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September 2, 2025 15 mins

Ever feel like saying no to your kids instantly makes you the “worst mom ever”? You’re not alone, mama. That mom guilt is real — but it doesn’t have to control how you parent or how you handle money.

In this episode, I’m breaking down why we feel guilty when we tell our kids no, the sneaky lies that fuel overspending, and how to shift from guilt to confidence when it comes to parenting and money.

You’ll learn:

  • The 3 biggest reasons moms feel guilty saying no (and how to spot them in your own life)

  • Why “just making it work” is a dangerous money lie that keeps families in debt

  • How saying no now actually models delayed gratification and financial confidence for your kids

  • Practical ways to decide your “no” ahead of time (without caving at Target or the trampoline park)

  • Simple strategies to include your kids in money decisions (at an age-appropriate level)

  • How to align your family spending with your true values — so no feels freeing, not shameful

Saying no isn’t rejection — it’s redirection toward what matters most to your family. By the end of this episode, you’ll feel more equipped to stand firm in your decisions, spend with intention, and break free from that mom guilt spiral.


👉 Want support from other moms learning to parent and budget with confidence?

Join us inside The Alliance Coaching Membership, where we say yes to purpose and no to pressure. Live coaching, monthly budget planning, and a community of families walking this same countercultural path.
👉 jewlzthebudgetnerd.com/membership

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Transcript

Episode Transcript

Available transcripts are automatically generated. Complete accuracy is not guaranteed.
(00:00):
Right mom, have you ever told Right Mama?
Have you ever told your kid no to something small?
And then it spiraled into this guilt like you're the worst
parent ever? OK, so if you have, you are not
alone. You are definitely not a bad
parent. So saying no is hard because we

(00:20):
love our kids. But what if telling them no is
the in the short term is actually one of the most loving
things that we can do? So today we're going to be
talking about why we feel so guilty when we tell our kids no
and what to do about it. So stick around, you're going to
like this one. Welcome to the Debt Ripple
podcast where we discuss the insurance and outs of personal

(00:43):
finance for families so you can eliminate the burden of debt,
create financial margins, and learn a new way to interact with
your money. I'm your host, Jules the Budget
Nerd, and I have been in your shoes.
My husband and I have paid off over $107,000 in consumer debt
until we finally threw in the towel and decided it wasn't for
us. Throughout our journey, we

(01:03):
learned another way to do life without debt, and that's my hope
for you. You can learn more about our
story and see full show what's on my website,
julesthebudgetnerd.com. That's JEWLZ, the budget
nerd.com. Now let's dive into today's
episode. All right, so welcome to today's
episode. And this one is to call out that

(01:27):
mom guilt. I know I've had this
conversation. Allison, this one's for you.
We and man, we as moms can feel that serious mom guilt, right?
So maybe our kids ask for something and we just feel like
we're saying no. So my husband calls it vitamin N
and he loves saying no. But I also, I'm like, OK, this

(01:47):
is really challenging because I feel like all I'm doing is
saying no. When we say no, it isn't
necessarily about the thing thatwe're saying no to.
There's some emotion behind it, but it can also be the most
loving thing that we can do for our kids.
So I want to break down the rootcause of why we feel this guilt

(02:09):
sometimes. So sometimes it could be we feel
like we are providing when we provide that is tied to love.
So especially if this is something that you didn't have
growing up, this could be something that when you had the
opportunity now to parent that you want to do differently.
Sometimes it's we have just thatpressure from social media to

(02:31):
give our kids everything. And I know that my daughter will
see stuff on TV and she's like, I want this.
And she knows all these brands and all these things.
And I was like, Oh my gosh, how do you know all of this stuff?
You're 6, how do you know this? These are not things.
The world was a very different when I was 6.
So we have to take into account that there is a lot of outside
noise that not only do our kids see, but we also see.

(02:56):
And so we can feel that pressurewhether we recognize it or not.
Are we, Oh, not necessarily thatwe're succumbing to it, but that
there is a lot of outside noise saying that we need to give our
kids these things. So that also leads me to FOMO,
the fear of missing out. Maybe that's we don't want our
kids to miss out on things. Maybe we don't want to ourselves

(03:19):
miss out on things. And so that's where that guilt
feeling can come in. OK, mom math, this one right
here gets me going. So that's that mental gymnastics
of like, I should just make it work, right?
And so we are going to make it work for our family.
We're going to make it work for our kids.

(03:39):
And so this is one that I feel like could be a real hot button
for myself because this is the lie right here that kept our
family in that debt cycle was I'll just figure out I'm I'm
just going to make it work. I'm just going to make it work.
We got to keep the lights on. So I'm going to put it on a
credit card. I'm just going to make it work.
And so that is a lie. I'm just going to call it what

(04:03):
it is, and we're going to talk about that more in a little bit.
We going back to why we feel that guilt is we want to give
our kids the world. We want them to have things
maybe that we didn't have. And if we give them everything,
they might not necessarily understand how the world works
if we give them everything. So just like we have to work for

(04:25):
things, that's something that isimportant for them to learn.
So how do we take that mom guiltand eliminate it or turn that
into a confident feeling when itcomes to our money and how we
approach spending money with ourkids?
So I want, OK, so one of the things that we can remember when

(04:50):
it feels hard to say no is that we are modeling for our kids.
We are modeling delayed gratification now.
Delayed gratification is something that our culture I
feel like is just completely void of most of the time.
And this is a really, really important thing for kids to
learn. It's really also important for
us as adults to learn. But this, if we love our kids

(05:14):
the way that I know that you do,modeling this for your children
is going to serve them so well in the future.
So delayed gratification, they're going to learn how to
handle disappointment, but you're going to be there to
support them. And that right there, friend, is
emotional gold. Because if they think they can
get whatever they want for four easy payments or they can just

(05:37):
put it on a credit card and dealwith it later, they're going to
continue that cycle. And I know that you don't want
that for your kids. So when we model that delayed
gratification, that's a huge win.
We're helping to build future security and not just that
present pleasure. So when we say no to a $30 toy

(05:57):
that our kid asks for, it's because we're saying yes to a
debt free family vacation next summer.
Or you're saying yes to taking some time off so that you can,
you know, cozy up in the winter time next to the fire with your
with your family and not have toworry and you can enjoy time
together. Maybe it's when you say no to

(06:19):
that $30 toy that your kids asking for.
Maybe it's so that you can take that extra day off and spend
their birthday with them when you're usually supposed to be at
work. You can take that time off and
it's not going to completely destroy your financial financial
plan. Another thing that's really cool
is when we feel like no can be ahard thing to swallow is when we

(06:43):
say yes to our values. It's not just the stuff.
So when we say, hey, we're not going to be buying that today,
but we can bake cookies together.
We can save up for that special thing later.
And so it isn't about not havingthe thing.
It's about aligning your your spending with your goals and

(07:06):
your values for your family. So one of the things that I
teach inside the Alliance coaching membership is that if
someone was to look at your spending, your budget for the
month, would they know what matters most to you and your
family? And that's where this comes in
is when we, you know what your family values more if it's, and

(07:27):
sometimes it is things because there are certain things that
our family needs in this in thisseason.
But when you know what those things are, you can say yes
confidently or you can say no confidently because you know
what matters most to you and your family.
Remember that no is not a rejection.
It is just a redirection towardswhat matters most to you and

(07:49):
your family. So how can we practice saying no
and have peace about it and not that shame spiral that goes out
of control? So one thing that has been
really helpful for me is decide what my know is ahead of time.
So maybe you know what, when you're at the grocery store or

(08:09):
you know that OK, your kid asks every single time when you're in
a specific store or a place and they say they always ask.
So for instance, my daughter always asks for an IC and when
we go to the trampoline place. So I will let her know ahead of
time. All right, today is not an icy

(08:31):
day, but you're not going to be getting 1 today.
And so when I let her know that ahead of time on, I've
communicated that to her, but also I am setting that that
boundary and I am sticking with that.
But I've also decided ahead of time that that's going to be in
my know. And maybe, you know, you can
experiment and let in if this is, as you know, a continual

(08:52):
cycle that your your kids are inis sometimes maybe it's
communicating that before you goor knowing for yourself.
Like I'm going to hold firm to this.
And one thing that we talk abouta lot is just because I say no
now doesn't mean that it's it's,it's, it's just no now.
But maybe there's some other alternatives.
So it kind of just takes when you know you're going to say no

(09:13):
ahead of time is have an alternative available.
So this is kind of where it goesto that redirection.
And this is really helpful for kids to not just ourselves, but
to say, hey, OK, just because we're going to say no to this,
it means that we're going to do this.
So for example, when my daughterasks for an IC and I've already
decided ahead of time that todayis going to be a no icy day,

(09:34):
then I say, hey, we know what no, I see now, but when we get
home you can have this or whatever.
So offering an alternative is very helpful.
Also letting your kids be a partof the plan.
Now this one, obviously you wantto do age appropriate, but I
started this early on with my daughter and it's been very
helpful is just having like those saving charts or creating

(09:57):
a wish list of things that you want to be saving for or
planning ahead for, but let yourkids be part of that process.
Now, the really cool thing aboutthat is is when you say no and
then refer back to that thing that they were saving for,
they're going to make that connection in their brain.
It's also going to help them deal with that disappointment

(10:19):
that they didn't get the thing that they asked for.
But it's also going to help their brain make that connection
that, hey, just because my mom said no to this doesn't mean I
don't get this really cool thinglater on that our family really
wants to do. Or, you know, maybe it's
something that they want to saveup for, that kind of thing.
So it's very important. These are some really great ways
that you can teach your childrennow without sitting down and

(10:43):
saying, hey, here's our whole budget and a spreadsheet.
But these are some really easy ways that you can invite your
kids into this process with you at an age appropriate level, but
to help them understand the value of money and managing
their money and then celebrate the values behind the reasons
why you're saying no. So some of the things could be,

(11:04):
you know, if your family values just enjoying what you have
contentment. Maybe it's that you know, it's a
teamwork thing. Everyone's working together for
this common goal. Maybe you want to help instill
patients in your kids those types of things.
And so celebrating those things and reminding them and keeping

(11:24):
those as teaching moments is going to be really helpful for
them in the long term. So now we've we've covered a lot
of things today. And so I hope that this is
helpful for you because that shame and that guilt feeling,
those things are temporary and in the moment and they do pass.
But let's change those. Let's reframe those so that when

(11:48):
we say no, it's so that we can say yes to other things in the
future that matter more to us and our family.
So this is where I like to lean in and really remind you that it
when you say no to certain things, that guilt, let it pass
quickly. Because this is about parenting
with intention and allowing yourself and your family to

(12:13):
build a better budget, but also to build better connections as a
family and grow stronger and getto that goal faster of
eliminating your debt. Because when you do eliminate
that debt, life gets even better.
I know it's great now, but it gets even better when you don't
have the stress of money and debt and maintaining all of that

(12:34):
stuff because you're able to be more present with your kids and
create the family memories that you want instead of paying for
the things that you haven't necessarily used or are broken
in the past. So if you're trying to, if
you're like, hey, I do want to break free from that guilt, that

(12:56):
overspending and the pressure just to keep up.
I really want to encourage you to check out the Alliance
coaching membership because thisis how we learn as a community
to parent and budget with confidence.
But also we get support from other moms that are saying yes
to purpose and no to the pressure.
We I have there's some live coaching opportunities

(13:19):
throughout the month. We get together and we plan our
budgets every single month. And no, not the type where you
have to share your screen and all that kind of stuff, but I'm
going to remind you of a few things that can slip through the
cracks when it comes to our monthly planning.
And it's real talk, but it is not about the shame and the
guilt and all of the ick that goes with managing our money.

(13:42):
It's about having real access tomyself and to other families
that are doing the exact same thing because this is this is
countercultural. This is not what the world is
saying. Like, hey, we just want to give
our kids everything. And I know that you want to give
your kids the world in the most positive, encouraging and

(14:04):
healthy way for them. And so when we do that together
in this in this type of setting,and we can plan ahead some of
those things that we know they're going to ask for every
single time we go to the trampoline place, right?
We can make empowered decisions for our family and be confident
with how we spend our money because we know that it aligns

(14:25):
with what matters most to our family.
So if that sounds like somethingthat you're like, yes, I'm
absolutely on board with that. Or maybe you just want some more
information, you can go to julesthebudgetnerd.com slash
membership that's JEWLZ the budget nerd.com/membership and
join us inside the alliance. So you do not have to do this

(14:47):
alone and you do not have to keep spending money to prove
your love. So until next time, stay
resilient. Thank you for listening to the
Debt Rebel podcast. Now, if you want to take your
next step, check out my website,jewelsthebudgetnerd.com.
That's JEWLZ, the budget nerd.com.
I've created a bunch of resources just for you.

(15:08):
So hop on over, check it out, and we can connect more there.
If you love today's episode, I would be honored if you would
hit that subscribe button and leave me a review.
And remember, every step towardsfinancial independence is a
rebellion against debt. So stay strong, keep pushing
forward, and fight the good fight until next time.
Debt rebels stay resilient.
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