Most moms have financial worries when it comes to giving their child everything they want for them.

And with the average cost of raising a child being over $13,000 per year, it's easy to get in over your head.

A recent survey by the Babycenter found that nearly half of mothers go into debt trying to be a "perfect parent," among other worries:

Personal finance expert Rachel Cruze appeared on "Fox and Friends" to share advice on how to avoid the "mommy" debt trap.

Step #1. Don't keep up with the Joneses.

Cruze said that you should stop trying to match other families dollar for dollar -- hard as it can be with parents posting pictures of their latest resort vacation.

Everyone's financial situation is different, and "at the end of the day, comparison is going to steal your joy. You have to do what's best for your family in the present."

Step #2. Learn to say "NO."

Stop trying to have the latest and greatest everything. "We all want what's best for our kids, but we can't overdo it."

Step #3. Cut this, keep that.

Making sacrifices is a good thing. That could mean a few less Christmas presents so that your child can do other things that are meaningful to them, like play on that travel soccer team.

Step #4. Control your cash.

In a world where buying something is as easy as waving your smartphone at a register, it can be hard to keep track of where the money's going. Make a budget with a line item for your kids, and try to stick to it. "If you don't have the money, don't buy it. Stay away from debt."

Watch the full interview with the financial expert and mom above.