1 00:00:00,120 --> 00:00:01,840 Hey there, and welcome to the show. 2 00:00:01,840 --> 00:00:05,160 This is Jules, the Budget Nerd, and I am so glad that you're 3 00:00:05,160 --> 00:00:07,000 here. I want to say a special shout 4 00:00:07,000 --> 00:00:09,280 out to Alexis. It's so great to meet you. 5 00:00:09,640 --> 00:00:11,200 Thanks for listening to the show. 6 00:00:11,520 --> 00:00:15,400 And a special welcome as well to April and Stacy, who have 7 00:00:15,480 --> 00:00:17,280 downloaded the freebies on my website. 8 00:00:17,280 --> 00:00:21,000 So thank you so much for jumping in and being a part of this 9 00:00:21,000 --> 00:00:24,160 community. Today we are going to talk about 10 00:00:24,160 --> 00:00:28,760 money mindsets and why, especially if ADHD is something 11 00:00:28,760 --> 00:00:32,240 that's part of our life, why it's so important and how it 12 00:00:32,240 --> 00:00:34,480 could possibly matter more than budgeting. 13 00:00:34,480 --> 00:00:38,360 So this is going to be a great episode. 1 of the things that I 14 00:00:38,360 --> 00:00:41,920 love talking about is money. Obviously sometimes it's our 15 00:00:41,920 --> 00:00:45,280 money mistakes that really get to be the big hang up for us. 16 00:00:45,280 --> 00:00:48,760 And I know for myself, that was a huge part of my journey, 17 00:00:49,560 --> 00:00:52,600 especially being taught how to manage my money. 18 00:00:52,840 --> 00:00:57,040 I even got a degree in economics and still end up in $107,000 in 19 00:00:57,040 --> 00:00:58,960 debt. Have you ever made the same 20 00:00:58,960 --> 00:01:01,880 money mistakes so many times that you just started believing 21 00:01:01,880 --> 00:01:06,240 that it's just who you are? So if you, if that's you, this 22 00:01:06,240 --> 00:01:10,560 episode is absolutely for you because I see you, I hear you 23 00:01:10,640 --> 00:01:14,960 and I have been in your shoes before because you know, our 24 00:01:14,960 --> 00:01:17,680 culture says, you know, the same and you know, doing something 25 00:01:17,680 --> 00:01:20,240 over and over again and, and expecting different results is 26 00:01:20,240 --> 00:01:24,520 the definition of insanity. But I think that this kind of 27 00:01:24,520 --> 00:01:28,520 stuff is not helping us. And so that kind of mentality is 28 00:01:28,520 --> 00:01:31,320 not, is not serving us well and especially when it comes to our 29 00:01:31,320 --> 00:01:35,720 money and managing it, if it, if ADHD is something that's 30 00:01:35,960 --> 00:01:38,480 challenge for us. And so today we're going to talk 31 00:01:38,480 --> 00:01:42,520 about some of those common things and ways to move past 32 00:01:42,520 --> 00:01:45,400 those. So some of the examples that I 33 00:01:45,400 --> 00:01:50,000 have come across and also been through myself is that overdraft 34 00:01:50,120 --> 00:01:52,240 that just keeps having over and over again. 35 00:01:52,280 --> 00:01:54,480 Maybe it's some of that emotional spending. 36 00:01:54,640 --> 00:01:57,760 Hello, been there. Retail therapy is a thing. 37 00:01:57,760 --> 00:02:00,800 Maybe it's avoiding even looking at your budget or your bank 38 00:02:00,800 --> 00:02:04,040 account because you just, your brain wants to protect you from 39 00:02:04,040 --> 00:02:07,240 what is going to be there. And maybe it's just starting 40 00:02:07,240 --> 00:02:09,560 over and over every month because we're stuck in this all 41 00:02:09,560 --> 00:02:12,520 or nothing mindset. So what I want you to hear me 42 00:02:12,520 --> 00:02:16,040 say today is money mistakes are just data. 43 00:02:16,520 --> 00:02:19,400 It's information for us to make different decisions. 44 00:02:19,680 --> 00:02:23,560 So it allows us to recognize patterns and those patterns can 45 00:02:23,560 --> 00:02:25,880 reveal the beliefs that we have about money. 46 00:02:25,880 --> 00:02:28,680 And one thing that I've experienced and I know a lot of 47 00:02:28,680 --> 00:02:31,000 people that I work with, experience is some shame around 48 00:02:31,000 --> 00:02:33,280 our money. And so shame is what keeps us 49 00:02:33,280 --> 00:02:36,000 stuck longer than the actual mistake itself. 50 00:02:36,080 --> 00:02:39,160 Today is a good one. We are not talking about 51 00:02:39,160 --> 00:02:41,680 spreadsheets today. Although if you want to talk 52 00:02:41,680 --> 00:02:43,400 about spreadsheets, I've got another episode, I'm sure about 53 00:02:43,400 --> 00:02:46,240 that. We're talking about identity and 54 00:02:46,240 --> 00:02:49,760 why changing our mindset, shifting our mindset and our 55 00:02:49,760 --> 00:02:54,080 perception of money can really drive the financial behavior 56 00:02:54,080 --> 00:02:57,640 that we have been craving. And that is going to help us be 57 00:02:57,640 --> 00:03:00,600 successful in budgeting, in our personal finances. 58 00:03:00,920 --> 00:03:04,480 And also we're going to allow ourselves some opportunity to 59 00:03:04,520 --> 00:03:09,320 work with our ADHD brains instead of the extremes of the 60 00:03:09,320 --> 00:03:11,760 all or nothing thinking that we can get stuck in sometimes. 61 00:03:11,840 --> 00:03:15,440 So if you recognize yourself in some of these financial 62 00:03:15,440 --> 00:03:18,880 patterns, so those patterns are trying to tell us something. 63 00:03:19,280 --> 00:03:22,600 It's not necessarily that we're bad at math because, you know, 64 00:03:22,600 --> 00:03:24,520 things that maybe would overdraft our account. 65 00:03:24,800 --> 00:03:27,760 Sometimes it's things that we have these these avoidance 66 00:03:27,760 --> 00:03:31,320 behaviors or these emotional regulation struggles. 67 00:03:31,480 --> 00:03:33,760 Maybe we've got some past identity. 68 00:03:34,000 --> 00:03:36,920 Maybe with the way we were brought up in our thoughts about 69 00:03:36,920 --> 00:03:41,480 money, maybe we are stuck in survival mode and my pattern 70 00:03:41,480 --> 00:03:45,160 that isn't allowing us to see things for what they are. 71 00:03:45,160 --> 00:03:49,560 So some of the ways those identity beliefs can show up are 72 00:03:49,560 --> 00:03:53,160 when we say things like I'm just bad with money or I'm never 73 00:03:53,160 --> 00:03:55,880 going to get ahead. Maybe you've said budgeting just 74 00:03:55,880 --> 00:03:59,720 doesn't work for me and I will just ruin everything financially 75 00:04:00,200 --> 00:04:04,240 or one of my favorites, not my favorite, but one that I hear 76 00:04:04,240 --> 00:04:07,080 like, you know what, I'm just going to be in debt forever. 77 00:04:07,200 --> 00:04:10,320 And so you know, I'm here. This is this is where we're at. 78 00:04:10,320 --> 00:04:14,320 And so I want to, I want you to reframe some of those thoughts 79 00:04:14,320 --> 00:04:17,839 because this is where if you've ever heard that saying, you know 80 00:04:17,839 --> 00:04:19,720 what, what you think about, you bring about. 81 00:04:20,000 --> 00:04:23,680 And so for myself, this was really helpful to say, Hey, you 82 00:04:23,680 --> 00:04:26,640 know what that isn't? That is an old belief about 83 00:04:26,640 --> 00:04:29,000 myself. The new me is going to think 84 00:04:29,000 --> 00:04:30,440 about things a little bit differently. 85 00:04:30,760 --> 00:04:36,240 And so when we choose to think differently and when we choose 86 00:04:36,240 --> 00:04:38,120 that, then our behavior follows along with it. 87 00:04:38,120 --> 00:04:40,160 So that helps us reduce some stress. 88 00:04:40,240 --> 00:04:44,840 OK, so some of those hidden identity beliefs lead to a 89 00:04:44,840 --> 00:04:48,120 pattern of behavior that's usually about protecting 90 00:04:48,120 --> 00:04:51,520 something. So it could be a stress relief, 91 00:04:51,640 --> 00:04:56,480 it could be dopamine search, it could be control, it could be 92 00:04:56,480 --> 00:04:59,920 safety, and it could be something like comfort. 93 00:05:00,080 --> 00:05:02,280 There's a lot of things that can come into that. 94 00:05:02,280 --> 00:05:06,360 And so the way that our brains think is we are often seeking 95 00:05:06,360 --> 00:05:09,600 out quick relief or quick stimulation. 96 00:05:09,720 --> 00:05:12,960 It doesn't mean that we are lazy or irresponsible. 97 00:05:13,040 --> 00:05:16,360 It means that our systems need to support our brain instead of 98 00:05:16,360 --> 00:05:18,640 fighting against it. And this is what I found with 99 00:05:18,760 --> 00:05:21,920 some traditional, you know, budgeting and restrict 100 00:05:21,920 --> 00:05:26,120 restricted spending is that our brains naturally want to rebel 101 00:05:26,120 --> 00:05:27,800 against that. That's just how we are. 102 00:05:27,960 --> 00:05:33,520 And so how can we take that information and shift it so that 103 00:05:33,520 --> 00:05:36,160 it serves us better? All right, So that's 104 00:05:36,160 --> 00:05:39,000 information, right? But sometimes that information, 105 00:05:39,000 --> 00:05:41,960 if we aren't framing it correctly, can lead into these 106 00:05:41,960 --> 00:05:44,080 patterns of shame. And this is where we can get 107 00:05:44,080 --> 00:05:46,840 stuck. What I have found in my, in my 108 00:05:46,840 --> 00:05:50,480 personal experience and working with other clients is that shame 109 00:05:50,520 --> 00:05:54,760 can feel like it's creating something good, but it's not 110 00:05:54,760 --> 00:05:57,600 necessarily. So what I mean by that is we are 111 00:05:57,600 --> 00:06:00,240 avoiding situations that we should probably address. 112 00:06:00,640 --> 00:06:04,400 We might be hiding from things that we don't want to face. 113 00:06:04,400 --> 00:06:09,000 We could indulge in the impulse spending to a level that is 114 00:06:09,000 --> 00:06:12,480 maybe out of control and also sabotaging those financial goals 115 00:06:12,480 --> 00:06:15,880 that we have for ourselves. Or we get into this financial 116 00:06:15,880 --> 00:06:18,440 freeze mode. Let's pull send this in. 117 00:06:18,560 --> 00:06:23,280 A moment of shame turns 1 mistake into a complete spiral. 118 00:06:23,680 --> 00:06:28,000 So that is like, you know what we've overspent so let's ignore 119 00:06:28,000 --> 00:06:30,800 the bank account. Maybe it's avoiding opening your 120 00:06:30,800 --> 00:06:33,440 bills when they come in the mail or they pop up on your e-mail 121 00:06:33,440 --> 00:06:36,280 and you're like, I'm going to deal with that later, but later 122 00:06:36,280 --> 00:06:39,880 never comes, right? Or maybe it is restarting every 123 00:06:39,920 --> 00:06:44,320 every Monday or every month restarting our budget because we 124 00:06:44,320 --> 00:06:47,520 didn't do great on Friday or Saturday and then we just 125 00:06:47,840 --> 00:06:50,640 restart. So what if we change some of 126 00:06:50,640 --> 00:06:54,040 those things up? What if we shifted that because 127 00:06:54,200 --> 00:06:58,120 we don't want to shame ourselves into this long term financial 128 00:06:58,160 --> 00:07:00,720 consistency. And we also don't want to put 129 00:07:00,720 --> 00:07:03,960 ourselves into these mindsets where we ask ourselves 130 00:07:03,960 --> 00:07:07,440 constantly why am I like this and what you know, we can figure 131 00:07:07,440 --> 00:07:09,920 out what that is. So one of the things that's 132 00:07:09,920 --> 00:07:14,720 helpful that I've done is what is the thing that triggered that 133 00:07:14,720 --> 00:07:17,400 initial event? So was there a specific need 134 00:07:17,400 --> 00:07:19,600 that I was trying to meet that wasn't getting met? 135 00:07:19,600 --> 00:07:23,200 And so I decided to go, you know, the retail therapy route 136 00:07:23,240 --> 00:07:27,800 or I'm avoiding this because I know that, you know what, 137 00:07:27,800 --> 00:07:29,840 there's not going to be enough money in the account for the 138 00:07:29,840 --> 00:07:32,600 bills this month. So I'm going to avoid it because 139 00:07:32,600 --> 00:07:34,840 if I don't look at it, it's not happening, right? 140 00:07:34,840 --> 00:07:38,680 And that experience for myself was not the case. 141 00:07:38,680 --> 00:07:40,960 It just made the situation worse. 142 00:07:41,400 --> 00:07:46,040 And so I want you to hear me say you don't have to do this part 143 00:07:46,040 --> 00:07:48,240 alone. And this is what we talked about 144 00:07:48,240 --> 00:07:52,760 inside the membership because these identity shifts are going 145 00:07:52,760 --> 00:07:57,240 to be the things that help change your future, but also 146 00:07:57,240 --> 00:08:00,480 your kids future. And how you talk about money 147 00:08:00,760 --> 00:08:04,480 around your kids. It is also the precursor to in 148 00:08:04,480 --> 00:08:08,320 the financial success, instead of saying I'm trying to budget, 149 00:08:08,640 --> 00:08:11,880 we can shift and say I'm becoming someone who plans 150 00:08:11,880 --> 00:08:14,360 ahead. And maybe you've said before, 151 00:08:14,360 --> 00:08:17,520 I'm terrible with money. So that mindset shift could be 152 00:08:17,520 --> 00:08:19,800 I'm learning how to manage my money differently. 153 00:08:20,440 --> 00:08:23,800 All right. So some, some strategies that 154 00:08:23,800 --> 00:08:27,920 can help, especially with ADHD brains is building systems 155 00:08:27,920 --> 00:08:30,960 around your energy and your habits and focusing on those 156 00:08:30,960 --> 00:08:34,480 tiny repeatable wins. So one of the things that we do 157 00:08:34,480 --> 00:08:40,159 is we remove points of friction or points of where we we reduce 158 00:08:40,159 --> 00:08:43,280 the mental load. So that is automating certain 159 00:08:43,280 --> 00:08:45,240 bills. It's simplifying the number of 160 00:08:45,240 --> 00:08:48,600 categories maybe or the number of bank accounts and that we 161 00:08:48,600 --> 00:08:49,960 have. So we're not shifting money 162 00:08:49,960 --> 00:08:52,200 around and creating a complicated system for 163 00:08:52,200 --> 00:08:55,360 ourselves. Also creating a budget will help 164 00:08:55,360 --> 00:08:58,840 reduce that decision fatigue. So you know, already ahead of 165 00:08:58,840 --> 00:09:00,960 time. OK, you know what I've looked at 166 00:09:00,960 --> 00:09:05,520 this month and I know that my kid has a dance recital this 167 00:09:05,520 --> 00:09:06,760 month. So I know I'm going to have some 168 00:09:06,760 --> 00:09:09,320 extra expenses there and I'm going to have some extra 169 00:09:09,320 --> 00:09:11,720 expenses because the end of the year, the school year is coming 170 00:09:11,720 --> 00:09:14,880 up, that kind of stuff. And you can know what you're 171 00:09:14,880 --> 00:09:17,480 going to be able to say yes to before that time comes. 172 00:09:17,600 --> 00:09:20,640 That is a super big gift to your future self. 173 00:09:20,640 --> 00:09:22,960 So some ways that you can continue to build your 174 00:09:22,960 --> 00:09:26,960 confidence in these, in these exercises for shifting your 175 00:09:26,960 --> 00:09:30,240 mindset is celebrating those small consistent wins. 176 00:09:30,640 --> 00:09:34,320 So maybe it is, you know what I looked at my bank account and I 177 00:09:34,320 --> 00:09:37,680 did at my 10 minute money reset this week, celebrate that. 178 00:09:37,680 --> 00:09:40,200 That's amazing. Track that evidence of growth. 179 00:09:40,400 --> 00:09:42,960 Now this is really fun. I just got a message in our in 180 00:09:42,960 --> 00:09:44,200 our group chat for the membership. 181 00:09:44,200 --> 00:09:47,400 One of the members has been with me since the very beginning as a 182 00:09:47,400 --> 00:09:49,240 whole binder of all of her stuff. 183 00:09:49,240 --> 00:09:52,840 And she said it's really been really fun to look back and see 184 00:09:52,840 --> 00:09:55,200 how things have changed and grown for her. 185 00:09:55,200 --> 00:09:58,880 And so keeping track of that, keeping some visuals, some 186 00:09:58,880 --> 00:10:03,000 reminders of the things that you have done, because those are 187 00:10:03,000 --> 00:10:05,240 going to be things that you're going to lean on when times get 188 00:10:05,240 --> 00:10:07,640 tough. And maybe sometimes you feel 189 00:10:07,640 --> 00:10:09,840 like, you know what, I'm not making any progress. 190 00:10:09,840 --> 00:10:12,760 And then you look back and you go, Oh my gosh, I actually did. 191 00:10:13,000 --> 00:10:17,600 I paid off $1000 last month in debt or I, you know, paid off my 192 00:10:17,600 --> 00:10:20,640 credit card, I paid for my car, those kinds of wins. 193 00:10:20,960 --> 00:10:24,680 Or it could be, you know what, I went to Target and I didn't get 194 00:10:24,680 --> 00:10:26,880 a coffee this time because that was one of my goals. 195 00:10:27,400 --> 00:10:28,960 All right, Those kinds of things. 196 00:10:29,080 --> 00:10:32,560 And then it's creating these little wins for yourself, these 197 00:10:32,560 --> 00:10:35,320 little promises that are tiny enough for you to maintain. 198 00:10:35,720 --> 00:10:38,960 So if it's something that you're like really struggling with, 199 00:10:39,160 --> 00:10:42,160 let's break it down into a smaller bite so you can eat one 200 00:10:42,400 --> 00:10:44,760 about one elephant, one bite at a time. 201 00:10:45,120 --> 00:10:46,720 And so let's let's break it down. 202 00:10:46,720 --> 00:10:50,320 What's a smaller win that you could capitalize on and that 203 00:10:50,320 --> 00:10:52,360 that will build? Confidence is the thing that's 204 00:10:52,360 --> 00:10:56,120 going to build through evidence, not motivation. 205 00:10:56,440 --> 00:10:58,720 And when we build that confidence, that's when it 206 00:10:58,720 --> 00:11:03,000 starts to ripple effect into other areas, not only of our 207 00:11:03,000 --> 00:11:05,720 life, but in of our money. So when we build these tiny 208 00:11:05,720 --> 00:11:09,200 habits and these tiny wins for ourselves, that proves to our 209 00:11:09,200 --> 00:11:12,320 brain, one, we are capable of doing it. 210 00:11:12,480 --> 00:11:16,200 And two, it knows that all right, I'm going to follow 211 00:11:16,200 --> 00:11:18,360 through with this. I have set a goal for myself and 212 00:11:18,360 --> 00:11:19,360 I'm going to follow through with it. 213 00:11:19,920 --> 00:11:20,840 Those are big. All right. 214 00:11:21,520 --> 00:11:25,840 How are so when we talk about healing some of these financial 215 00:11:25,840 --> 00:11:29,800 things, these financial setbacks for ourselves or maybe our old 216 00:11:29,800 --> 00:11:34,680 ways of doing things, one of the biggest things that not only is 217 00:11:34,800 --> 00:11:38,160 creating these manageable, these manageable goals for ourselves, 218 00:11:38,160 --> 00:11:42,600 but also having compassion for ourselves and compassion is not 219 00:11:42,600 --> 00:11:46,320 excuse making. It is grace for ourselves that 220 00:11:46,480 --> 00:11:49,720 we are learning something new. It's not going to be perfect 221 00:11:49,720 --> 00:11:53,120 every time. And I would also, I would also 222 00:11:53,120 --> 00:11:55,240 say it's probably not going to be perfect ever. 223 00:11:55,480 --> 00:11:58,320 I know I'm not perfect when it comes to my money management. 224 00:11:58,320 --> 00:12:02,560 I have worked really hard to set up a system that has worked for 225 00:12:02,560 --> 00:12:04,560 our family. And that's what I love teaching 226 00:12:04,560 --> 00:12:07,560 because I went through all of the trial and errors, the things 227 00:12:07,560 --> 00:12:10,280 that I was like, this works, you know, cutting out all the 228 00:12:10,280 --> 00:12:13,320 coupons and all the things. And I was like, this is, this 229 00:12:13,320 --> 00:12:15,360 isn't something that's sustainable for our family. 230 00:12:15,560 --> 00:12:19,080 And so the system that I teach is what is sustainable for our 231 00:12:19,080 --> 00:12:22,600 for our family. And I love sharing it with you. 232 00:12:22,600 --> 00:12:26,760 So remembering that compassion is important for yourself in 233 00:12:26,760 --> 00:12:29,800 this process because as we learn something new, we're going to 234 00:12:29,800 --> 00:12:32,880 make mistakes, but those is remember that is information 235 00:12:32,880 --> 00:12:35,240 that's data for us to make different decisions moving 236 00:12:35,240 --> 00:12:37,080 forward. And accountability still 237 00:12:37,080 --> 00:12:40,080 matters. And accountability is not a, 238 00:12:40,280 --> 00:12:43,560 it's not a, it's not a bad word. It's not about beating ourselves 239 00:12:43,560 --> 00:12:47,840 up because we made a mistake. It is the thing that's going to 240 00:12:47,840 --> 00:12:50,400 help us create that change for ourselves. 241 00:12:50,400 --> 00:12:53,520 And so like right now we're in the middle as I record this, 242 00:12:53,520 --> 00:12:56,680 we're in the middle, the savings challenge for the summer. 243 00:12:56,680 --> 00:12:59,960 And part of it is just sending me an e-mail back saying, Hey, I 244 00:12:59,960 --> 00:13:02,400 did the thing for today or this was my win for today. 245 00:13:02,800 --> 00:13:06,640 And it is not a, I'm going to, you know, keep track kind of 246 00:13:06,640 --> 00:13:11,160 thing or it's not that you're going to have any less success. 247 00:13:11,480 --> 00:13:14,320 It is just knowing that someone could check in on you about 248 00:13:14,320 --> 00:13:17,280 something and having that accountability also is going to 249 00:13:17,280 --> 00:13:20,920 help with your success. So, So what if we stopped 250 00:13:20,920 --> 00:13:25,400 treating our mistakes like identity labels and we actually 251 00:13:25,400 --> 00:13:27,280 treated them like the things that they are? 252 00:13:27,440 --> 00:13:30,760 It's information, information for us to do things a little bit 253 00:13:30,760 --> 00:13:33,840 differently next time, right? Just like we do with our kids. 254 00:13:34,120 --> 00:13:37,400 Do we say, oh, you are, you know, we're not going to tell 255 00:13:37,400 --> 00:13:40,160 our kids they're a mistake if they make a mistake or that 256 00:13:40,160 --> 00:13:42,480 they're, you know, bad at this. They're learning it. 257 00:13:42,480 --> 00:13:45,760 And just like you, this is something new that maybe you 258 00:13:45,760 --> 00:13:49,120 have tried before and it hasn't worked well for you because 259 00:13:49,120 --> 00:13:51,720 maybe the system wasn't set up for you or maybe there's 260 00:13:51,720 --> 00:13:54,080 something you've never learned. So having compassion for 261 00:13:54,080 --> 00:13:57,200 yourself and having grace for yourself is very, very important 262 00:13:57,480 --> 00:14:00,520 because this is a journey. It's not an overnight thing 263 00:14:00,920 --> 00:14:03,720 where you are with your financial goals right now didn't 264 00:14:03,720 --> 00:14:06,080 happen overnight. And then getting to a place 265 00:14:06,080 --> 00:14:08,320 where you're more comfortable with those, you're more 266 00:14:08,320 --> 00:14:09,880 confident with those does take time. 267 00:14:10,000 --> 00:14:14,320 So, but remember, your worst money decision does not get to 268 00:14:14,320 --> 00:14:17,560 become your permanent identity. So there you go. 269 00:14:17,720 --> 00:14:19,360 I think that's some good stuff right there. 270 00:14:19,680 --> 00:14:23,560 Your worst money decision does not need to become your 271 00:14:23,560 --> 00:14:25,920 permanent identity. All right, there it is. 272 00:14:26,040 --> 00:14:29,760 All right. So while I am not a therapist or 273 00:14:29,760 --> 00:14:33,920 a counselor of any kind, I am a financial coach and one of the 274 00:14:33,920 --> 00:14:37,520 things I love to do is just have conversations with listeners 275 00:14:37,920 --> 00:14:41,480 about what is going on with your finances and help you fix the 276 00:14:41,480 --> 00:14:43,880 one thing that's getting you stuck right now. 277 00:14:44,200 --> 00:14:46,920 I've started these Borrow My Brain sessions where you can 278 00:14:46,920 --> 00:14:51,480 book a 15 minute session with me and I will help you unpack the 279 00:14:51,480 --> 00:14:54,560 situation that you're going through and get you your next 280 00:14:54,560 --> 00:14:57,920 best step so that you can get unstuck. 281 00:14:58,200 --> 00:15:02,160 So the cool thing about this is that sometimes these might make 282 00:15:02,160 --> 00:15:04,520 for a great episode of the show here. 283 00:15:04,520 --> 00:15:06,120 So you could be featured on the show. 284 00:15:06,440 --> 00:15:09,480 You can be anonymous if you would like also, but I'm going 285 00:15:09,480 --> 00:15:12,840 to leave that link in the show notes so you can book your 286 00:15:12,880 --> 00:15:16,440 Borrow My Brain session. All right, so before we sign 287 00:15:16,440 --> 00:15:19,600 off, I want to remind you that your money habits can change 288 00:15:19,600 --> 00:15:22,120 faster than the story you've told yourself about them. 289 00:15:22,120 --> 00:15:25,120 Healing your finances starts with changing the way that you 290 00:15:25,120 --> 00:15:29,080 see yourself and your money. And also you are not your 291 00:15:29,120 --> 00:15:32,920 overdraft fee, your debt balance, your credit score, or 292 00:15:32,920 --> 00:15:36,400 your financial past. So I am excited to have a 293 00:15:36,400 --> 00:15:38,480 conversation with you. If you want want to talk more 294 00:15:38,480 --> 00:15:42,160 about this or another thing that is getting you stuck in your 295 00:15:42,160 --> 00:15:46,520 money, jump on my website and book your book your borrow my 296 00:15:46,520 --> 00:15:48,920 brain session. All right, we'll see you in the 297 00:15:48,920 --> 00:15:50,360 next episode. Thank you for. 298 00:15:50,360 --> 00:15:54,080 Tuning into the debt rebel show today ready to take your family 299 00:15:54,080 --> 00:15:58,640 budgeting to the next level stop that paycheck to paycheck grind 300 00:15:58,640 --> 00:16:02,120 and start living debt free head over to my website 301 00:16:02,240 --> 00:16:07,920 debtrebelpodcast.com that's. DEBTREDE. 302 00:16:08,080 --> 00:16:13,200 Elpodcast.com to grab resources, tools and tips to make it 303 00:16:13,200 --> 00:16:16,160 happen. And don't forget, subscribe, 304 00:16:16,240 --> 00:16:19,640 leave a review and if you know another family that will love 305 00:16:19,640 --> 00:16:21,520 hearing today's episode. It would. 306 00:16:21,520 --> 00:16:25,840 Be such a gift for both of us, your friend and me, if you share 307 00:16:25,840 --> 00:16:28,280 this episode. And remember, your debt free 308 00:16:28,280 --> 00:16:31,680 life starts with one brave step and I'm cheering you on every 309 00:16:31,680 --> 00:16:33,280 step of the way. We'll talk soon. 310 00:16:33,280 --> 00:16:33,760 Debt Rebel.