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OK, so you know that feeling 
when payday hits and 

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everything's already been spoken
for? 

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So whether that's your rent and 
your mortgage, groceries, gas, 

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those survival mode items, 
before you can even blink, it's 

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gone. 
So if you've been stuck in 

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survival mode lately, this 
episode is your road map to stop

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that panic cycle and start 
rebuilding financial stability. 

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So I want you to know you are 
not alone. 

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Most families are one unexpected
bill away from a huge amount of 

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stress. 
So today I will show you how to 

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move from barely hanging on to 
confidently setting aside your 

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first emergency fund without 
feeling like you're sacrificing 

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everything to make it happen. 
Hey there, I'm Jules the budget 

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nerd, and welcome to the Debt 
Rebel Show. 

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This is the place where working 
families like yours learn how to

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stop living paycheck to 
paycheck, crush debt for good, 

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and build a life where money 
actually works for your family. 

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In about 15 minutes, I'll share 
practical family budgeting tips,

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tough love strategies, and 
actionable steps to move toward 

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debt free living without the 
fluff, the shame, or the 

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confusion. 
And I know a thing or two about 

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this. 
My family and I have eliminated 

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over $107,000 in consumer debt 
and that was after I got my 

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degree in Economics. 
So stay tuned. 

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This is going to be a great 
episode. 

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So grab that coffee, your 
planner, whatever you need to 

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make this a great experience. 
Maybe a snack if you're like me.

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And let's make your money work 
for your family. 

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All right, so if you got a 
chance to listen to the last 

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episode of the show, I talked 
about what happens when your 

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income is uncertain. 
So in specific reference to the 

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US government shutdown, as I'm 
recording this, it's still 

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happening. 
So it's on a day-to-day basis, 

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but a lot of families are 
shifting into survival mode for 

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their spending. 
And so that's what that episode 

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is about. 
And I want to talk about that 

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today. 
But what do you do after your 

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income returns or you want to 
create that financial stability 

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for yourself? 
So when this situation comes up,

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it might look a little bit 
different next time you are 

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prepared. 
What survival mode looks like is

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just being reactionary, living 
paycheck to paycheck and having 

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no margin for error. 
So when things come up, you are 

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putting him on a credit card, 
you are having to move money 

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around, maybe balance transfers 
on credit cards, that kind of 

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stuff. 
You're constantly in that fight 

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or flight financial mode. 
So I want to say I have been 

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there before. 
And I also want to talk about 

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what it looks like on an 
emotional and practical side 

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because sometimes we can just 
think this is the normal thing, 

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everyone does it. 
And I want to, I want to 

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challenge that belief and that 
thought because just because 

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other people are doing it 
doesn't make it right for us or 

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for our families. 
Some kind of things to be 

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thinking about, and I know I've 
been in this place before, is 

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checking our bank accounts 
before we ever make a purchase. 

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I remember one time I had 
checked the bank account, it was

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payday and went grocery shopping
and got up to the check stand 

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and swiped my card and it wasn't
happening. 

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It was super embarrassing but I 
checked my account and before we

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left and didn't realize that 
something else was had already 

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beat its way there and so it 
was. 

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Not only was it really 
embarrassing, but I had a cart 

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full of food. 
It's not like I was trying to 

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plan this amazing all inclusive 
trip to Mexico with my family. 

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I was trying to feed my family. 
It was a really unfortunate 

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situation. 
And so also maybe pulling up to 

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the gas pump and you're like, 
all right, let's hope I can fill

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this thing up so you can get out
of there and still actually be 

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able to pay for it, right? 
So all of those things are, I 

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want quote UN quote normal, but 
it's also when we are just 

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completely maxed out, when 
you're maxed out financially, it

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does spill over in other areas. 
And so it doesn't allow you to 

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show up and be the best parent 
or the best spouse, maybe the 

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best team member, maybe the best
employee. 

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It spills over in other areas. 
And there's a reason why I want 

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you to know that there is a way 
out. 

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And now that you have 
experienced the survival mode 

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budget and you've put that into 
place, which is the golden 

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ticket for helping you create 
this emergency fund is staying 

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in that a little bit longer. 
So if you listen to that last 

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episode, you created that the 
necessary expenses, so roof over

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your head, food in your belly, 
in your family's bellies, and 

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then the necessities like 
medical and transportation to 

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and from work, those things are 
covered. 

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Everything else can stay paused 
until you get that emergency 

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fund set up. 
And that really is the key. 

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There's some other things we'll 
talk about too that you can add 

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in there. 
I have those also in my free 

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Debt Rebel starter kit that you 
can get on my website. 

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But this will help you create 
that buffer for yourself so that

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when unexpected things in life 
come up, you can say it's OK, I 

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have an emergency fund. 
And also things change a little 

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bit when you have that emergency
fund. 

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And I'll talk about that more in
a little bit here. 

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But the one thing I want to 
encourage you is you're coming 

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out of survival mode. 
If we stay within that survival 

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mode budget for just a little 
bit longer, that's going to help

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set us up for financial success 
in the future. 

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All right, so I want to talk 
about the OK, so your income has

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come back. 
You are getting your regular 

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paycheck again, and it's super 
easy when you're coming out of 

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that survival mode time is to go
back to your old spending 

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habits. 
And I really want to encourage 

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you to stay within that for just
a little bit because this is 

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where you can create the massive
progress in creating that 

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emergency fund. 
It's not time to, you know, go 

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splurge and go buy, you know, go
buy that TV that you really 

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wanted. 
We're going to watch the TV that

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we have and we're going to build
this margin for ourselves and 

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for our families. 
One thing that I think sometimes

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people, this is a common 
conversation that I have, is 

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that they'll create an emergency
fund when their debt is paid 

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off. 
So I think that's a misnomer. 

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We don't need to be debt free to
build an emergency fund. 

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And I would actually say this is
the priority for you. 

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If you're thinking about being 
debt free at all or eliminating 

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the amount that you use your 
credit cards, It's the very 

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first step that my family and I 
took when we were getting out of

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our debt. 
When we were eliminated, 

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$107,000 of our own debt was we 
made $1000 emergency fund. 

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Typically $1000 is going to 
cover these these things that 

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pop up in life. 
And so that's a great place, 

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great place to start. 
So how do you do it? 

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First off, when you're creating 
your budget, put that in there. 

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Put that as a line item in your 
budget and prioritize this along

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with your survival mode 
expenses, those transportation 

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to and from work, your mortgage 
and utilities and food and then 

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put emergency fund in there. 
Now, this will help you make it 

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a priority. 
So let's break this down into 

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some actionable steps right now.
Remember, this isn't for your 

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forever emergency fund. 
This is to help you get out of 

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that fight or flight mode when 
it comes to your finances. 

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It's the it's the panic. 
It's stop the panic button. 

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It is the piece that you need so
that you can eliminate that debt

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and you can create a little bit 
of a margin for yourself and 

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your family. 
Now the other thing is for 

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myself, this was very important 
is keep it separate from the 

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rest of your finances. 
So maybe it's at a different 

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financial institution. 
It absolutely needs to be 

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separate from your regular 
checking. 

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It could be at the same 
financial institution. 

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I found it's much easier to have
it separate so that I'm not 

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just, you know, making these 
quick transfers to it. 

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You want to have access to it so
that you can get to it within an

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hour. 
So if it's something you need to

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go to an ATM or something like 
that, or you can pop into the 

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bank to get the cash. 
But if it's out of sight, it's 

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out of swipe. 
And so you want to make sure 

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that it's accessible, but not 
right there so that you can just

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make those make those transfers 
from that account to your 

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checking when stuff comes up 
that might not constitute a true

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emergency. 
So now that's the other thing is

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protecting it and making sure 
that defining what an emergency 

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is. 
So if you're managing your 

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finances with another person, 
talk with this other person 

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about what what an emergency 
looks like for you. 

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Now I love a fantastic deal and 
especially I love a great deal 

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on shoes and especially right 
now kids shoes because all my 

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stars and they grow out of them 
so fast. 

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But that is not an emergency. 
An emergency is I got a flat 

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tire and I need to be able to 
get to and from work. 

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An emergency is my sink is 
leaking and I need to call a 

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plumber and have someone come 
fix it. 

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Those types of things coming to 
an agreement on what a true 

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emergency is. 
And that's where having that 

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outside accountability is very 
helpful because we're not going 

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to say, you know what, I don't 
feel like cooking tonight. 

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And so that that counts as an 
emergency rate. 

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So I'm going to go get take out.
So when you're in this, when 

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you're in this season, staying 
focused and deciding ahead of 

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time what an emergency, what 
constitutes an emergency will 

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help you stay in line with what 
matters and aligns with what 

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matters most to you and your 
family. 

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The other thing is if your 
income is back is setting up a 

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regular transfer on every 
payday, even if it is just $25, 

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that's going to be a separate 
line item in your in your put a 

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little bit towards it every 
single pay period and then 

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celebrate. 
So one thing I love doing is I 

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love celebrating with the 
members of the Alliance coaching

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program is these small wins. 
It might feel like, Oh my gosh, 

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I only put $100 in my emergency 
fund this month, but that's so 

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huge. 
OK, let's celebrate that 

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together. 
Send me a voice note. 

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I'd love to celebrate with you 
on the show. 

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I'll leave that link in the show
notes as well. 

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But every single bit celebrate, 
celebrate that because that is a

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deposit into your family's 
financial future and it's going 

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to bring you Peace of Mind long 
term. 

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Now, when I say celebrate, I say
don't go out and buy something 

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that's not don't do that as a 
celebration, but share it with 

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someone. 
Have a little celebration for 

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yourself and acknowledge that 
that is a step in the right 

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direction. 
And another one that I have 

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found it was very helpful for us
is we started to is to go 

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through our home and get rid of 
things that didn't bring value 

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to our home anymore. 
And this one's a great way to 

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make some additional progress 
towards your emergency fund. 

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So we had one listener. 
If you check out episode 19, 

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this is how she created. 
It helped create her emergency 

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fund. 
She found $1900 from going 

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through the Debt Rebel Starter 
Kit and really focusing in on 

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the things that weren't bringing
value to her family's life 

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anymore. 
So not only did she come up with

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her $1000 emergency fund, but 
also helped get her debt 

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snowball going. 
And you can grab that Debt Rebel

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Starter Kit. 
It's available on my website, 

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00:10:56,440 --> 00:10:59,480
jewelsthebudgetnerd.com/starter 
Kit. 

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00:10:59,480 --> 00:11:04,240
JEWLZ, the Budget 
nerd.com/starterkit, it's 

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totally free and it's going to 
give you a bunch of ideas on how

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to create some margin in your 
budget so that you can put that 

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towards your emergency fund. 
Because we have a lot of money 

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that's hiding right in front of 
our face, OK? 

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So remember when we have a small
emergency fund in place, even if

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it, you know, 500 or $1000, we 
stop living in that fight or 

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flight mode and that is where we
can breathe easier and we can 

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make decisions with confidence 
instead of that fearful mode. 

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It's also going to protect your 
family. 

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It's going to protect your Peace
of Mind and it's going to break 

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that paycheck to paycheck cycle.
And that's what this show is all

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about is helping you line align 
your finance so it matter. 

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It matches that you're spending 
matches what matters most to you

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and your family and breaking 
that dreaded paycheck to 

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paycheck cycle. 
So this is your this is your 

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ticket. 
This is the golden ticket. 

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Create not emergency fund. 
So I wanted to send a personal 

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invite. 
If you have been listening to 

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the show for a little bit and 
you've heard about the alliance 

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coaching program. 
We are now enrolling and so I 

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would love to have you join us 
for that additional 

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accountability. 
But there's also all of the 

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previous workshops that I've 
done and the teachings and you 

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can get those all on demand, but
also you get monthly coaching 

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from myself and you can learn 
more about that on my website as

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well. 
All right, Rebel. 

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So to wrap up today, I would 
love to know what your action 

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step is going to be for today 
from listening to this episode. 

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Are you going to grab that debt 
Ripple starter kit and get to 

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work on it? 
If you do, please send me a 

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voice note and let me know. 
And let me know which one of 

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those items you took some action
on, whether it was calling your 

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credit card company and asking 
for a lower interest rate or 

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maybe it is just meal planning. 
But grab that Debt Rebel starter

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00:12:52,800 --> 00:12:53,960
kit. 
It's going to give you a bunch 

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of other ways. 
And so you can get to that $1000

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faster and eliminate that debt 
even faster. 

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All right, thank you so much for
listening and we'll talk soon. 

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Thank you for tuning into the 
Debt Rebel show today. 

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Ready to take your family 
budgeting to the next level? 

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Stop that paycheck to paycheck 
grind and start living debt 

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free. 
Head over to my website, 

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debtrebelpodcast.com. 
That's DEBT REDEL podcast.com to

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grab resources, tools and tips 
to make it happen. 

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And don't forget, subscribe, 
leave a review. 

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And if you know another family 
that will love hearing today's 

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episode, it would be such a gift
for both of us, your friend and 

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00:13:36,000 --> 00:13:38,440
me. 
If you share this episode and 

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remember your debt free life 
starts with one brave step and 

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I'm cheering you on every step 
of the way. 

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We'll talk soon. 
Debt Rebel.