Debt Rebel Podcast: Personal Finance for Families (Julian "Jewlz The Budget Nerd" Kohlbrand | Inspired by Dave Ramsey, Brené Brown, Mel Robbins)

Julian Kohlbrand reads the Christmas Story from Luke 2:1-20.

If you have questions about the Christmas Story, the Bible is filled with all the answers or you can message me on Instagram and I would love to help you find the answers you're looking for.

Merry Christmas to you and your loved ones!

Scripture quotations are taken from the Holy Bible, New Living Translation, copyright ©️1996, 2204, 2015 by Tyndale House Foundation. Used by permission of Tyndale House Publishers, Inc., Carol Stream, Illinois 60188. All rightsreserved.

In this conversation, Julian Kohlbrand and Color Coach Suzie Butler discuss the transformative power of color analysis in personal styling. Suzie explains how understanding one's color palette can lead to more strategic shopping, saving time and money while enhancing personal style. They share practical tips for shopping both in-store and online, the importance of building a cohesive wardrobe, and the emotional benefits of color analysis. The discussion also touches on gift ideas for color analysis services, emphasizing its value at any stage of life.

Connect with Suzie Butler, The Color Coach on Instagram and get her special offer just for listeners to the show!

FREE RESOURCES: https://jewlzthebudgetnerd.com/free-resources

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

In this episode, Julian Kohlbrand hosts a dual guest episode featuring Nonna Mikat and Katie Pursey, co-owners of Just Between Friends (JBF) in Kitsap County. They discuss the benefits of consignment shopping, the community impact of their business, and how it helps families save money while promoting sustainability. The conversation also covers misconceptions about secondhand shopping, tips for becoming a consigner, and the unique model of JBF that empowers consignors.

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.

In this conversation, Julian Kohlbrand discusses the importance of financial organization and provides practical ways to achieve it. The five key ways to be financially organized are: creating a budget, organizing important financial documents, having regular conversations with your spouse about finances, setting financial goals, and reviewing your financial situation regularly. Accountability is also emphasized as a crucial aspect of achieving financial organization. Jewlz The Budget Nerd offers her services as a financial coach to help individuals and families on their journey to becoming debt-free.

FREE RESOURCES:

Build a Better Budget with the FREE 5-Day Challenge

For more info on financial coaching services, visit jewlzthebudgetnerd.com.

Connect With Me:

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 based on our own experiences. Always seek the advice of a qualified financial advisor or other professional with any questions 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.

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.

In this episode, Julian Kohlbrand addresses the challenges faced by overwhelmed parents. She emphasizes the importance of letting go of past mistakes, societal expectations, and the opinions of others to create a more fulfilling life. By focusing on what truly matters and taking actionable steps toward financial freedom, parents can alleviate stress and foster a healthier family environment.

RESOURCES:

Save $1000 in 5 Days!

Get out of the paycheck-to-paycheck cycle: Create Financial Margin Today!.

Connect With Me:

Website: www.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.

In this episode, I sit down with serial entrepreneur Bill Adams and we talk about the twists and turns of life. From joining the military to building incredible experiential retail businesses loved by many. You'll hear why he does it, what he's learned along the way, and what matters most if it all falls apart tomorrow.

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

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:

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.

In this episode, Julian Kohlbrand discusses the importance of setting financial goals for the new year, reflecting on personal experiences and the excitement of family adventures. She emphasizes the need for planning and accountability in achieving financial success, introducing her upcoming group coaching program aimed at providing support and resources for listeners. The conversation is filled with optimism for the future and encourages listeners to take actionable steps towards their financial goals in 2025.

Join the waitlist for the new Group Coaching Program launching 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.

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:

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.

Even financial coaches slip up! Discover how I forgot to budget, what I learned from it, and why building strong financial habits can keep you on track—even when life happens. Progress isn’t about perfection!

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!

Welcome to the Debt Rebel Podcast!

I'll share everything I've learned from studying personal finance over the last 20 years.

Everything from how we interact with money, how our past informs our financial future, debt culture, and ways to use your finances to make your family's dreams a reality!

Subscribe today to learn ways to maximize your income and create financial margin in your life....and have some fun along the way!

Jewlz The Budget Nerd

IG: @Jewlzthebudgetnerd

Website: www.jewlzthebudgetnerd.com

What If You're Not Actually Bad With Money? Just Financially Disorganized?

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

BLOG: Lifestyles of the Intentional Spender

Life is full of unexpected twists—some amazing, some... not so great. If you're facing financial uncertainty, job loss, or reduced income, this episode is packed with real-life strategies to help you stay afloat and regain control.

In this episode, I share:
✅ My personal story of navigating financial hardship after job loss
✅ What a "survival mode budget" looks like and how to create one
✅ How to cut expenses, save money, 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

🔗 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.

In this episode, Julian "Jewlz The Budget Nerd" Kohlbrand discusses the importance of saying no in various aspects of life, particularly in parenting and financial decisions. She emphasizes that saying no is a complete sentence and can empower individuals to make better choices for their future. The conversation explores how to navigate financial boundaries, the impact of credit culture, and the significance of teaching children the value of no. By setting boundaries and making conscious decisions, families can create a more stable financial future.

Mentioned in this episode: Are You Financially Overcommitted?

RESOURCES:

Save $1000 in 5 Days!

Get out of the paycheck-to-paycheck cycle: Create Financial Margin Today!.

Connect With Me:

Website: www.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.

In this episode, Jewlz The Budget Nerd takes you behind the scenes of the new Alliance Coaching Membership and helps you plan your February budget like a pro!

💰 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!

Julian Kohlbrand discusses the concept of debt payment delegation, sharing personal experiences with debt and emphasizing the importance of budgeting and financial education. She advocates for taking control of one's financial situation rather than delegating it to others, highlighting the need for accountability and empowerment in the debt elimination process. Julian also stresses the significance of understanding one's relationship with money and the behaviors that influence financial decisions.

Schedule a FREE, no-obligation call with Jewlz and create a game plan to eliminate your debt forever!

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.

In this episode, I talk about the concept of lifestyle inflation, what causes it, and how to manage it effectively. I share my personal struggle and practical strategies to help you recognize and combat lifestyle inflation, emphasizing the importance of budgeting and aligning spending with personal values. The discussion highlights the significance of financial independence and the freedom it brings to prioritize what truly matters in life.

Get the Debt Rebel Starter Kit today to fight lifestyle inflation and create a spending plan that matches what matters most to your family!

FREE RESOURCES: https://jewlzthebudgetnerd.com/free-resources

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.

$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.

Want to learn more about Jewlz The Budget Nerd? Check out my website: www.jewlzthebudgetnerd.com.

Julian "Jewlz The Budget Nerd" Kohlbrand discusses the challenges of credit card debt and offers practical strategies for lowering interest rates. She emphasizes the importance of understanding how interest rates affect debt repayment and shares tips on communicating with credit card companies to seek relief. The conversation also highlights the value of financial coaching in achieving long-term success in debt elimination and improving one's relationship with money.

Check out episode #20 Dangers of Delegating Debt Repayment

Take the FREE 5-Day Challenge and Save $1000 ASAP!

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.

In this episode, Julian Kohlbrand reflects on the journey of becoming debt-free, celebrating the anniversary of their home purchase. She shares personal stories of financial struggles, the importance of financial organization, and the lessons learned from home ownership. Julian emphasizes the need for a shift in financial perspectives and encourages listeners to acknowledge their own achievements, no matter how small, in their financial journeys.

Connect with Jewlz on Instagram: www.instagram.com/jewlzthebudgetnerd

Learn more about coaching with Jewlz The Budget Nerd: www.jewlzthebudgetnerd.com

My husband, Adam Kohlbrand, and I share our personal journey towards financial freedom, discussing the challenges and triumphs we faced as a couple. We emphasize the importance of communication, budgeting, and understanding each other's financial perspectives. We reflecte on how our financial journey has strengthened our marriage and how we are instilling financial responsibility in ourchildren. We talk about why we prioritize experiences over material possessions and share practical advice for couples looking to improve their financial situation together.

FREE RESOURCES: https://jewlzthebudgetnerd.com/free-resources

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.

In this episode, we'll discusses why budgeting hasn't worked before and provides tips on how to change that. The main reason for not sticking to a budget is looking at it negatively and seeing it as restrictive. Instead, it should be seen as a spending plan that aligns with our goals and dreams. Jewlz The Budget Nerd emphasizes the importance of connecting with our why and understanding the emotions behind our financial decisions. Practical tips include telling someone about our financial goals, asking ourselves if our purchases align with our goals, and learning from past choices.

For more info on financial coaching services, visit jewlzthebudgetnerd.com.

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

Facebook: Jewlz The Budget Nerd

Instagram: @jewlzthebudgetnerd

Pinterest: Jewlz The Budget Nerd

YouTube: Julian "Jewlz" Kohlbrand

In this episode of the Debt Rebel Podcast, Julian Kohlbrand shares her personal reasons for not owning an iPhone, emphasizing intentional spending and financial awareness. She discusses the financial implications of phone ownership, comparing the costs of iPhones versus non-iPhones, and encourages listeners to evaluate their own spending habits. The conversation highlights the importance of making informed choices that align with personal values and financial goals.

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

In this heartfelt conversation, Julian "Jewlz The Budget Nerd" Kohlbrand and her sister Carlee Brown explore their family dynamics, the impact of Carlee's cancer journey, and the importance of relationships over material possessions. They discuss how their different perspectives on money and life choices have shaped their paths, the significance of family support during health crises, and the lessons learned from navigating challenges together. The conversation emphasizes the need for financial preparedness, emotional resilience, and the value of advocating for one's health.

RESOURCES:

Save $1000 in 5 Days!

Get out of the paycheck-to-paycheck cycle: Create Financial Margin Today!.

Connect With Me:

Website: www.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.

In this conversation, Julian Kohlbrand and Sasha Lile discuss the importance of decluttering not just physical spaces but also mental and emotional clutter. Sasha shares her journey from being overwhelmed by possessions to finding clarity and purpose through minimalism. They explore the psychological aspects of attachment to items, the significance of creating a clutter-free environment, and the emotional benefits of letting go. The discussion emphasizes the importance of starting with personal spaces, particularly the bedroom, to foster a sense of calm and control. Sasha also highlights the value of community and giving back through decluttering, as well as the need for support in the process of change.

About Sasia Lile:

I'm a therapist who helps female entrepreneurs with littles release their emotional and physical clutter and the socially conditioned expectations that keep them playing small. I teach them how to declutter for good and create the mental capacity and confidence to level up in life and business by rewiring the limiting beliefs that keep them questioning their worth and chasing external validation.

Get Sasia's 7-Day Challenge Here!

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.

In this episode, Julian discusses the importance of meal planning and how it can help save money and reduce food waste. She shares tips on how to create a meal plan, including looking at past spending, utilizing online resources, and involving the whole family in the process. Julian also emphasizes the benefits of buying in bulk, using frozen produce, and having a list of quick and easy recipes. Overall, meal planning can not only help with budgeting but also create healthier eating habits.

Chapters

00:00 How to Meal Plan and Shop Your Kitchen to Save Money

01:52 The Problem of Food Waste and the Benefits of Debt-Free Living

04:12 Shopping Your Own Kitchen and Using Meal Planning Websites

07:19 Tips for Reducing Food Costs and Minimizing Waste

08:29 Storing Produce Appropriately and Using Frozen Produce

Extras:

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:

Join the Debt Rebel Facebook Community: www.facebook.com/groups/jewlzthebudgetnerd

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.

In this episode of the Debt Rebel podcast, Julian Kohlbrand interviews Ashley Malik, a health and wellness coach who specializes in anti-inflammatory nutrition.

Ashley discusses her method of "component cooking" which allows families to eat healthy meals without everyone having to eat the same thing.

Here are the key takeaways:

• Ashley Malik is a health and wellness coach who specializes in anti-inflammatory nutrition.
• She developed the "Family Fork" framework to help busy moms prioritize their own health while still feeding their families.
• Component cooking involves making large batches of a few key ingredients (protein, veggies, carbs) that can be repurposed into different meals throughout the week.
• This method saves time and money, and it allows families to enjoy healthy meals without everyone having to eat the same thing.
• Ashley recommends starting with just one new recipe per week and slowly building a repertoire of healthy meals.
• You can find Ashley's free guide and more resources on her website, AshleyMalik.com.
• Her podcast is called The Family Fork.

Grab The Family Fork Meal Plan here: https://ashleymalik.myflodesk.com/thefamilyforkplan

About Ashley:

She empowers busy, midlife moms to lose weight with an anti-inflammatory approach that is family-friendly. After losing 55 lbs with hypothyroidism, Ashley developed a method to kick-start weight loss for women who have "tried everything, but nothing works". Based on 10+ years of personal experience, research, and endless doctors appointments, her approach guides women to lose weight, gain energy, and live the happy life they deserve!

In this conversation, Julian Kohlbrand and Mindi Huebner explore the journey to financial freedom, emphasizing the importance of mindset, goal setting, and creating supportive habits. They discuss brain plasticity and how it can be harnessed to overcome limiting beliefs and foster a growth mindset. The duo also delves into the significance of SMART goals, the impact of identity on financial behavior, and the necessity of building a supportive environment for financial wellness. They provide practical tips for setting realistic goals, especially around New Year's resolutions, and highlight the power of gratitude and abundance in shaping financial success. The conversation concludes with actionable steps listeners can take to start their journey towards financial freedom.

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.

In this conversation, Julian discusses the importance of planning and budgeting for birthday celebrations. She shares her personal experience of organizing her daughter's birthday party at a park and emphasizes the significance of thoughtful and meaningful gifts. Julian also provides tips on saving money by planning ahead and taking advantage of sales and clearance sections. She suggests alternative ways of celebrating birthdays, such as giving cash in unique ways or paying bills as gifts. Julian encourages readers to consider the love languages of their loved ones and tailor their gift-giving accordingly.

Vote for the Debt Rebel Podcast in the Women in Podcasting Awards before October 1st, 2024!

https://womeninpodcasting.net/debt-rebel-podcast-personal-finance-for-families/

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

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.

In this episode of the Debt Rebel Podcast, Julian Kohlbrand discusses the importance of budgeting and planning for both expected and unexpected expenses. She emphasizes the need for families to create a budget that aligns with their values and priorities, while also preparing for seasonal expenses and emergencies. The episode includes practical tips for managing finances, planning for spring activities, and maintaining home and vehicle upkeep. Julian shares a five-day budgeting challenge designed to help listeners take actionable steps towards financial stability.

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

In this conversation, Julian Kohlbrand shares her unique recipe for roasted garlic sugar cookies and uses it as a metaphor for financial organization. She emphasizes the importance of meal planning and preparation, drawing parallels to budgeting and financial management. Jewlz discusses the steps to create a budget, the significance of an emergency fund, and the process of debt elimination. She encourages continuous learning and improvement in both cooking and financial skills, offering resources for those looking to enhance their financial literacy.

Join me LIVE on Voxer for Let's Talk Money Fridays until November 22nd, 2024.

Get the Debt Rebel Starter Kit today!

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.

In this episode, Julian Kohlbrand, Jewlz The Budget Nerd, discusses how to effectively manage surplus cash, particularly tax returns. She emphasizes the importance of building an emergency fund and introduces the debt snowball method as a strategy for debt elimination. Additionally, she highlights the value of community support and coaching in achieving financial goals.

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

The Debt Rebel Podcast Celebrates a Milestone and Jewlz Answers Your Questions!

Hitting 1,000 Downloads and Helping You Take Control of Your Finances

Hi everyone, Julian Kohlbrand here from the Debt Rebel Podcast! I'm so excited to celebrate a huge milestone – we've officially hit 1,000 downloads! This journey has been incredible, and I'm so grateful for your support.

This podcast started because I wanted to share my own experience of overcoming financial struggles. If you haven't listened to the first episode yet, that's where you'll hear my story of becoming debt-free and how Jules the Budget Nerd was born.

Today, I want to focus on you, the listener. Your questions are what truly fuel this podcast. Whether you've reached out directly or have questions lingering after an episode, I'm here to help.

The Power of Asking Questions

Asking questions is the best way to learn more about personal finance. It gets you actively engaged in your financial journey. There's a lot of information out there, and sometimes it feels overwhelming. Don't be afraid to question advice you hear – is it truly relevant to your situation?

Building a Budget that Works for You

The key to a successful budget is figuring out what's most important to your family. What kind of lifestyle do you envision? What are your financial goals? Start by asking yourself these questions, then build your budget around them.

Here are some listener questions I'll be tackling today:

• Building an Emergency Fund: Learn how to create space in your budget to save for unexpected expenses.
• Managing Allowance in a Family Budget: We'll discuss where to allocate allowance money in your budget and how to use it to teach your kids about finances.
• Planning for Variable Expenses: Discover strategies for budgeting for expenses that fluctuate throughout the year, like utilities.
• Affording a Mortgage: This episode goes the true cost of homeownership, helping you avoid getting in over your head.
• Cutting Back Without Sacrificing Quality of Life: We'll explore how to identify what truly matters to your family and make adjustments that allow you to live a fulfilling life while staying on budget.

Join the Conversation!

I have several ways for you to connect and ask questions:

• Visit my website at jewlzthebudgetnerd.com
• Send me a DM on Instagram @jewlzthebudgetnerd
• Join our Let's Talk Money Fridays discussions happening now until Thanksgiving (November 28th, 2024).

Remember, you can also explore my coaching programs if you'd like more personalized guidance.

Let's work together to create a budget that reflects your values and helps you achieve your financial goals. I look forward to connecting with you on Friday!

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.

In this episode, Julian discusses the difference between a financial coach and a financial advisor. A financial advisor focuses on investments and overall financial planning, while a financial coach helps with money behaviors and budgeting. Julian shares her personal experience of paying off debt and the importance of having a coach to provide guidance and support. She emphasizes the need to make a change and unlock the potential to see your financial situation differently. Julian encourages listeners to eliminate debt before seeking advice from a financial advisor. The episode concludes with a reminder to take steps toward financial independence and rebel against debt.

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:

Join the Debt Rebel Facebook Community: www.facebook.com/groups/jewlzthebudgetnerd

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.

I share my insights on how to maintain a loving relationship while navigating financial challenges. Why it's important to budget for special occasions like Valentine's Day, the significance of open communication about finances with a spouse, and creative ways to spend quality time together without overspending. I also emphasizes why I think relationships should be prioritized over strict financial rules, and that compromise and understanding are key to a successful partnership and financial future.

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

In this episode, you'll discover three tips to make major progress in your finances in 2025. Keeping your family fed, prepared for life's emergencies and surrounding yourself with like-minded people will set you up for success this year in multiple areas of your life, not just your finances!

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.

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:

Join the Debt Rebel Facebook Community: www.facebook.com/groups/jewlzthebudgetnerd

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.

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:

Join the Debt Rebel Facebook Community: www.facebook.com/groups/jewlzthebudgetnerd

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.

In this episode, Creating your Survival Mode Budget: Prioritizing Necessities, I'll discuss the importance of covering basic survival needs when creating a budget. I emphasize the need for water, shelter, and connection with others. I'll also share my personal experience of being in debt and the steps they took to get out of it. I highlight the importance of creating a survival mode budget and making a plan to live within your means. And my favorite-- importance of finding joy and having fun while on a budget. I encourage you to surround yourself with like-minded individuals and to stay focused on their financial goals. For more info on financial coaching services, visit jewlzthebudgetnerd.com. 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 Facebook: Jewlz The Budget Nerd Instagram: @jewlzthebudgetnerd Pinterest: Jewlz The Budget Nerd YouTube: Julian "Jewlz" Kohlbrand Disclaimer 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.

In this episode, Julian Kohlbrand interviews Jennifer Zuver, a financial advisor with a passion for helping others navigate their finances. They discuss the importance of financial planning, the impact of childhood money lessons, and the necessity of having a will. Jennifer shares her personal experiences with financial challenges, including a health crisis that required careful financial management. The conversation also touches on common mistakes parents make regarding finances and practical steps to improve financial awareness.

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

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:

Join the Debt Rebel Facebook Community: www.facebook.com/groups/jewlzthebudgetnerd

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.

In this episode, Julian Kohlbrand discusses the importance of effective budgeting and shares her favorite budgeting method, the EveryDollar app. She emphasizes that the best budget is the one that works for you, highlighting the app's features such as zero-based budgeting and customizable categories. Julian also encourages listeners to find a budgeting method that fits their lifestyle and offers support through her financial coaching program.

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! 

Connect with Jewlz The Budget Nerd: www.jewlzthebudgetnerd.com/contact

Get additional financial support, visit jewlzthebudgetnerd.com.

Instagram: @jewlzthebudgetnerd

In this engaging conversation, Life Strategist Trish Raap and I explore the journey to debt freedom, emphasizing the importance of understanding one's motivations and the necessity of self-care. We discuss practical strategies for personal growth, including the creation of vision boards, the significance of simplicity in life, and the development of new habits. The dialogue is filled with actionable insights and relatable anecdotes, making it a valuable resource for anyone looking to improve their financial and personal well-being.

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

In this episode, Julian Kohlbrand discusses the significance of goal setting, particularly in the context of financial freedom and debt elimination. She emphasizes the importance of community support and accountability in achieving these goals. The conversation introduces the SMART goal-setting framework, which helps individuals create specific, measurable, achievable, relevant, and time-sensitive financial goals. Julian also shares her plans for a group coaching opportunity in 2025, aimed at fostering a supportive community for those on their debt-free journey.

Jump on the Group Coaching Waitlist Today! Launching in January 2025!

Get Your Debt Rebel Starter Kit

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.

Host Julian "Jewlz The Budget Nerd" Kohlbrand discusses easy ways to remove temptations from your life to gain control of your finances and achieve your financial goals. This episode provides actionable tips to help you break free from mindless spending and prioritize what matters most to you financially.

Save $1,000 in 5 Days!

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.

In this conversation, Julian "Jewlz The Budget Nerd" Kohlbrand discusses the journey to achieving a debt-free life, emphasizing the importance of budgeting, creating an emergency fund, and the mindset shifts necessary for financial success. She shares personal experiences and practical steps to help families eliminate debt and achieve financial independence. The conversation also highlights success stories from clients who have benefited from her coaching and the Saving Spark program, which provides actionable steps for better financial management.

Get Your Savings Spark Started Here!

Connect with Jewlz and learn new ways to manage your money, pay off debt and increase your savings!

Facebook: Jewlz The Budget Nerd

Instagram: @jewlzthebudgetnerd

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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.

Ever wonder why you keep falling into the same money habits, even when you want to change? In this episode of the show, I dive into the psychology behind our financial choices, exploring how emotions and past experiences shape our spending. You'll learn how to identify harmful money patterns, swap them for positive financial habits, and set yourself up for long-term success. Plus, I’ll share actionable tips to help you automate good habits and stay accountable. Tune in and take control of your financial future today!

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

In this conversation, Julian and Rev. Brian Compton discuss the impact of financial stability on their lives and relationships. Rev. Brian shares his personal experiences with financial challenges, including infertility treatments, a rare cancer diagnosis, and job transitions. He emphasizes the importance of managing finances well to create stability and peace in relationships. They also discuss the ripple effects of financial stress and the benefits of being proactive and intentional with money. In this conversation, Julian and Rev. Brian Compton discuss the importance of prioritizing time with loved ones over money. They emphasize that time is a finite resource that cannot be regained, while money can be earned. They also discuss the influence of external factors, such as social media and marketing, on our financial decisions. They talk about a social trend of eating Tide Pods and relates it to the impulsive and toxic nature of debt in our culture. They also discuss the importance of focusing on true priorities and not being swayed by others' opinions or societal expectations. Rev. Brian shares his personal experiences of prioritizing experiences with his family, even if it means having less money in the bank. They conclude by encouraging listeners to trust in God and make intentional choices that align with their values.

Chapters

00:00 Introduction and Background

03:29 The Impact of Financial Stability on Relationships

08:22 Trusting God and Being Grateful in Financial Challenges

15:35 The Benefits of Being Proactive and Intentional with Money

21:52 The Ripple Effects of Financial Stress

24:59 Introduction and Personal Journey

33:50 Choosing Experiences and Relationships Over Possessions

38:46 Being Intentional and Wise with Money

43:41 Trusting God in Financial Management

47:41 Overcoming Shame and Regret in Finances

50:16 Aligning Financial Choices with Values and Priorities

50:16 Introduction to Personal Finance and Debt Management

50:47 Budgeting Strategies for Financial Success

Book Mention: Side Peace: Ancient Wisdom for Defeating Anxiety by Brian Compton

Voting for Women in Podcasting Award- Voting ends Oct. 1, 2024.

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

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.

In this episode, I share more of my personal journey towards debt freedom and the lessons learned along the way including when my parents told me they were done supporting me financially. I illustrated the importance of financial education and setting boundaries with your adult children. I also introduce 'The Alliance', a debt elimination support community.

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.

In this episode, Julian "Jewlz The Budget Nerd" Kohlbrand talks about emotional spending, ways to identify it, how to safeguard your finances from it and practical ways to build health habits to keep your emotions from derailing your financial goals.

Key Takeaways:

• Emotional spending is real: Our emotions significantly influence our financial decisions.
• Identify your triggers: Understand what emotions lead you to impulsive spending.
• Pause and reflect: Take a moment to assess your emotions and the potential consequences of impulsive purchases.
• Develop healthy coping mechanisms: Replace emotional spending with activities that bring you joy and reduce stress.
• Set financial goals: Having clear financial objectives can help you stay focused and avoid impulsive spending.
• Seek professional help: If emotional spending is a persistent issue, consider consulting a therapist or financial coach.

Save $1000 in 5 days!

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.

In this Rebel Reset, Julian Kohlbrand discusses the signs of financial overcommitment and offers solutions to reclaim financial stability. She emphasizes the importance of recognizing stress while living paycheck to paycheck and relying on credit for essentials as indicators of financial strain. Jewlz introduces the Debt Rebel Starter Kit as a resource to help listeners manage their finances effectively and reduce stress.

Get Your Debt Rebel Starter Kit Here!

FREE RESOURCES: https://jewlzthebudgetnerd.com/free-resources

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.

In this episode, Jewlz The Budget Nerd addresses a couple of commonly misunderstood numbers and how they affect your financial life. She gives it to you straight with no fluff in this Rebel Reset.

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.