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Debt Rebel: Stop Living Paycheck-to-Paycheck, Budget Successfully, Improve Money Mindset
Jewlz The Budget Nerd- Debt Elimination, Money Management for ADHD Families
95 episodes
3 days ago
Hey! I’m Jewlz The Budget Nerd, a Certified Financial Coach and Economics grad who eliminated $107K in consumer debt. This award-winning show for families who are done living paycheck to paycheck and ready to take control of their money without the shame and stress. Winner of the 2025 Women Podcaster Award, this show delivers practical, judgment-free guidance to help you stop fighting about money, ditch debt faster, and actually stick to a budget that works in real life (yes, even with kids, busy schedules, and Costco trips that get out of hand). Listen + Learn: www.debtrebelpodcast.com
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All content for Debt Rebel: Stop Living Paycheck-to-Paycheck, Budget Successfully, Improve Money Mindset is the property of Jewlz The Budget Nerd- Debt Elimination, Money Management for ADHD Families and is served directly from their servers with no modification, redirects, or rehosting. The podcast is not affiliated with or endorsed by Podjoint in any way.
Hey! I’m Jewlz The Budget Nerd, a Certified Financial Coach and Economics grad who eliminated $107K in consumer debt. This award-winning show for families who are done living paycheck to paycheck and ready to take control of their money without the shame and stress. Winner of the 2025 Women Podcaster Award, this show delivers practical, judgment-free guidance to help you stop fighting about money, ditch debt faster, and actually stick to a budget that works in real life (yes, even with kids, busy schedules, and Costco trips that get out of hand). Listen + Learn: www.debtrebelpodcast.com
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Parenting
Kids & Family
Episodes (20/95)
Debt Rebel: Stop Living Paycheck-to-Paycheck, Budget Successfully, Improve Money Mindset
How to Stop Living Paycheck to Paycheck in 2026 (And Finally Pay Off Debt) | 94 Debt Rebel Show

If you’re tired of setting money goals that fall apart, this episode is for you. In this kickoff to 2026, Jewlz the Budget Nerd shares the exact first step families must take to stop living paycheck to paycheck—and why skipping it keeps you stuck in debt. Learn how to protect your progress, build real momentum, and create a debt-free plan that actually works for busy families.


Want to Join the Debt Rebellion? Get your FREE Starter Kit at ⁠www.debtrebelpodcast.com⁠

Learn more about Jewlz The Budget Nerd: ⁠jewlzthebudgetnerd.com

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3 days ago
12 minutes 56 seconds

Debt Rebel: Stop Living Paycheck-to-Paycheck, Budget Successfully, Improve Money Mindset
How to Prepare Your Money for 2026 (An ADHD Money Coach’s Simple Plan for Busy Families)

Struggling with budgeting, debt, or saving — especially with ADHD? In this episode, certified ADHD money coach Jewlz shares a simple, realistic plan to prepare your money for 2026, stop living paycheck to paycheck, and reduce financial chaos for busy families.

Life keeps throwing financial surprises — and without a plan, it’s easy to feel stuck, overwhelmed, and behind. If traditional budgeting hasn’t worked for you, this episode is designed with real life (and ADHD brains) in mind.

In this episode, you’ll learn:

  • How an ADHD money coach approaches budgeting without perfection or deprivation

  • The difference between emergency funds and sinking funds (and why both matter)

  • How to stop living paycheck to paycheck with simple systems

  • A realistic debt snowball strategy to pay off debt faster

  • How to automate and streamline your finances to reduce decision fatigue

This episode is ideal for:

  • Busy parents managing family finances

  • Listeners with ADHD who struggle with consistency

  • Anyone looking for practical, judgment-free money advice

As an ADHD money coach, Jewlz focuses on progress over perfection, helping families build financial systems that actually stick. If you’re tired of budget burnout and ready for clarity, this episode will help you create a plan that works with your brain — not against it.

Free Resource:
Debt Rebel Starter Kit – a beginner-friendly budgeting system designed 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

Ready to take the next step?
Download the Debt Rebel Starter Kit and start building financial confidence today.

⏱️ Episode Breakdown:

  • 00:00 Why money chaos isn’t your fault

  • 02:05 Reviewing your current financial reality

  • 04:30 Emergency funds vs sinking funds

  • 07:15 ADHD-friendly debt payoff strategies

  • 10:10 Automating your finances for peace of mind

The Debt Rebel Podcast helps families break free from debt and build sustainable budgets with guidance from a certified ADHD money coach who understands real life.

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1 week ago
13 minutes 18 seconds

Debt Rebel: Stop Living Paycheck-to-Paycheck, Budget Successfully, Improve Money Mindset
Your 2025 Money Wrapped: Real Family Wins, Tough Lessons & Budgeting Truths That Changed Everything | Ep 92 Debt Rebel Show

If your year felt like one giant game of “Why is everything more expensive?!” — you’re in the right place. In this candid year-in-review episode, Jewlz The Budget Nerd breaks down the biggest money wins, lessons, and breakthroughs from real families who stuck with their budgets, faced financial curveballs, and came out stronger.


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


Ready to Join the Rebellion? Your FREE Starter Kit is waiting for you at www.debtrebelpodcast.com


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2 weeks ago
15 minutes 56 seconds

Debt Rebel: Stop Living Paycheck-to-Paycheck, Budget Successfully, Improve Money Mindset
I Changed My Mind: Why Spending Outside Your Budget Might Be the Best Thing You Do This Month | Ep 91 Debt Rebel Show

What happens when “The Budget Nerd” admits she changed her mind about one of the core budgeting rules? Yep… we’re going there.


In this episode, Jewlz breaks down the long-held belief that “if it’s not in the budget, you can’t spend it”… and why that rigid mindset may be secretly sabotaging your consistency, confidence, and momentum.


You’ll learn why flexible budgeting is actually a superpower for working families, how to shift money between categories without blowing up your goals, and the surprising mindset tweak that leads to long-term success on your debt-free journey.


Whether you’re constantly dealing with last-minute school expenses, surprise commitments, or just the real-life chaos of parenting — this episode will show you how to create a budget that works with your life, not against it.


Perfect for overwhelmed working parents, families trying to break the paycheck-to-paycheck cycle, and anyone trying to build confidence with money (without the guilt spiral).


Grab your coffee and a snack — it’s Budget Nerd confession time.


Want to Join the Debt Rebellion? Get your FREE Starter Kit at www.debtrebelpodcast.com

Learn more about Jewlz The Budget Nerd: jewlzthebudgetnerd.com

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3 weeks ago
11 minutes 16 seconds

Debt Rebel: Stop Living Paycheck-to-Paycheck, Budget Successfully, Improve Money Mindset
The Hidden Costs of Debt: The Emotional, Financial & Family Toll No One Talks About | Ep 90 Debt Rebel Show

Debt isn’t just numbers on a screen — it’s the late-night anxiety, the missed opportunities, and the constant feeling that you’re always one step behind.

In this episode, Jewlz breaks down the invisible price families pay when they rely on credit to survive: the stress, the shame, the strained relationships, and the dreams that quietly get pushed aside.

She shares her own story of digging out of over $107,000 of consumer debt, the turning points that finally sparked change, and the powerful moments her family got back because they chose a different path — including becoming debt-free before welcoming a child they never thought they’d have.

You’ll learn:

  • The emotional and psychological toll debt creates (even when you “manage” it well)

  • Why debt destroys confidence and decision-making

  • How debt steals family time, flexibility, and future options

  • What life looks like when you stop financing your lifestyle and start funding your values

  • The surprising ways becoming debt-free feels like giving yourself a raise

Plus — hear the exciting community goal for 2026: eliminating $1,000,000 of debt together.

If you’re exhausted from juggling payments, craving peace, or ready to finally feel in control of your money, this episode is the wake-up call you didn’t know you needed.

Grab the free Debt Rebel Starter Kit at DebtRebelPodcast.com and join the rebellion.

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1 month ago
16 minutes 19 seconds

Debt Rebel: Stop Living Paycheck-to-Paycheck, Budget Successfully, Improve Money Mindset
The Truth About Buy Now, Pay Later: Why Those “$25 Payments” Wreck Your Budget | 89 Debt Rebel Show

Buy Now, Pay Later looks harmless — four cute little payments of $25 and boom, you’ve got the thing you wanted. But let’s tell the truth: BNPL is still debt, and it’s quietly messing with your budget, your goals, and your sanity.

In today’s episode, Jewlz The Budget Nerd breaks down why Buy Now, Pay Later services like Afterpay, Klarna, and Affirm feel like budgeting…but actually sabotage your cash flow, spike impulse spending, and leave you scrambling when withdrawals hit.

You’ll learn:
• The hidden costs BNPL companies do not want families to know
• How multiple “small” payments add up to major financial chaos
• Why BNPL conditions your brain to normalize debt
• The emotional toll of juggling surprise payments
• What to do instead so you can buy the thing without wrecking your budget

If you’re a working parent trying to stop living paycheck to paycheck, this episode is your tough-love wake-up call. No shame, just real talk from someone who’s eliminated over $107,000 of debt without credit cards or gimmicks.


Join the Million Dollar Debt Rebellion & Grab Your FREE Starter Guide at https://debtrebelpodcast.com/

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1 month ago
17 minutes 11 seconds

Debt Rebel: Stop Living Paycheck-to-Paycheck, Budget Successfully, Improve Money Mindset
4 Holiday Spending Tips That Save Your Sanity and Your Wallet | 88 Debt Rebel Show

Holiday shopping doesn’t have to wreck your budget or your peace. In this episode of The Debt Rebel Podcast, Jewlz The Budget Nerd breaks down four simple, ADHD-friendly money strategies every family can use to stay intentional, avoid overspending, and skip the credit-card hangover this season.

If you’ve ever opened your inbox in November and felt personally attacked by “35% OFF TODAY ONLY” emails… this one’s for you.

  • 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 Debt Rebel Starter Kit: DebtRebelPodcast.com
This also gets you into the 12 Days of Christmas giveaways + sneak peeks for 2026.


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.

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1 month ago
9 minutes 34 seconds

Debt Rebel: Stop Living Paycheck-to-Paycheck, Budget Successfully, Improve Money Mindset
The Truth About Black Friday: Why “Deals” Used to Control My Spending | 87 Debt Rebel Show

Ever found yourself standing in a store at midnight, clutching a pair of half-priced socks and wondering “What am I even doing?”
Yeah… same.

In this episode, I’m pulling back the curtain on my old Black Friday obsession—racing out after Thanksgiving dinner, waking up at 4 a.m., and chasing deals that weren’t actually saving me anything. I share how those “can’t-miss” sales were fueling overspending, draining our budget, and keeping us stuck in consumer habits that didn’t align with our long-term goals.

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.


👉 Ready to create a holiday budget you’ll actually follow — even with ADHD and a busy schedule?Join my membership and get monthly coaching, community, and a 12-week Financial Freedom Action Plan that keeps you consistent and confident.

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1 month ago
16 minutes 8 seconds

Debt Rebel: Stop Living Paycheck-to-Paycheck, Budget Successfully, Improve Money Mindset
Breaking the Silence: Why Talking About Money Can Heal Your Finances and Your Family | 86 Debt Rebel Show

Most of us were never taught how to talk about money — especially with the people closest to us. But when we avoid the conversation, the tension just grows. In this episode, Jewlz “The Budget Nerd” Kohlbrand gets real about money, boundaries, and healing strained family relationships that have been hurt by financial stress.

If you’ve ever borrowed money from family, felt judged about your spending, or avoided the “money talk” altogether — this episode will help you find peace, perspective, and a plan. Jewlz shares personal stories, practical steps, and encouragement to help you face financial conversations with confidence and grace.

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

📸 Instagram: @jewlzthebudgetnerd
🌐 Website: jewlzthebudgetnerd.com


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

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1 month ago
9 minutes 47 seconds

Debt Rebel: Stop Living Paycheck-to-Paycheck, Budget Successfully, Improve Money Mindset
5 Hacks for a Credit Card–Free Christmas (Without Killing the Holiday Spirit) | 85 Debt Rebel Show

5 Hacks for a Credit Card–Free Christmas (Without Killing the Holiday Spirit)

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


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2 months ago
15 minutes 59 seconds

Debt Rebel: Stop Living Paycheck-to-Paycheck, Budget Successfully, Improve Money Mindset
Navigating a Government Shutdown: Survival Mode Budgeting & Alliance Coaching Sneak Peek | 84 Debt Rebel Show

Are you worried about how a government shutdown—or any unexpected financial disruption—could affect your family’s budget? In this episode of the Debt Rebel Podcast, I’m giving you practical, no-nonsense tips to take control of your money, even when paychecks aren’t guaranteed.

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


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2 months ago
18 minutes 12 seconds

Debt Rebel: Stop Living Paycheck-to-Paycheck, Budget Successfully, Improve Money Mindset
15-Minute Budget Reset for Busy or ADHD Brains: Quick Wins to Fix Your Finances Fast | Ep 83 Debt Rebel Show

If budgeting feels overwhelming or impossible to stick with—especially when you’ve got a busy brain or a full plate—this episode is your financial reset button. 💥

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.


🎯 Want more help staying focused on your finances? Grab Jewlz’s free webinar: 15 Minutes to Money Clarity → jewlzthebudgetnerd.com/clarity

Connect With Jewlz The Budget Nerd:

  • Website: https://debtrebelpodcast.com/

  • Send Jewlz a message: Free resources and tools to crush debt: DebtRebelPodcast.com

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2 months ago
10 minutes 24 seconds

Debt Rebel: Stop Living Paycheck-to-Paycheck, Budget Successfully, Improve Money Mindset
How to Stop Living Paycheck to Paycheck & Build Your First Emergency Fund | 82 Debt Rebel Show

Do you feel like payday disappears before you even blink? Mortgage, groceries, gas—by the time your paycheck hits, it’s already gone. If you’ve been stuck in survival mode, constantly reacting to bills and unexpected expenses, this episode is your roadmap to financial stability.

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

Connect With Jewlz The Budget Nerd:

  • Website: DebtRebelPodcast.com

  • Send Jewlz a message: ⁠https://www.speakpipe.com/debtrebelpodcast⁠Free resources and tools to crush debt: DebtRebelPodcast.com

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2 months ago
13 minutes 45 seconds

Debt Rebel: Stop Living Paycheck-to-Paycheck, Budget Successfully, Improve Money Mindset
Financial Peace in Uncertain Times — How to Protect Your Family Finances During a Government Shutdown | 81 Debt Rebel Show

If the latest headlines have you checking your bank account twice and praying your job stays secure, you’re not alone.

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?

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3 months ago
10 minutes 49 seconds

Debt Rebel: Stop Living Paycheck-to-Paycheck, Budget Successfully, Improve Money Mindset
Why Your Budget Fails After October (And How to Fix It!) | 80

Tired of your January budget falling apart by October? You’re not alone—and you’re not failing at money. Most family budgets fail because they aren’t built to survive real life.

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.


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3 months ago
17 minutes 52 seconds

Debt Rebel: Stop Living Paycheck-to-Paycheck, Budget Successfully, Improve Money Mindset
Inside the Alliance Coaching Program: What Really Happens (and How It Can Help You) | 79

Ever wondered what actually goes on inside the Alliance Coaching Program?

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

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3 months ago
11 minutes 14 seconds

Debt Rebel: Stop Living Paycheck-to-Paycheck, Budget Successfully, Improve Money Mindset
3 Debt Payoff Mistakes I Wish I Could Redo (and How You Can Avoid Them!) | 78

Drowning in debt is overwhelming—but staying there is optional. In this episode, I’m pulling back the curtain on the 3 biggest mistakes I made while paying off $107,000 of consumer debt… and what I would do differently if I could hop in a time machine.

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
✨ Free Workshop: 15 Minutes to Money Clarity: www.jewlzthebudgetnerd.com/clarity


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3 months ago
9 minutes 50 seconds

Debt Rebel: Stop Living Paycheck-to-Paycheck, Budget Successfully, Improve Money Mindset
3 Hacks to Handle Back-to-School Expenses Without Debt | 77

Back-to-school season can feel like a financial ambush—supplies, sports fees, clothes, fundraisers, and picture day all hitting at once. Most families grab the credit card to cover it, but the stress (and interest) sticks around long after the school year starts.

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’ve got little ones just starting school or teens with never-ending sports and activities, these 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]

👋 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.


Follow Jewlz The Budget Nerd on Instagram @jewlzthebudgetnerd

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4 months ago
10 minutes 4 seconds

Debt Rebel: Stop Living Paycheck-to-Paycheck, Budget Successfully, Improve Money Mindset
How to Say No Without the Mom Guilt (and Why It’s Actually Loving Your Kids Well) | 76

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

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

You’ll learn:

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

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

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

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

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

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

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


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

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

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4 months ago
15 minutes 29 seconds

Debt Rebel: Stop Living Paycheck-to-Paycheck, Budget Successfully, Improve Money Mindset
Plan Your Time, Meals & Money Every Month to Stop Budget Chaos | 75

Are you constantly stressed by your budget, overspending, or running out of time each month?

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.


💌 Get ahead faster: Join the Alliance Coaching Program for guided monthly planning, on-demand resources library, co-working sessions, and actionable support for your family budget.

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?
  • Show more...
    4 months ago
    11 minutes 42 seconds

    Debt Rebel: Stop Living Paycheck-to-Paycheck, Budget Successfully, Improve Money Mindset
    Hey! I’m Jewlz The Budget Nerd, a Certified Financial Coach and Economics grad who eliminated $107K in consumer debt. This award-winning show for families who are done living paycheck to paycheck and ready to take control of their money without the shame and stress. Winner of the 2025 Women Podcaster Award, this show delivers practical, judgment-free guidance to help you stop fighting about money, ditch debt faster, and actually stick to a budget that works in real life (yes, even with kids, busy schedules, and Costco trips that get out of hand). Listen + Learn: www.debtrebelpodcast.com