Debt Rebel | ADHD Budgeting, Debt Payoff, Personal Finance for Working Moms

Jewlz The Budget Nerd | ADHD Money Coach, Debt Payoff Expert

The Debt Rebel Podcast helps overwhelmed working moms with ADHD take control of their money. Join ADHD money coach Jewlz for practical ADHD budgeting tips, simple budgeting strategies, debt payoff encouragement, and realistic personal finance advice. Learn how to stop living paycheck to paycheck, reduce money stress, and build lasting financial confidence—one budget at a time.

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130 episodes
Updated Tuesday

Episodes130

Newest first

Aug 13, 2024 · 4 min
Need Cash Fast? Here's How to Find $100 in 5 minutes or less: A Rebel Reset | 10
Introducing Rebel Resets! These short episodes will provide you with one quick, simple step to take to improve your personal finances. Today's episode will help you find $100 that might be hiding right in front of you. Let's find it together! Did you know the Debt Rebel Podcast was nominated for a Women in Podcasting Award? I appreciate every listener! Thank you for sharing your attention with me! You can cast your vote here and bring this show to even more families who need help organizing their finances! https://womeninpodcasting.net/debt-rebel-podcast-personal-finance-for-families/ Register here for the next FREE Finding Your Margin Seminar FREE RESOURCES: https://www.jewlzthebudgetnerd.com/free-resources Build a Better Budget with the FREE 5-Day Challenge: www.jewlzthebudgetnerd.com 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 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.
Aug 6, 2024 · 13 min
How to Break the Paycheck-to-Paycheck Cycle and Finally Stop Relying on Credit Cards | 9
Summary Taking a vacation from credit cards means pausing the use of credit cards for a month and finding alternative ways to enjoy entertainment and create memories. This can include using free TV apps, accessing resources at the library, and searching for free activities in your area. It also involves reevaluating monthly expenses and canceling unnecessary subscriptions. Taking a vacation from credit cards can help reduce financial stress and prioritize financial goals. Takeaways Taking a vacation from credit cards means pausing their use for a month. Find alternative ways to enjoy entertainment without spending money, such as using free TV apps or accessing resources at the library. Search for free activities in your area to create memories without breaking the bank. Reevaluate monthly expenses and cancel unnecessary subscriptions to reduce financial stress and prioritize financial goals. Chapters 00:00 Finding Alternative Entertainment Options 07:08 Utilizing Free Resources at the Library 08:43 Exploring Free or Affordable Local Activities 09:55 Ordering Meal Kits for Family Activities 11:08 Reducing Expenses to Reduce Financial Stress FREE RESOURCES: https://www.jewlzthebudgetnerd.com/free-resources Build a Better Budget with the FREE 5-Day Challenge: www.jewlzthebudgetnerd.com 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 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.
Jul 30, 2024 · 10 min
What a Financial Coach Actually Does: Transforming Your Money Story with ADHD-Friendly Strategies | 8
In this episode, Julian dives deep into the role of a financial coach, especially from the perspective of ADHD money management and judgment-free finances. Unlike a financial advisor who focuses on investments and overall financial planning, a financial coach helps you change your money behaviors and create practical budget plans tailored for adults with ADHD and neurodivergent money challenges. Julian shares her authentic journey of paying off debt, emphasizing the power of debt reduction strategies and the importance of eliminating debt fast before considering financial advisor services. Listeners are encouraged to embrace no shame finance principles and take bold steps toward financial independence, breaking free from the cycle of living paycheck to paycheck. Tune in for empowering insights on rebelling against debt and transforming your money story through supportive financial coaching. Takeaways A financial coach focuses on money behaviors and budgeting, while a financial advisor focuses on investments and overall financial planning. Having a coach can provide guidance and support in paying off debt and making financial changes. It is important to unlock the potential to see your financial situation differently and make a change. Eliminating debt before seeking advice from a financial advisor can set you up for success in achieving financial goals. Taking steps towards financial independence is a rebellion against debt. Chapters 00:00 Introduction and Overview 01:01 Understanding the Difference: Financial Coach vs. Financial Advisor 03:36 The Role of a Financial Coach in Your Financial Journey 04:26 Unlocking Your Potential with a Financial Coach 09:01 Taking Steps Towards Financial Independence 09:51 Conclusion: Fight Against Debt FREE RESOURCES: www.jewlzthebudgetnerd.com/free-resources Build a Better Budget with the FREE 5-Day Challenge: www.jewlzthebudgetnerd.com 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 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.
Jul 23, 2024 · 20 min
Stop Wasting Money on Bank Fees: Quick Fixes to Hit Your Money Goals Faster | 7
In this episode, Julian discusses the various fees that can add up and impact our finances. She explains how fees are charged by banks and businesses for services like ATM withdrawals, online bill payments, and credit card transactions. Julian emphasizes the importance of understanding and avoiding these fees by creating a spending plan, knowing the fee schedules of our accounts, and utilizing free services like online bill pay. She also highlights common fees such as overdraft fees, minimum balance fees, monthly maintenance fees, stop payment fees, inactivity fees, and excessive transaction fees. Julian offers guidance on how to minimize fees and maximize income to achieve financial goals. Takeaways Fees charged by banks and businesses can add up and impact our finances. Understanding and avoiding fees is important for financial well-being. Creating a spending plan and knowing the fee schedules of our accounts can help minimize fees. Utilizing free services like online bill pay can save money on convenience fees. Common fees include overdraft fees, minimum balance fees, monthly maintenance fees, stop payment fees, inactivity fees, and excessive transaction fees. Minimizing fees and maximizing income can help achieve financial goals. Chapters 00:00 ATM Fees and Convenience Fees for Paying Bills Online 07:22 Avoiding Overdraft Fees and Managing Account Balance 09:07 Understanding Minimum Balance Fees and Monthly Maintenance Fees 10:16 Stop Payment Fees, Inactivity Fees, and Excessive Transaction Fees 18:15 Tips for Avoiding Fees and Maximizing Your Income FREE RESOURCES: https://www.jewlzthebudgetnerd.com/free-resources Build a Better Budget with the FREE 5-Day Challenge: www.jewlzthebudgetnerd.com 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.
Jul 16, 2024 · 19 min
If You Struggle To Say No With Money, This Episode is for You | 6
Summary: In this episode, Julian Kohlbrand, also known as Jewlz The Budget Nerd, discusses the importance of setting financial boundaries. She compares managing finances to driving a car, emphasizing the need to be in control of our own financial decisions and not let others dictate them. Julian shares personal examples of setting financial boundaries, such as scaling back on social engagements and not giving gifts. She highlights the importance of communication when setting boundaries that may affect relationships. Julian also emphasizes the impact of financial decisions on children and the importance of teaching them healthy financial habits. She provides practical steps for setting financial boundaries, including having open conversations, identifying the reasons for making a change, creating a spending plan, and evaluating expenses based on their alignment with financial goals. Takeaways: Setting financial boundaries is crucial for taking control of your finances and making intentional decisions. Communication is key when setting boundaries that may affect relationships. Financial decisions and boundaries can have a significant impact on children's financial habits and future. Identifying the reasons for making a financial change and staying focused on them can help maintain motivation. Creating a spending plan that aligns with your financial goals and evaluating expenses based on their contribution to those goals is essential. Chapters 00:00 Introduction: The Importance of Financial Boundaries 01:52 Taking Responsibility for Your Money 04:42 Communicating Financial Boundaries 09:53 Saying No to Financial Requests 13:32 Lessons Learned: The Day the Bank of Mom and Dad Closed 15:37 Steps to Setting Financial Boundaries FREE RESOURCES: Join the Debt Rebel Facebook Community: www.facebook.com/groups/jewlzthebudgetnerd Build a Better Budget with the FREE 5-Day Challenge: www.jewlzthebudgetnerd.com 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.
Jul 9, 2024 · 15 min
Why You're Stuck in the Card Trap -- and the Exact Steps to Get Out | 5
Jewlz the Budget Nerd discusses the negative impact of credit cards and the importance of eliminating debt. She emphasizes that credit cards were not created to benefit consumers and that using them can lead to financial ruin. Jewlz shares personal stories and insights on how to break free from the cycle of debt, including cutting up credit cards, creating a budget, and living within one's means. She also highlights the difference between credit cards and debit cards and the importance of making conscious financial decisions for a better future. FREE RESOURCES: https://www.jewlzthebudgetnerd.com/free-resources Build a Better Budget with the FREE 5-Day Challenge: www.jewlzthebudgetnerd.com 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 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.
Jul 2, 2024 · 19 min
No Emergency Fund? Here's Why That's Dangerous -- And What to Do About It | 4
In this episode, Jewlz discusses the importance of having a small emergency fund as the first step in a debt-elimination plan. She shares her own mistakes and provides tips on how to save money. Jewlz emphasizes the need for a $1,000 emergency fund, as most emergencies cost less than that. She also talks about the importance of making a budget and gives suggestions for freeing up cash, such as having no-spend times, selling unused items, and reducing expenses. Jewlz encourages listeners to surround themselves with like-minded people and to focus their minds on financial goals. FREE RESOURCES: https://www.jewlzthebudgetnerd.com/free-resources Build a Better Budget with the FREE 5-Day Challenge: www.jewlzthebudgetnerd.com 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.
Jun 25, 2024 · 19 min
Bare-Bones Budgeting 101: Practical Money Management and Prioritizing Essentials in a Crisis | 3
Creating your Survival Mode Budget: Prioritizing Necessities, we dive deep into practical budgeting strategies tailored for those managing money with ADHD and anyone facing financial challenges. Learn how to prioritize essentials like water, shelter, and connection while crafting a survival mode budget that helps eliminate debt fast and keeps your finances judgment-free. Host Jewlz The Budget Nerd shares personal experiences of overcoming credit card debt and navigating money mistakes, providing relatable and no shame finance coaching. Discover ways to save money effectively and find joy even in tight financial situations. Stay motivated by surrounding yourself with a supportive community focused on debt reduction strategies and practical family budgeting to achieve your financial goals.FREE RESOURCES:Build a Better Budget with the FREE 5-Day Challenge: ⁠www.jewlzthebudgetnerd.com⁠/challenge.Instagram: @jewlzthebudgetnerdPinterest: Jewlz The Budget NerdYouTube: Julian "Jewlz" KohlbrandDisclaimer aka lawyer stuff: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.
Jun 25, 2024 · 16 min
Why Budgeting Fails for Adults with ADHD and How to Fix It | 2
In this episode of Debt Rebel Show, we dive into why traditional budgeting hasn't worked for many, especially adults with ADHD, and how to create practical budgeting plans that truly stick. Host Jewlz The Budget Nerd explains the importance of transforming your view of budgeting from restrictive to a positive money management system that supports your unique needs and goals. We explore key ADHD money management strategies, including connecting deeply with your financial 'why,' understanding the emotions behind spending decisions, and how to eliminate shame from your financial journey. Practical tips include sharing your financial goals with a trusted person, evaluating purchases through the lens of your priorities, and learning from past money mistakes. Whether you're struggling with debt, credit card finances, or simply want to manage money better as a neurodivergent adult, this episode offers no-shame financial coaching and proven debt reduction strategies tailored for your lifestyle. For more info on financial coaching and debt elimination services, visit jewlzthebudgetnerd.com. FREE RESOURCES: Build a Better Budget with the FREE 5-Day Challenge: ⁠www.jewlzthebudgetnerd.com⁠ Instagram: @jewlzthebudgetnerd Pinterest: Jewlz The Budget Nerd YouTube: Julian "Jewlz" Kohlbrand 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.
Jun 25, 2024 · 24 min
How I Eliminated Over $107k in Debt & Stopped Living Paycheck-to-Paycheck: My Debt- Free Story | 1
$107,000....gone. It took some serious teamwork, dedication and goal setting but it prepared us for life's biggest plot twist. You'll hear some of the financial blunders my husband and I made along the way to our debt-free life. My goal in sharing our financial mess is to encourage you that you are not alone. It is possible to get out from under that pile of debt and live a life that represents what matters to you. 🎧 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

Debt Rebel | ADHD Budgeting, Debt Payoff, Personal Finance for Working Moms

Need Cash Fast? Here's How to Find $100 in 5 minutes or less: A Rebel Reset | 10

How to Break the Paycheck-to-Paycheck Cycle and Finally Stop Relying on Credit Cards | 9

What a Financial Coach Actually Does: Transforming Your Money Story with ADHD-Friendly Strategies | 8

Stop Wasting Money on Bank Fees: Quick Fixes to Hit Your Money Goals Faster | 7

If You Struggle To Say No With Money, This Episode is for You | 6

Why You're Stuck in the Card Trap -- and the Exact Steps to Get Out | 5

No Emergency Fund? Here's Why That's Dangerous -- And What to Do About It | 4

Bare-Bones Budgeting 101: Practical Money Management and Prioritizing Essentials in a Crisis | 3

Why Budgeting Fails for Adults with ADHD and How to Fix It | 2

How I Eliminated Over $107k in Debt & Stopped Living Paycheck-to-Paycheck: My Debt- Free Story | 1