The Money Mom Podcast

Latest Episodes:

71: Uncover Your Signature Spending Style With Mary Ann, A Spending Coach Aug 18, 2025

Show notes

In this powerful episode of The Money Mom Podcast, Rachel sits down with Mary Ann, the founder of Become Unshoppable, to talk about the real reasons we overspend, and how to take back control without feeling deprived.

Mary Ann shares her deeply personal journey from emotional shopping as a new mom to discovering the “why” behind her spending and reclaiming over $1,000 a month for things that truly mattered, like childcare, house cleaning, and self-care. Together, Rachel and Mary Ann unpack the six “Spending Styles,” how to identify your own, and the mindset shifts that make lasting change possible.

If you’ve ever found yourself filling your cart (and your closet) to fill an emotional need, or if you’re tired of being told to “just stop spending”, this episode will help you feel seen, understood, and empowered with solutions that stick.

What you’ll learn:

The emotional and mindset roots of overspending
Why shame keeps you stuck (and how to replace it with guilt that motivates change)
The six Spending Styles and how to find yours
Simple, non-restrictive ways to align your spending with your values

Free quiz: https://quiz.becomeunshoppable.com/optin

xoxo,
Rachel
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70: Back-to-School on a Budget: Smart Mom Hacks for Saving This Month Aug 11, 2025

Show notes

It’s that time of year again—new routines, new backpacks… and a lot of new expenses.

In this episode of the Money Mom Podcast, I’m diving into the real-life budget struggles moms face during back-to-school season and giving you practical ways to take the stress (and overspending) out of the equation. From school supplies and clothes to groceries and lunchbox prep, we’re covering it all.

You'll learn:

When not to buy school supplies (trust me on this one)
How to save BIG on back-to-school clothes (without sacrificing style)
What to pack in your kids’ lunches to save money and keep them full
Smart ways to stay out of Target and still feel organized

Whether you homeschool or send your kids off on the bus, these tips will help you feel more prepared, more peaceful, and way more in control of your money this month.

🎧 Tune in and start saving today—because August doesn’t have to blow your budget.

Get your FREE 2-Week Meal Plan HERE

xoxo,
Rachel
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Join me for my free training to learn the 5-step RESET Framework: Register HERE

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69: 6 Things I No Longer Waste Money On As A Mom of 4 Aug 04, 2025

Show notes

Is your money quietly slipping through the cracks without you realizing it? In this honest and eye-opening episode, Rachel shares six surprising things she no longer spends money on, and how those small decisions have saved her family hundreds (if not thousands) over the years.

From birthday parties to bulk food shopping, Target runs to trendy kids' clothes, Rachel walks through the mindset shifts and intentional choices that make a massive difference in your family’s finances, without guilt or restriction.

You’ll hear:

What to consider before buying in bulk (hint: it’s not always a deal)
Why fancy birthday parties aren’t the only way to create magic
A fresh take on emotional spending (and how to cope without swiping your card)
How to simplify your pantry and still eat well
Permission to spend where it matters, and save where it doesn’t

If you’re trying to reset your spending and ditch the pressure to "do it all," this episode will feel like a deep exhale and a financial pep talk.

💬 Ready to share your own “I don’t spend money on that anymore” list? DM Rachel on Instagram @heyrachelcoons

xoxo,
Rachel
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Join me for my free training to learn the 5-step RESET Framework: Register HERE

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68: The $100 Grocery Reset: 5 Meals You Can Make from What You Already Have Jul 28, 2025

Show notes

Feeling overwhelmed with summer chaos, constant snacks, and skyrocketing grocery bills?

In this episode, we’re doing a little mid-summer mental health + money check-in for moms, and I’m sharing my favorite strategy to save $100 (or more) this week without sacrificing dinner plans.

I’m walking you through a simple but powerful challenge: Shop the Shelf. You’ll learn how to use the food you already have at home to plan meals, cut waste, skip the store, and instantly reduce your spending.

Whether your fridge feels empty or your pantry is overflowing, I’ve got tactical tips (and easy meal ideas!) to help you stretch what’s already in your kitchen.

Plus, I’ll share how this challenge helps members inside Money Mom Club save hundreds, and totally transform the way they think about meal planning.

🔗 Grab your free 2-week meal plan: [CLICK HERE]
🎧 Tune in, take the challenge, and DM me your results!

xoxo,
Rachel
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Join me for my free training to learn the 5-step RESET Framework: Register HERE

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67: Vacation on a Budget: How We Fed a Family of 6 for Under $350 Jul 21, 2025

Show notes

Just back from a dreamy Florida vacation, I’m sharing exactly how we fed our family of six for under $350—all while staying on the beach, eating well, and making the week feel like a true getaway.

In this episode, I’ll walk you through how I planned our meals, where we saved money (without sacrificing quality or nutrition), and the exact steps I take to grocery shop smart while traveling. Whether you're road-tripping or flying across the country, these vacation grocery hacks will help you cut costs and chaos.

Plus: why getting a kitchen wherever you stay can save you hundreds, how I use Walmart delivery to prep in advance, and how the same principles I use at home still work—yes, even on vacation.

If you’re planning a trip this summer, this episode will help you eat well, save money, and still make core memories with your family.

🎧 Listen in, then grab my free SHOP Method training linked in the show notes!

xoxo,
Rachel
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Join me for my free training to learn the 5-step RESET Framework: Register HERE

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66: Should You Break Up with Costco? The Truth About Bulk Shopping & Your Grocery Budget Jul 14, 2025

Show notes

Is Costco secretly blowing your grocery budget?

In this episode of the Money Mom Podcast, I’m sharing my honest thoughts on Costco—and how I went from being obsessed with bulk shopping to rethinking my entire approach to grocery spending.

If you’ve ever walked into Costco for one thing and walked out $400 later, you’re not alone. I’ve been there. And today, I’m breaking down:

Why Costco might be costing you more than it’s saving
The real reason bulk buying isn’t always budget-friendly
How food waste and impulse buys add up fast
What to do if you love Costco but want to spend less
My favorite alternatives that save time and money

Whether you’re a die-hard Costco fan or wondering why your grocery budget keeps creeping up, this episode will help you shop smarter—without the shame.

🎧 Let’s talk strategy, savings, and shopping with intention.

xoxo,
Rachel
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Join me for my free training to learn the 5-step RESET Framework: Register HERE

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65: From College Professor to $147K Virtual Assistant: How Moms Can Start a Profitable Side Hustle from Home Jul 07, 2025

Show notes

Ever dreamt of making a full-time income from home without sacrificing time with your kids? In this inspiring episode of The Money Mom Podcast, Rachel sits down with Laura Nicole, a former college professor turned six-figure virtual assistant and VA coach, to talk about the REAL path to starting a profitable side hustle that actually fits mom life.

Laura shares:

How she went from $46K/year to $147K/year as a VA
The skills you already have that make you qualified
Why this is one of the most flexible and accessible work-from-home options for moms
What being a VA really looks like (hint: it’s not just answering emails)
Who it isn’t a fit for...and how to know if it’s for you

This episode is full of practical advice, personal stories, and encouragement for any mom who's ready to explore new income possibilities without committing to a 9–5 or a business she doesn’t love.

🎉 Want to see if this could be your next step? Grab Laura’s free masterclass (plus get her income calculator + 150-task VA starter list!) here → [LINK]

Follow Laura Here: @hey.lauranicole

xoxo,
Rachel
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Join me for my free training to learn the 5-step RESET Framework: Register HERE

CONNECT WITH RACHEL
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64: 5 Sneaky Ways Moms Self-Sabotage Their Finances Jul 01, 2025

Show notes

If you’ve ever said, “I know what to do, I just can’t seem to do it”… this episode is for you.

We’re diving deep into the sneaky ways moms sabotage their finances—without even realizing it. These aren’t just bad habits or lack of discipline. These are emotional patterns, survival responses, and inherited beliefs that are quietly keeping you stuck in debt, paycheck-to-paycheck cycles, and money stress.

In this episode, I’ll walk you through:

Why you keep avoiding the bank account and what it’s really about
The emotional spending spiral (and how to break free without guilt)
The lie that “you just need to make more money”
Why putting off budgeting “just one more month” is keeping you stuck
And the most toxic belief moms carry about money (that stops change in its tracks)

This is a compassionate, no-shame conversation about what’s actually driving your financial stress—and what to do about it.

🎧 Listen now and let’s get you out of chaos mode and into confidence.

xoxo,
Rachel
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Join me for my free training to learn the 5-step RESET Framework: Register HERE

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63: The Real Reason You’re Still in Debt—And Don’t Even Know It. Jul 01, 2025

Show notes

Feeling stuck in debt—like no matter what you do, you just can’t get ahead?

In today’s episode of the Money Mom Podcast, we’re pulling back the curtain on the real reason you're still in debt (and it’s probably not what you think). This isn’t just about credit cards or car payments—it’s about emotional spending, inherited money beliefs, and those deep-rooted habits that quietly keep you stuck.

I’ll walk you through:

The emotional triggers that drive overspending (hello, stress shopping 👋)
Why “I’m just not good with money” is a belief that’s keeping you broke
The types of debt that are silently draining your future
How to shift your money mindset and actually start getting unstuck

If you're feeling overwhelmed by your finances, this episode is here to remind you: it’s not too late to change. You can break the cycle, ditch the shame, and take back control of your money—for good.

👇 Ready to go deeper? Join us inside Money Mom Club for the step-by-step support to finally make the progress you’ve been craving.

xoxo,
Rachel
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Join me for my free training to learn the 5-step RESET Framework: Register HERE

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61: How to Keep Your Grocery Budget in Check During The Summer Months (Even When You're Hosting) Jul 01, 2025

Show notes

Summer is here—and if the thought of feeding your kids all day long (plus hosting guests) makes your grocery budget want to scream... you are NOT alone.

In this episode, I’m breaking down exactly why grocery costs tend to skyrocket in the summer, what you can do about it, and how to create structure that saves you money and your sanity—without becoming the food police.

We’ll chat:

Why snack attacks are blowing your budget (and what to do instead)
Easy ingredient-based snack swaps that actually fill kids up
The #1 habit that will help you stop the all-day pantry grazing
My favorite budget-friendly hosting hacks for barbecues, out-of-town guests, and big summer dinners
And why a little structure (and a lot of intention) can help you enjoy the season without overspending

Summer doesn’t have to mean financial chaos. You can feed your people, stay on budget, and still soak up these sweet days with your kids. 💛

xoxo,
Rachel
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Join me for my free training to learn the 5-step RESET Framework: Register HERE

CONNECT WITH RACHEL
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