91: Why Budgeting Alone Keeps Moms Stuck in Money Stress

Have you ever downloaded a new budgeting app, opened a fresh spreadsheet, and promised yourself this time will be different... only to fall right back into the same money stress a few weeks later?

You’re not broken.
And you don’t have a willpower problem.

In this episode of The Money Mom Podcast, I’m breaking down why budgeting alone doesn’t actually lead to financial peace, confidence, or debt freedom, and what’s really going on beneath the surface when money systems don’t stick.

We’ll talk about why numbers don’t change habits, how your emotions and subconscious beliefs drive spending, and why so many moms stay stuck in the same cycle even when they “know what to do.”

You’ll also learn about the four money personalities I see most often in moms:

• The Avoider who doesn’t want to look at the numbers
• The Emotional Spender who shops to cope with stress
• The Scarcity Saver who budgets well but never feels at peace
• And the Confident Money Mom — the version of you who feels calm, grounded, and in control of her money (without obsession or restriction)

This episode isn’t about shame, restriction, or another spreadsheet.
It’s about understanding why you show up the way you do with money — so you can finally change it.

If you’ve ever felt:

• Overwhelmed by budgeting
• Stressed about debt
• Guilty for spending
• Afraid to check your bank account
• Or tired of money running your emotions, marriage, or mental space

…this episode will meet you exactly where you are.

✨ And if you’re ready to do the deeper work — combining practical money skills and mindset — I’ll also share how you can join us inside Money Mom Club, a supportive community of women learning how to save, spend, invest, and feel confident with money.

🎧 Press play and let’s stop budgeting around the problem — and finally address the root.

xoxo,
Rachel

Where to find me:
Instagram: @heyrachelcoons

Join me for my next LIVE training 'Money RESET 2026'!: REGISTER HERE