In this episode, Jewlz reveals the neurobiology behind overspending, shares pause-before-purchase strategies proven for ADHD brains, and shows you how to spot your personal spending leaks without shame or deprivation.

Discover the friction tactics and routines that help you stay confident in your financial choices.

Send Jewlz a question on Speakpipe

Learn more about working with Jewlz The Budget Nerd

Follow Jewlz on Threads

A $22,000 used car can easily become a $30,000 decision once you factor in taxes, registration, insurance, fuel, maintenance, tires, brakes, and unexpected repairs.

And if you're shopping for a car while managing ADHD, decision fatigue can make the whole process even harder. It's easy to focus on one number—the monthly payment—and overlook the bigger financial picture.

In this episode, Jewlz The Budget Nerd breaks down the true cost of buying and owning a used car, including the hidden expenses that can derail your budget after you drive off the lot.

You'll learn:

• Why asking "Can I afford the payment?" isn't enough
• The hidden costs you need to consider before buying
• Why stretching out a car loan can cost you more
• Why a pre-purchase inspection can save you thousands
• How to build a repair fund before buying the vehicle
• How to determine whether a vehicle actually fits your family's budget
• What Jewlz learned the hard way after buying more car than her family could comfortably afford

Because the goal isn't simply to find a reliable car. It's to find a car that fits your family's needs AND your financial goals.

Before you shop, spend 15 minutes figuring out what the car will actually cost you—not just what it costs to buy it.

And if you want help creating a complete plan before your next vehicle purchase, check out the Alliance Coaching Membership and the used-car workshop inside the membership.

Follow Jewlz on Threads

Back-to-school budgeting often ignores the sneaky expenses that blow up family finances.

From hidden sports fees to forgotten class supplies, impulse spending ADHD, and the dopamine-driven "school supply haul," we're breaking down what families actually forget—and giving you money management for families strategies to catch spending leaks before August hits.

Jewlz shares practical ADHD-friendly tactics to plan realistically without shame.

Key Takeaways

✔ School expenses don't end after supply shopping.

✔ ADHD tax expenses are predictable—even if the exact timing isn't.

✔ Replacements are a budgeting category, not a personal failure.

✔ Small savings buffers prevent big financial stress.

If you're tired of feeling like every surprise expense throws your entire budget off track, grab my free ADHD-Friendly Paycheck Planner.

Ready to upgrade your whole financial experience? The Alliance Coaching Membership is for you!

Follow Jewlz on Threads

In this episode, Jewlz breaks down the real science behind why one budgeting system fails you while another sticks, and how to finally choose a method that matches YOUR neurodivergent wiring, not drains it.

Discover which approach suits your dopamine needs, working memory, and attention span—then actually keep using it.

Key Takeaways

• There is no universal best budgeting tool.
• Consistency matters more than complexity.
• Your budgeting system should match your habits.
• Choose a tool you'll use on difficult days.
• Your system can change as your life changes.
• ADHD brains thrive with simple, supportive routines—not perfection.

Learn more about the Alliance Coaching Membership: https://www.jewlzthebudgetnerd.com/membership

Follow Jewlz The Budget Nerd on Threads: https://www.threads.com/@jewlzthebudgetnerd

Jewlz walks you through guilt-free scripts and boundary-setting strategies for girls' nights, birthday parties, and family events—so you can protect both your budget and your peace without sacrificing relationships.

Learn the real words busy moms with ADHD actually need to say no.

🎧 Work With Jewlz The Budget Nerd:

Ready to stop living paycheck to paycheck and finally feel in control of your money?

Whether you need personalized support, accountability, or a simple system that actually works with your ADHD brain, I've got you covered.

💰 1:1 Private Coaching – Personalized coaching to help you create a plan, pay off debt, and build lasting financial confidence.

🤝 Alliance Coaching Membership – Monthly coaching, community, and accountability to help you stay consistent.

🛒 Grocery Reset Playbook – Learn how to cut your grocery bill without living on ramen.

➡️ Learn more: https://www.jewlzthebudgetnerd.com/services

Follow Jewlz on Threads: https://www.threads.com/@jewlzthebudgetnerd

How do I fix it?

Why can't I stick to a budget?

I've asked myself all those questions and many more. Pop in your earbuds and check out this award-winning podcast hosted by Julian Kohlbrand, better known as Jewlz The Budget Nerd.

With my husband, I eliminated over $107k of debt even though I have a degree in Economics and "should know better".

I specialize in helping ADHD financial planning because it's different than planning money for the neurotypical mind!

Book Your Borrow My Brain Session: Book Here

Learn More About The Alliance Coaching Membership

Follow Jewlz The Budget Nerd on Threads: https://www.threads.com/@jewlzthebudgetnerd

Katherine Connolly is a Neuroaffirming Somatic Clinical Counsellor (RCC, CCC), Craniosacral Therapist, and founder of gloWithin™. As a ND mom raising a ND family, she has brought deep lived experience to supporting sensitive and ND families and individuals since 2011. Katherine’s work sits at the intersection of nervous system development, Adaptive Masking™ and Embodied Safety™, helping you raise safe, confident children.
Full episode here: https://youtu.be/e6b8mfWhGPY?si=Af2B5jxbks-RopuG

Download Katie's free resource on What To Do When Nothing Works: https://glowithin.ca/parenting-neurodiverse-or-highly-sensitive-child Neuroaffirming clinical counselling, somatic clinical counselling, Katherine Connolly clinical counsellor

In this episode of Debt Rebel, we uncover the hidden habits, forgotten subscriptions, convenience purchases, and system breakdowns quietly draining your bank account.

You'll learn how to identify these leaks, conduct a simple 15-minute money audit, and create ADHD-friendly systems that help you keep more of the money you earn.

WHAT YOU WILL LEARN:[00:00] Why ADHD brains are more vulnerable to spending leaks

[03:00] The most common hidden money drains affecting families

[06:00] A simple 15-minute spending leak audit you can do today

[10:00] How emotional spending and convenience spending impact your budget

[13:00] ADHD-friendly systems to stop money leaks without feeling deprived

[17:00] How to create lasting financial awareness and confidence

Book Your Borrow My Brain Session: ⁠Book Here⁠

Learn More About The Alliance Coaching Membership: ⁠https://www.jewlzthebudgetnerd.com/membership⁠

Follow Jewlz The Budget Nerd on Threads: ⁠https://www.threads.com/@jewlzthebudgetnerd

Join Jewlz and guest Doug Jonson as they unpack how scarcity beliefs trap ADHD families—and share the exact money education shifts that rewired his relationship with debt and wealth.

Discover practical family finance strategies that replace "never enough" thinking with sustainable, shame-free progress.

Perfect for parents ready to model healthy money management for their kids.

Connect with Doug Jonson at dougjonson@thrivent.com.

Connect with Jewlz The Budget Nerd at jewlzthebudgetnerd.com

The truth is your kids don't need expensive childhoods—they need financially confident parents who teach healthy money habits through everyday moments.

In this episode, Jewlz shares practical ways to raise kids on a budget while creating memories they'll actually remember.

In This Episode You'll Learn:

[00:00] Why raising kids on a budget isn't about deprivation

[03:30] The family experiences children remember most

[07:15] Budget-friendly parenting ideas that actually work

[11:20] How thrift stores and buying used can save thousands

[15:00] Teaching kids about grocery shopping and comparing prices

[20:30] Better money language to use with your children

[26:00] Age-appropriate ways to teach budgeting and saving

[33:00] Why your children learn more from your actions than your words

[37:00] How giving yourself grace teaches healthy money habits

Connect with Jewlz

Ready to build a family budget that works in real life?

Join the Alliance Coaching Membership:

https://www.jewlzthebudgetnerd.com/membership

Follow Jewlz the Budget Nerd on Threads: https://www.threads.com/@jewlzthebudgetnerd

This episode tackles the money mindset shift from surviving to building wealth, especially for ADHD families.

Many people stay stuck in scarcity mode even after becoming debt-free.

Learn how to rewire the identity patterns, ADHD money management habits, and family finance systems that actually support wealth-building (not just payoff).

Jewlz The Budget Nerd breaks down the psychological blocks and gives you the exact mindset reframes to make your financial freedom stick.

Thank you for TWO great years on the show! We're just getting started!

Book Your Borrow My Brain Session: Book Here

Learn More About The Alliance Coaching Membership: https://www.jewlzthebudgetnerd.com/membership

Follow Jewlz The Budget Nerd on Threads: https://www.threads.com/@jewlzthebudgetnerd

In this episode, Jewlz breaks down a simple, visual sinking fund system designed for the scatterbrained brain: how to set it up, track it without obsessing, and stop the guilt cycle when expenses pile up.

Perfect for busy moms juggling multiple kids' activities and unpredictable costs.

FREE Borrow My Brain Sessions: Book Here

Learn more about working with Jewlz The Budget Nerd: https://www.jewlzthebudgetnerd.com/services

Let's Hang Out on Threads

Follow me: https://www.threads.com/@jewlzthebudgetnerd

On this episode of Debt Rebel Show, Jewlz The Budget Nerd shares the debt-free family finance behaviors that naturally teach kids about money without lectures or shame.

Learn which money conversations your ADHD brain finds easiest, how to involve kids in raising kids on a budget, and the real-world modeling habits that actually change generational money patterns—all designed for busy parents doing their best.

FREE Borrow My Brain Sessions: ⁠Book Here⁠

Learn more about working with Jewlz The Budget Nerd: ⁠https://www.jewlzthebudgetnerd.com/⁠

Follow Jewlz The Budget Nerd on Threads: @jewlzthebudgetnerd

Full Show Notes: https://www.jewlzthebudgetnerd.com/blog/teaching-kids-about-money

In this episode of the Debt Rebel Podcast, Jewlz The Budget Nerd and Mitchell Jasper, co-founder of Hexeh, dive into the real-life challenges and strengths of living with ADHD, navigating marriage and parenting, building supportive systems, and creating sustainable financial habits that actually work.

This honest and encouraging conversation explores ADHD beyond productivity hacks — including emotional regulation, communication struggles, hyperfocus, identity, family dynamics, gaming, financial organization, and the journey toward debt freedom. If you’ve ever felt misunderstood, overwhelmed by life transitions, or frustrated trying to force yourself into systems that don’t fit your brain, this episode will make you feel seen.

You’ll hear practical insights on:

ADHD and personal growth

How support systems change everything

Teamwork and communication in relationships

Navigating financial organization as a family

Hyperfocus, hobbies, and creative passions

Values-based decision making

Parenting with humor and flexibility

Building healthy money habits during life transitions

Emotional regulation and shame with ADHD

The long-term journey toward debt freedom

Jewlz also shares relatable stories about marriage, parenting, gaming culture, authenticity, and why ADHD-friendly systems matter more than perfection. Whether you’re managing debt, learning to budget with ADHD, or simply trying to create a calmer home and financial life, this episode offers practical encouragement without shame.

If you’re looking for realistic ADHD support, financial encouragement, and honest conversations about life, relationships, and money, this episode is for you.

Topics covered:

ADHD and money management, ADHD relationships, budgeting with ADHD, debt payoff journey, ADHD communication struggles, emotional regulation, hyperfocus, family finances, marriage and money, financial organization, parenting with ADHD, personal growth, financial habits, and values-based living.

Download your free Hexeh game board at https://www.hexehgame.com/.

Connect with Mitchell Jasper on Threads: https://www.threads.com/@mitchelljasper.co

Connect with Jewlz The Budget Nerd for ADHD-friendly budgeting support, debt payoff resources, and financial coaching at jewlzthebudgetnerd.com

In this episode, learn how to rebuild your family finance safety net after multiple hits, manage money without shame, and navigate ADHD money problems with practical strategies.

We're ditching the "perfect emergency fund" myth and embracing what actually works for real families.

Book your Borrow My Brain Session here:

[Borrow My Brain Session]

Learn more about working with Jewlz The Budget Nerd at jewlzthebudgetnerd.com

Join Jewlz as she breaks down the real ADHD-friendly budgeting system for building a "surprises fund," handling irregular expenses without shame, and protecting your money management progress.

Perfect for busy moms who want peace of mind without perfect planning.

Book your Borrow My Brain Session here:

⁠[Borrow My Brain Session]⁠

Learn more about working with Jewlz The Budget Nerd at ⁠jewlzthebudgetnerd.com

In this episode of the Debt Rebel Podcast, Jewlz The Budget Nerd breaks down the connection between ADHD, money mindset, shame, emotional spending, budgeting struggles, and financial behavior.

If you’ve ever felt like you’re “bad with money,” constantly restarting your budget, avoiding your bank account, overspending for dopamine, or stuck in a cycle of debt and financial shame, this episode is for you.

Jewlz shares her personal journey of paying off over $107,000 in debt despite having a degree in economics, and explains why your money mistakes are not your identity — they’re data.

You’ll learn:

• How ADHD can impact budgeting and financial decision-making

• Why shame keeps people stuck financially longer than the mistake itself

• Common money mindset beliefs that sabotage progress

• How emotional spending and avoidance behaviors develop

• ADHD-friendly budgeting strategies that reduce decision fatigue

• Simple systems to create financial consistency without perfection

• Why tiny financial wins build long-term confidence

• How to stop the “all-or-nothing” budgeting cycle

• Ways to reframe negative money beliefs and build healthier financial habits

This episode is packed with practical encouragement for parents, working moms, ADHD adults, and anyone trying to improve their personal finances without shame or restriction-heavy budgeting systems.

If you’re ready to stop identifying with your overdraft fees, debt balance, or financial mistakes and start building sustainable money habits, hit play now.

Topics covered:
ADHD and money management, budgeting with ADHD, emotional spending, debt payoff motivation, financial mindset, personal finance for moms, budgeting tips, money shame, financial coaching, dopamine spending, zero-based budgeting, financial habits, ADHD-friendly budgeting systems, overcoming debt, and improving financial confidence.

Connect with Jewlz The Budget Nerd and book a “Borrow My Brain” financial coaching session at Jewlz The Budget Nerd.

🎧 Work With Me

Ready to stop living paycheck to paycheck and finally feel in control of your money?

Whether you need personalized support, accountability, or a simple system that actually works with your ADHD brain, I've got you covered.

💰 1:1 Private Coaching – Personalized coaching to help you create a plan, pay off debt, and build lasting financial confidence.

🤝 Alliance Coaching Membership – Monthly coaching, community, and accountability to help you stay consistent.

🛒 Grocery Reset Playbook – Learn how to cut your grocery bill without living on ramen.

➡️ Learn more: https://www.jewlzthebudgetnerd.com/services

Let's Hang Out on Threads

Follow me: https://www.threads.com/@jewlzthebudgetnerd

Jewlz breaks down why quick wins matter more than perfection, reveals the truth about visible progress and motivation, and gives you a 14-day attack plan to pick your smallest debt and actually see movement.

This is money management for brains that need speed, not shame.

🎧 Work With Me

Ready to stop living paycheck to paycheck and finally feel in control of your money?

Whether you need personalized support, accountability, or a simple system that actually works with your ADHD brain, I've got you covered.

💰 1:1 Private Coaching – Personalized coaching to help you create a plan, pay off debt, and build lasting financial confidence.

🤝 Alliance Coaching Membership – Monthly coaching, community, and accountability to help you stay consistent.

🛒 Grocery Reset Playbook – Learn how to cut your grocery bill without living on ramen.

➡️ Learn more: ⁠https://www.jewlzthebudgetnerd.com/services⁠

Grab Your Free ADHD-Friendly Paycheck Planner

If payday comes and your money disappears before you know where it went, download my free ADHD-Friendly Paycheck Planner and give every dollar a job before you spend it.

⁠https://www.jewlzthebudgetnerd.com/guide⁠

Let's Hang Out on Threads

Follow Jewlz on Threads: ⁠https://www.threads.com/@jewlzthebudgetnerd⁠

Podcast Disclaimer:

This podcast is intended for educational and informational purposes only. As a financial coach, I share insights, strategies, and tools to help you make more confident decisions with your money—but personal finance is personal. Your situation, priorities, and goals are unique, and what works for one person may not be the right fit for you.

This content should not be considered financial, legal, or investment advice. I encourage you to seek guidance from a trusted financial professional who can understand your full financial picture and provide personalized recommendations.

Additionally, while we may discuss topics related to stress, habits, and behavior, I am not a licensed medical or mental health professional. Any insights shared are based on personal experience and research and are not intended to diagnose, treat, or replace professional medical or psychological advice. Please consult a qualified healthcare provider for support in those areas.

By listening to this podcast, you acknowledge that you are responsible for your own financial and personal decisions.

In this episode, Jewlz breaks down why traditional budgets exhaust ADHD brains and reveals the simple budget for ADHD moms that actually sticks.

Discover practical budgeting strategies designed for how your brain works, not against it.

Perfect for busy moms tired of guilt and complexity.

🎧 Work With Me

Ready to stop living paycheck to paycheck and finally feel in control of your money?

Whether you need personalized support, accountability, or a simple system that actually works with your ADHD brain, I've got you covered.

💰 1:1 Private Coaching – Personalized coaching to help you create a plan, pay off debt, and build lasting financial confidence.

🤝 Alliance Coaching Membership – Monthly coaching, community, and accountability to help you stay consistent.

🛒 Grocery Reset Playbook – Learn how to cut your grocery bill without living on ramen.

➡️ Learn more: ⁠https://www.jewlzthebudgetnerd.com/services⁠

Grab Your Free ADHD-Friendly Paycheck Planner

If payday comes and your money disappears before you know where it went, download my free ADHD-Friendly Paycheck Planner and give every dollar a job before you spend it.

⁠https://www.jewlzthebudgetnerd.com/guide⁠

Let's Hang Out on Threads

Follow Jewlz on Threads: ⁠https://www.threads.com/@jewlzthebudgetnerd⁠

In this episode, Jewlz unpacks the invisible emotional labor moms and caregivers take on in money management, why rest alone won't fix it, and how building simple financial systems creates real breathing room.

Learn why financial decision fatigue is an ADHD issue, not a personal failure, and get a clear path to less overwhelm.

Join the Summer Savings Challenge (Launching May 13, 2026): https://www.jewlzthebudgetnerd.com/maychallenge

🎧 Work With Me

Ready to stop living paycheck to paycheck and finally feel in control of your money?

Whether you need personalized support, accountability, or a simple system that actually works with your ADHD brain, I've got you covered.

💰 1:1 Private Coaching – Personalized coaching to help you create a plan, pay off debt, and build lasting financial confidence.

🤝 Alliance Coaching Membership – Monthly coaching, community, and accountability to help you stay consistent.

🛒 Grocery Reset Playbook – Learn how to cut your grocery bill without living on ramen.

➡️ Learn more: ⁠https://www.jewlzthebudgetnerd.com/services⁠

Grab Your Free ADHD-Friendly Paycheck Planner

If payday comes and your money disappears before you know where it went, download my free ADHD-Friendly Paycheck Planner and give every dollar a job before you spend it.

⁠https://www.jewlzthebudgetnerd.com/guide⁠

Let's Hang Out on Threads

Follow Jewlz on Threads: ⁠https://www.threads.com/@jewlzthebudgetnerd⁠

In this episode, Jewlz breaks down how invisible money leaks quietly drain your budget and keep your emergency fund stuck, then reveals three simple 10-minute actions to redirect money, reduce financial stress, and start saving without overhauling your entire budgeting system.

Perfect for busy moms and anyone struggling with ADHD and money management.

Summer Savings Challenge Starts May 13th, 2026: https://www.debtrebelpodcast.com/

Download FREE resources: ⁠https://debtrebelpodcast.com/⁠⁠

Connect with Jewlz on Threads: https://www.threads.com/@jewlzthebudgetnerdPodcast Disclaimer:This podcast is intended for educational and informational purposes only. As a financial coach, I share insights, strategies, and tools to help you make more confident decisions with your money—but personal finance is personal. Your situation, priorities, and goals are unique, and what works for one person may not be the right fit for you.This content should not be considered financial, legal, or investment advice. I encourage you to seek guidance from a trusted financial professional who can understand your full financial picture and provide personalized recommendations.Additionally, while we may discuss topics related to stress, habits, and behavior, I am not a licensed medical or mental health professional. Any insights shared are based on personal experience and research and are not intended to diagnose, treat, or replace professional medical or psychological advice. Please consult a qualified healthcare provider for support in those areas.By listening to this podcast, you acknowledge that you are responsible for your own financial and personal decisions.

Leave Jewlz a voice note at ⁠https://debtrebelpodcast.com/⁠

Vote the Women Podcasters Award Here: ⁠https://debtrebelpodcast.com/⁠⁠

Download FREE resources: ⁠https://debtrebelpodcast.com/⁠⁠

Follow me on Threads: https://www.threads.com/@jewlzthebudgetnerdFull Show Notes: https://www.jewlzthebudgetnerd.com/blog/how-to-stay-consistent-with-money-habits

Podcast Disclaimer:

This podcast is intended for educational and informational purposes only. As a financial coach, I share insights, strategies, and tools to help you make more confident decisions with your money—but personal finance is personal. Your situation, priorities, and goals are unique, and what works for one person may not be the right fit for you.

This content should not be considered financial, legal, or investment advice. I encourage you to seek guidance from a trusted financial professional who can understand your full financial picture and provide personalized recommendations.

Additionally, while we may discuss topics related to stress, habits, and behavior, I am not a licensed medical or mental health professional. Any insights shared are based on personal experience and research and are not intended to diagnose, treat, or replace professional medical or psychological advice. Please consult a qualified healthcare provider for support in those areas.

By listening to this podcast, you acknowledge that you are responsible for your own financial and personal decisions.

In this episode, Jewlz explores why money avoidance happens, how shame and overwhelm feed the cycle, and why "just check it" advice backfires.

Learn the neuroscience behind account avoidance, practical ways to build a judgment-free relationship with your numbers, and a simple 10-minute money date ritual to break free.

Perfect for adults with ADHD and anyone avoiding their finances due to shame or overwhelm.

Leave Jewlz a voice note at https://debtrebelpodcast.com/

Vote the Women Podcasters Award Here: https://debtrebelpodcast.com/⁠

Download FREE resources: https://debtrebelpodcast.com/⁠

🎧 Work With Me

Ready to stop living paycheck to paycheck and finally feel in control of your money?

Whether you need personalized support, accountability, or a simple system that actually works with your ADHD brain, I've got you covered.

💰 1:1 Private Coaching – Personalized coaching to help you create a plan, pay off debt, and build lasting financial confidence.

🤝 Alliance Coaching Membership – Monthly coaching, community, and accountability to help you stay consistent.

🛒 Grocery Reset Playbook – Learn how to cut your grocery bill without living on ramen.

➡️ Learn more: https://www.jewlzthebudgetnerd.com/services

Grab Your Free ADHD-Friendly Paycheck Planner

If payday comes and your money disappears before you know where it went, download my free ADHD-Friendly Paycheck Planner and give every dollar a job before you spend it.

https://www.jewlzthebudgetnerd.com/guide

Let's Hang Out on Threads

Follow Jewlz on Threads: https://www.threads.com/@jewlzthebudgetnerd

Full Show Notes: https://www.jewlzthebudgetnerd.com/blog/avoid-checking-bank-account-money-date

Podcast Disclaimer:

This podcast is intended for educational and informational purposes only. As a financial coach, I share insights, strategies, and tools to help you make more confident decisions with your money—but personal finance is personal. Your situation, priorities, and goals are unique, and what works for one person may not be the right fit for you.

This content should not be considered financial, legal, or investment advice. I encourage you to seek guidance from a trusted financial professional who can understand your full financial picture and provide personalized recommendations.

Additionally, while we may discuss topics related to stress, habits, and behavior, I am not a licensed medical or mental health professional. Any insights shared are based on personal experience and research and are not intended to diagnose, treat, or replace professional medical or psychological advice. Please consult a qualified healthcare provider for support in those areas.

By listening to this podcast, you acknowledge that you are responsible for your own financial and personal decisions.

Managing finances with adult ADHD or executive dysfunction can be challenging, especially when it comes to staying on top of bills and payments.

What You'll Learn:

The importance of systems in bill management

Using automation to prevent missed payments

Setting up auto pay through bank accounts

Managing bills with ADHD and executive dysfunction

Creating a weekly financial review routine

Jewlz walks you through setting up effective systems, automation techniques, and mindset shifts that simplify your money system and eliminate stress from bill management.

Learn how to use auto pay for your most important bills, create a separate email for bill notifications, and tailor payment dates to fit your pay schedule.

These judgment free finance tips support adults with ADHD and neurodivergent money habits in building reliable routines and reducing financial anxiety.

Whether you're looking for debt reduction strategies or practical budgeting advice, this episode provides actionable steps towards simplifying finances and gaining control over your money.

Vote the Women Podcasters Award Here: ⁠https://debtrebelpodcast.com/⁠

🎧 Work With Me

Ready to stop living paycheck to paycheck and finally feel in control of your money?

Whether you need personalized support, accountability, or a simple system that actually works with your ADHD brain, I've got you covered.

💰 1:1 Private Coaching – Personalized coaching to help you create a plan, pay off debt, and build lasting financial confidence.

🤝 Alliance Coaching Membership – Monthly coaching, community, and accountability to help you stay consistent.

🛒 Grocery Reset Playbook – Learn how to cut your grocery bill without living on ramen.

➡️ Learn more: https://www.jewlzthebudgetnerd.com/services

Grab Your Free ADHD-Friendly Paycheck Planner

If payday comes and your money disappears before you know where it went, download my free ADHD-Friendly Paycheck Planner and give every dollar a job before you spend it.

https://www.jewlzthebudgetnerd.com/guide

Let's Hang Out on Threads

Follow Jewlz on Threads: https://www.threads.com/@jewlzthebudgetnerd

Full Show Notes: https://www.jewlzthebudgetnerd.com/blog/stop-forgetting-to-pay-bills

Podcast Disclaimer:

This podcast is intended for educational and informational purposes only. As a financial coach, I share insights, strategies, and tools to help you make more confident decisions with your money—but personal finance is personal. Your situation, priorities, and goals are unique, and what works for one person may not be the right fit for you.

This content should not be considered financial, legal, or investment advice. I encourage you to seek guidance from a trusted financial professional who can understand your full financial picture and provide personalized recommendations.

Additionally, while we may discuss topics related to stress, habits, and behavior, I am not a licensed medical or mental health professional. Any insights shared are based on personal experience and research and are not intended to diagnose, treat, or replace professional medical or psychological advice. Please consult a qualified healthcare provider for support in those areas.

By listening to this podcast, you acknowledge that you are responsible for your own financial and personal decisions.

The impact of small, unnoticed expenses on overall finances

Practical tips for mindful spending and tracking

The importance of regular, brief financial check-ins

How to use habits and routines to improve money management

What You'll Learn:

The impact of small, unnoticed expenses on overall finances

Practical tips for mindful spending and tracking

The importance of regular, brief financial check-ins

How to use habits and routines to improve money management

Vote the Women Podcasters Award Here: https://debtrebelpodcast.com/

🎧 Work With Me

Ready to stop living paycheck to paycheck and finally feel in control of your money?

Whether you need personalized support, accountability, or a simple system that actually works with your ADHD brain, I've got you covered.

💰 1:1 Private Coaching – Personalized coaching to help you create a plan, pay off debt, and build lasting financial confidence.

🤝 Alliance Coaching Membership – Monthly coaching, community, and accountability to help you stay consistent.

🛒 Grocery Reset Playbook – Learn how to cut your grocery bill without living on ramen.

➡️ Learn more: ⁠https://www.jewlzthebudgetnerd.com/services⁠

Grab Your Free ADHD-Friendly Paycheck Planner

If payday comes and your money disappears before you know where it went, download my free ADHD-Friendly Paycheck Planner and give every dollar a job before you spend it.

⁠https://www.jewlzthebudgetnerd.com/guide⁠

Let's Hang Out on Threads

Follow Jewlz on Threads: ⁠https://www.threads.com/@jewlzthebudgetnerd⁠

Podcast Disclaimer:

This podcast is intended for educational and informational purposes only. As a financial coach, I share insights, strategies, and tools to help you make more confident decisions with your money—but personal finance is personal. Your situation, priorities, and goals are unique, and what works for one person may not be the right fit for you.

This content should not be considered financial, legal, or investment advice. I encourage you to seek guidance from a trusted financial professional who can understand your full financial picture and provide personalized recommendations.

Additionally, while we may discuss topics related to stress, habits, and behavior, I am not a licensed medical or mental health professional. Any insights shared are based on personal experience and research and are not intended to diagnose, treat, or replace professional medical or psychological advice. Please consult a qualified healthcare provider for support in those areas.

By listening to this podcast, you acknowledge that you are responsible for your own financial and personal decisions.

In this episode, Jewlz The Budget Nerd shares insights on managing impulse buys, especially for those with ADHD, emphasizing understanding dopamine triggers, creating safeguards, and planning ahead to stay aligned with financial goals.

What You'll Learn:

Spot dopamine and impulse spending patterns

Strategies to interrupt impulsive buying

Creating safeguards and guardrails

Using a 24-hour rule for purchases

Buffer funds for indulgences

If impulse spending is your biggest struggle, we build real-life guardrails inside my membership so you’re not relying on willpower at 9pm. Learn more at https://www.jewlzthebudgetnerd.com/membership.

Vote for the Women Podcasters Award Here: https://debtrebelpodcast.com/

🎧 Work With Me

Ready to stop living paycheck to paycheck and finally feel in control of your money?

Whether you need personalized support, accountability, or a simple system that actually works with your ADHD brain, I've got you covered.

💰 1:1 Private Coaching – Personalized coaching to help you create a plan, pay off debt, and build lasting financial confidence.

🤝 Alliance Coaching Membership – Monthly coaching, community, and accountability to help you stay consistent.

🛒 Grocery Reset Playbook – Learn how to cut your grocery bill without living on ramen.

➡️ Learn more: ⁠https://www.jewlzthebudgetnerd.com/services⁠

Grab Your Free ADHD-Friendly Paycheck Planner

If payday comes and your money disappears before you know where it went, download my free ADHD-Friendly Paycheck Planner and give every dollar a job before you spend it.

⁠https://www.jewlzthebudgetnerd.com/guide⁠

Let's Hang Out on Threads

Follow Jewlz on Threads: ⁠https://www.threads.com/@jewlzthebudgetnerd⁠

Full Show Notes: https://www.jewlzthebudgetnerd.com/blog/how-to-stop-impulse-spending

Podcast Disclaimer:

This podcast is intended for educational and informational purposes only. As a financial coach, I share insights, strategies, and tools to help you make more confident decisions with your money—but personal finance is personal. Your situation, priorities, and goals are unique, and what works for one person may not be the right fit for you.

This content should not be considered financial, legal, or investment advice. I encourage you to seek guidance from a trusted financial professional who can understand your full financial picture and provide personalized recommendations.

Additionally, while we may discuss topics related to stress, habits, and behavior, I am not a licensed medical or mental health professional. Any insights shared are based on personal experience and research and are not intended to diagnose, treat, or replace professional medical or psychological advice. Please consult a qualified healthcare provider for support in those areas.

By listening to this podcast, you acknowledge that you are responsible for your own financial and personal decisions.

WHAT YOU WILL LEARN:

• Why budgeting failure isn’t about discipline
• How ADHD and “out of sight, out of mind” impacts money
• Why static budgets don’t work in real life
• How to simplify your budget into 3–5 core categories
• Practical ways to stay consistent without overwhelm

🎧 Work With Me

Ready to stop living paycheck to paycheck and finally feel in control of your money?

Whether you need personalized support, accountability, or a simple system that actually works with your ADHD brain, I've got you covered.

💰 1:1 Private Coaching – Personalized coaching to help you create a plan, pay off debt, and build lasting financial confidence.

🤝 Alliance Coaching Membership – Monthly coaching, community, and accountability to help you stay consistent.

🛒 Grocery Reset Playbook – Learn how to cut your grocery bill without living on ramen.

➡️ Learn more: ⁠https://www.jewlzthebudgetnerd.com/services⁠

Grab Your Free ADHD-Friendly Paycheck Planner

If payday comes and your money disappears before you know where it went, download my free ADHD-Friendly Paycheck Planner and give every dollar a job before you spend it.

⁠https://www.jewlzthebudgetnerd.com/guide⁠

Let's Hang Out on Threads

Follow Jewlz on Threads: ⁠https://www.threads.com/@jewlzthebudgetnerd⁠

Full Show Notes: https://www.jewlzthebudgetnerd.com/blog/why-cant-i-stick-to-a-budget

Podcast Disclaimer

This podcast is intended for educational and informational purposes only. As a financial coach, I share insights, strategies, and tools to help you make more confident decisions with your money—but personal finance is personal. Your situation, priorities, and goals are unique, and what works for one person may not be the right fit for you.

This content should not be considered financial, legal, or investment advice. I encourage you to seek guidance from a trusted financial professional who can understand your full financial picture and provide personalized recommendations.

Additionally, while we may discuss topics related to stress, habits, and behavior, I am not a licensed medical or mental health professional. Any insights shared are based on personal experience and research and are not intended to diagnose, treat, or replace professional medical or psychological advice. Please consult a qualified healthcare provider for support in those areas.

By listening to this podcast, you acknowledge that you are responsible for your own financial and personal decisions.

Dive into important conversations about judgmentfree finances and family budgeting while discovering how faith and love reshape the way adults with ADHD and families manage money effectively.

Bart shares inspiring stories from West Sound Youth for Christ, highlighting how financial fear and the pressure to chase wealth can be replaced by generosity and purposeful giving.

They discuss practical tips for balancing faith, financial planning for women and families, and cultivating a positive relationship with money that embraces forgiveness and growth.

This episode is perfect for anyone looking for no shame finance advice, including ADHD parents and individuals seeking debt reduction strategies and meaningful money education.

Learn why supporting the next generation through Youth for Christ creates lasting impact, and get motivated to take control of your financial future with hope and faith.

Support Youth for Christ here: https://westsoundyfc.org

If you find value in this conversation, please share it with friends and families eager to build financially intentional, faith-filled lives with practical budgeting and ADHD-friendly money management strategies.

In this episode, Jewlz breaks down why tax refunds vanish and shares judgment-free frameworks for choosing between debt payoff and spending.

Whether you've watched refunds slip away or you're ready to make a confident decision this year, learn practical ADHD budgeting strategies that respect how your brain actually works. No shame. Just real money moves.

You'll discover the biggest money mistakes people make, how emotional spending undermines progress, and the smartest ways to use your refund—whether to eliminate debt fast or build an emergency fund.

Tune in to learn when to prioritize paying off debt versus saving money effectively, and how one clear decision can create real financial momentum.

Plus, find out how the Alliance Coaching Membership supports your financial planning for women and ADHD parents through personalized debt coaching and practical budget plans.

Subscribe to join a community dedicated to no shame finance and learn ADHD-friendly money strategies that stick, helping you take control and achieve financial freedom.

🎧 Work With Me

Ready to stop living paycheck to paycheck and finally feel in control of your money?

Whether you need personalized support, accountability, or a simple system that actually works with your ADHD brain, I've got you covered.

💰 1:1 Private Coaching – Personalized coaching to help you create a plan, pay off debt, and build lasting financial confidence.

🤝 Alliance Coaching Membership – Monthly coaching, community, and accountability to help you stay consistent.

🛒 Grocery Reset Playbook – Learn how to cut your grocery bill without living on ramen.

➡️ Learn more: ⁠https://www.jewlzthebudgetnerd.com/services⁠

Grab Your Free ADHD-Friendly Paycheck Planner

If payday comes and your money disappears before you know where it went, download my free ADHD-Friendly Paycheck Planner and give every dollar a job before you spend it.

⁠https://www.jewlzthebudgetnerd.com/guide⁠

Let's Hang Out on Threads

Follow Jewlz on Threads: ⁠https://www.threads.com/@jewlzthebudgetnerd⁠

Full Show Notes: https://www.jewlzthebudgetnerd.com/blog/tax-refund-pay-off-debt

Disclaimer:

This podcast is intended for educational and informational purposes only. As a financial coach, I share insights, strategies, and tools to help you make more confident decisions with your money—but personal finance is personal. Your situation, priorities, and goals are unique, and what works for one person may not be the right fit for you.

This content should not be considered financial, legal, or investment advice. I encourage you to seek guidance from a trusted financial professional who can understand your full financial picture and provide personalized recommendations.

Additionally, while we may discuss topics related to stress, habits, and behavior, I am not a licensed medical or mental health professional. Any insights shared are based on personal experience and research and are not intended to diagnose, treat, or replace professional medical or psychological advice. Please consult a qualified healthcare provider for support in those areas.

By listening to this podcast, you acknowledge that you are responsible for your own financial and personal decisions.

This episode dives deep into debt reduction strategies tailored for adults with ADHD and anyone facing shame or emotional resistance around money.

You'll discover how to adopt a no shame finance approach and overcome all-or-nothing thinking, comparison traps, and emotional setbacks that keep you restarting your debt payoff plan.

Learn practical steps on how to build sustainable momentum with consistent, ADHD-friendly money management tactics, and how to plan for resistance without guilt.

Whether you're looking for debt coaching insights or ways to integrate family budgeting into your financial planning, this episode provides indispensable mindset shifts and tools for long-term success.

WHAT YOU WILL LEARN:

[00:00] Why debt payoff is a mindset endurance game — not just a math problem

[03:00] The dangers of all-or-nothing thinking and comparison traps

[08:00] Recognizing and managing emotional resistance during debt payoff

[14:00] How consistent progress compounds faster than urgent bursts

[18:00] Practical strategies: choosing a plan, setting realistic goals, and preparing for setbacks

🎧 Work With Me

Ready to stop living paycheck to paycheck and finally feel in control of your money?

Whether you need personalized support, accountability, or a simple system that actually works with your ADHD brain, I've got you covered.

💰 1:1 Private Coaching – Personalized coaching to help you create a plan, pay off debt, and build lasting financial confidence.

🤝 Alliance Coaching Membership – Monthly coaching, community, and accountability to help you stay consistent.

🛒 Grocery Reset Playbook – Learn how to cut your grocery bill without living on ramen.

➡️ Learn more: ⁠https://www.jewlzthebudgetnerd.com/services⁠

Grab Your Free ADHD-Friendly Paycheck Planner

If payday comes and your money disappears before you know where it went, download my free ADHD-Friendly Paycheck Planner and give every dollar a job before you spend it.

⁠https://www.jewlzthebudgetnerd.com/guide⁠

Let's Hang Out on Threads

Follow Jewlz on Threads: ⁠https://www.threads.com/@jewlzthebudgetnerd⁠

Full Show Notes: https://www.jewlzthebudgetnerd.com/blog/how-to-stay-motivated-during-debt-payoff

Disclaimer: This podcast is intended for educational and informational purposes only. As a financial coach, I share insights, strategies, and tools to help you make more confident decisions with your money—but personal finance is personal. Your situation, priorities, and goals are unique, and what works for one person may not be the right fit for you.

This content should not be considered financial, legal, or investment advice. I encourage you to seek guidance from a trusted financial professional who can understand your full financial picture and provide personalized recommendations.

Additionally, while we may discuss topics related to stress, habits, and behavior, I am not a licensed medical or mental health professional. Any insights shared are based on personal experience and research and are not intended to diagnose, treat, or replace professional medical or psychological advice. Please consult a qualified healthcare provider for support in those areas.

By listening to this podcast, you acknowledge that you are responsible for your own financial and personal decisions.

In this episode, we delve into the mental load of money avoidance, especially for adults with ADHD, and how it amplifies decision fatigue and relationship tension.

You'll discover actionable, judgment-free finances strategies designed specifically for neurodivergent money management.

Learn how quick, 15-minute actions can create clarity, reduce mental load, and replace financial avoidance with calm confidence.

Whether you're struggling with debt reduction strategies or need practical budgeting tips, this episode offers valuable insights to help you regain control over your money and your life.

🎧 Work With Me

Ready to stop living paycheck to paycheck and finally feel in control of your money?

Whether you need personalized support, accountability, or a simple system that actually works with your ADHD brain, I've got you covered.

💰 1:1 Private Coaching – Personalized coaching to help you create a plan, pay off debt, and build lasting financial confidence.

🤝 Alliance Coaching Membership – Monthly coaching, community, and accountability to help you stay consistent.

🛒 Grocery Reset Playbook – Learn how to cut your grocery bill without living on ramen.

➡️ Learn more: ⁠https://www.jewlzthebudgetnerd.com/services⁠

Grab Your Free ADHD-Friendly Paycheck Planner

If payday comes and your money disappears before you know where it went, download my free ADHD-Friendly Paycheck Planner and give every dollar a job before you spend it.

⁠https://www.jewlzthebudgetnerd.com/guide⁠

Let's Hang Out on Threads

Follow Jewlz on Threads: ⁠https://www.threads.com/@jewlzthebudgetnerd⁠

#BudgetMindset #FinancialClarity #ADHDMoneyManagement

Disclaimer: This podcast is intended for educational and informational purposes only. As a financial coach, I share insights, strategies, and tools to help you make more confident decisions with your money—but personal finance is personal. Your situation, priorities, and goals are unique, and what works for one person may not be the right fit for you.

This content should not be considered financial, legal, or investment advice. I encourage you to seek guidance from a trusted financial professional who can understand your full financial picture and provide personalized recommendations.

Additionally, while we may discuss topics related to stress, habits, and behavior, I am not a licensed medical or mental health professional. Any insights shared are based on personal experience and research and are not intended to diagnose, treat, or replace professional medical or psychological advice. Please consult a qualified healthcare provider for support in those areas.

By listening to this podcast, you acknowledge that you are responsible for your own financial and personal decisions.

Then it repeats next month, and the next. This isn't a willpower problem; it's a spending leak.

Discover the ADHD-friendly three-step reset that breaks the cycle without shame, extreme cuts, or perfect budgeting—using clarity, realistic numbers, and small adjustments that actually stick for busy moms.

WHAT YOU WILL LEARN:

• [01:00] Why families swipe for groceries (and it’s not recklessness)

• [03:30] The $700 vs. $1,000 underestimating mistake

• [05:30] The three-step reset: separate, track, adjust

• [07:45] Why raising your grocery budget can actually stop debt

• [09:30] How a small buffer eliminates week-three panic

If you’re tired of swiping for food and hoping it all works out later, the Grocery Reset Playbook will walk you through how to track, separate, and rebuild your food budget without guilt or overwhelm.

Get Grocery Reset Playbook now at jewlzthebudgetnerd.com/groceries and stop letting groceries run your money.

🎧 Work With Me

Ready to stop living paycheck to paycheck and finally feel in control of your money?

Whether you need personalized support, accountability, or a simple system that actually works with your ADHD brain, I've got you covered.

💰 1:1 Private Coaching – Personalized coaching to help you create a plan, pay off debt, and build lasting financial confidence.

🤝 Alliance Coaching Membership – Monthly coaching, community, and accountability to help you stay consistent.

🛒 Grocery Reset Playbook – Learn how to cut your grocery bill without living on ramen.

➡️ Learn more: ⁠https://www.jewlzthebudgetnerd.com/services⁠

Grab Your Free ADHD-Friendly Paycheck Planner

If payday comes and your money disappears before you know where it went, download my free ADHD-Friendly Paycheck Planner and give every dollar a job before you spend it.

⁠https://www.jewlzthebudgetnerd.com/guide⁠

Let's Hang Out on Threads

Follow Jewlz on Threads: ⁠https://www.threads.com/@jewlzthebudgetnerd⁠

Full Show Notes: https://www.jewlzthebudgetnerd.com/blog/stop-putting-groceries-on-credit-card

Disclaimer: This podcast is intended for educational and informational purposes only. As a financial coach, I share insights, strategies, and tools to help you make more confident decisions with your money—but personal finance is personal. Your situation, priorities, and goals are unique, and what works for one person may not be the right fit for you.

This content should not be considered financial, legal, or investment advice. I encourage you to seek guidance from a trusted financial professional who can understand your full financial picture and provide personalized recommendations.

Additionally, while we may discuss topics related to stress, habits, and behavior, I am not a licensed medical or mental health professional. Any insights shared are based on personal experience and research and are not intended to diagnose, treat, or replace professional medical or psychological advice. Please consult a qualified healthcare provider for support in those areas.

By listening to this podcast, you acknowledge that you are responsible for your own financial and personal decisions.

This practical money management episode walks you through how to uncover what you’re actually spending on food and how to reset your grocery budget without shame. You’ll learn how to separate categories, track for 30 days, and build margin for real-life busy seasons so groceries stop landing on credit cards.

WHAT YOU WILL LEARN:

[00:00] Why underestimating groceries — not irresponsibility — is the real problem

[02:00] How mixing groceries, eating out, and household items inflates your numbers

[04:30] The $700 vs. $1,100 mistake and how to find your real spending

[06:45] How to budget for a real week instead of an ideal month

[08:30] Why dialing in food first accelerates debt payoff and emergency fund growth

If you’re tired of swiping for food and hoping it all works out later, the Grocery Reset Playbook will walk you through how to track, separate, and rebuild your food budget without guilt or overwhelm.
Get it now at jewlzthebudgetnerd.com/groceries and stop letting groceries run your money.

🎧 Work With Me

Ready to stop living paycheck to paycheck and finally feel in control of your money?

Whether you need personalized support, accountability, or a simple system that actually works with your ADHD brain, I've got you covered.

💰 1:1 Private Coaching – Personalized coaching to help you create a plan, pay off debt, and build lasting financial confidence.

🤝 Alliance Coaching Membership – Monthly coaching, community, and accountability to help you stay consistent.

🛒 Grocery Reset Playbook – Learn how to cut your grocery bill without living on ramen.

➡️ Learn more: ⁠https://www.jewlzthebudgetnerd.com/services⁠

Grab Your Free ADHD-Friendly Paycheck Planner

If payday comes and your money disappears before you know where it went, download my free ADHD-Friendly Paycheck Planner and give every dollar a job before you spend it.

⁠https://www.jewlzthebudgetnerd.com/guide⁠

Let's Hang Out on Threads

Follow Jewlz on Threads: ⁠https://www.threads.com/@jewlzthebudgetnerd⁠

Disclaimer: This podcast is intended for educational and informational purposes only. As a financial coach, I share insights, strategies, and tools to help you make more confident decisions with your money—but personal finance is personal. Your situation, priorities, and goals are unique, and what works for one person may not be the right fit for you.

This content should not be considered financial, legal, or investment advice. I encourage you to seek guidance from a trusted financial professional who can understand your full financial picture and provide personalized recommendations.

Additionally, while we may discuss topics related to stress, habits, and behavior, I am not a licensed medical or mental health professional. Any insights shared are based on personal experience and research and are not intended to diagnose, treat, or replace professional medical or psychological advice. Please consult a qualified healthcare provider for support in those areas.

By listening to this podcast, you acknowledge that you are responsible for your own financial and personal decisions.

This episode dives deep into debt reduction strategies and demonstrates why celebrating financial wins, big and small, is the key to building momentum, especially if you’ve lived paycheck to paycheck or felt stuck for years. You'll learn how embracing a no shame finance mindset can help you overcome setbacks and stay motivated.

Discover why debt payoff is a marathon, not a sprint, and how small wins—like sticking to your grocery list or funding an emergency fund—compound over time. Learn why community and encouragement matter more than willpower and how celebrating progress helps you stop relying on credit cards for necessities. Plus, explore what actually keeps families consistent long enough to become debt free.

Jewlz also celebrates this milestone episode and shares the Debt Rebel community’s growing goal of paying off $1 million in debt by 2026. Join us by submitting your own wins so we can celebrate your progress together.

👉 If you’ve ever thought, “This will never work for me,” this episode might change everything.

Resources mentioned:

Submit your debt payoff wins + grab a free guide: ⁠debtrebelpodcast.com⁠

🎉 This episode is your reminder: progress counts—and you’re allowed to be proud of it.

🎧 Work With Me

Ready to stop living paycheck to paycheck and finally feel in control of your money?

Whether you need personalized support, accountability, or a simple system that actually works with your ADHD brain, I've got you covered.

💰 1:1 Private Coaching – Personalized coaching to help you create a plan, pay off debt, and build lasting financial confidence.

🤝 Alliance Coaching Membership – Monthly coaching, community, and accountability to help you stay consistent.

🛒 Grocery Reset Playbook – Learn how to cut your grocery bill without living on ramen.

➡️ Learn more: ⁠https://www.jewlzthebudgetnerd.com/services⁠

Grab Your Free ADHD-Friendly Paycheck Planner

If payday comes and your money disappears before you know where it went, download my free ADHD-Friendly Paycheck Planner and give every dollar a job before you spend it.

⁠https://www.jewlzthebudgetnerd.com/guide⁠

Let's Hang Out on Threads

Follow Jewlz on Threads: ⁠https://www.threads.com/@jewlzthebudgetnerd⁠

Disclaimer: This podcast is intended for educational and informational purposes only. As a financial coach, I share insights, strategies, and tools to help you make more confident decisions with your money—but personal finance is personal. Your situation, priorities, and goals are unique, and what works for one person may not be the right fit for you.

This content should not be considered financial, legal, or investment advice. I encourage you to seek guidance from a trusted financial professional who can understand your full financial picture and provide personalized recommendations.

Additionally, while we may discuss topics related to stress, habits, and behavior, I am not a licensed medical or mental health professional. Any insights shared are based on personal experience and research and are not intended to diagnose, treat, or replace professional medical or psychological advice. Please consult a qualified healthcare provider for support in those areas.

By listening to this podcast, you acknowledge that you are responsible for your own financial and personal decisions.

If money conversations feel tense or avoidable, this episode reveals why and gives you tools to reconnect through budgeting, not conflict.

You’ll learn:

• The 3 root causes of money arguments (and why they escalate so fast)

• How different money stories and upbringings create conflict

• Why not having a shared financial plan turns spending into personal attacks

• How stress and shame fuel defensiveness and shutdown

• Common money fight patterns like saver vs. spender, secrecy, and scorekeeping

• Why avoiding money talks creates pressure—not peace

Whether you’re married, single, or in a relationship, this episode will help you see money conflict as information, not failure—and show you how to start healthier, calmer conversations about finances.

Plus, I’m sharing my Date Night Money Questions (Use promo code POD) in the show notes to help you start talking about money without spreadsheets, guilt, or blowups in the cereal aisle.

🎧 Listen now and take the first step toward less tension, more clarity, and a financial plan that brings you together instead of pulling you apart.

Work With Me

Ready to stop living paycheck to paycheck and finally feel in control of your money?

Whether you need personalized support, accountability, or a simple system that actually works with your ADHD brain, I've got you covered.

💰 1:1 Private Coaching – Personalized coaching to help you create a plan, pay off debt, and build lasting financial confidence.

🤝 Alliance Coaching Membership – Monthly coaching, community, and accountability to help you stay consistent.

🛒 Grocery Reset Playbook – Learn how to cut your grocery bill without living on ramen.

➡️ Learn more: ⁠https://www.jewlzthebudgetnerd.com/services⁠

Grab Your Free ADHD-Friendly Paycheck Planner

If payday comes and your money disappears before you know where it went, download my free ADHD-Friendly Paycheck Planner and give every dollar a job before you spend it.

⁠https://www.jewlzthebudgetnerd.com/guide⁠

Let's Hang Out on Threads

Follow Jewlz on Threads: ⁠https://www.threads.com/@jewlzthebudgetnerd⁠

Disclaimer: This podcast is intended for educational and informational purposes only. As a financial coach, I share insights, strategies, and tools to help you make more confident decisions with your money—but personal finance is personal. Your situation, priorities, and goals are unique, and what works for one person may not be the right fit for you.

This content should not be considered financial, legal, or investment advice. I encourage you to seek guidance from a trusted financial professional who can understand your full financial picture and provide personalized recommendations.

Additionally, while we may discuss topics related to stress, habits, and behavior, I am not a licensed medical or mental health professional. Any insights shared are based on personal experience and research and are not intended to diagnose, treat, or replace professional medical or psychological advice. Please consult a qualified healthcare provider for support in those areas.

By listening to this podcast, you acknowledge that you are responsible for your own financial and personal decisions.

In this powerful conversation, Jewlz sits down with licensed trauma therapist Jessica Hammock, founder of Vibrant Voice, to unpack how money trauma shows up in everyday life—at the grocery store, at the gas pump, and in the way we talk to our kids about money.

This episode is especially for parents who want to break generational money patterns without passing stress, shame, or scarcity down to their children.

• What money trauma actually is (and why it’s not just “big T” trauma)

• Why budgeting can trigger anxiety, avoidance, or panic—even when the money is there

• How childhood messages like “we can’t afford that” shape adult spending behavior

• The nervous system signs that money stress is running the show

• How to shift money conversations with your kids from lack to choice

• Practical ways to help your children feel cared for without overspending

• A simple, powerful process to release inherited money beliefs and rewrite your money story

Jessica also shares therapist-backed tools for:

• Identifying where your money beliefs came from

• Letting go of guilt, shame, and secrecy around finances

• Creating safety, permission, and confidence around money decisions

If you’ve ever felt your heart race while swiping your debit card—or worried that your financial stress might become your child’s burden—this episode will feel like someone finally turned the lights on.

• Subscribe to the podcast so you don’t miss future episodes on parenting, money, and emotional wellbeing

• Share this episode with a mom who needs permission to do money differently

• Connect with Jessica Hammock at www.vibrantvoice.life

• Work with Jewlz to build a budget that supports your values—not your anxiety

You’re not broken. Your money story isn’t permanent.
And yes—your kids can inherit something better.

🎧 Hit play. Take a breath. Let’s rewrite the story.

Disclaimer: This podcast is intended for educational and informational purposes only. As a financial coach, I share insights, strategies, and tools to help you make more confident decisions with your money—but personal finance is personal. Your situation, priorities, and goals are unique, and what works for one person may not be the right fit for you.

This content should not be considered financial, legal, or investment advice. I encourage you to seek guidance from a trusted financial professional who can understand your full financial picture and provide personalized recommendations.

Additionally, while we may discuss topics related to stress, habits, and behavior, I am not a licensed medical or mental health professional. Any insights shared are based on personal experience and research and are not intended to diagnose, treat, or replace professional medical or psychological advice. Please consult a qualified healthcare provider for support in those areas.

By listening to this podcast, you acknowledge that you are responsible for your own financial and personal decisions.

Jewlz breaks down week by week what to focus on in your first 30 days: no chaos, no perfectionism, just simple systems that build lasting traction.

Stop trying to do everything. Start doing the right things.

We’re breaking it down week by week, including:

• Why the first 30 days are about stability, not speed

• The non-negotiable step most people skip (and regret)

• How to choose your debt payoff method—and stop switching plans

• How to reduce decisions so you don’t burn out

• What usually derails people in month one (and how to plan for it)

• Why motivation isn’t the problem—and never was

You’ll learn how to:
✔ Build a starter emergency fund
✔ Lock in your debt payoff plan (snowball, avalanche—pick one and stick with it)
✔ Set up a simple weekly money check-in (10–15 minutes, max)
✔ Expect resistance before it shows up
✔ Make progress without needing a “perfect” month

If you’ve ever thought:

• “I know what to do, I just can’t stay consistent”

• “I start strong and then life happens”

• “I should be further along by now”

…this episode is for you.

Option 1: Do it yourself
Use this episode as your month-one roadmap and start building momentum.

Option 2: Grab tools to make it easier
Download my Debt Payoff Tracker at jewlzthebudgetnerd.com to track progress and celebrate wins.

Option 3: Don’t do month one alone
Join the membership for coaching, accountability, and a community of parents paying off debt together—because support shortens the timeline and reduces restarts.

You don’t need more intensity.
You need consistency.

Progress compounds quietly—and month one sets the tone for everything that comes after.

🎧 Hit play and let’s build this the smart way.

Work With Me

Ready to stop living paycheck to paycheck and finally feel in control of your money?

Whether you need personalized support, accountability, or a simple system that actually works with your ADHD brain, I've got you covered.

💰 1:1 Private Coaching – Personalized coaching to help you create a plan, pay off debt, and build lasting financial confidence.

🤝 Alliance Coaching Membership – Monthly coaching, community, and accountability to help you stay consistent.

🛒 Grocery Reset Playbook – Learn how to cut your grocery bill without living on ramen.

➡️ Learn more: ⁠https://www.jewlzthebudgetnerd.com/services⁠

Grab Your Free ADHD-Friendly Paycheck Planner

If payday comes and your money disappears before you know where it went, download my free ADHD-Friendly Paycheck Planner and give every dollar a job before you spend it.

⁠https://www.jewlzthebudgetnerd.com/guide⁠

Let's Hang Out on Threads

Follow Jewlz on Threads: ⁠https://www.threads.com/@jewlzthebudgetnerd⁠

Disclaimer: This podcast is intended for educational and informational purposes only. As a financial coach, I share insights, strategies, and tools to help you make more confident decisions with your money—but personal finance is personal. Your situation, priorities, and goals are unique, and what works for one person may not be the right fit for you.

This content should not be considered financial, legal, or investment advice. I encourage you to seek guidance from a trusted financial professional who can understand your full financial picture and provide personalized recommendations.

Additionally, while we may discuss topics related to stress, habits, and behavior, I am not a licensed medical or mental health professional. Any insights shared are based on personal experience and research and are not intended to diagnose, treat, or replace professional medical or psychological advice. Please consult a qualified healthcare provider for support in those areas.

By listening to this podcast, you acknowledge that you are responsible for your own financial and personal decisions.

In this episode, I break down the three most common debt payoff paths—and who they actually work for—so you can stop guessing and start moving forward with confidence.

We’re covering:

• ✅ Debt Snowball – why it works so well for ADHD brains, burnt-out parents, and anyone who needs momentum

• ✅ Debt Avalanche – when math does matter and logic keeps you motivated

• ❌ The “Wing It” Method – why paying minimums and hoping for a miracle keeps families stuck

I’m also sharing:

• Why most people choose the wrong debt payoff method

• The real reason debt plans fail (hint: it’s not laziness or lack of discipline)

• What I wish I had done differently when my family was paying off $107,000 of debt

Here’s the truth: motivation fades—but systems don’t.
The best plan isn’t the “perfect” one. It’s the one you’ll still follow when life gets messy.

Option 1: Do it yourself
Pick a method, set reminders, and commit—progress may be slower, but it’s possible.

Option 2: Get fast clarity
Join my FREE 15 Minutes to Money Clarity workshop and I’ll help you choose the right plan for your real life.
➡️ Register at jewlzthebudgetnerd.com/workshop

Option 3: Get ongoing support
Join a community of parents eliminating debt with coaching, accountability, and adjustments when life happens—because doing this alone is the hard way.

You don’t need a perfect plan.
You need the right plan—and support to stick with it.
Clarity shows you the path. Support helps you walk it out.

🎧 Hit play and let’s stop winging it.

Work With Me

Ready to stop living paycheck to paycheck and finally feel in control of your money?

Whether you need personalized support, accountability, or a simple system that actually works with your ADHD brain, I've got you covered.

💰 1:1 Private Coaching – Personalized coaching to help you create a plan, pay off debt, and build lasting financial confidence.

🤝 Alliance Coaching Membership – Monthly coaching, community, and accountability to help you stay consistent.

🛒 Grocery Reset Playbook – Learn how to cut your grocery bill without living on ramen.

➡️ Learn more: ⁠https://www.jewlzthebudgetnerd.com/services⁠

Grab Your Free ADHD-Friendly Paycheck Planner

If payday comes and your money disappears before you know where it went, download my free ADHD-Friendly Paycheck Planner and give every dollar a job before you spend it.

⁠https://www.jewlzthebudgetnerd.com/guide⁠

Let's Hang Out on Threads

Follow Jewlz on Threads: ⁠https://www.threads.com/@jewlzthebudgetnerd⁠

Disclaimer: This podcast is intended for educational and informational purposes only. As a financial coach, I share insights, strategies, and tools to help you make more confident decisions with your money—but personal finance is personal. Your situation, priorities, and goals are unique, and what works for one person may not be the right fit for you.

This content should not be considered financial, legal, or investment advice. I encourage you to seek guidance from a trusted financial professional who can understand your full financial picture and provide personalized recommendations.

Additionally, while we may discuss topics related to stress, habits, and behavior, I am not a licensed medical or mental health professional. Any insights shared are based on personal experience and research and are not intended to diagnose, treat, or replace professional medical or psychological advice. Please consult a qualified healthcare provider for support in those areas.

By listening to this podcast, you acknowledge that you are responsible for your own financial and personal decisions.

Debt is often the invisible anchor holding families back — not because they’re bad with money, but because they don’t have clear numbers. In this episode of The Debt Rebel Show, Jewlz The Budget Nerd breaks down what actually counts as debt, how to find every balance you owe, and the first step to creating a plan to eliminate it.

You’ll learn:
• What does and doesn’t count as debt (yes, Buy Now Pay Later counts)
• Common excuses that keep families stuck in the debt cycle
• Where to find all your debt numbers in just 15 minutes
• Why zero-interest debt still affects your cash flow and mental energy
• How to get clarity without overwhelm, shame, or perfection

This episode is all about awareness, not action. No calling creditors. No payoff math. Just getting honest with the numbers so you can finally move forward with confidence.

🎧 Work With Me

Ready to stop living paycheck to paycheck and finally feel in control of your money?

Whether you need personalized support, accountability, or a simple system that actually works with your ADHD brain, I've got you covered.

💰 1:1 Private Coaching – Personalized coaching to help you create a plan, pay off debt, and build lasting financial confidence.

🤝 Alliance Coaching Membership – Monthly coaching, community, and accountability to help you stay consistent.

🛒 Grocery Reset Playbook – Learn how to cut your grocery bill without living on ramen.

➡️ Learn more: ⁠https://www.jewlzthebudgetnerd.com/services⁠

Grab Your Free ADHD-Friendly Paycheck Planner

If payday comes and your money disappears before you know where it went, download my free ADHD-Friendly Paycheck Planner and give every dollar a job before you spend it.

⁠https://www.jewlzthebudgetnerd.com/guide⁠

Let's Hang Out on Threads

Follow Jewlz on Threads: ⁠https://www.threads.com/@jewlzthebudgetnerd⁠

Disclaimer: This podcast is intended for educational and informational purposes only. As a financial coach, I share insights, strategies, and tools to help you make more confident decisions with your money—but personal finance is personal. Your situation, priorities, and goals are unique, and what works for one person may not be the right fit for you.

This content should not be considered financial, legal, or investment advice. I encourage you to seek guidance from a trusted financial professional who can understand your full financial picture and provide personalized recommendations.

Additionally, while we may discuss topics related to stress, habits, and behavior, I am not a licensed medical or mental health professional. Any insights shared are based on personal experience and research and are not intended to diagnose, treat, or replace professional medical or psychological advice. Please consult a qualified healthcare provider for support in those areas.

By listening to this podcast, you acknowledge that you are responsible for your own financial and personal decisions.

🎧 Work With Me

Ready to stop living paycheck to paycheck and finally feel in control of your money?

Whether you need personalized support, accountability, or a simple system that actually works with your ADHD brain, I've got you covered.

💰 1:1 Private Coaching – Personalized coaching to help you create a plan, pay off debt, and build lasting financial confidence.

🤝 Alliance Coaching Membership – Monthly coaching, community, and accountability to help you stay consistent.

🛒 Grocery Reset Playbook – Learn how to cut your grocery bill without living on ramen.

➡️ Learn more: https://www.jewlzthebudgetnerd.com/services

Grab Your Free ADHD-Friendly Paycheck Planner

If payday comes and your money disappears before you know where it went, download my free ADHD-Friendly Paycheck Planner and give every dollar a job before you spend it.

https://www.jewlzthebudgetnerd.com/guide

Let's Hang Out on Threads

Follow Jewlz on Threads: https://www.threads.com/@jewlzthebudgetnerd

Full Show Notes: https://www.jewlzthebudgetnerd.com/blog/prepare-your-money-for-the-new-year

Disclaimer: This podcast is intended for educational and informational purposes only. As a financial coach, I share insights, strategies, and tools to help you make more confident decisions with your money—but personal finance is personal. Your situation, priorities, and goals are unique, and what works for one person may not be the right fit for you.

This content should not be considered financial, legal, or investment advice. I encourage you to seek guidance from a trusted financial professional who can understand your full financial picture and provide personalized recommendations.

Additionally, while we may discuss topics related to stress, habits, and behavior, I am not a licensed medical or mental health professional. Any insights shared are based on personal experience and research and are not intended to diagnose, treat, or replace professional medical or psychological advice. Please consult a qualified healthcare provider for support in those areas.

By listening to this podcast, you acknowledge that you are responsible for your own financial and personal decisions.

Life throws financial surprises, and without practical budgeting and solid money management systems, it’s easy to feel stuck and overwhelmed. If traditional budgeting hasn’t worked, this episode offers an ADHD-friendly approach designed to fit your life.

You’ll learn how an ADHD money coach approaches managing money with kindness rather than perfection, the difference between emergency and sinking funds, how to create simple systems that eliminate debt fast with a realistic snowball strategy, and ways to automate your finances to ease decision fatigue.

Perfect for adults with ADHD, busy parents managing family budgeting, and anyone eager for judgment-free financial coaching, this episode empowers you to build a money system that sticks.

Free Resource:

Debt Rebel Starter Kit – a beginner-friendly budgeting system created by an ADHD money coach

👉 DebtRebelPodcast.com

🎧 Related Episodes:

Credit Card Debt: The Rebel’s Guide to Paying It Off 10x Faster

Why You Keep Sabotaging Your Budget: The Psychology Behind Your Money Habits

Take the next step and download the Debt Rebel Starter Kit to start your journey to financial confidence today!

Disclaimer: This podcast is intended for educational and informational purposes only. As a financial coach, I share insights, strategies, and tools to help you make more confident decisions with your money—but personal finance is personal. Your situation, priorities, and goals are unique, and what works for one person may not be the right fit for you.

This content should not be considered financial, legal, or investment advice. I encourage you to seek guidance from a trusted financial professional who can understand your full financial picture and provide personalized recommendations.

Additionally, while we may discuss topics related to stress, habits, and behavior, I am not a licensed medical or mental health professional. Any insights shared are based on personal experience and research and are not intended to diagnose, treat, or replace professional medical or psychological advice. Please consult a qualified healthcare provider for support in those areas.

By listening to this podcast, you acknowledge that you are responsible for your own financial and personal decisions.

From handling the 2025 government shutdown with an emergency fund (yes, it saved the day) to navigating rising costs, emotional budgeting triggers, and unexpected life detours — this episode is your personal Money Wrapped for the year. No shame. No fluff. Just honest stories, practical insights, and real encouragement to help you stay consistent and financially grounded.

You’ll hear:
✔ Why consistency beats perfection every single time
✔ How real families avoided debt during major crises
✔ Why upgrading your budget yearly is non-negotiable
✔ How emotional decision-making sabotages financial peace
✔ Encouraging wins from community members who stayed the course

🎧 Work With Me

Ready to stop living paycheck to paycheck and finally feel in control of your money?

Whether you need personalized support, accountability, or a simple system that actually works with your ADHD brain, I've got you covered.

💰 1:1 Private Coaching – Personalized coaching to help you create a plan, pay off debt, and build lasting financial confidence.

🤝 Alliance Coaching Membership – Monthly coaching, community, and accountability to help you stay consistent.

🛒 Grocery Reset Playbook – Learn how to cut your grocery bill without living on ramen.

➡️ Learn more: ⁠https://www.jewlzthebudgetnerd.com/services⁠

Grab Your Free ADHD-Friendly Paycheck Planner

If payday comes and your money disappears before you know where it went, download my free ADHD-Friendly Paycheck Planner and give every dollar a job before you spend it.

⁠https://www.jewlzthebudgetnerd.com/guide⁠

Let's Hang Out on Threads

Follow Jewlz on Threads: ⁠https://www.threads.com/@jewlzthebudgetnerd⁠

Disclaimer: This podcast is intended for educational and informational purposes only. As a financial coach, I share insights, strategies, and tools to help you make more confident decisions with your money—but personal finance is personal. Your situation, priorities, and goals are unique, and what works for one person may not be the right fit for you.

This content should not be considered financial, legal, or investment advice. I encourage you to seek guidance from a trusted financial professional who can understand your full financial picture and provide personalized recommendations.

Additionally, while we may discuss topics related to stress, habits, and behavior, I am not a licensed medical or mental health professional. Any insights shared are based on personal experience and research and are not intended to diagnose, treat, or replace professional medical or psychological advice. Please consult a qualified healthcare provider for support in those areas.

By listening to this podcast, you acknowledge that you are responsible for your own financial and personal decisions.

In this episode, Jewlz The Budget Nerd, a financial coach specializing in ADHD-friendly strategies, challenges the traditional rule of never spending outside your budget.

Learn how to apply practical, judgment-free finances and family budgeting techniques that adapt to real-life expenses without losing momentum on your debt reduction journey.

Whether you’re dealing with surprise school expenses or unexpected financial commitments, find out how to eliminate debt fast while building confidence and avoiding common money mistakes.

Perfect for parents with ADHD, working families, and anyone eager to improve their money system with no shame finance principles. Grab your coffee and join us for an insightful conversation that helps you create a budget that works with your life—not against it.

🎧 Work With Me

Ready to stop living paycheck to paycheck and finally feel in control of your money?

Whether you need personalized support, accountability, or a simple system that actually works with your ADHD brain, I've got you covered.

💰 1:1 Private Coaching – Personalized coaching to help you create a plan, pay off debt, and build lasting financial confidence.

🤝 Alliance Coaching Membership – Monthly coaching, community, and accountability to help you stay consistent.

🛒 Grocery Reset Playbook – Learn how to cut your grocery bill without living on ramen.

➡️ Learn more: ⁠https://www.jewlzthebudgetnerd.com/services⁠

Grab Your Free ADHD-Friendly Paycheck Planner

If payday comes and your money disappears before you know where it went, download my free ADHD-Friendly Paycheck Planner and give every dollar a job before you spend it.

⁠https://www.jewlzthebudgetnerd.com/guide⁠

Let's Hang Out on Threads

Follow Jewlz on Threads: ⁠https://www.threads.com/@jewlzthebudgetnerd⁠

Disclaimer: This podcast is intended for educational and informational purposes only. As a financial coach, I share insights, strategies, and tools to help you make more confident decisions with your money—but personal finance is personal. Your situation, priorities, and goals are unique, and what works for one person may not be the right fit for you.

This content should not be considered financial, legal, or investment advice. I encourage you to seek guidance from a trusted financial professional who can understand your full financial picture and provide personalized recommendations.

Additionally, while we may discuss topics related to stress, habits, and behavior, I am not a licensed medical or mental health professional. Any insights shared are based on personal experience and research and are not intended to diagnose, treat, or replace professional medical or psychological advice. Please consult a qualified healthcare provider for support in those areas.

By listening to this podcast, you acknowledge that you are responsible for your own financial and personal decisions.

In this episode of Debt Rebel: ADHD-Friendly Money Management Strategies, Jewlz discusses the emotional, financial, and family toll debt takes, sharing powerful insights into debt reduction strategies and family budgeting techniques that can help you regain control.

Jewlz breaks down how debt affects adults with ADHD and neurodivergent families differently, exploring practical budgeting and judgmentfree finances that remove shame and empower you to take back your money. Drawing from her own experience eliminating over $107,000 of consumer debt, she illustrates turning points that sparked change and transformed her family's future.

You’ll learn:

- The emotional and psychological impact of debt (even when you "manage" it well)

- How debt damages confidence and decision-making

- Ways debt steals family time, flexibility, and future options

- What life looks like when you start funding your values instead of financing your lifestyle

- Why becoming debt-free can feel like giving yourself a raise

Plus, get inspired by the community goal to eliminate $1,000,000 of debt by 2026.

If you’re ready to ditch financial stress and embrace shame-free financial coaching, this episode is the wake-up call you didn’t know you needed.

🎧 Work With Me

Ready to stop living paycheck to paycheck and finally feel in control of your money?

Whether you need personalized support, accountability, or a simple system that actually works with your ADHD brain, I've got you covered.

💰 1:1 Private Coaching – Personalized coaching to help you create a plan, pay off debt, and build lasting financial confidence.

🤝 Alliance Coaching Membership – Monthly coaching, community, and accountability to help you stay consistent.

🛒 Grocery Reset Playbook – Learn how to cut your grocery bill without living on ramen.

➡️ Learn more: ⁠https://www.jewlzthebudgetnerd.com/services⁠

Grab Your Free ADHD-Friendly Paycheck Planner

If payday comes and your money disappears before you know where it went, download my free ADHD-Friendly Paycheck Planner and give every dollar a job before you spend it.

⁠https://www.jewlzthebudgetnerd.com/guide⁠

Let's Hang Out on Threads

Follow Jewlz on Threads: ⁠https://www.threads.com/@jewlzthebudgetnerd⁠

Disclaimer: This podcast is intended for educational and informational purposes only. As a financial coach, I share insights, strategies, and tools to help you make more confident decisions with your money—but personal finance is personal. Your situation, priorities, and goals are unique, and what works for one person may not be the right fit for you.

This content should not be considered financial, legal, or investment advice. I encourage you to seek guidance from a trusted financial professional who can understand your full financial picture and provide personalized recommendations.

Additionally, while we may discuss topics related to stress, habits, and behavior, I am not a licensed medical or mental health professional. Any insights shared are based on personal experience and research and are not intended to diagnose, treat, or replace professional medical or psychological advice. Please consult a qualified healthcare provider for support in those areas.

By listening to this podcast, you acknowledge that you are responsible for your own financial and personal decisions.

But for ADHD brains, BNPL is a spending leak that hides big debt in plain sight.

Jewlz reveals why these "small" payments sabotage family budgets, spike impulse spending, and quietly wreck your financial goals—plus how to protect your money from BNPL traps.

Discover how BNPL impacts your cash flow and mental wellbeing, and why it conditions your brain to normalize debt, especially for adults with ADHD managing money.

Jewlz shares tough-love, judgmentfree finances advice tailored for working parents who want to stop living paycheck to paycheck.

Learn actionable debt reduction strategies and practical budgeting tips to regain control without shame or gimmicks.

If you’re ready to eliminate debt fast and establish strong money management habits, this episode is your essential guide to understanding and overcoming the pitfalls of Buy Now, Pay Later.

Join Jewlz, a Certified Financial Coach who has personally paid off over $107,000 in consumer debt, and start building financial freedom today.

🎧 Work With Me

Ready to stop living paycheck to paycheck and finally feel in control of your money?

Whether you need personalized support, accountability, or a simple system that actually works with your ADHD brain, I've got you covered.

💰 1:1 Private Coaching – Personalized coaching to help you create a plan, pay off debt, and build lasting financial confidence.

🤝 Alliance Coaching Membership – Monthly coaching, community, and accountability to help you stay consistent.

🛒 Grocery Reset Playbook – Learn how to cut your grocery bill without living on ramen.

➡️ Learn more: ⁠https://www.jewlzthebudgetnerd.com/services⁠

Grab Your Free ADHD-Friendly Paycheck Planner

If payday comes and your money disappears before you know where it went, download my free ADHD-Friendly Paycheck Planner and give every dollar a job before you spend it.

⁠https://www.jewlzthebudgetnerd.com/guide⁠

Let's Hang Out on Threads

Follow Jewlz on Threads: ⁠https://www.threads.com/@jewlzthebudgetnerd⁠

Disclaimer: This podcast is intended for educational and informational purposes only. As a financial coach, I share insights, strategies, and tools to help you make more confident decisions with your money—but personal finance is personal. Your situation, priorities, and goals are unique, and what works for one person may not be the right fit for you.

This content should not be considered financial, legal, or investment advice. I encourage you to seek guidance from a trusted financial professional who can understand your full financial picture and provide personalized recommendations.

Additionally, while we may discuss topics related to stress, habits, and behavior, I am not a licensed medical or mental health professional. Any insights shared are based on personal experience and research and are not intended to diagnose, treat, or replace professional medical or psychological advice. Please consult a qualified healthcare provider for support in those areas.

By listening to this podcast, you acknowledge that you are responsible for your own financial and personal decisions.

In this episode of The Debt Rebel Podcast, Jewlz breaks down four ADHD-friendly spending strategies every family can use to stay intentional, avoid credit card stress, and actually enjoy the holidays without the financial hangover.

If you've ever felt hijacked by marketing emails or surprised by your December credit card bill, this one's for you—simple systems designed for how your neurodivergent brain actually works, not how it "should" work.

• How to create a guilt-free gift list that keeps spending in check

• The inbox hack that blocks impulse buying (and still lets you snag legit deals)

• Why timers are your best friend for online shopping and time blindness

• How a personal shopping deadline protects your time, money, and mental energy

• How to enjoy the holidays without ditching joy, generosity, or your financial goals

Jewlz also shares real-life stories from her family’s $107,000 debt-free journey, including the years she and her husband skipped gifts to protect the bigger goal—financial freedom.

• You’re a working parent trying to stay on budget

• You’re overwhelmed by holiday pressure

• You struggle with online shopping temptation

• You want a holiday season filled with joy, not financial stress

🎁 Grab the FREE ADHD Paycheck Planner: DebtRebelPodcast.com

If this episode helped you breathe easier about holiday spending, share it with a friend, leave a review, and subscribe so you never miss an episode.

Your debt-free life starts with one brave step—and you’re already taking it.

🎧 Work With Me

Ready to stop living paycheck to paycheck and finally feel in control of your money?

Whether you need personalized support, accountability, or a simple system that actually works with your ADHD brain, I've got you covered.

💰 1:1 Private Coaching – Personalized coaching to help you create a plan, pay off debt, and build lasting financial confidence.

🤝 Alliance Coaching Membership – Monthly coaching, community, and accountability to help you stay consistent.

🛒 Grocery Reset Playbook – Learn how to cut your grocery bill without living on ramen.

➡️ Learn more: ⁠https://www.jewlzthebudgetnerd.com/services⁠

Grab Your Free ADHD-Friendly Paycheck Planner

If payday comes and your money disappears before you know where it went, download my free ADHD-Friendly Paycheck Planner and give every dollar a job before you spend it.

⁠https://www.jewlzthebudgetnerd.com/guide⁠

Let's Hang Out on Threads

Follow Jewlz on Threads: ⁠https://www.threads.com/@jewlzthebudgetnerd⁠

Disclaimer: This podcast is intended for educational and informational purposes only. As a financial coach, I share insights, strategies, and tools to help you make more confident decisions with your money—but personal finance is personal. Your situation, priorities, and goals are unique, and what works for one person may not be the right fit for you.

This content should not be considered financial, legal, or investment advice. I encourage you to seek guidance from a trusted financial professional who can understand your full financial picture and provide personalized recommendations.

Additionally, while we may discuss topics related to stress, habits, and behavior, I am not a licensed medical or mental health professional. Any insights shared are based on personal experience and research and are not intended to diagnose, treat, or replace professional medical or psychological advice. Please consult a qualified healthcare provider for support in those areas.

By listening to this podcast, you acknowledge that you are responsible for your own financial and personal decisions.

In this episode, I expose how retailers hijack ADHD brains with deal dopamine, why the savings were actually spending leaks, and the concrete budgeting systems that finally let me skip Black Friday guilt-free.

If you're tired of letting sales manipulate your spending, this one's for you.

You’ll hear:

• The moment I realized Black Friday was costing me more than it saved

• Why “crazy deals” trigger emotional spending

• How I shifted from impulsive shopping to intentional spending

• Simple steps to avoid holiday budget traps and stay in control this season

If you’ve ever justified a purchase because it was “such a good deal,” this episode is your sign to pause, breathe, and rethink what actually serves your family and financial goals.

👉 Ready to ditch the guilt, spend with purpose, and build real margin in your life? Hit play.

🎧 Work With Me

Ready to stop living paycheck to paycheck and finally feel in control of your money?

Whether you need personalized support, accountability, or a simple system that actually works with your ADHD brain, I've got you covered.

💰 1:1 Private Coaching – Personalized coaching to help you create a plan, pay off debt, and build lasting financial confidence.

🤝 Alliance Coaching Membership – Monthly coaching, community, and accountability to help you stay consistent.

🛒 Grocery Reset Playbook – Learn how to cut your grocery bill without living on ramen.

➡️ Learn more: ⁠https://www.jewlzthebudgetnerd.com/services⁠

Grab Your Free ADHD-Friendly Paycheck Planner

If payday comes and your money disappears before you know where it went, download my free ADHD-Friendly Paycheck Planner and give every dollar a job before you spend it.

⁠https://www.jewlzthebudgetnerd.com/guide⁠

Let's Hang Out on Threads

Follow Jewlz on Threads: ⁠https://www.threads.com/@jewlzthebudgetnerd⁠

Disclaimer: This podcast is intended for educational and informational purposes only. As a financial coach, I share insights, strategies, and tools to help you make more confident decisions with your money—but personal finance is personal. Your situation, priorities, and goals are unique, and what works for one person may not be the right fit for you.

This content should not be considered financial, legal, or investment advice. I encourage you to seek guidance from a trusted financial professional who can understand your full financial picture and provide personalized recommendations.

Additionally, while we may discuss topics related to stress, habits, and behavior, I am not a licensed medical or mental health professional. Any insights shared are based on personal experience and research and are not intended to diagnose, treat, or replace professional medical or psychological advice. Please consult a qualified healthcare provider for support in those areas.

By listening to this podcast, you acknowledge that you are responsible for your own financial and personal decisions.

You’ll learn:

• Why so many of us feel shame around money conversations

• How to start a safe financial conversation with family (without drama)

• The powerful role of boundaries in building healthy money habits

• What to do when a loved one won’t change their spending habits

• How repairing relationships with money leads to peace at home

• “Things left in the dark stay there — when we bring them into the light, we can finally fix them.”

• Setting healthy money boundaries isn’t cruel — it’s kindness with clarity.

• You can’t control how others handle money, but you can control how you respond.

• Talking about money doesn’t have to be heavy — it can actually bring healing and freedom.

• Book: Boundaries by Dr. Henry Cloud & Dr. John Townsend

• Related Episode: When the Bank of Mom and Dad Closes: https://www.jewlzthebudgetnerd.com/blog/setting-financial-boundaries-with-your-kids

• Join The Alliance for a free experience week (Nov 12–19, 2025): jewlzthebudgetnerd.com

If you’re ready to stop living paycheck to paycheck, crush your family’s debt, and find financial peace, join The Alliance Coaching Membership — your community for family budgeting, financial growth, and support.

👉 Join here or visit DebtRebelPodcast.com

🧵 Threads: @jewlzthebudgetnerd
🌐 Website: jewlzthebudgetnerd.com

🎧 Subscribe to The Debt Rebel Podcast for weekly episodes that help your family break free from debt and build lasting financial peace.

Disclaimer: This podcast is intended for educational and informational purposes only. As a financial coach, I share insights, strategies, and tools to help you make more confident decisions with your money—but personal finance is personal. Your situation, priorities, and goals are unique, and what works for one person may not be the right fit for you.

This content should not be considered financial, legal, or investment advice. I encourage you to seek guidance from a trusted financial professional who can understand your full financial picture and provide personalized recommendations.

Additionally, while we may discuss topics related to stress, habits, and behavior, I am not a licensed medical or mental health professional. Any insights shared are based on personal experience and research and are not intended to diagnose, treat, or replace professional medical or psychological advice. Please consult a qualified healthcare provider for support in those areas.

By listening to this podcast, you acknowledge that you are responsible for your own financial and personal decisions.

Tired of starting January with a holiday spending hangover? In this episode, Jewlz the Budget Nerd shares five no-fluff hacks to help you enjoy Christmas without debt or guilt.

You’ll learn how to:
🎁 Set a realistic holiday spending cap and actually stick to it
💰 Build a last-minute Christmas sinking fund
🧣 Simplify gift-giving with healthy boundaries
✨ Create low-cost, memory-filled family traditions

Because your kids won’t remember the price tag—they’ll remember the moments.

If you’re ready to trade overspending for intentional joy, this episode will help you plan, save, and celebrate—credit card not required.

🎧 Listen now and grab your free Debt Rebel Starter Kit at DebtRebelPodcast.com.

KEY TAKEAWAYS:Jewlz reminds listeners that your kids won’t remember the price tag—they’ll remember the time you spent together. This episode will help you trade financial guilt for intentional joy this holiday season.

• Set your spending limit early and treat it like a boundary, not a suggestion.

• Even small weekly savings add up before the holidays.

• Focus on meaning over money—your kids want your time, not your receipts.

• Memories matter more than matching pajamas from Target (yes, even the cute ones).

• Tracking as you go = no post-holiday regret.

RESOURCES & LINKS MENTIONED:

• 💡 Get your FREE Debt Rebel Starter Kit → DebtRebelPodcast.com

• 🎯 Join the Alliance Coaching Program for step-by-step money guidance → JewlzTheBudgetNerd.com/membership

• 📱 Use EveryDollar App (or any budgeting app you love) to track spending

• 🍪 Bonus idea: make cocoa, grab your thermos, and do a family Christmas lights drive night—free, fun, and memory-filled!

  
  

• 🎙️ Listen to more episodes: DebtRebelPodcast.com

• 💻 Work with Jewlz: JewlzTheBudgetNerd.com

• 💌 Subscribe & Review: Leave a 5-star review to help other families find financial freedom faster

Disclaimer: This podcast is intended for educational and informational purposes only. As a financial coach, I share insights, strategies, and tools to help you make more confident decisions with your money—but personal finance is personal. Your situation, priorities, and goals are unique, and what works for one person may not be the right fit for you.

This content should not be considered financial, legal, or investment advice. I encourage you to seek guidance from a trusted financial professional who can understand your full financial picture and provide personalized recommendations.

Additionally, while we may discuss topics related to stress, habits, and behavior, I am not a licensed medical or mental health professional. Any insights shared are based on personal experience and research and are not intended to diagnose, treat, or replace professional medical or psychological advice. Please consult a qualified healthcare provider for support in those areas.

By listening to this podcast, you acknowledge that you are responsible for your own financial and personal decisions.

I dive into real questions from members of the Alliance Coaching Program, covering topics like:

• Creating a survival mode budget to prioritize essentials: roof over your head, food on the table, and transportation.

• Managing debt and understanding the role of credit scores during financial uncertainty.

• Emergency funds vs. debt payoff vs. investing—what to tackle first.

• How to communicate with creditors when income is unstable.

• Month-to-month budgeting adjustments when life and finances shift unexpectedly.

Plus, I give you a behind-the-scenes look at Alliance Coaching Program office hours, sharing how members get personalized answers to their money questions every month—and how you can join too.

💡 If you’re ready to stop living paycheck-to-paycheck and finally build a debt-free, stress-free financial life, this episode is packed with actionable tips to take immediate control of your finances.

Resources & Links Mentioned in This Episode:

• Join the Alliance Coaching Program: jewlzthebudgetnerd.com/membership

• Free Debt Rebel Starter Kit: DebtRebelPodcast.com

• Submit questions via voice memo: speakpipe.com/debtrebelpodcast

• Budgeting tip: SuperCook.com – turn what’s in your pantry into easy meals

Key Takeaways:

1. Your emergency fund is the first line of defense—before debt payoff or investing.

2. Essentials come first: housing, utilities, transportation, food, and healthcare.

3. Pause discretionary spending and additional debt payments if your income is unstable.

4. Communicate proactively with creditors if your income is affected.

5. Use a budget as a tool to pause and respond, not react, to financial emergencies.

Connect with Me:

• Website & Resources: DebtRebelPodcast.com

• Join our community & monthly coaching: jewlzthebudgetnerd.com/membership

• Subscribe & leave a review on Apple Podcasts to help other families take control of their finances

Disclaimer: This podcast is intended for educational and informational purposes only. As a financial coach, I share insights, strategies, and tools to help you make more confident decisions with your money—but personal finance is personal. Your situation, priorities, and goals are unique, and what works for one person may not be the right fit for you.

This content should not be considered financial, legal, or investment advice. I encourage you to seek guidance from a trusted financial professional who can understand your full financial picture and provide personalized recommendations.

Additionally, while we may discuss topics related to stress, habits, and behavior, I am not a licensed medical or mental health professional. Any insights shared are based on personal experience and research and are not intended to diagnose, treat, or replace professional medical or psychological advice. Please consult a qualified healthcare provider for support in those areas.

By listening to this podcast, you acknowledge that you are responsible for your own financial and personal decisions.

In just 15 minutes, Jewlz the Budget Nerd walks you through how to:
✅ Pick ONE area to focus on (so you actually make progress)
✅ Make simple, ADHD-friendly tweaks to your budget that stick
✅ Reduce stress around groceries, gas, and housing—the big three budget-busters
✅ Create momentum with short, focused check-ins that take less time than scrolling Pinterest

Whether you’re managing ADHD, juggling kids, or just short on time, this episode proves that small, consistent actions lead to massive money wins.

🎧 Work With Me

In this episode of The Debt Rebel Show, Julian "Jewlz The Budget Nerd" Kohlbrand shares actionable steps to move from financial panic to peace of mind. You’ll learn how to:

• Break the cycle of living paycheck to paycheck

• Build your first emergency fund—even on a tight budget

• Protect your family and your peace of mind with financial margin

• Identify what truly counts as a financial emergency

• Celebrate small wins and create lasting financial habits

Julian draws from personal experience, having eliminated over $107,000 in consumer debt, and combines practical budgeting strategies with ADHD-friendly systems for busy families. Whether you’re juggling unpredictable income or just want to take control of your money, this episode gives you a step-by-step plan to stop surviving and start thriving.

🎯 Resources Mentioned in This Episode:

• Grab your free Debt Rebel Starter Kit: jewlzthebudgetnerd.com/starterkit

• Join the Alliance Coaching Program for ongoing accountability and on-demand workshops: jewlzthebudgetnerd.com/membership

💡 Action Step:
Start building your emergency fund today—whether it’s $25 or $100 a paycheck, every deposit is a step toward financial freedom. Share your wins with Julian by sending a voice note—she loves celebrating progress with listeners!

https://www.speakpipe.com/debtrebelpodcast

Between rising costs and government shutdown chaos, it’s easy to feel powerless — but here’s the truth:

Peace with your money doesn’t depend on the headlines. It depends on you.

In this episode of The Debt Rebel Podcast, Jewlz the Budget Nerd shares a timely clip from her Financial Peace in Uncertain Times workshop — a practical, encouraging guide to help working families slim down expenses, prepare for uncertain income, and breathe again when finances feel shaky.

Whether you’re facing a government furlough, reduced hours, or just feeling the ripple effects of economic instability, this short, powerful episode will help you:

• Create a shutdown survival budget that keeps food on the table and bills paid

• Shift from panic mode to proactive mode

• Find financial peace even when the world feels chaotic

• Stay grounded in your values instead of reacting to the noise

  
  

💡 Mentioned in this episode:
👉 Watch the full Financial Peace in Uncertain Times workshop + download the exercises: jewlzthebudgetnerd.com/peace
👉 Listen to [Episode 53: How Headlines and Social Media Mess with Your Money Mindset] for more perspective

Hosted by Julian “Jewlz the Budget Nerd” Kohlbrand, The Debt Rebel Podcast helps working families stop living paycheck to paycheck, crush debt for good, and build financial peace — all without debt, shame, or overwhelm. Jewlz and her family paid off over $107,000 in consumer debt, and now she’s teaching others to do the same.

Visit DebtRebelPodcast.com for free tools, resources, and workshops to help you take your next brave step toward debt freedom.

👉 Don’t forget to subscribe, rate, and share this episode with a friend who needs some peace (and hope) in their finances today.

💬 About The Debt Rebel Podcast💥 Ready to take control of your family budget?

Disclaimer: This podcast is intended for educational and informational purposes only. As a financial coach, I share insights, strategies, and tools to help you make more confident decisions with your money—but personal finance is personal. Your situation, priorities, and goals are unique, and what works for one person may not be the right fit for you.

This content should not be considered financial, legal, or investment advice. I encourage you to seek guidance from a trusted financial professional who can understand your full financial picture and provide personalized recommendations.

Additionally, while we may discuss topics related to stress, habits, and behavior, I am not a licensed medical or mental health professional. Any insights shared are based on personal experience and research and are not intended to diagnose, treat, or replace professional medical or psychological advice. Please consult a qualified healthcare provider for support in those areas.

By listening to this podcast, you acknowledge that you are responsible for your own financial and personal decisions.

In this episode, I break down the main reasons budgets fail, including overcomplicating, not updating regularly, skipping fun money, and lacking accountability.

I’ll show you how to create a flexible, value-based zero-based budget that evolves with your family, helps you stop living paycheck to paycheck, and reduces money fights along the way.

Here’s what you’ll learn in this episode:

• Why your budget from January isn’t working in October

• How overcomplicating your budget sets you up to fail

• The importance of updating your budget regularly

• How guilt-free fun money prevents budget burnout

• Simple ways to build accountability for long-term success

• How to reset your budget without stress or overwhelm

I also share personal insights from my journey eliminating over $107,000 in consumer debt and how my family’s system keeps our money aligned with what truly matters.

Resources & Tools Mentioned in This Episode:

• Debt Rebel Starter Kit: Create a flexible, step-by-step budget that evolves with your life. Grab it here → DebtRebelPodcast.com

• Send me a voice note with your budgeting struggles → SpeakPipe: Debt Rebel Podcast

If You Loved This Episode:

• Subscribe and leave a review on Apple Podcasts

• Share this episode with a friend who’s struggling to stick to their budget

• Join the Alliance Coaching Program for live coaching, accountability, and a supportive community: https://www.jewlzthebudgetnerd.com/membership

Your debt-free life starts with one brave step—and I’m cheering you on every step of the way.

Disclaimer: This podcast is intended for educational and informational purposes only. As a financial coach, I share insights, strategies, and tools to help you make more confident decisions with your money—but personal finance is personal. Your situation, priorities, and goals are unique, and what works for one person may not be the right fit for you.

This content should not be considered financial, legal, or investment advice. I encourage you to seek guidance from a trusted financial professional who can understand your full financial picture and provide personalized recommendations.

Additionally, while we may discuss topics related to stress, habits, and behavior, I am not a licensed medical or mental health professional. Any insights shared are based on personal experience and research and are not intended to diagnose, treat, or replace professional medical or psychological advice. Please consult a qualified healthcare provider for support in those areas.

By listening to this podcast, you acknowledge that you are responsible for your own financial and personal decisions.

In today’s episode, I’m pulling back the curtain and giving you a behind-the-scenes look at what it’s like to be a member. You’ll hear a real coaching conversation from one of our monthly Office Hours where we dig into an important (and super relatable) money question:

👉 What should I do with extra income — pay off debt, save for home improvements, or something else?

Here’s what you’ll take away from this episode:

• How to prioritize extra money when you’re building your financial foundation

• Why the $1,000 emergency fund is your first non-negotiable step

• How to use the debt snowball method to create momentum and knock out debt faster

• The trade-offs between debt payoff vs. home improvements (and how to decide what’s right for you)

• Why community + coaching makes decision-making about money so much less overwhelming

Inside the Alliance, we don’t just “talk about” budgeting — we celebrate wins, ask hard questions, and get the practical support we need to keep moving forward.

💡 If you’re tired of trying to figure it all out alone, the Alliance Coaching Program is here to help you create a plan that actually works for your family — and stick with it.

👉 Join us inside the Alliance Coaching Program today: https://www.jewlzthebudgetnerd.com/membership

Disclaimer: This podcast is intended for educational and informational purposes only. As a financial coach, I share insights, strategies, and tools to help you make more confident decisions with your money—but personal finance is personal. Your situation, priorities, and goals are unique, and what works for one person may not be the right fit for you.

This content should not be considered financial, legal, or investment advice. I encourage you to seek guidance from a trusted financial professional who can understand your full financial picture and provide personalized recommendations.

Additionally, while we may discuss topics related to stress, habits, and behavior, I am not a licensed medical or mental health professional. Any insights shared are based on personal experience and research and are not intended to diagnose, treat, or replace professional medical or psychological advice. Please consult a qualified healthcare provider for support in those areas.

By listening to this podcast, you acknowledge that you are responsible for your own financial and personal decisions.

If you’re just starting your debt-free journey or you’re tired of spinning your wheels, these lessons will save you stress, time, and money:

✅ Why building a starter emergency fund is non-negotiable
✅ The budgeting tweak that prevents burnout (yes, fun money matters!)
✅ How accountability and support can speed up your payoff timeline

You don’t need a perfect plan to win with money—you just need the right focus at the right time. Learn from my regrets so you can avoid repeating them, and start moving toward financial freedom with confidence.

👉 Mentioned in this episode:
🎙️ Episode 1: Our $107K Debt Elimination Journey

Full Show Notes

🎧 Work With Me

Ready to stop living paycheck to paycheck and finally feel in control of your money?

Whether you need personalized support, accountability, or a simple system that actually works with your ADHD brain, I've got you covered.

💰 1:1 Private Coaching – Personalized coaching to help you create a plan, pay off debt, and build lasting financial confidence.

🤝 Alliance Coaching Membership – Monthly coaching, community, and accountability to help you stay consistent.

🛒 Grocery Reset Playbook – Learn how to cut your grocery bill without living on ramen.

➡️ Learn more: ⁠https://www.jewlzthebudgetnerd.com/services⁠

Grab Your Free ADHD-Friendly Paycheck Planner

If payday comes and your money disappears before you know where it went, download my free ADHD-Friendly Paycheck Planner and give every dollar a job before you spend it.

⁠https://www.jewlzthebudgetnerd.com/guide⁠

Let's Hang Out on Threads

Follow Jewlz on Threads: ⁠https://www.threads.com/@jewlzthebudgetnerd⁠

Disclaimer: This podcast is intended for educational and informational purposes only. As a financial coach, I share insights, strategies, and tools to help you make more confident decisions with your money—but personal finance is personal. Your situation, priorities, and goals are unique, and what works for one person may not be the right fit for you.

This content should not be considered financial, legal, or investment advice. I encourage you to seek guidance from a trusted financial professional who can understand your full financial picture and provide personalized recommendations.

Additionally, while we may discuss topics related to stress, habits, and behavior, I am not a licensed medical or mental health professional. Any insights shared are based on personal experience and research and are not intended to diagnose, treat, or replace professional medical or psychological advice. Please consult a qualified healthcare provider for support in those areas.

By listening to this podcast, you acknowledge that you are responsible for your own financial and personal decisions.

Using debt reduction strategies and ADHD-friendly family budgeting can help families manage these expenses without resorting to credit cards.

In this episode, I’m sharing three simple, practical hacks to help you handle back-to-school expenses without debt, so you can feel confident and stress-free as your kids head into a new year.

You’ll learn:

✅ How to create a sinking fund that makes August expenses way less painful

✅ Smart strategies for back-to-school clothes shopping (without blowing the budget)

✅ How reusing and inventorying what you already have can save $20–$40 instantly

✅ Why progress > perfection when it comes to budgeting during busy seasons

Whether you’re an adult with ADHD or managing family finances amidst a busy household, these ADHD money management tips will help you cover costs without credit cards—and with a lot more confidence.

✨ Links & Resources Mentioned in This Episode:

⁠Debt Rebel Starter Kit (Free Guide)⁠ – Build your emergency fund + find hidden money in your budget

⁠Episode 44: [Saving Money with Secondhand & Consignment Sales]⁠

⁠Episode 76: [Saying No Without Mom Guilt]⁠

Full Show Notes

👋 Did this episode help you? Share it with another mama who’s feeling the back-to-school money pressure. Let’s spread the word: you don’t have to go into debt to provide for your kids.

🎧 Work With Me

Ready to stop living paycheck to paycheck and finally feel in control of your money?

Whether you need personalized support, accountability, or a simple system that actually works with your ADHD brain, I've got you covered.

💰 1:1 Private Coaching – Personalized coaching to help you create a plan, pay off debt, and build lasting financial confidence.

🤝 Alliance Coaching Membership – Monthly coaching, community, and accountability to help you stay consistent.

🛒 Grocery Reset Playbook – Learn how to cut your grocery bill without living on ramen.

➡️ Learn more: ⁠https://www.jewlzthebudgetnerd.com/services⁠

Grab Your Free ADHD-Friendly Paycheck Planner

If payday comes and your money disappears before you know where it went, download my free ADHD-Friendly Paycheck Planner and give every dollar a job before you spend it.

⁠https://www.jewlzthebudgetnerd.com/guide⁠

Let's Hang Out on Threads

Follow Jewlz on Threads: ⁠https://www.threads.com/@jewlzthebudgetnerd⁠

Disclaimer: This podcast is intended for educational and informational purposes only. As a financial coach, I share insights, strategies, and tools to help you make more confident decisions with your money—but personal finance is personal. Your situation, priorities, and goals are unique, and what works for one person may not be the right fit for you.

This content should not be considered financial, legal, or investment advice. I encourage you to seek guidance from a trusted financial professional who can understand your full financial picture and provide personalized recommendations.

Additionally, while we may discuss topics related to stress, habits, and behavior, I am not a licensed medical or mental health professional. Any insights shared are based on personal experience and research and are not intended to diagnose, treat, or replace professional medical or psychological advice. Please consult a qualified healthcare provider for support in those areas.

By listening to this podcast, you acknowledge that you are responsible for your own financial and personal decisions.

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.

Full Show Notes

🎧 Work With Me

Ready to stop living paycheck to paycheck and finally feel in control of your money?

Whether you need personalized support, accountability, or a simple system that actually works with your ADHD brain, I've got you covered.

💰 1:1 Private Coaching – Personalized coaching to help you create a plan, pay off debt, and build lasting financial confidence.

🤝 Alliance Coaching Membership – Monthly coaching, community, and accountability to help you stay consistent.

🛒 Grocery Reset Playbook – Learn how to cut your grocery bill without living on ramen.

➡️ Learn more: ⁠https://www.jewlzthebudgetnerd.com/services⁠

Grab Your Free ADHD-Friendly Paycheck Planner

If payday comes and your money disappears before you know where it went, download my free ADHD-Friendly Paycheck Planner and give every dollar a job before you spend it.

⁠https://www.jewlzthebudgetnerd.com/guide⁠

Let's Hang Out on Threads

Follow Jewlz on Threads: ⁠https://www.threads.com/@jewlzthebudgetnerd⁠

In this episode of the Debt Rebel Podcast, I share my three-step monthly planning system that busy parents can implement to regain control over their time, meals, and money.

I break down:
✅ How to plan your time to prevent financial chaos
✅ Meal planning strategies that save money and reduce food waste
✅ How to budget effectively with a zero-based approach using tools like EveryDollar
✅ Quick, actionable tips for busy families to save thousands each year

This episode is perfect if you want to:

• Stop panicked trips to the store or drive-thru

• Reduce decision fatigue and stress

• Take practical steps toward financial stability

• Implement a simple system that actually works

  
  

🎧 Listen now and discover how planning a few key areas each month can make your budget—and your life—so much easier.

Full Show Notes

🎧 Work With Me

Ready to stop living paycheck to paycheck and finally feel in control of your money?

Whether you need personalized support, accountability, or a simple system that actually works with your ADHD brain, I've got you covered.

💰 1:1 Private Coaching – Personalized coaching to help you create a plan, pay off debt, and build lasting financial confidence.

🤝 Alliance Coaching Membership – Monthly coaching, community, and accountability to help you stay consistent.

🛒 Grocery Reset Playbook – Learn how to cut your grocery bill without living on ramen.

➡️ Learn more: ⁠https://www.jewlzthebudgetnerd.com/services⁠

Grab Your Free ADHD-Friendly Paycheck Planner

If payday comes and your money disappears before you know where it went, download my free ADHD-Friendly Paycheck Planner and give every dollar a job before you spend it.

⁠https://www.jewlzthebudgetnerd.com/guide⁠

Let's Hang Out on Threads

Follow Jewlz on Threads: ⁠https://www.threads.com/@jewlzthebudgetnerd⁠

Related Episodes:

• • Mastering Your Finances: How This Budgeting App Transformed Our Debt Free Journey
  
  
  • What If You're Not Actually Bad With Money But Just Financially Disorganized?
  
  

We’ll cover:

• How to spot if your car is sabotaging your budget

• The true cost of that “affordable” monthly payment

• Smart alternatives to expensive car ownership

• How driving a paid-off car can change your life faster than you think

If you’ve ever wondered why your budget still feels tight — even when you’re “doing all the right things” — this episode might be your wake-up call. It’s time to put your paycheck to work for you instead of your car.

🎧 Work With Me

Ready to stop living paycheck to paycheck and finally feel in control of your money?

Whether you need personalized support, accountability, or a simple system that actually works with your ADHD brain, I've got you covered.

💰 1:1 Private Coaching – Personalized coaching to help you create a plan, pay off debt, and build lasting financial confidence.

🤝 Alliance Coaching Membership – Monthly coaching, community, and accountability to help you stay consistent.

🛒 Grocery Reset Playbook – Learn how to cut your grocery bill without living on ramen.

➡️ Learn more: ⁠https://www.jewlzthebudgetnerd.com/services⁠

Grab Your Free ADHD-Friendly Paycheck Planner

If payday comes and your money disappears before you know where it went, download my free ADHD-Friendly Paycheck Planner and give every dollar a job before you spend it.

⁠https://www.jewlzthebudgetnerd.com/guide⁠

Let's Hang Out on Threads

Follow Jewlz on Threads: ⁠https://www.threads.com/@jewlzthebudgetnerd⁠

You’ll learn how to:

• Pick the debt payoff method that works for your brain

• Slash expenses without sucking the joy out of life

• Find hidden cash in your budget and home

• Stop the swipe and break the credit card cycle for good

If you’re ready to trade minimum payments for massive progress and create a debt-free plan that sticks, this episode will give you the roadmap, tools, and motivation to make it happen.

Friend, you are not failing—you just need a better system. Let’s build one together.

Full show notes: https://www.jewlzthebudgetnerd.com/blog/pay-off-credit-cards-faster

🎧 Work With Me

Ready to stop living paycheck to paycheck and finally feel in control of your money?

Whether you need personalized support, accountability, or a simple system that actually works with your ADHD brain, I've got you covered.

💰 1:1 Private Coaching – Personalized coaching to help you create a plan, pay off debt, and build lasting financial confidence.

🤝 Alliance Coaching Membership – Monthly coaching, community, and accountability to help you stay consistent.

🛒 Grocery Reset Playbook – Learn how to cut your grocery bill without living on ramen.

➡️ Learn more: ⁠https://www.jewlzthebudgetnerd.com/services⁠

Grab Your Free ADHD-Friendly Paycheck Planner

If payday comes and your money disappears before you know where it went, download my free ADHD-Friendly Paycheck Planner and give every dollar a job before you spend it.

⁠https://www.jewlzthebudgetnerd.com/guide⁠

Let's Hang Out on Threads

Follow Jewlz on Threads: ⁠https://www.threads.com/@jewlzthebudgetnerd⁠

You’ll learn:
✅ Why eliminating debt is the key to building wealth
✅ How to create margin and make the most of your current income
✅ Easy ways to start investing (even if it’s just $20/month)

Plus, I’m sharing how my family got intentional with our money and ditched debt for good—no more robbing from our future just to survive today.

🎁 Ready to stop spinning and start saving? Grab my FREE 5-Day Better Budgeting Challenge: jewlzthebudgetnerd.com/challenge

You’ll learn:

• Why budgeting feels impossible when you’re overwhelmed

• How to use habit stacking and automation to simplify your finances

• Easy ways to meal plan and save over $1,000 this year

• How to give your future self a financial win with a zero-based budget

• Why community support and accountability is your secret weapon

Friend, you are not failing—you just need a better system. Let’s build one together.

👉 Start my FREE 5-day challenge and create breathing room in your budget in just 15 minutes a day: www.jewlzthebudgetnerd.com/challenge

Full Show Notes: https://www.jewlzthebudgetnerd.com/blog/managemoneywithoutfeelinglikeafailure

📲 Connect with me on Instagram ⁠@jewlzthebudgetnerd⁠

💰Learn to be Debt-Free Here: ⁠https://www.jewlzthebudgetnerd.com/membership⁠

👉Work With Me: ⁠https://www.jewlzthebudgetnerd.com/workwithme

In today’s episode, I’m busting the myth that a no-spend month is the answer to your budgeting struggles. Because let’s be real: skipping Starbucks for 30 days isn’t going to change your money story if you don’t have a plan underneath it.

Here’s what you’ll learn:
✅ Why no-spend months don’t lead to lasting financial change
✅ What to focus on instead (hint: it’s not restriction—it’s strategy)
✅ How to create a realistic budget you’ll actually stick to as a busy family

If you’re tired of temporary fixes and want a long-term plan that fits your real life (without guilt, overwhelm, or cutting out all the fun), this episode is your fresh start.

💥 Ready to build a budget that works and finally feel confident with your money?

👉 Join my FREE 5-Day Budget Challenge — You’ll get quick wins each day to kickstart your financial momentum. Start now at: www.jewlzthebudgetnerd.com/challenge

📲 Connect with me on Instagram @jewlzthebudgetnerd

💰Learn to be Debt-Free Here: https://www.jewlzthebudgetnerd.com/membership

👉Work With Me: https://www.jewlzthebudgetnerd.com/workwithme

Yeah... that’s your miscellaneous category, and spoiler alert: it’s probably leaking more money than you think.

In this episode, we're digging into why the miscellaneous line item is a budget killer and how it's secretly sabotaging your financial goals. I’ll show you how to:

• Uncover hidden money leaks

• Give every dollar a name (and "miscellaneous" isn't one)

• Build a budget that’s clear, intentional, and 100% guilt-free

Plus, I’ll walk you through real examples of what might be hiding in that category—from impulse Amazon buys to kid birthday gifts—and how to reassign them to categories that actually make sense.

Ready to ditch the chaos and budget like a Debt Rebel? Let’s bust open that door and clean out your financial junk drawer—for good.

🎧 Work With Me

Ready to stop living paycheck to paycheck and finally feel in control of your money?

Whether you need personalized support, accountability, or a simple system that actually works with your ADHD brain, I've got you covered.

💰 1:1 Private Coaching – Personalized coaching to help you create a plan, pay off debt, and build lasting financial confidence.

🤝 Alliance Coaching Membership – Monthly coaching, community, and accountability to help you stay consistent.

🛒 Grocery Reset Playbook – Learn how to cut your grocery bill without living on ramen.

➡️ Learn more: ⁠https://www.jewlzthebudgetnerd.com/services⁠

Grab Your Free ADHD-Friendly Paycheck Planner

If payday comes and your money disappears before you know where it went, download my free ADHD-Friendly Paycheck Planner and give every dollar a job before you spend it.

⁠https://www.jewlzthebudgetnerd.com/guide⁠

Let's Hang Out on Threads

Follow Jewlz on Threads: ⁠https://www.threads.com/@jewlzthebudgetnerd⁠

Learn how financial coaching, accountability, and a custom budget can kickstart your debt-free journey—without shame or overwhelm.

💰Learn to be Debt-Free Here: https://www.jewlzthebudgetnerd.com/membership

➡️Take the FREE 5-Day Challenge & Stop Living Paycheck-to-Paycheck: https://www.jewlzthebudgetnerd.com/challenge

👉Work With Me: https://www.jewlzthebudgetnerd.com/workwithme

Whether you’re the planner or the free spirit, the saver or the spender, you’ll walk away with practical, grace-filled tools to communicate, create shared goals, and finally get on the same page financially. I’m sharing the exact steps my husband and I used to go from chaos to clarity—and how you can too.

💡 You’ll learn:

• Why opposites attract—and then attack—when it comes to money

• The role of financial baggage, fear, and control in your arguments

• How to talk money with curiosity instead of criticism

• Why vision must come before budgeting apps

• How to lead by example and start creating shared money goals

Plus, I’ll give you a free resource that’s helped dozens of couples stop fighting and start budgeting like a team.

🎯 Grab my 5-Day Budget Challenge to build your first budget, find $1,000 for your emergency fund, and ditch credit cards for good.

Let’s rewrite your money story—together. 💛

Want some good conversation starters for Date Night? https://www.jewlzthebudgetnerd.com/datenight

Learn more about financial coaching and working with Jewlz The Budget Nerd: https://www.jewlzthebudgetnerd.com/workwithme

We’re talking credit scores, down payments, interest rates, pre-approval, and what really makes or breaks a mortgage application. Kristy also shares how a little preparation can make homeownership a blessing, not a burden—especially if you’re focused on debt-free living and intentional finances.

Whether you’re a first-time homebuyer or just want to feel more confident in the process, this episode will equip you with practical, peace-giving steps to move forward.

👉 Tune in and find out how to ask the right questions, avoid common pitfalls, and make a smart, faith-aligned decision for your family’s future.

Connect with Kristy Bass, C2 Financial at https://www.c2financialcorp.com/kbass.

Kristy Bass
Trusted Mortgage Advisor

C2 NMLS #135622 | C2 AZ #919209 | C2 FL #MBR3519/MLD2635 | C2 OR #ML-4917 | C2 TN #135622 | C2 TX #135622 | C2 WA #MB-135622 | NMLS #2124325 | AZ #1027160 | FL #LO136438 | OR #2124325 | TN #2124325 | TX #2124325 | WA #MLO-2124325

🏠Want to be the first to know about the Preparing for Homeownership Private Podcast launching soon?

Join the waitlist here: https://www.jewlzthebudgetnerd.com/private-podcast-homeownership

🎯 Ready to ditch money stress for good?
Join my Free 5-Day Challenge designed to help you get financially unstuck in 15 minutes a day → jewlzthebudgetnerd.com/challenge

💰Learn to be Debt-Free Here: https://www.jewlzthebudgetnerd.com/membership

➡️Take the FREE 5-Day Challenge & Stop Living Paycheck-to-Paycheck: https://www.jewlzthebudgetnerd.com/challenge

You'll learn:

💸 Why not having a spending plan is quietly sabotaging your progress
💳 The hidden danger of using credit cards as a Band-Aid
🧠 How mental overload and lack of planning keep you stuck in reactive mode
📆 The secret to creating a flexible, ADHD-friendly budget that actually works for YOUR family

If you’ve tried budgeting and failed—or you’ve avoided it completely because it feels overwhelming—this episode will give you the truth (with love) and a path forward.

🎯 Ready to ditch money stress for good?
Join my Free 5-Day Challenge designed to help you get financially unstuck in 15 minutes a day → jewlzthebudgetnerd.com/challenge

Did you find this episode helpful? Please rate and review!

Check out the Lifestyles of the Intentional Spender Blog for more great tips, ideas, and hacks to maximize your hard earned cash:

https://www.jewlzthebudgetnerd.com/blog

Connect with Jewlz The Budget Nerd and learn more about financial coaching at www.jewlzthebudgetnerd.com.

Discover how renting out unused items like baby gear and tools can be an effective way to generate extra income and support your family's financial goals.

This episode is particularly useful for adults with ADHD and those looking for judgment-free finances and debt reduction strategies.

Julian emphasizes serving the community by offering rental options for families who are traveling or temporarily residing in the area, reinforcing the value of practical budgeting and financial planning.

Take actionable steps towards saving money effectively and creating a balanced lifestyle while managing your money ADHD-style.

Did you find this episode helpful? Please rate and review! ⭐⭐⭐⭐⭐

For more tips, ideas, and hacks on maximizing your hard-earned cash, visit the Lifestyles of the Intentional Spender Blog: ⁠https://www.jewlzthebudgetnerd.com/blog⁠.

Connect with Jewlz The Budget Nerd for personalized financial coaching at ⁠www.jewlzthebudgetnerd.com⁠.

Disclaimer: This podcast is intended for educational and informational purposes only. As a financial coach, I share insights, strategies, and tools to help you make more confident decisions with your money—but personal finance is personal. Your situation, priorities, and goals are unique, and what works for one person may not be the right fit for you.

This content should not be considered financial, legal, or investment advice. I encourage you to seek guidance from a trusted financial professional who can understand your full financial picture and provide personalized recommendations.

Additionally, while we may discuss topics related to stress, habits, and behavior, I am not a licensed medical or mental health professional. Any insights shared are based on personal experience and research and are not intended to diagnose, treat, or replace professional medical or psychological advice. Please consult a qualified healthcare provider for support in those areas.

By listening to this podcast, you acknowledge that you are responsible for your own financial and personal decisions.

Learn how to monetize your skills and passions without adding extra stress to your already full life.

From hosting workshops to launching online classes, Julian shares actionable tips to help you build an income stream that fits your lifestyle.

Jewlz The Budget Nerd, a Certified Financial Coach and expert in ADHD-friendly money management, guides listeners through easy, no-shame finance techniques tailored to women juggling family budgeting and busy schedules.

This episode also highlights the power of community and support, celebrating the podcast's Women Podcasters Award nomination.

Whether you're looking to improve your credit card debt payoff plan or develop practical budgeting habits, this episode offers valuable financial education and coaching insights to help you take control of your money and eliminate debt fast.

Join us and discover how to turn what you know into cash while maintaining balance and peace of mind.

Get more info at www.debtrebelpodcast.com

Disclaimer: This podcast is intended for educational and informational purposes only. As a financial coach, I share insights, strategies, and tools to help you make more confident decisions with your money—but personal finance is personal. Your situation, priorities, and goals are unique, and what works for one person may not be the right fit for you.

This content should not be considered financial, legal, or investment advice. I encourage you to seek guidance from a trusted financial professional who can understand your full financial picture and provide personalized recommendations.

Additionally, while we may discuss topics related to stress, habits, and behavior, I am not a licensed medical or mental health professional. Any insights shared are based on personal experience and research and are not intended to diagnose, treat, or replace professional medical or psychological advice. Please consult a qualified healthcare provider for support in those areas.

By listening to this podcast, you acknowledge that you are responsible for your own financial and personal decisions.

In this episode of the Debt Rebel Podcast, we’re talking about a powerful but often overlooked money management strategy: asking for a raise.

If you're working hard but still feeling the squeeze in your family finances, this episode will walk you through how to confidently advocate for yourself at work so you can increase your income without burnout.

This episode is part of the special series: How to Increase Your Income Without Burnout & Overwhelm.

Grab the free download that goes with this series at:
www.debtrebelpodcast.com (available until May 31, 2025)

We’ll cover:

• Why asking for a raise is often the fastest way to improve your finances

• How to prepare so you feel confident (not awkward) in the conversation

• A simple strategy to advocate for higher pay

Also celebrating the show’s nomination for the Women Podcasters Award 🎉

Mentioned in this episode

Episode 17: Hidden Dangers of Lifestyle Inflation: Can You Control It?
https://www.jewlzthebudgetnerd.com/blog/episode17

Learn more about financial coaching at:
www.jewlzthebudgetnerd.com

Disclaimer: This podcast is intended for educational and informational purposes only. As a financial coach, I share insights, strategies, and tools to help you make more confident decisions with your money—but personal finance is personal. Your situation, priorities, and goals are unique, and what works for one person may not be the right fit for you.

This content should not be considered financial, legal, or investment advice. I encourage you to seek guidance from a trusted financial professional who can understand your full financial picture and provide personalized recommendations.

Additionally, while we may discuss topics related to stress, habits, and behavior, I am not a licensed medical or mental health professional. Any insights shared are based on personal experience and research and are not intended to diagnose, treat, or replace professional medical or psychological advice. Please consult a qualified healthcare provider for support in those areas.

By listening to this podcast, you acknowledge that you are responsible for your own financial and personal decisions.

This month on the Debt Rebel Podcast, we're celebrating the Women Podcasting Award nomination!!! Check out the other Rebel Reset episodes for additional ways to increase your income without burning yourself out.

Snag your FREE Download and vote for the show for a limited time at www.debtrebelpodcast.com.

Want to learn more about affordable financial coaching and finally mark "make a budget" off your to-do list?

➡️➡️www.jewlzthebudgetnerd.com

Discover practical, no-overwhelm strategies to transform clutter into cash through small, manageable steps, perfectly suited for adults managing money with ADHD.

These techniques integrate seamlessly with debt reduction strategies and family budgeting to help you achieve judgment-free finances and practical budgeting success.

For more insight into ADHD money management, check out Episode 26 with Sasha Lile, a therapist and clarity expert.

Don't miss your free resources at www.debtrebelpodcast.com and more personalized money education for adults with ADHD at www.jewlzthebudgetnerd.com.

Disclaimer: This podcast is intended for educational and informational purposes only. As a financial coach, I share insights, strategies, and tools to help you make more confident decisions with your money—but personal finance is personal. Your situation, priorities, and goals are unique, and what works for one person may not be the right fit for you.

This content should not be considered financial, legal, or investment advice. I encourage you to seek guidance from a trusted financial professional who can understand your full financial picture and provide personalized recommendations.

Additionally, while we may discuss topics related to stress, habits, and behavior, I am not a licensed medical or mental health professional. Any insights shared are based on personal experience and research and are not intended to diagnose, treat, or replace professional medical or psychological advice. Please consult a qualified healthcare provider for support in those areas.

By listening to this podcast, you acknowledge that you are responsible for your own financial and personal decisions.

🔗 Vote for the podcast & snag the freebie: DebtRebelPodcast.com

Try Podia for FREE!

Feeling stretched thin but need to bring in some extra income? In this Rebel Reset episode, I’m sharing how you can start freelancing with zero fancy tools, no logo, and just five spare minutes a day. Whether you're great at editing, admin tasks, or proofreading resumes—this is about taking action now, not waiting for “someday.”

Tune in for step-by-step tips to get your first offer out into the world, even if you're juggling work, kids, and a million to-dos.

🎁 Don’t forget to grab your freebie: 15 Ways to Increase Your Income Without Burning Out at DebtRebelPodcast.com
🗳 And vote for the show in the Women’s Podcasting Awards while you're there!

Learn more about getting financially organized and all getting those personal finances dialed in at www.jewlzthebudgetnerd.com.

Voting for the Women Podcasting Award runs May 1-May 31st, 2025.

Link to vote and snag your free download: www.debtrebelpodcast.com

Want more money tips and learn more about financial coaching, check out www.jewlzthebudgetnerd.com

Did you find this episode helpful? Please rate and review!

Check out the Lifestyles of the Intentional Spender Blog for more great tips, ideas, and hacks to maximize your hard earned cash:

https://www.jewlzthebudgetnerd.com/blog

Connect with Jewlz The Budget Nerd and learn more about financial coaching at www.jewlzthebudgetnerd.com.

EveryDollar App

Check out The Alliance and get the accountability you have craving in a low-pressure, positive environment!

Did you find this episode helpful? Please Rate & Review! 

Apple Podcast: https://podcasts.apple.com/us/podcast/debt-rebel-podcast-personal-finance-for-families/id1759876087

Spotify: https://open.spotify.com/show/2KxABnLiqHCtkhOEkfeFpC

Submit your money questions here! 

🎧 Work With Me

Ready to stop living paycheck to paycheck and finally feel in control of your money?

Whether you need personalized support, accountability, or a simple system that actually works with your ADHD brain, I've got you covered.

💰 1:1 Private Coaching – Personalized coaching to help you create a plan, pay off debt, and build lasting financial confidence.

🤝 Alliance Coaching Membership – Monthly coaching, community, and accountability to help you stay consistent.

🛒 Grocery Reset Playbook – Learn how to cut your grocery bill without living on ramen.

➡️ Learn more: ⁠https://www.jewlzthebudgetnerd.com/services⁠

Grab Your Free ADHD-Friendly Paycheck Planner

If payday comes and your money disappears before you know where it went, download my free ADHD-Friendly Paycheck Planner and give every dollar a job before you spend it.

⁠https://www.jewlzthebudgetnerd.com/guide⁠

Let's Hang Out on Threads

Follow Jewlz on Threads: ⁠https://www.threads.com/@jewlzthebudgetnerd⁠

Check out Fireside Surf on Instagram: https://www.instagram.com/firesidesurftx/

About Bill Adams:

Bill currently designed, built, owns and operates Fireside Surf, a Citwave surf facility surrounded by great food and beverage. Bill has also built, owned, and or operated more iFLY facilities than anyone in the World. In 2009, Bill designed, built, co-owned and operated iFLY Seattle Indoor Skydiving, one of the top performing wind tunnels in the world. In 2013, he realized the opportunity of the iFLY Indoor Skydiving business and sold his facility to the parent company in exchange for stock in the parent company. Bill’s background in experiential retail directly translates to indoor surfing.

He then joined iFLY corporate, developing property and building iFLY Facilities. From 2013 to 2018, he built 12 iFLY facilities on the West coast as well as three in Chicago, and one in Scottsdale AZ. In 2018, Bill’s corporate stock was purchased and in March 2018 he began designing, building and operating iFLY facilities as a franchisee. Bill most recently sold his interest in iFLY El Paso, after building, and operating that facility in 2018 through 2019.

Before iFLY, Bill was COO at Rotorway International, the oldest and largest manufacturer of experimental helicopters in the world. Before Rotorway, Bill ran the operations for PB Development, which built, owned and managed commercial properties including hotels, restaurants, indoor water parks and full-service spas.

Bill honed his management and operational acumen while serving in the Special Forces, The Green Berets, developing and managing large multi-national operations in a zero-defect environment. Bill is a surfer, skydiver and pilot who enjoys these activities with his wife, Lysa, and their two children.

Check out the Lifestyles of the Intentional Spender Blog and other financial support resources at www.jewlzthebudgetnerd.com

Learn more about coaching with Jewlz The Budget Nerd at www.jewlzthebudgetnerd.com.

Book a free call with Jewlz: https://jewlzthebudgetnerd.podia.com/free-strategy-session

Did you find this episode helpful? Please Rate & Review! 

Send me your unpopular money opinions and other thoughts on Instagram: @jewlzthebudgetnerd

You may also like Episode 44: How Consignment Can Transform Your Family's Budget

Take the FREE 5-Day Challenge mentioned in this episode and change your personal finances in less than 10 minutes a day!

Did you find this episode helpful? Please Rate & Review! 

Submit your money questions here! 

Connect with Jewlz The Budget Nerd & get additional financial support, visit jewlzthebudgetnerd.com.

Instagram: @jewlzthebudgetnerd

Connect with Jennifer Zuver on Facebook at https://www.facebook.com/jennifer.zuver

Did you find this episode helpful? Please Rate & Review! 

Submit your money questions here! 

Connect with Jewlz The Budget Nerd and get additional financial coaching support, visit jewlzthebudgetnerd.com.

Instagram: @jewlzthebudgetnerd

Want to learn more about Jewlz The Budget Nerd and how she can help you make sense of your personal finances?

www.jewlzthebudgetnerd.com

Have questions like the one asked in this episode, send Jewlz The Budget Nerd a DM on Instagram www.instagram.com/jewlzthebudgetnerd.

Or schedule a free coffee chat.

Connect with Jewlz on Instagram: www.instagram.com/jewlzthebudgetnerd

Learn more about coaching with Jewlz The Budget Nerd: www.jewlzthebudgetnerd.com

You might also enjoy:

Episode 29: Conquer Debt and Design Your Dream Life

Episode 21: From Roasted Garlic Sugar Cookies to Financial Freedom: A Guide to Taking Control of Your Finances

Connect with Jewlz The Budget Nerd:

Website: debtrebelpodcast.com

Get Expert Coaching: www.jewlzthebudgetnerd.com

Instagram: @jewlzthebudgetnerd

Connect with Just Between Friends here: https://bremerton.jbfsale.com/

Or Instagram: https://www.instagram.com/jbfbremerton/

Learning more about Jewlz The Budget Nerd and financial coaching at www.jewlzthebudgetnerd.com.

This episode will walk through some signs you might be financially disorganized and ways to get on the right track ASAP!

A must-listen episode if you're tired of wasting money and just need a system that allows you to manage your money instead of it managing you!

Mentioned in this episode:

Episode 20: Debt Repayment Delegation?

Free Credit Report

EveryDollar App

Get Your Debt Rebel Starter Kit and more at www.jewlzthebudgetnerd.com

Full Show Notes: https://www.jewlzthebudgetnerd.com/blog/financial-organization

In this episode, I share:

✅ My personal story of navigating financial hardship after job loss

✅ What a practical "survival mode budget" looks like and how to create one

✅ How to cut expenses, save money effectively, and avoid relying on credit cards

✅ The importance of identifying YOUR version of financial stability

✅ Practical ways to meal plan, reduce bills, and generate extra cash

✅ How to communicate with creditors and manage recurring payments

This episode is perfect for adults with ADHD and families looking for real, judgment-free finances and practical budgeting techniques during tough times.

🔗 Mentioned in this episode:

• Episode 26: Is Decluttering Your Next Best Financial Step Towards Financial Freedom with Special Guest Sasia Lile
• Episode 4: "It" Hit the Fan: Why You Need an Emergency Plan and How to Get it in Place
• Debt Rebel Starter Kit – DM me on Instagram (@jewlzthebudgetnerd) to get your free copy!

Got questions? Need help getting a financial plan in place? DM me on Instagram and let’s chat! Let’s turn financial stress into financial strength.

Learning more about Jewlz The Budget Nerd and financial coaching at www.jewlzthebudgetnerd.com.

Mentioned in this episode:

Build a better budget, eliminate your debt and find your financial margin with the Debt Rebel Starter Kit.

Ready to break the paycheck-to-paycheck cycle?

Join The Alliance for monthly coaching, accountability and community to help you achieve financial success!

🔗 Check out The Alliance Coaching Membership at jewlzthebudgetnerd.com

Not sure where to start? Book a call with Jewlz the Budget Nerd

You may also like:

014 Financial Organization: Building a Foundation for Success

025 Emotional Spending: How to Respond vs. React to Life's Curveballs

References from this episode:

Date Night Questions:

https://jewlzthebudgetnerd.podia.com/datenight

Pinterest:www.pinterest.com/jewlzthebudgetnerd

Ready to break the paycheck-to-paycheck cycle?

Join The Alliance for expert guidance and a supportive community to help you achieve financial success!

🔗 Check out The Alliance Coaching Membership at jewlzthebudgetnerd.com

You may also like:

Episode 18: Building & Sustaining a Debt-Free Life: A Spouse's Perspective with Adam Kohlbrand

💰 Learn how to prepare for seasonal expenses like Valentine’s Day, Super Bowl parties, higher utility bills, tax season, and spring break travel—without breaking the bank. Discover practical tips to stay on track, automate savings, and make intentional financial decisions that align with your goals.

Ready to break the paycheck-to-paycheck cycle? Join The Alliance for expert guidance and a supportive community to help you achieve financial success!

🔗 Check out The Alliance Coaching Membership at jewlzthebudgetnerd.com

You might also like:

Episode 25: Emotional Spending: Breaking the Cycle

Episode 35: 3 Ways to Kickstart Your Families Financial Goals in 2025 and Beyond

Connect with Jewlz The Budget Nerd on Instagram!

Join the Debt Rebel Community

If you’re ready to take control of your finances, join the Debt Rebel community! Whether you’re just starting out or looking for ongoing support, here are some great resources:

• Free 5-Day Budgeting Challenge: Perfect for beginners.

https://jewlzthebudgetnerd.podia.com/challenge

• Debt Rebel Starter Kit: A step-by-step guide to creating financial margin and paying off debt.

https://jewlzthebudgetnerd.podia.com/debt-rebel-starter-kit

• Alliance Coaching Membership: Get monthly trainings, live Q&As, and access to budgeting tools in a supportive community.

https://jewlzthebudgetnerd.podia.com/

Follow me on Instagram: www.instagram.com/jewlzthebudgetnerd

Welcome to the Debt Rebel Podcast: Where we discuss the ins and outs of personal finance for families so you can eliminate the burden of debt, create financial margins, and learn a new way to interact with money. 

I’m your host, Jewlz The Budget Nerd. And I’ve been in your shoes. My husband and I have paid off over $107k in consumer debt until we finally threw in the towel and decided it wasn’t for us. Throughout our journey, we learned another way to do life without debt and that’s my hope for you.

Oh and the icing on the cake, my degree is in Economics! Managing our money is not all about the numbers and spreadsheets!

Get Trish's Downloadable: https://yourlifestrategist.com/

Learn more about The Alliance Coaching Membership and More Money Than Month: Finding Financial Margin in 2025 & Vision Board Workshop: www.jewlzthebudgetnerd.com

You might also like 28 What Financial Preparedness Looks Like When Crises Strike with Special Guest Carlee Brown.

Connect with Jewlz The Budget Nerd:

Facebook: Jewlz The Budget Nerd

Instagram: @jewlzthebudgetnerd

Pinterest: Jewlz The Budget Nerd

YouTube: Julian "Jewlz" Kohlbrand

You might also like: Building and Sustaining a Debt-Free Life: A Spouse's Perspective with Adam Kohlbrand

Learn more about The Alliance launching on January 28th, 2025 with the workshop, More Money than Month: Finding Your Financial Margin in 2025.

Take the FREE 5-Day Challenge and save $1000!

Want to find out if financial coaching is a good fit for you? Schedule a call with Julian "Jewlz The Budget Nerd" Kohlbrand today.

Join the waitlist for my new group coaching membership if you want more accountability, specialized training and practical tips to help you succeed with your personal finances!

You might also like Super Simple Meal Planning Tips for Busy Parents

Take the 5-Day Challenge and create a budget you'll actually stick to!

Submit your money questions here! 

Connect with Jewlz The Budget Nerd: www.jewlzthebudgetnerd.com/connect

For more info on financial coaching services, visit jewlzthebudgetnerd.com.

Facebook: Jewlz The Budget Nerd

Instagram: @jewlzthebudgetnerd

Pinterest: Jewlz The Budget Nerd

YouTube: Julian "Jewlz" Kohlbrand

ABOUT:

Welcome to the Debt Rebel Podcast. Where we discuss the ins and outs of personal finance for families so you can eliminate the burden of debt, create financial margins, and learn a new way to interact with money. 

I’m your host, Jewlz The Budget Nerd. And I’ve been in your shoes. My husband and I have paid off over $107k in consumer debt until we finally threw in the towel and decided it wasn’t for us. Throughout our journey, we learned another way to do life without debt and that’s my hope for you.

Disclaimer:

The information provided on this podcast is for informational and educational purposes only and does not constitute financial, investment, or other professional advice. The views expressed are those of the host and guests and are based on our own experiences. Always seek the advice of a qualified financial advisor or other professional with any questions you may have regarding your financial situation. Neither the podcast nor its host assumes any liability for any financial decisions or actions taken by the listener based on the information provided.

Check out Mindi's Capsule Podcast

Jump on the waitlist for group coaching coming soon!

FREE RESOURCES: https://jewlzthebudgetnerd.com/free-resources

Submit your money questions here! 

Connect with Jewlz The Budget Nerd: www.jewlzthebudgetnerd.com/connect

For more info on financial coaching services, visit jewlzthebudgetnerd.com.

Facebook: Jewlz The Budget Nerd

Instagram: @jewlzthebudgetnerd

Pinterest: Jewlz The Budget Nerd

YouTube: Julian "Jewlz" Kohlbrand

ABOUT:

Welcome to the Debt Rebel Podcast. Where we discuss the ins and outs of personal finance for families so you can eliminate the burden of debt, create financial margins, and learn a new way to interact with money. 

I’m your host, Jewlz The Budget Nerd. And I’ve been in your shoes. My husband and I have paid off over $107k in consumer debt until we finally threw in the towel and decided it wasn’t for us. Throughout our journey, we learned another way to do life without debt and that’s my hope for you.

Disclaimer:

The information provided on this podcast is for informational and educational purposes only and does not constitute financial, investment, or other professional advice. The views expressed are those of the host and guests and are based on our own experiences. Always seek the advice of a qualified financial advisor or other professional with any questions you may have regarding your financial situation. Neither the podcast nor its host assumes any liability for any financial decisions or actions taken by the listener based on the information provided.