreese.com/financial-clarity-consultation--individual

• For Couples: https://hermoneywithreese.com/financial-clarity-consultation-couple

God bless you on your financial journey.

Prayer to Break Generational Financial Curses | The Cycle Stops With You

Mon, 16 Feb 2026 12:00:00 GMT

Hi friend. This prayer is for the woman who is tired of seeing the same struggles repeat in her family the same financial stress, the same lack, the same fear passed down generation after generation.

This is a prayer for breaking generational curses, restoring wisdom, and declaring that it stops with you.

In this prayer, I lift up the sister who feels like she can never quite get ahead… the one who has watched paycheck-to-paycheck living, debt, anxiety, and scarcity pass through her family line like an inheritance.

We pray boldly for God to break financial bondage, uproot generational lies, renew her mind, and replace fear with clarity and peace. We declare that she is not cursed by lack but called to stewardship, called to lead, and called to change her entire family tree.

This is a prayer for discipline, wisdom, and order. A prayer to give every dollar a purpose, to build stability little by little, and to stay consistent even when progress feels slow.

If you’ve ever felt the weight of being the one who has to change things… this prayer is for you.

You are not stuck. You are not behind beyond repair. You are the cycle breaker. You are the beginning of generational wealth.

If this prayer spoke to you, I invite you to respond from identity not emotion. Let this be the moment where fear stops and wisdom begins.

Amen.

Why Traditional Budgets Fail: How YNAB Helps You Break the Paycheck-to-Paycheck Cycle Without Guil

Thu, 12 Feb 2026 12:00:00 GMT

Have you tried the 50-30-20 rule, the envelope system, or every budgeting app only to feel like you keep failing? If so, this episode is for you.

In this episode, Theresa “Reese” Bartelle, Certified YNAB Coach and Certified Financial Coach, shares why traditional budgeting methods often don’t work for real people and why the problem was never you. After years of living paycheck to paycheck, managing household finances alone, and feeling constant guilt and anxiety around money, Reese discovered that most budgeting systems fail because they work against human psychology.

You’ll learn why rigid rules, restriction, and perfectionism create burnout, conflict, and shame—especially in marriage and how scarcity mindset, all-or-nothing thinking, and fear sabotage even the best intentions. Reese explains how the YNAB method (You Need A Budget) addresses these root issues by focusing on mindset first, then structure.

In this episode, Reese breaks down the four YNAB rules in a practical, real-life way: • Give every dollar a job • Embrace your true expenses • Roll with the punches • Age your money

You’ll hear how these rules transform budgeting from a punishment into a flexible, empowering plan one that helps couples communicate better, reduce financial anxiety, and finally escape the paycheck-to-paycheck cycle.

Reese also shares a simple 3-step action plan you can start today to regain control of your money, build confidence, and move toward abundance without guilt or shame.

If you’ve ever believed you were “bad with money,” this episode will help you see the truth: budgeting isn’t about willpower it’s about using the right method with the right mindset.

📌 Next Steps: • Start YNAB’s free trial • Schedule a guided YNAB setup with Reese for accountability and extra support • Email: theresa@bartellescoaching.com

You are not bad with money. You just needed a system that works with you—not against you.

If you’re ready to take your next step toward peace and clarity with your money, here are a few ways I can support you:

📥 Download my free guide: 10-Minute Budget Reset https://hermoneywithreese.com/the-10-minute-budget-reset-322971

📘 Read my book: Living Within Your Means: Embracing Financial Reality https://www.amazon.com/dp/9798320052342

• For Individuals: https://hermoneywithreese.com/financial-clarity-consultation--individual

• For Couples: https://hermoneywithreese.com/financial-clarity-consultation-couple

You don’t have to figure this out alone. Clarity brings peace and I would be honored to walk with you.

You Are Not Bad With Money: A Prayer for Peace, Clarity, and Financial Stewardship

Mon, 09 Feb 2026 12:00:00 GMT

If you’ve tried every budgeting method—the 50/30/20 rule, the envelope system, multiple apps—and you still feel like you keep failing, this prayer is for you. You are not bad with money. You are not broken. And you are not alone.

In this episode of Her Money with Reese, I’m praying for the woman who is tired of starting over, tired of feeling discouraged when she looks at her bank account, and tired of believing the lie that something is wrong with her. This prayer speaks directly against shame, guilt, fear, and scarcity and asks God for peace, wisdom, and a fresh start that fits real life.

We pray for clarity instead of confusion, stewardship instead of shame, and progress instead of perfection. We also pray for unity in marriage, calm money conversations, and a budget that becomes a tool for peace not pressure.

If this prayer encouraged you, make sure you subscribe so you don’t miss the next episode. In the next video and podcast, I’ll share the method that helped my husband and me finally stick to a budget without guilt, stress, or constantly starting over.

If you’re ready to take your next step toward peace and clarity with your money, here are a few ways I can support you:

📥 Download my free guide: 10-Minute Budget Reset https://hermoneywithreese.com/the-10-minute-budget-reset-322971

📘 Read my book: Living Within Your Means: Embracing Financial Reality https://www.amazon.com/dp/9798320052342

• For Individuals: https://hermoneywithreese.com/financial-clarity-consultation--individual

• For Couples: https://hermoneywithreese.com/financial-clarity-consultation-couple

You don’t have to figure this out alone. Clarity brings peace and I would be honored to walk with you.

Financial Crisis Survival: A Biblical Roadmap for Peace, Provision, and a Crisis Budget

Thu, 05 Feb 2026 12:00:00 GMT

Maybe it’s a phone call, a letter, or a diagnosis and suddenly your finances feel like they’re falling apart. In this episode, I’m walking you through a biblical roadmap for what to do next so you can breathe again and move with wisdom does not panic.

Hey sis, before you make one frantic decision, I need you to hear this: God has not forgotten you. This moment might feel like an ending, but biblically it can be a turning point a moment where you stop relying on uncertain strength and start relying on God’s certainty.

Inside this episode, we walk step-by-step through what to do when a financial crisis hits:

Acknowledge God as your Source (not your job, savings, or investments) and shift from ownership to stewardship.
Seek wisdom first through prayer and godly counsel, so panic doesn’t lead your decisions.
Create a crisis budget that protects your essentials first (food, utilities, shelter, transportation).
Avoid the debt trap and resist fear-based borrowing that creates long-term bondage.
Work diligently in faith, trusting God with the results while you take wise action.
Cultivate contentment and generosity, even in tight seasons because God’s economy is different from the world’s.

If you’re in the middle of a storm, this is for you. You’re not alone and you don’t have to navigate this with fear. You can walk through it with faith, structure, and peace.

If you’re ready to take your next step toward peace and clarity with your money, here are a few ways I can support you:

📥 Download my free guide: 10-Minute Budget Reset https://hermoneywithreese.com/the-10-minute-budget-reset-322971

📘 Read my book: Living Within Your Means: Embracing Financial Reality https://www.amazon.com/dp/9798320052342

• For Individuals: https://hermoneywithreese.com/financial-clarity-consultation--individual

• For Couples: https://hermoneywithreese.com/financial-clarity-consultation-couple

You don’t have to figure this out alone. Clarity brings peace and I would be honored to walk with you.

A Prayer for Financial Crisis: Peace, Provision, and Your Next Step

Mon, 02 Feb 2026 12:00:00 GMT

Fear is loud when a financial crisis hits but you don’t have to carry this alone. Press pause, take a deep breath, and let’s pray for peace, provision, and clear direction.

When a financial crisis hit an unexpected bill, a scary phone call, a medical situation, or sudden loss fear can take over fast. In this prayer episode of Her Money with Reese, I’m praying directly for you: for peace in your mind, calm in your body, and wisdom for the next step—just the next step.

We’re coming against panic, shame, and fear-based decisions and asking God for provision that comes with peace, not pressure. This prayer is for the woman who feels overwhelmed, afraid, and unsure how she’ll make it through. You’ll also be reminded that your identity is not tied to your bank account your worth was settled at the cross.

If this prayer encouraged you, subscribe so you don’t miss the next episode, where I’ll walk you through a biblical roadmap and practical steps to help you move through a financial crisis with clarity and confidence.

If you’re ready to take your next step toward peace and clarity with your money, here are a few ways I can support you:

📥 Download my free guide: 10-Minute Budget Reset https://hermoneywithreese.com/the-10-minute-budget-reset-322971

📘 Read my book: Living Within Your Means: Embracing Financial Reality https://www.amazon.com/dp/9798320052342

• For Individuals: https://hermoneywithreese.com/financial-clarity-consultation--individual

• For Couples: https://hermoneywithreese.com/financial-clarity-consultation-couple

Grab your free short scripture guide to help you pause, calm fear, and anchor your heart in God’s truth during a financial crisis. https://hermoneywithreese.com/financial-emergency-scripture-anchor-5656

You don’t have to figure this out alone. Clarity brings peace and I would be honored to walk with you.

Stop Overspending on Amazon: 5 Steps to Cut Your Purchases by 70%

Thu, 29 Jan 2026 12:00:00 GMT

Stop Overspending on Amazon: 5 Steps to Cut Your Purchases by 70%

Amazon isn’t “just convenient” it can quietly drain your budget one brown box at a time. In this episode, I’ll walk you through my 5-step system to cut Amazon spending by over 70% and take back your financial peace.

Hello my friend—I'm Theresa (Reese), a Certified Financial Coach and Certified YNAB Coach. In this episode, I’m sharing the exact 5-step system I used after a painful look at my Amazon order history because overspending doesn’t usually come from being “bad with money.” It comes from habits, convenience, and impulse spending that adds up fast.

In this episode, you’ll learn how to:

Do a Brutal Truth Audit of your Amazon order history (without shame just clarity)
Use the 30 Day List Rule to stop impulse buys
Shop with a mission, not for entertainment
Turn Amazon into a savings tool using Subscribe & Save the right way (bundle essentials + stack coupons)
Protect your budget with a quick Monthly Check In so you don’t overbuy or overpay

Action step: Choose one of the five steps and do it today your future self will thank you.

If this episode helped you, subscribe, leave a review, and share it with a friend who needs to stop the “late-night cart” cycle.

Download my Free guide: 10-Minute Budget Reset - https://hermoneywithreese.com/the-10-minute-budget-reset-322971

My quick read living within your reality can be purchased at - Living Within Your Means: Embracing Financial Reality: Bartelle, Theresa: 9798320052342: Amazon.com : Books

Keywords:

Monday Prayer: Clarity and Self-Control Over Spending

Mon, 26 Jan 2026 12:00:00 GMT

Welcome to your Monday prayer. If you’ve been feeling pressure around money and you keep telling yourself “I’m done spending,” but the cart keeps filling back up this prayer is for you.

Today we’re praying for clarity, self-control, and the strength to pause before you purchase. We’re asking God for a sound mind, peace over emotional spending, and discipline that feels like protection not punishment.

This prayer is for the woman who isn’t spending because she’s careless… she’s spending because she’s tired, overwhelmed, and trying to keep life running. If shopping has become a form of relief, this is your moment to breathe and come back to God for wisdom and grace.

Come back Thursday I’m sharing a simple tool to stop Amazon from draining your money without willpower and without shame. You’re going to learn how to pause, set a lane, and take your peace back.

Download my Free guide: 10-Minute Budget Reset - https://hermoneywithreese.com/the-10-minute-budget-reset-322971

My quick read living within your reality can be purchased at: Living Within Your Means: Embracing Financial Reality: Bartelle, Theresa: 9798320052342: Amazon.com : Books

Discipline Is Protection: How to Build Peace With Money (Biblical Stewardship)

Thu, 22 Jan 2026 12:00:00 GMT

Discipline isn’t punishment it’s protection. In today’s episode, Theresa “Reese” Bartelle (Certified Financial Coach + Certified YNAB Coach) shares how Christian women can stop chasing peace through “more money” and start building peace through order, boundaries, and consistent stewardship.

If you’ve been tired, overwhelmed, or stuck in emotional spending cycles, this message will help you reframe discipline as love in action not guilt, not pressure. We’ll talk about why peace is built through diligence, why budgeting is direction (not restriction), and how creating “walls” like a budget and a starter emergency fund can keep peace in and chaos out.

✨ In this episode you’ll learn:

Why peace doesn’t come from avoiding money it comes from order
How discipline helps you stop letting emotions run your spending
Why budgeting is protection, not punishment
The “walls” every woman needs: budget + savings + consistency
How to start small and stay faithful without burnout

Join the private Facebook group: Financially Fearless Wives ( https://www.facebook.com/share/g/16296epAAS/ )

Download the free Budget Reset: (https://hermoneywithreese.com/the-10-minute-budget-reset-322971)

Monday Prayer for Discipline & Financial Peace

Mon, 19 Jan 2026 12:00:00 GMT

Start your week with a powerful Monday prayer for steady strength, discipline, and peace with money. If you’ve been trying to build new habits, stay consistent, and stop letting emotions lead your spending, this prayer will bless you. We’re asking God to order our thinking, priorities, and financial decisions—helping us say “no” with wisdom, release perfection, and walk in clarity and freedom through biblical stewardship.

Download my Free guide: 10-Minute Budget Reset - https://hermoneywithreese.com/the-10-minute-budget-reset-322971

God Can’t Bless What You Ignore: Why Avoiding Your Money Keeps You Stuck

Thu, 15 Jan 2026 12:00:00 GMT

Many women don’t avoid their finances because they are irresponsible, they avoid them because money feels emotional, heavy, and tied to fear or shame. In this episode of Her Money with Reese, Certified Financial Coach Theresa “Reese” Bartelle gently walks you through why avoidance keeps you stuck spiritually and practically, and how biblical stewardship begins with awareness, not perfection.

Grounded in Proverbs 27:23 and Romans 8:1, this conversation reframes money from a source of fear to an invitation for peace. Reese explains why ignoring your money doesn’t protect you from stress it quietly multiplies it and how God calls us to engage with what He has entrusted to us.

This episode offers encouragement, truth, and one simple assignment to help you move from avoidance to clarity without shame, guilt, or overwhelm. Peace doesn’t begin with fixing everything it begins with looking.

Subscribe to Her Money with Reese and Share this episode with a woman who needs permission to look.

Download the free 10-Minute Budget Reset - https://hermoneywithreese.com/the-10-minute-budget-reset-322971 to move from avoidance to clarity

Join our private community for support and encouragement- https://hermoneywithreese.com/the-10-minute-budget-reset-322971. Need help? Email me directly at theresa@bartellescoaching.com

Monday Prayer: Choosing Clarity Over Confusion

Mon, 12 Jan 2026 12:00:00 GMT

In today’s Monday prayer, we pause and ask God for clarity the kind that doesn’t overwhelm or rush us but brings peace.

This prayer is for the woman who isn’t careless with money she’s tired. For the woman who has avoided looking because confusion felt safer than truth. For the woman who loves God but feels anxious, foggy, or unsure when it comes to her finances.

Together, we release fear, shame, and avoidance and invite God into our financial decisions step by step. We declare that clarity is not condemnation. Looking is not failing. Truth is not our enemy.

If confusion has been present in your finances, this prayer reminds you that peace is available—and God walks with you in every decision.

🎧 Listen, breathe, and reset your heart and your money with God.

Come join our private community for weekly support: https://www.facebook.com/share/g/16296epAAS/

Download my Free guide: 10-Minute Budget Reset - https://hermoneywithreese.com/the-10-minute-budget-reset-322971

No Is Not a Bad Word: Financial Boundaries That Bring Peace

Thu, 08 Jan 2026 12:00:00 GMT

What if the reason your finances haven’t changed isn’t because you don’t make enough money but because you don’t have enough boundaries?

In this powerful episode of Her Money with Reese, Theresa Bartelle speaks directly to the woman who is generous, tired, and quietly overwhelmed. We talk about why saying no is not selfish, why boundaries are not punishment, and how financial peace often begins with one courageous decision.

This conversation goes beyond budgets and numbers and addresses the emotional, spiritual, and practical cost of always saying yes, yes to overspending, yes to avoiding conflict, yes to carrying everyone else while neglecting your own future.

You’ll learn:

Why boundaries are protection, not restriction
How emotional spending is often rooted in exhaustion, not irresponsibility
The hidden cost of always saying yes
Why discipline is direction not deprivation
How small financial boundaries can bring clarity, peace, and confidence

If 2026 is going to look different from 2025, something has to change and this episode will help you identify where to begin.

This is an invitation to steward well what God has entrusted to you, protect your peace, and build a future that aligns with where He is leading you.

Mentioned Resource

Boundaries by Henry Cloud & John Townsend

Come join our private community for weekly support: https://www.facebook.com/share/g/16296epAAS/

Download my Free guide: 10-Minute Budget Reset - https://hermoneywithreese.com/the-10-minute-budget-reset-322971

Before God Gives You More: The Stewardship Test Every Woman Must Pass

Tue, 06 Jan 2026 12:00:00 GMT

In this powerful episode of Her Money with Reese, Theresa Bartelle, Certified Financial Coach and Certified YNAB Coach, shares the spiritual, emotional, and practical requirements God looks for before He elevates, blesses, or increases a woman financially.

Many Christian women are praying for overflow, but God is watching stewardship.

In this episode, you’ll learn:

Why God never gives more to a woman He can’t trust
How order always comes before increase
Why obedience protects what prayer alone cannot
The role honesty plays in financial healing
Why faithfulness in small things leads to promotion
How alignment prevents you from sabotaging your blessing
Why management always comes before miracles
How private habits reveal true readiness for overflow

If you’ve been asking God, When is it my turn, this episode will help you understand that God is not ignoring you. He is preparing you.

This message will encourage you to stay consistent, obedient, and faithful while God shapes you into the woman who can carry what you’ve been praying for—with peace, wisdom, and confidence.

Join the Financially Fearless Wives Community Connect with Christian women learning to steward money God’s way: https://www.facebook.com/share/g/16296epAAS/

📥 Download the 10-Minute Budget Reset Find $250 this month without cutting coffee or sacrificing peace: https://hermoneywithreese.com/the-10-minute-budget-reset-322971

🔔 Subscribe to Her Money with Reese and share this episode with a sister who needs encouragement today.

Monday Prayer: A Reset for Peace, Clarity, and Financial Trust

Mon, 05 Jan 2026 12:00:00 GMT

Before the plans, the goals, and the numbers, this Monday prayer invites you to pause, breathe, and place your finances back into God’s hands.

In this prayer, Theresa Bartelle leads women into a moment of spiritual and emotional reset and releasing guilt, shame, fear, and financial anxiety from the past season. This prayer is for the woman who feels behind, overwhelmed, or uncertain about money, and needs peace, clarity, and renewed trust in God’s process.

As we step into 2026, we declare that this will not be a repeat of past seasons but a year of healing, wisdom, discipline, and financial peace.

🎧 New Monday prayers are released weekly on Her Money with Reese.

2026 Is the Year You Get Out of Debt with a Calm, Faith Led Reset

Thu, 01 Jan 2026 12:00:00 GMT

Debt doesn’t mean you’re failing — it means you’re ready for clarity. In this January 1st episode, Theresa walks you into 2026 with truth, peace, and a clear path forward.

Debt doesn’t just affect your bank account — it affects your peace.

As we begin 2026, many women are carrying quiet financial stress: bills on the table, balances that won’t go down, and the exhausting feeling of working hard without making progress. In this episode of Her Money with Reese, Theresa invites you to pause, breathe, and step into the new year with intention instead of shame.

This is not an episode about resolutions. It’s about decisions.

Theresa shares her own turning point — the moment she stopped avoiding the numbers and chose responsibility over fear — and walks you through how 2026 can become the year you move from financial chaos to clarity.

Inside this episode, you’ll learn:

Why debt is often rooted in survival, not recklessness
How avoidance keeps debt powerful — and clarity takes that power away
Why minimum payments are designed to keep you stuck
The biblical foundation for planning and stewardship
How budgeting restores peace instead of creating restriction
Why every dollar needs an assignment
How to build a starter emergency fund before attacking debt
How to choose a debt strategy you’ll actually stick with

This episode is for Christian women who are tired of feeling behind and ready to walk forward calmly, intentionally, and faithfully.

Scripture referenced: Proverbs 21:5 Luke 14:28 Galatians 6:9

✨ 2026 does not start with shame. ✨ It starts with intention. ✨ And freedom is built one decision at a time.

If this episode spoke to you:

Subscribe to Her Money with Reese
Leave a review to help another woman find peace with her money
Comment or reflect on one expense you’re choosing to cut this month

Let’s walk this year together stone by stone, dollar by dollar.

Podcast: Her Money with Reese Host: Theresa Bartelle Certified Financial Coach and Certified YNAB Coach

This podcast is a safe, faith-friendly space for Christian women who want peace with their money, not guilt, pressure, or confusion.

How Childhood Rejection Shows Up in Your Finances And How God Heals What Money Can’t Fix

Tue, 23 Dec 2025 12:00:00 GMT

What if the money problems you’re facing today aren’t about money at all? What if the real issue started long before your first paycheck back when you were a little girl who felt rejected, overlooked, or unprotected? So many women today are fighting financial battles that began in childhood, and in this powerful episode we talk about how those emotional wounds can quietly shape your spending, your boundaries, your giving, and your entire financial path.

Theresa Bartelle, Certified Financial Coach and Certified YNAB Coach, walks you through the deep connection between emotional triggers and financial behavior and how God brings healing, restoration, and clarity when we invite Him into our financial story.

You’ll learn: How childhood rejection grows up and follows you into your finances, Why overspending, people pleasing, and over giving often come from emotional wounds , The spiritual and emotional roots behind self-sabotage, Five signs childhood rejection may be affecting your money, Five powerful action steps to begin healing and taking control of your finances today

This episode is a gentle, healing reminder that you are not irresponsible you are recovering. And God is restoring the years the locusts have eaten including peace, identity, confidence, and financial stability.

👉 Come join our private community for weekly support: https://www.facebook.com/share/g/16296epAAS/

👉 Download my Free Guide: 10-Minute Budget Reset https://hermoneywithreese.com/the-10-minute-budget-reset-322971

The Secret Burden of Being the Strong One and How It’s Affecting Your Money

Tue, 16 Dec 2025 12:00:00 GMT

My friend… have you ever been so tired that even thinking about money feels heavy? Not because you’re careless but because you’re the strong one, the responsible one, the one everyone depends on.

In this episode, Theresa reveals how emotional and spiritual exhaustion quietly shapes your financial decisions and how God restores your strength, your clarity, and your peace.

So many Christian women are carrying emotional, mental, and spiritual pressure that no one sees—which quietly affects their financial habits. In this powerful message, Theresa breaks down why being the “strong one” can lead to overspending, avoidance, burnout, and survival-mode money choices… and how you can reclaim clarity, peace, and true stewardship.

In this episode, you’ll learn the emotional and spiritual weight strong women carry • Why exhaustion not irresponsibility is driving many money habits, how burnout leads to overspending, avoidance, and inconsistency, why God never intended you to hold all of this alone. Five steps to rebuild your strength and reset your finances, Scriptures to remind you that God sees you, supports you, and strengthens you. How to create a 10-minute daily Strong Woman Reset. How one boundary can restore peace and order in your financial life

This episode is a gentle reminder that you’re not weak you’re tired. And God is inviting you into rest, wisdom, and a fresh start.

Come join our private community for weekly support: https://www.facebook.com/share/g/16296epAAS/

Download my FREE guide, The 10-Minute Budget Reset: https://hermoneywithreese.com/the-10-minute-budget-reset-322971

From Budget Chaos to Calm: 6 Steps Every Christian Wife Needs to Restore Peace at Home

Tue, 09 Dec 2025 12:01:24 GMT

Is your budget constantly in chaos, leaving you overwhelmed, anxious, and carrying the weight of your entire household? In this episode, I share the biblical and practical steps to turn financial confusion into calm, structure, and unity in your marriage.

If you’ve ever felt like every dollar disappears before it even hits the bank, this episode will walk you step by step through praying over your budget, creating a simple system, setting financial priorities, building an emergency “calm cushion,” and communicating with your husband with more peace and less pressure. You don’t have to live in financial chaos. Small steps create big calm.

Come join our private community for weekly support: https://www.facebook.com/share/g/16296epAAS/

Download my Free guide: 10-Minute Budget Reset https://hermoneywithreese.com/the-10-minute-budget-reset-322971

5 Numbers That Reveal If You’re Secretly Poor — Even With a High Income

Tue, 02 Dec 2025 12:01:46 GMT

Most people track their coffee budget and grocery spending, but the truth is, those numbers don’t actually reveal your financial health. In this episode, Theresa breaks down five hidden numbers that truly wealthy people watch closely and why ignoring them keeps so many high earners secretly struggling.

If you want the peace, security, and freedom that money should bring, these are the numbers you must know. Grab a notebook this episode will change how you look at your entire financial life.

In this powerful breakdown, you’ll learn:

The difference between looking rich and being financially secure
Why net worth—not income—is the real scoreboard
How your Freedom Number reveals your true financial stability
The sneaky danger of lifestyle inflation (and how to stop it)
How debt quietly steals your future
Why your real hourly wage will shock you… and may change your job decisions
The mindset shift that moves you from stress to true wealth

If this episode hits home, share it with someone you love and leave a review it helps the show reach more people who need financial freedom.

Then come join our private community for weekly support:

https://www.facebook.com/share/g/16296epAAS/ then download

my Free guide: 10-Minute Budget Reset - https://hermoneywithreese.com/the-10-minute-budget-reset-322971

If this episode opened your eyes, tap Follow and share it with a friend who’s ready to build real wealth — not just look like it.