Money Mom Podcast
Welcome to The Money Mom Podcast—the ultimate guide for moms who want to take control of their finances, crush debt, and create a life of financial freedom and abundance. Hosted by Rachel Coons, a budgeting expert and mom of three, this podcast is your go-to resource for practical tips, mindset shifts, and empowering strategies to help you manage your money with confidence.
Whether you’re navigating grocery budgets, tackling debt, or dreaming of building wealth for your family, each episode offers bite-sized, actionable advice to make money management simple, stress-free, and even enjoyable. With relatable stories, expert insights, and a dose of mom-to-mom encouragement, you'll learn how to transform your finances—one small step at a time.
Tune in every week to discover how to save more, spend smarter, and feel empowered to create the financial life you deserve. Because when moms thrive financially, families flourish.
Money Mom Podcast
58: The 4-Part Framework to Ditch Debt, Save More, and Finally Feel Confident With Money
If you’ve ever felt like you should be further along financially… like no matter how hard you try, the money still disappears… this episode is for you.
In today’s special episode, I’m sharing the full recording of my Confident With Money masterclass—the exact training that’s helped thousands of moms pay off debt, save hundreds (even thousands) of dollars a month, and finally feel calm and in control with money.
Inside, I walk you through:
✅ The biggest budgeting mistakes that are keeping you stuck
✅ The 4 pieces every mom needs to build financial peace
✅ Why this has nothing to do with being “bad at math”
✅ And how to reset your relationship with money—starting today
This episode isn’t just information—it’s a moment of transformation.
By the end, you’ll know exactly what to do next and why your past efforts haven’t worked. Because it was never your fault—you were just never given the right tools… until now.
👉 Ready to go deeper? Doors to Money Mom Club are open—get 50% off for a limited time: www.heyrachelcoons.com/moneymomclubmay
xoxo,
Rachel
Where to find me:
Instagram: @heyrachelcoons
TikTok: @heyrachelcoons
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Welcome to the Money Mom podcast, the show where we empower moms to take control of their finances, break free from money stress and build a life of freedom, confidence and abundance for their families. I'm your host, rachel Koons, mom money mentor and your personal cheerleader on this journey. Whether you're here to save money, pay off debt or dream bigger for your family's future to save money, pay off debt or dream bigger for your family's future, you're in the right place here. We believe that being a mom is already a full-time job, but your role in shaping your family's financial success is just as important. And the best part, you don't need to sacrifice everything to start winning with money let's get started. This is the Money Mom Podcast. Money let's get started. This is the Money Mom Podcast. Okay, today I have a little different type of episode for you. Last week, I hosted a training where we helped moms work through financial problems that they may have, like being able to pay off debt and feeling like they're living paycheck to paycheck, or feeling like they just want to feel confident with money. We hosted that training and I know there was a lot of people that weren't able to come live. It's May-Sember, so I know people are super busy, so I took the recording from that training and I'm putting it in this episode for you to listen to, so you can listen to it while you're driving carpool, while you're doing laundry, while you're taking a walk, whatever it is. Put your earbuds in, listen to this. I'm hoping that you will learn something new about your relationship with money and how money shows up for you. So I'm just going to turn on that training for you and I hope you enjoy.
Speaker 1:Hey, here we go. We're live Today. We're going to talk about how busy moms, probably like yourself, can pay off debt, build savings and still feel confident with money. Some of the biggest problems that I see right now are that moms one are stuck in debt. We asked a lot of our Facebook members what they were struggling with and I would say 80% of you guys are struggling in debt and you don't know how to help your family financially. I'm actually going to give you the method that has saved our members over a million dollars last year in 2024. Throughout this training, I am going to share with you some real stories of moms, just like you, who have used the strategies that we're going to talk about today to save hundreds, even thousands of dollars every single month, all while making their lives less stressful and more intentional. So you'll see, like a thousand dollars, we saved $1,200 in our first month, $400 last month, 300, 400, 350 to 400. These are results that I want you to see as well, and you can have them absolutely by going through this training with me today.
Speaker 1:So do any of these struggles sound familiar to you? Okay, so first, you hate how much you spend on groceries. Hate how much you spend on groceries. Grocery prices have increased 70, 80% in the past five years and you feel like your grocery budget is. Your kids are eating you out of house and home and it feels like this is an extreme expense that you have with your family.
Speaker 1:Number two you're stuck in debt, and specifically high interest debt, because not all debt is bad debt, and we're going to talk about that in a little bit. But you're stuck in debt because you don't have extra money at the end of the month. You're living paycheck to paycheck, so how are you ever supposed to be able to pay off debt when you're just trying to get by? There's not enough money. Okay, that's number two. Number three you can't stick to a budget, or you've tried budgeting in the past and it feels overwhelming, or the numbers and the spreadsheets confuse you and overwhelm you and it just feels like too much. I talk to a lot of moms that that is how they feel, and if that is, you give me a three in the chat. Number four is maybe you make a solid income, you guys bring in money every month, but then for some reason, there's still not enough money at the end of the month, that the paycheck seems like it should cover the costs but it ends up not doing it. So out of all of these struggles, which one is your top struggle? If you could fix any of these today, like if I could just wave a magic wand for you, which one would it be? And yes, you may have many or all of these struggles, and if that's you, I think you'll see in the chat you're not alone. Regardless of your situation, no matter how many of these you're struggling with today, you're going to leave here with a new perspective on why you're experiencing these struggles and clarity on what you need to do next. So when you stick around for the entire training today, you're going to walk away with a better understanding of how to stop living paycheck to paycheck and finally feel confident with money.
Speaker 1:I'm going to teach you the four pieces to the puzzle that will give you immediate results. Now, this training is going to last about an hour long, so I know you're busy. I know you're taking time out of your day to join me in doing this, so if you need to drive a kid to preschool or do dishes or fold the laundry while you're listening, I just want to give you permission to do that. It's okay, I know we're all busy and at the end, you're going to have a chance to join us with over 1,200 incredible women, with a special offer that you're not going to find anywhere else, because this opportunity is exclusive to the people that show up and stay for the entire training. So, at the very least, you can stick around to the end and find out what that is, because you deserve to make an informed decision Whether or not you decide to join us at the end of class. I promise this training alone is going to give you valuable insights and help you make real progress on your journey. So if you do have questions during class today, like I said, I'm not going to be able to stay on top of the chat and I'm not gonna be able to scroll back through the chat as we're going. There is a little tab on the side that says Q&A. Only If you drop your questions in there I will be able to answer them at the end. But please hold your questions till the very end, because I may answer your questions as we go or you may find insights, so you're not constantly thinking about those questions.
Speaker 1:So who am I? Why should you trust me? First off, I'm a wife of, mom of four and a busy business owner. I left my career in 2014 to stay home with my oldest son, caleb, but I want to be real with you for a minute. Between the sleepless nights of changing diapers, I felt like I lost myself. You may resonate with that feeling where I literally looked in the mirror and I didn't feel like I recognized myself anymore because of the chaos of my life. There we were, our family, we were drowning in debt. I felt like I was drowning in motherhood and I felt because of that. I felt completely helpless when it came to our financial situation. The thought of me having to leave my children that I had birthed and go to work that was a hard no for me. I didn't want to do that, and I know a lot of moms have to make that really hard decision. But then everything changed for me. Instead of jumping back into my nine to five, I decided to do something different. I committed to looking at money differently and discovering ways that I could thrive financially while also staying home with my kids. What first started out as a personal finance transformation has now helped thousands of women. I've helped women build emergency savings without feeling deprived. Be able to pay off debt while still enjoying life, create income from home on your own terms and, in fact, our Money Mom Club members saved over $1 million last year.
Speaker 1:Combined Been featured in places like Eating Well Magazine, macaroni Kids, get the Hell Out of Debt and more. I also have a top podcast called the Money Mom Podcast, if you ever want to tune in and check it out. So let's dive in. When it comes to achieving the results that you want, most people focus on what they need to start doing. They need to add in things, but here's the truth Even with the right steps in front of them, many people don't see the results that they want. Why is that? It's because they haven't realized that the problem exists in their life because of something that they're already doing. The truth is, we can't fix what we don't acknowledge, and that's why it's so important to address these underlying issues and bring them to light. And once you're aware of these mistakes and you take action to stop, then you're going to open the door to major transformation, sometimes even much faster than you think. It's not about adding new habits into your life. Does anybody feel really overwhelmed when someone's like you just have to do this and this and this and add all these things to your to-do list? Sometimes it's about eliminating the ones that are holding you back, and that sometimes is much easier than adding in new things.
Speaker 1:Mistake number one Do you ever tell yourself this will be the month that I stay on budget? But then something comes up A last-minute birthday gift, a car repair, a school fee that you forgot about or maybe one of those higher than expected bills? When the expenses pile up and you don't have enough cash to cover everything, you reach for the credit card and you convince yourself it's fine, I'll figure it out next month. But then the next month rolls around and, instead of catching up, you're hit with new expenses, and now you're carrying a balance on high interest debt that you can't seem to get rid of. This is a cycle, and it's like you're stuck in this never ending cycle.
Speaker 1:You want to get ahead, but it feels impossible when you're constantly trying to play catch up. Every time you swipe the card, you feel a mixture of relief, but then also guilt, and when the credit card statement arrives or you check it online, you can't help but feel that pit in your stomach because you're overwhelmed and frustrated. Has anyone ever been on this hamster wheel? You know this isn't sustainable, but you just don't know how to break free from that. Here's the truth. It might feel like using your credit card is the only way to get ahead when money is tight, but that's not true. Running a balance only creates a false sense of progress. You might cover today's expenses, but you're also borrowing from your future self, and with massive amounts of interest. It's like you're running on a treadmill where the speed just keeps going, faster and faster and faster, and you're going to get to a point where you can't run fast enough to stay on your feet. There are other ways to get ahead, and none of them require adding more of a balance on your credit card. The debt that you already have is there. We're going to address what to do with that debt. But we don't need to go into more debt at this point. We teach you a ton of ways how to do this inside money mom club, and we're going to talk about some of those ways in just a minute.
Speaker 1:Okay, mistake number two you don't track your spending. You're standing in target again, cart full of all the essentials, debit card or credit card in hand, and then that familiar knot forms in your stomach you know the one that I'm talking about where you're mentally calculating is this purchase going to leave me enough for the electric bill or the phone bill that's coming next week? But then you just end up sweating, swiping the credit card because ignorance is bliss, you just are not going to worry about it. But then later that night you're scrolling through your banking app, trying to piece together where the money went. This one $187 at Walmart, $150 or, let's say, $500 at Costco, $95 at Target, and somehow you still had to order takeout a couple times this week. Then your husband asks about the credit card statement and that's when your chest tightens and then you think oh no, here comes another one of those money talks that leaves you both frustrated and defeated. You're tired of defending every single purchase, tired of the tension that fills your room with your marriage and spouse whenever finances come up. Maybe you guys make a good money better than your parents ever did, make a good money better than your parents ever did, yet somehow you're still drowning in grocery receipts and Amazon boxes and nothing to show for it except mounting credit card statements.
Speaker 1:Here's what most moms don't realize when you're in the dark about where your money goes, it's impossible to create real change. It's like trying to pack for a trip without knowing where you're going or how long you're going to be gone for. And most of the time when you are refusing to look at your spending, it's because there's an underlying emotional need not being met. But I get it. There's a reason. There's a reason you haven't been tracking your spending and in fact I see this with almost every mom that is refusing to track. You avoid looking at your spending because maybe, deep down, you're afraid of what you'll find. You'll feel shame, you'll feel guilt, you'll feel bad about those late night Amazon purchases. I mean, who really wants to face some of those experiences right?
Speaker 1:Or another reason people don't track their expenses is because you're thinking, rachel, I barely have enough time to shower in peace. My kids don't even let me go to the bathroom by myself. How am I supposed to sit down and spend time tracking every single dollar? Yes, does anybody feel like that? I know I did for sure. But here's what I want you to understand, and this is so crucial. It is the first step that you need to take. Tracking your spending is like turning on the GPS. You've been driving in circles, lost, and suddenly we turn on the GPS and you can see exactly where you are and, more importantly, it's going to give you a faster route to where you want to go. I promise you it doesn't have to feel complicated, it doesn't have to be time-sucking. In fact, I'm going to show you how to do this and how it can fit into your life right now.
Speaker 1:Okay, we're going to talk about something super fun, and it's about your money personality. After working with thousands of women, I've noticed that there are four main money personalities that tend to emerge. Okay, If you did take the quiz, don't tell us your results yet. We'll go through it together. These personalities that we're going to talk about are not good or bad. That's something that I'm really I feel very strongly. These personalities that we're going to talk about are not good or bad. That's something that I'm really I feel very strongly about is that we, as women, put so much pressure on ourselves, we feel bad about so many things, and money tends to bring out a lot of emotions, and if you're someone who feels a lot of emotions with money, or you feel bad or you feel shame. I don't have any of that here. I don't want you to ever feel that way. Okay, we're just looking at patterns, we're just looking at experiences, and I want you to notice that, as we're talking about these things, you're not alone, right? We've got a bunch of other women in here that are in the same place that you are. We've got a bunch of other women in here that are in the same place that you are. So I want you to listen to each one of these money personalities and see which one sounds like you, because here's the thing Once you've acknowledged the why behind the actions, it helps you get really honest about your habits and how you're showing up in everyday life, and you might identify with more than one of these personalities, but usually one of them will stand out. Okay. So the first type and when I, when I get to you, if you're like, yep, that's me, drop a one in the chat.
Speaker 1:Okay, the first one is the avoider. The avoider is someone that just doesn't want to deal with it. Ignorance is bliss. You feel tension every time you think about having to check the bills or the budgets or the finances. You avoid your bank account like it's haunted. You'd rather just not know about anything than be stressed by actually what's going on, and this leaves you feeling out of control and stuck. This personality usually developed from an early trauma with money or chaos with money growing up.
Speaker 1:Avoidance is a form of protection. I want to say that again. If you're an avoider, this is a form of protection and it keeps you safe. It's keeping you safe from guilt, from shame, from judgment, and when you try to look at your money situation, you feel all of those things. If this is you, if you are an avoider, you don't need more discipline. You don't need more tasks, more tools. You need to feel safer in your relationship with money.
Speaker 1:Okay, that's number one. Number two the emotional spender. You guys know who I'm talking about. You are the queen of treating yourself, even if you don't have the money to do it. Retail therapy tends to happen a lot. You know that well. You love the high of spending, the feel-good feeling, the dopamine that hits your bloodstream when you get to buy new things. But often you feel regret, guilt or even panic afterwards. You might use spending to soothe emotions or feel in control when other parts of your life feel messy.
Speaker 1:This personality often and I would say more often than most stems from unmet emotional needs, because your spending is blocking some other emotion that you don't want to deal with. Yet Spending feels like self-care, and there's times where spending is not a bad thing. Right, but it can spiral really fast If you're using shopping to cope with something deeper. What you really need is emotional regulation, not a stricter budget. We don't need to lock down the credit cards. Have you guys ever heard of people who put their credit cards in buckets of water and then freeze the buckets of water so that they can't spend on the credit card? I'm not sure that's actually dealing with the underlying issue that we have here. If we can fix the root cause of the emotional spending, then you won't have to freeze your credit cards in buckets of ice anymore.
Speaker 1:Okay, that's number two. Number three is the scarcity saver. This is my favorite one because it's one that I tend to be as well. You are the person that hates spending money, even on the things that you need. You are the budgeting queen. You feel anxious when your account dips below a certain number, even if you're totally fine. You save aggressively and you're constantly holding on to your money, but you still feel like there's never enough. Even when the bank account hits a certain amount, it but you still feel like there's never enough. Even when the bank account hits a certain amount, it still doesn't feel like enough. You often fear that what you have could just disappear in any moment with any unexpected life expense. Like I said, I tend to be a scarcity saver and what I realized a couple years ago is that I hate spending money on myself. I literally could not buy myself or treat myself to anything special without feeling bad about spending money and really truthfully, that's not an enjoyable way to live.
Speaker 1:This personality is rooted in scarcity and control. Anybody else your nervous system and the way that you think about money. You feel safest when you are holding onto every dollar really tightly. If this is you, the work isn't to just go out and spend recklessly. It's to build trust with money. That money will flow back to you even when you spend it.
Speaker 1:And then we've got the final, fourth and final personality, which is the confident money mom. The confident money mom shows up to her money situation with clarity and power. She takes ownership in the things that she can control and lets go of the things that she can't because we can't control everything, unfortunately. She feels empowered to pay off debt and has a clear system to get her there. She realizes that money isn't good or bad. It's just a tool, and it's how you use that tool that makes all the difference, much like a hammer. A hammer can be used to hurt people, or it could be used to build a beautiful house.
Speaker 1:A confident money mom doesn't never have setbacks. She definitely does. Everybody will have financial setbacks, but it's what she does with those setbacks that changes everything. So which one are you? Are you a mixture of all of them or specifically one or the other? If you are all of these at one time or another, that is totally normal. Some of these personalities will show up at different times. Obviously, our goal is to become the confident money mom but, honestly, the first step is finding out what your go-to personality is, so then you can recognize it and you can say to yourself I think I'm being an emotional spender right now because of an unmet emotional need, and what is that need and how can I take care of that need? So that way, you can help yourself when that personality starts to show up. When we understand the thoughts, feelings, emotions and behaviors behind our actions, we then have the power to change them, which is why healing your relationship with money is the quickest path to being able to pay off debt, stop living paycheck to paycheck and feel confident with it.
Speaker 1:Did anybody listen to our private podcast that we shared with you guys? In that private podcast, we talk a lot about you and your relationship with money, and if you didn't listen to it and you want to listen to it, we can send you the link after class. There's one underlying issue, and it's a vein through every single woman that I work with. It's honestly with everybody in this life who struggles with money. It's not the budgeting apps that you're using, it's not the math. That's not mathing. It's not even your skills and your dedication. There's something much deeper that we need to address, and I want you to think about you and money for a moment. In fact, if you'll do this with me, drop in the chat.
Speaker 1:The first word that comes to your mind when I say money is blank Money is what? First word that comes to your mind. Don't think about it too much, don't be afraid to share. Money is what? Because whatever that word is says a lot about you and your relationship with money. And yes, I did say a relationship, because, whether you realize it or not, you and money are in a relationship and, just like any relationship that you have, it's complicated, it's emotional and it's deeply personal. What kind of relationship do you have? Is it like that ex that you just try to avoid and never talk to? Is it the toxic friend that you can never trust? Or maybe it's like that distant relative who never shows up when you need them? Or maybe you're frenemies you love money sometimes, but then you hate it other times. And then another question for you when someone starts to talk about maybe it's a spouse, maybe it's a friend, maybe it's your inner self talking to you when someone starts talking about bills or upcoming payments or debt, what does your brain immediately do? How does your body feel in that moment.
Speaker 1:Whether you realize it or not, our relationship with money affects everything in life. I'm going to say that again Whether you realize it or not, your relationship with money affects everything in life. It impacts whether you're stressed one day to the next, how you show up as a mom, whether you have patience with your kids. Have you guys ever opened an unexpected bill that you don't know how to pay and then five minutes later your toddler does something crazy that they shouldn't do and you completely blow up? That blow up has nothing to do with your toddler and everything to do with your emotional state after reading that unexpected bill. It affects the dynamics in your marriage. In fact, the University of Kansas did a study and they found out that 60% of arguments 60% of arguments in marriage are rooted in money issues. So if you're stressed about money, how is that affecting you and your marriage, how much weight you have on your shoulders, the lessons you're teaching your kids silently and, of course and of course, the most important thing, it affects your peace of mind and emotional well-being, for good or bad. But here's what's fascinating and maybe a little bit scary that you don't even realize bad. But here's what's fascinating and maybe a little bit scary that you don't even realize.
Speaker 1:If we want different results, if you don't want to feel stressed about money anymore, if you want to be able to pay off debt and change your financial landscape, we need to write a new story. What got you here isn't going to get you where you want to go unless you change something. You are currently on the hamster wheel. It is your decision whether or not you want to get off that hamster wheel and start a new path. Because what got you here won't get you there. Because when you show up differently for money, how you've showed up in the past has gotten you to this point, but when you show up differently for money, money will show up differently for you, just like any relationship. When I show up differently to my marriage, my husband shows up differently for me. My whole goal through this training is to give you the tools to have money show up differently for you so you can feel confident, in control and like you have real action steps to move forward.
Speaker 1:I want I want to craft, like on this call. I want to craft a big picture view of what we're doing here and then get down into details of what that actually looks like. So right now, in this moment, I need to know if you're ready to do something different. Give me a yes in the chat if you are. Are you ready to look at money in a new way, to create a new relationship that serves both you and your family?
Speaker 1:Listen, I know what it's like. Again, I have four young kids. I know what it's like managing the kids' schedules, trying to keep up with housework, and maybe you're juggling a career too. The last thing you need is another training that makes you feel overwhelmed or ashamed about your situation. But what if I told you that the solution isn't about restricting yourself more or working harder? What if it's actually about having a system that works with you and your life, not against it? I've helped a lot of women pay off debt and actually have money left over at the end of the month, and I've discovered something crucial. There are four pieces to the puzzle that make this work, and here's what's interesting that most moms are maybe only doing one or two of these. And if they're doing any, which is exactly why you're struggling, when you have all four of these pieces working together, it's like you're building a puzzle. That's when everything changes. That's when you stop feeling guilty about spending money on a family dinner night out. That's when you finally stop worrying about unexpected expenses, throwing off your whole month. That's when you finally feel confident with money.
Speaker 1:Now, since we got a lot of yeses in the chat, I know you're ready to see this, so let me show you how we're going to do this, because wanting to do it isn't enough. We need to take action. Success leaves clues, right. So we're going to look at the success we've seen in other people who are financially successful, and what are they doing? Think of it like it's baking a cake. We've all baked a cake or cookies or anything that you're baking. If you skip one ingredient in that recipe, the whole thing falls flat. But then when you have all of the ingredients, all the four pieces working together, we're going to get a yummy chocolate cake.
Speaker 1:The first piece of the puzzle might actually surprise you, but if you are struggling to get a hold of your budget, have extra money at the end of the month. It's exactly where we want to start. That first piece of the puzzle is saving money on groceries. Remember at the beginning when I asked you if anybody here hates how much they're spending on groceries. This is a huge problem today, in 2025. They're spending on groceries. This is a huge problem today, in 2025. It may not have been an issue in 2019, but now families are more financially strapped than ever and groceries is probably one of the main reasons. And you're probably like wait, I don't understand. How is saving money on groceries magically going to fix everything? So hang with me here.
Speaker 1:When I was a young mom to four kids, we wanted to save up to buy a house, we wanted to be able to pay off debt, and that I knew at that time that I needed to learn how to budget correctly if we wanted to have extra money for the down payment. But honestly, the thought of trying to track every single expense and follow the numbers and not get caught all up in the stress and overwhelm felt like too much. I was just trying to survive with four young kids and keep everyone alive. But when I looked at our spending, I was shocked to see how much we were spending on groceries, and that was in 2020. It was one of our highest expenses every month. We were spending $1,200 a month, but it was also the one that I actually thought I could do something about, and that's when I had my aha moment. Instead of trying to budget everything at once and track all the numbers and all the different spreadsheets and all the budget categories, I decided what if I just focused on this one area?
Speaker 1:Groceries were one of our biggest expenses, but they were also one of our most flexible expenses and, honestly, it felt like it was something that I could actually control without losing my mind. No complicated spreadsheets, no tracking every coffee run, just one focus groceries. You want to know what happened. It took some trial and error to figure out what I was doing, but I ended up saving $500 a month on groceries alone. What would $500 a month extra do for you right now? What would it mean for you? Because $500 a month is $6,000 a year. If you are in credit card debt, that $6,000 could significantly put a dent in that debt. But so, seriously, what would $6,000 a year do for you? What would you do with it? Would you plan a family vacation? Would you build an emergency fund? Would you try to get out of debt? Could you imagine how much easier it would be to do all those things? Maybe have a little extra wiggle room in your life and maybe take an extra family vacation with that money.
Speaker 1:Not only that the grocery savings was amazing, but what I also uncovered saved me time and energy feeding my family. I don't know about you, but I spent a lot of time feeding my family, and so focusing on this one budget also helped me save time and it made it much easier. I now have a method, so that was a long time ago. I now have a method that I teach from and it's called the shop method, and the average family saves $600 a month with the shop method, and that is without giving up dietary restrictions If you're gluten free, dairy free, it still works without giving up quality ingredients. Health was a big thing for me. I have a background in exercise and wellness, so I needed to be able to eat healthy and it saved me time in the kitchen. So I teach the shop method in Grocery Budget Bootcamp, which is my course that I sell for $497. But I'm going to show you how to get that course for free later.
Speaker 1:So if you're wondering, okay, I want to be able to start saving money on groceries. This is how you're going to get started, and I recommend doing something I call shopping the shelf. How many of you have added up how much food and money is sitting in your shelf right now. If I went down and I calculated all of the amount of food in your house, how much money would it be? Because you would be shocked to realize how much money is actually there. In most cases, it's hundreds or thousands of dollars a month of food that is already in your house and either being pushed to the back of the pantry or ends up as food waste and will never be used.
Speaker 1:It's about decreasing the amount of food you waste to decrease the amount of money you spend. The average American family wastes 30 percent of the food that you buy. 30 30%. That means that if you walk into the grocery store and buy $100 worth of groceries, you literally could go throw one of those bags in the trash can on your way out, because that's what people are doing they're wasting food and they're wasting money. If you were able to save that money every month, if you were able to decrease your food waste, don't you think it would be easier to pay your bills, have wiggle room and less stress around money?
Speaker 1:So here's a tip to get started. It's as simple as creating an essentials list of what you need to stay out of the grocery store and then using up the items you have on hand before you think about going back to the store to buy new food. How often do we have that big bag of spinach sitting in our produce drawer or the bag of cilantro and we think we need to go back to the grocery store to buy new food instead of using up what we have on hand? All it takes is 15 minutes once a week to tackle shopping the shelf. How many of you feel like you could spend 15 minutes a week and save $200 a month on that? Are you willing to do that? Are you willing to spend 15 minutes to save $200? Because if you are, that's essentially like making $800 an hour. It's a pretty good ROI on that and that's what's possible with the first step of the shop method.
Speaker 1:Here's what some of our members were able to do with the shop method. Like Jessica, she needed to eat organic, she was also gluten and dairy free, she had a lot of food sensitivities and she was able to cut her grocery bill by $500 every month and her restaurant bill, takeout bill by 120. It's crazy, because now I'm shopping less, eating healthier, and I'm more satisfied with our meals at home. Or Rolinda, who saved $1,000 in one month. This is our second full month using this method and it's working. This when I was trying to save money on groceries. I created this method. It's now helped over 15,000 families cut their grocery spending by an average of $600 a month.
Speaker 1:Okay, let me transition to the next piece of the puzzle. The next piece of the puzzle is intentional spending, because how many here, when I say the word budget, you like get that sick feeling in your stomach or like your eyes are like oh gosh, talk to me about budgeting again. Right, everybody, I feel that way. Nobody wants to talk about budgeting. It's not fun. See, most people think that saving money on groceries is all about couponing and sales, but here's what I've discovered is that it's actually about becoming an intentional spender, a conscious spender, where your priorities are in line with your spending. We're going to start with grocery savings as a foundation, because what you learn by saving on groceries teaches you how to be an intentional spender. So let me ask you this have you ever walked into Target for eggs or milk or one item, and then you end up walking out of the store with $200 worth of stuff, guilty For sure I've done that it's like I just need that one thing and then, oops, that was a lot of money I just spent.
Speaker 1:Do you sometimes plan to save for a family vacation that you know you want to take, but then you don't actually ever end up having the money? Do you find yourself overspending on takeout or last minute meals? Have you ever had an expense come in that you just didn't know how to pay? Type guilty in the chat. If any of these sound familiar, so I want you to think about budgeting differently, because chances are. If it hasn't worked in the chat. If any of these sound familiar, so I want you to think about budgeting differently, because chances are if it hasn't worked in the past.
Speaker 1:We can't keep trying to do what we've been trying to do in the past to make it work. We have to do something different, right? Not about spending less. I think that's why I didn't like it. For so long.
Speaker 1:I was already felt so restricted in my spending because, again, I'm a scarcity saver. It's not about spending less in my spending because, again, I'm a scarcity saver. It's not about spending less. It's about spending right, where your values align with your spending, and one of the beautiful things about this is that nobody can tell you what your values are. Nobody can tell you where you want to spend your money. So if you want to go out and buy that designer handbag, or you want to buy the new pair of jeans or pay for the luxurious family vacation, nobody can tell you you shouldn't do that. But what we can tell you is how to spend your money in accordance with what really matters, Because if those things are high on your priority list, we can take the other things that maybe aren't as high on your priority list maybe groceries and put that money towards that budget. This is how we make budgeting not restricted. This is how we can empower you by what drives you to control your spending. We can also take care of all of the emotional aspects about this as well. Right, when we mindlessly spend money, money disappears. But when we start to become conscious and spend intentionally, that's when everything changes.
Speaker 1:So here's what you need to do instead. Even if you do this, one simple thing it's going to help you get started, and I call it the 5-30-20 rule. 50% of your spending, or the money that comes in every month, needs to go towards your needs Rent, health insurance, the needs that you have to have to stay alive. 20% needs to go towards savings and investment or debt payoff or anything like that, and then 30% is left over for you to enjoy and to get to choose what you want to do with it. This is where your value comes into play. If you want to spend less on the needs of your life, you're going to have more for the fun things. How many of you think that if you could have 30% of your income for things that you love, you would be more excited about controlling your money? It would be like I have a couple hundred extra dollars every month, so this is worth it. Right? That's what's possible with intentional spending.
Speaker 1:So let me introduce you to Sarah. Sarah hated budgeting when she joined us in the Money Mom Club, like so many of you guys and myself included. She joined so she could get help on becoming an intentional spender and after being with us for five months, she said never did I think I'd save this much and understand how to actually keep my savings down. After we got to get a bit more used to the process, it feels like we aren't budgeting at all and we always have things that we all. We always have all the things we need and more huge mindset change. That's what I want for all of you. Okay, so here's a real question. We talked about the $600 that you're going to have from groceries at the end of the month. The $600 that you're going to have from groceries at the end of the month. What if you also could add on $300 cash extra? What else would that unlock for you? Are you going to be able to do even more with your money now? Because that's what's possible with this third piece.
Speaker 1:This third piece to the puzzle is side hustles, an easy way to bring in $500, $50, $100, or even $500 a month. Now, before you start thinking, oh great, rachel's going to tell me and she's going to tell me I need to start a business, let me stalk you right there, because what I'm going to share with you isn't about becoming an entrepreneur or adding more to your already full plate. This is about something I call life first income, where you make money from what you are already doing. So let me paint this picture for you. You're already cooking dinner, right? You're already driving your kids around. You're already scrolling social media. You're already shopping at Target around. You're already scrolling social media. You're already shopping at Target. What if I told you that other moms would happily pay you for these everyday activities? You would be serving them to do this and making some extra cash. I know what you're thinking, rachel. I barely have time to breathe, let alone start something new. But here's what most people get wrong. This isn't about adding more to your life. It's about getting paid for what you're already doing. So let me show you some example. Valerie quadruples her freezer meals she makes once a month and then she makes an extra $100 a month selling to neighbors or people in her community. Michelle turned her Target runs into a $300 per month side gig by shopping for other people. Jessica makes $250 a month helping a local business with their social media during when she would normally scroll.
Speaker 1:There are so many simple ways to bring in money and chances are you just haven't thought about them yet or you haven't understood that this could actually happen. Imagine what $200 or $500 a month would feel like combined with the grocery savings. Now we're actually talking about real money and real change. So if you're struggling in debt, making this extra money might be one of the solutions to your problems. Inside Money Mom Club, we teach you over 50 ways to create these life first income streams. But here's what matters you pick what works for your life. No pressure, no hustle culture, no sacrificing family time. I'm really big into that because when you combine, start saving, starting to save and being intentional with your spending with extra income that comes in, you have got more money to work with right.
Speaker 1:Just like jamie who said my, my goal was to make a hundred dollars with a side hustle this month. My reality almost a thousand dollars, and it's's only April 11th. She started on April 1st. This challenge has been the best motivation to get creative and just take action. Sometimes you just have to take action. So, jamie, she says, as far as a stay at home mom, it feels so good to be creating income in ways that work for our family and life. Heidi said I ended up selling a $780 worth of items this month. That was far more than I thought possible. Money really does flow more easily when I am open to the possibilities and willing to put in some effort. She also said my mindset has definitely shifted from a scarcity to a more abundant mindset, and that's what's possible when you start to bring in extra money.
Speaker 1:Our fourth and final piece we've got saving money on groceries, intentional spending, side hustles and investing. And if you thought to yourself oh no, she's going to talk about investing. That's so complicated and really confusing. If you've ever felt intimidated by all the graphs, the numbers, the political or the jargon around the investment world, stick with me, because I did too. Investment world stick with me, because I did too. And it wasn't until I realized that those confusing tutorials, those, all of the crazy jargon were meant to keep you stuck and make you feel like you need to go out and hire a financial planner to be successful. You do not have to do it.
Speaker 1:Who here is just worried about paying their next credit card bill? Anybody and has no idea how to save for the long term? Or who here currently has an investing strategy? Does anybody have an investing strategy? Think about it this way have you ever noticed how some moms seem to have this quiet confidence about money, like they just know something the rest of us don't? Here's their secret. They've learned that investing isn't just for the Wall Street bros in suits. It's for moms who want to make their money work as hard as they do.
Speaker 1:Saving money is like planting a garden. Side hustles that we create income are like harvesting the garden, but investing that's like having someone else tend your garden while it grows bigger and bigger and you get more food, even when you're sleeping. But here's where most moms get stuck. Most moms get stuck because they think they need thousands of dollars to start. They think they need to get out of debt before starting. They believe it's too complicated Anybody feel like investing is really complicated or they're afraid of making mistakes. And then what happens if you lose all your money? They think they need to be on top of the stock market every day, 24-7, and checking numbers. But what if I told you that you can start investing with as little as $5 and that it could be as simple as setting up automatic payments, just like your credit card? All you have to do to get started go out, open account with Fidelity, link your bank account to the brokerage account and auto withdrawal $5 a month.
Speaker 1:And I can hear some of you thinking okay, that sounds great, but I'm just trying to make it to the end of the month. How am I supposed to think about investing when I'm already living paycheck to paycheck? First off, I see you, I hear you and I know what it feels like. But here's where the magic happens. And this is why I'm so passionate about sharing all four pieces of this puzzle with you, because they work together. When you work these pieces together, you create financial bliss.
Speaker 1:Let me show you something that blew my mind when I first learned it. Remember how we talked about saving $600 a month on groceries and making $300 a month inside hustles. Let's play with those numbers for a second. If you took just the grocery savings, just the $500 a month money you didn't even miss, it came from a budget you were already spending on. And you took that money and you invested it, in 10 years you could have $86,000. That sounds amazing. In 20 years you would have over $250,000. And in 30 years you'd have three quarters of a million dollars. That's just from grocery savings. Just by saving money on groceries. Imagine what happens when you also add in your side hustle income. See, this isn't about depriving yourself today for some far off future. This is about making simple, easy shifts that create massive results over time. Who here thinks that if they incorporated all of these pieces together, they could see results and that they could help their finances? And if they really focused on healing their relationship with money, it would just feel all less stressful than before.
Speaker 1:Now I want to talk to you about one more type of investing, and this is probably the most important one of all, because, while investing money is crucial, there's something even more invaluable you can invest, and that's your time. Think about it. You could spend the next five years trying to figure all this out. That's how long it took me watching random YouTube videos, testing different budgeting apps, making expensive mistakes, starting and stopping, and never quite sure if I was doing it right, starting and stopping, and never quite sure if I was doing it right. But remember, in order to create more abundance in your life, you have to start looking at money differently, and I want you to ask yourself a question If you left right now, do you know how to save and make money without wasting extra time? Do you know how to build consistent habits? So isn't just a one-month thing right, so that we're doing it for the next 10 years and we feel confident while doing it?
Speaker 1:Today, I gave you every step of what to do in order to pay off debt, in order to stop living paycheck to paycheck and create that confidence with money. I wanted to show you how to do it, but I also want to show you much more as well. I want to show you not only how to cut your spending. I want to show you how to put together a plan. I want to make sure you're not wasting time. I want to make sure you're on the same page financially as your spouse and that you both make decisions that work for both of you. I want you to have peace of mind. It's not the best thing. I want you to feel less stressed, like you're prepared for any of the what-ifs life is going to throw at you. I want you to be able to make a couple extra hundred dollars a month without going out and getting a job, but I also want you to avoid living paycheck to paycheck. I don't want the stress of finances to put unneeded stress on you, your relationships and your children. I want you to avoid the fear of unexpected expenses. I want you to be able to have every single element that you need.
Speaker 1:If you're the type of person who wants to wake up and know clearly that you're working towards something and have a clear path to get there, you could invest in yourself right now and get the exact roadmap that's already working for hundreds of other moms just like you. But here's the truth. The moms I work with who are crushing their financial goals, they all made one crucial decision. They decided for themselves that they're going to stop playing small with their family's future, and they decided to invest in themselves. Because when you invest in learning and managing money the right way, you're not just changing your bank account, you're changing your entire family's future. So who is ready to do that now? Here are some of the moms who took that leap.
Speaker 1:I've never saved money like this. Diving into this has been a game changer. It's helped me become more aware of our spending and still enjoy life. Thank you, rachel Coons, for the push and tools to help me make this possible for my family, or Ren, who said my mindset has completely shifted. I feel much more in control. I am less stressed and more organized. Hearing Rachel say what's possible gave me the belief I needed. Just having someone say, yes, you can do this made all the difference. I am telling you right now yes, you can do this. So if you're saying I'm ready, I'm ready to go all in. I couldn't be more thrilled for you because I'm going to enjoy you. Invite you to join us in the money mom club with an exclusive offer that I don't share anywhere else. If today's training gave you everything you needed to get started, that's amazing and I'm so happy and I want to cheer you on every step of the way. But if you've decided that it is time to take action it's time to do something different and seek support and accountability and commit to trying something new, then this opportunity is for you.
Speaker 1:So what is the Money Mom Club? It's a complete, step-by-step online community that empowers mom to take control of their finances. We deal with everything with money. We're going to uncover extra money in your budget. We're going to help you create a financial system that makes managing your family's money easier than ever before. With the four pillars that we talked about earlier, we are going to transform your relationship with money and remove any of those money blocks that you have, so we can build the right way. Roxanne saved $700 on just food alone and was able to cut her budget in half. Or Kayla said the past five months, I've added up and we've saved just under $5,000.
Speaker 1:Now, if you're like me and you're money minded, you're probably wondering OK, what is the investment? It's not $75 a month. It's not even $60 a month. Anybody who goes to my website right now can join the Money Mom Club for $54 a month. $54 a month to have a thousand extra dollars in your bank account, with all the tools, coaching and resources you need to get there. But because you're on this training, I'm going to give you an even more exclusive discount when you join Money Mom Club in the next 72 hours, you're going to get everything we talked about for 50% off, which makes your Money Mom Club membership just $27 a month. I'm going to go ahead and have Jenna put up the offer on the sidebar.
Speaker 1:If you want to join us in the Money Mom Club With our monthly membership, you can cancel at any time. No contracts, no cancellation fees. Join us, see how it goes and you can cancel at any time. No contracts, no cancellation fees. Join us see how it goes and you can cancel at any time. Just so you know too, this is the last time we are offering Money Mom Club for $27 a month. You will never see this price ever again $27 a month for everything that we talk about.
Speaker 1:So let's break that down. $27. Investment into yourself to have thousands of extra dollars. That is a 2000% return on your investment. My goal to you is to give you all of the value possible in this program. So even if you just saved a couple hundred dollars, chances are it will be well worth your investment. And you may be thinking to yourself because I felt this way too. I just don't know if this is possible for me. I don't know if it's going to take me extra time and energy. I don't know if I have what it takes.
Speaker 1:Check out what some of these other members saved in their first month. Sarah said I've already saved $250 in the first half of the month and I can't wait to see how much more I can save. Or Rachel said I'm feeling less stressed and I finally feel in control of the month, to stay on budget. So, even if you're on the fence with the discount when you join before class is over, today I am going to throw in Grocery Budget Bootcamp, my $497 course that I have sold for absolutely free, so that way you can learn the shop method. You can save $600 a month and make feeding your family easier and less time consuming than ever before your family easier and less time consuming than ever before. But you guys, I also. I'm crazy because I really, really want to help you with everything that you're struggling with.
Speaker 1:So, before you join, when you join, before class is over, I'm also going to throw in three essential bonuses. The first bonus that I'm going to throw in is the money mindset course. The money mindset course is my 30 day course to change your relationship with money right. If you feel like money is showing up for you in ways you don't want it to show up and it's creating a lot of stress in your life, let's go through that money mindset course to help you. I'm also going to throw in our foundations of budgeting. I actually should call it intentional spending, because budgeting makes people want to barf, but our Foundations of Intentional Spending course is to teach you how to create intentional spending in your life that works with your values. And then I'm also going to throw in our Finances in a Partnership Masterclass. So I brought in we always bring in external experts in the field and I brought in a financial therapist who helps families and spouses. Partnerships work with marriage, and so I'm going to throw that in as well as an extra bonus. All three of these bonuses in your portal right now.
Speaker 1:More results $1,500 a month to $800 a month, $2,400 a month to $1,600 a month and Rachel used the shop method to cut her spending from $2,300 a month to $1,300 a month $1,000 of savings. These are not results that I just hope will happen. I know they will happen when you use what we are teaching you and you may be thinking to yourself what if this doesn't work for me? But I also want to ask you, what if it does? What if next month you're saving $600 every single month for the rest of your life and you finally are able to pay off debt? You're finally able to feel that weight off your shoulder? What if this was all you ever needed to get your spending down and keep it down so you can finally afford the things that you want, and you could keep it for forever? You can click the link to get started with the 50% off discount, which makes it $27 a month, and you're going to receive all of this stuff for $1,400 of value.
Speaker 1:But if you want to be even more money mindset minded, you can also join us annually to gain even more money mindset minded. You can also join us annually to gain even more. So with our annual membership, if you join annually, you're going to get even more bonuses. We're going to get all of my meal plan guides to help you save time and money feeding your family. You're going to get our overcome overspending masterclass that we've done to help you with emotional spending. You're also going to get access to our brand new AI bots, which, basically, is my magic superpower.
Speaker 1:We created AI bots using our frameworks that we teach from inside the Money Mom Club frameworks that we teach from inside the Money Mom Club so you can go into these bots, ask it questions for your life, things that you're struggling with when it comes to meal planning, budgeting, investing money, mindset any of those things. Asking it questions and it'll help you and coach you through our frameworks and the things that we help. Everybody who joins annually gets access to these AI bots. You're also going to get our extra payoff debt course. If you have debt. This may be something for you. You're also going to get access to all of our previous masterclasses that we've done in the Money Mom Club.
Speaker 1:As an annual member, that's over $1,500 of extra value. Plus, you're not only going to get two months free it says two months free on here but you're going to get three months free. So three months free when you join annually. If you know this is something that you want help with for the long-term. This is the tool to get. There is the annual membership to have those extra bonuses. So here's what you get with the monthly membership you can cancel at any time. Annual membership we give you a 30-day money back guarantee. So if you join and you're not able to save the money that you join with, just let us know. We'll help you through it and we will refund you your money. This truly has been the best membership I signed up for when it comes to planning and cooking. So thankful for your content and this community, sarah said I just have to say this program is amazing. I joined it at the end of October and I've already saved so much money. I've only spent $983 when I normally spend $1,500 a month on groceries.
Speaker 1:I love hearing all of these results that we see day in and day out in Money Mom Club and I know there are probably some moms out there sitting on the fence asking should I take this step or not? But as a coach and cheerleader who's here and wants you to be successful, who's here to truly support you and your journey, I believe that that's the wrong question to ask. The reality is, we all have blind spots. We all have things that we're doing that we don't know we're doing things we don't know we're missing. And I'm also confident that, after going through this training, you're ready to make a change, you're ready to do something differently. So, if you're genuinely committed to change and see real results, the question isn't should I do this or not, but rather the question is how can I make this happen? And let's be real, I know I'm not everyone's cup of tea. Maybe you don't resonate with my story or my teaching. Okay, that wraps up our training.
Speaker 1:That we did and if you missed it, this was the recording of it. So hopefully you learned something new and you learned something about your relationship with money, how money is showing up for you and what you can do to fix it. I'd love to hear any takeaways that you have. If you want to shoot me a DM or send me an email, I would love that, and if you do want to join us inside the Money Mom Club, I just want to say again that this deal the 50% off locking in your monthly and annual rate at that 50% off ends on Wednesday night at midnight. So if you've made it this far and you want to take the next step, say yes to yourself, say yes to your family and to your financial future. This is the next step and this is where true transformation happens, because I believe the transformation starts with the transaction, when you say yes and when you go all in to this experience.
Speaker 1:We keep our monthly rates so low because I want this to be a place for anybody to come, anybody who's struggling, anybody who really needs help and doesn't have a ton of extra money laying around. We don't do thousand dollar courses, because this helps way more people when we keep our monthly rates low. So if you have questions, let me know. We'll put the link to join us for that 50% off in the show notes and hopefully I will see from you and, if you choose to, and I will see you next week Style, and that's totally okay. There's no pressure to take action here if it just doesn't feel right for you. But what I want to encourage you to do is find the right person, the right coach, the right method, the thing that does resonate with you, because this isn't just a decision about making a decision for yourself. It's about making a choice that positively impacts your entire family and future. So here's what we have as far as what's available in the Money Mom Club.
Speaker 1:Okay, that wraps up our training that we did, so hopefully you learned something new and you learned something about your relationship with money, how money is showing up for you and what you can do to fix it.
Speaker 1:I'd love to hear any takeaways that you have. If you wanna shoot me a DM or send me an email, I would love that. And if you do want to join us inside the Money Mom Club, I just wanna say again that this deal the 50% off locking in your monthly and annual rate at that 50% off ends on Wednesday night at midnight. So if you've made it this far and you want to take the next step, say yes to yourself, say yes to your family and to your financial future. This is the next step and this is where true transformation happens, because I believe the transformation starts with the transaction, when you say yes and when you go all in to this experience. We keep our monthly rates so low because I want this to be a place for anybody to come, anybody who's struggling, anybody who really needs help and doesn't have a ton of extra money laying around. We don't do $1 thousand dollar courses, because this helps way more people when we keep our monthly rates low. So if you have questions, let me know. We'll put the link to join us for that 50% off in the show notes and hopefully I will see you next week.
Speaker 1:Thanks so much for tuning into this episode of the Money Mom podcast. I hope you're walking away feeling inspired, empowered and ready to take the next step toward financial confidence and freedom for your family. If you've loved today's episode, it would mean so much to me if you'd subscribe, leave a review and share this podcast with another mom who could use a little extra encouragement on her money journey. And don't forget to connect with me on Instagram at heyrachelcoons, or you can join our thriving money mom club for even more tips, support and resources to help you save, spend and build wealth intentionally. You've got this, mama, and I'm here to cheer you on every step of the way. Until next time, remember, every dollar you manage with purpose is another step toward the life you've been dreaming of. I'll see you back here soon on our next episode.
