1 00:00:00,040 --> 00:00:04,320 So I'm really excited about today's episode, talking about a 2 00:00:04,320 --> 00:00:07,680 few of my favorite things. OK, I'm not going to start 3 00:00:07,680 --> 00:00:12,280 singing, but today's episode is for you. 4 00:00:12,280 --> 00:00:16,160 If you have thought January, you get your credit card statement 5 00:00:16,160 --> 00:00:18,680 and you're like, how is the world? 6 00:00:19,000 --> 00:00:21,240 Did I spend so much money at Christmas? 7 00:00:21,560 --> 00:00:24,080 Because you said, you know what, this year is going to be 8 00:00:24,080 --> 00:00:27,760 different and you got your credit card bill and boom, snuck 9 00:00:27,760 --> 00:00:30,640 up on you and you did it again, right? 10 00:00:30,640 --> 00:00:34,520 So First off, I want to, I want to help you with that. 11 00:00:35,040 --> 00:00:39,040 And then second, I want to help you create a credit card free 12 00:00:39,040 --> 00:00:41,240 Christmas this year. So stay tuned. 13 00:00:41,360 --> 00:00:47,440 I have 5 hacks for you to help you have a credit card free 14 00:00:47,560 --> 00:00:50,040 Christmas. Hey there, I'm Jules the budget 15 00:00:50,040 --> 00:00:52,120 nerd and welcome to the Debt Rebel show. 16 00:00:52,200 --> 00:00:55,560 This is the place where working families like yours learn how to 17 00:00:55,560 --> 00:00:58,760 stop living paycheck to paycheck, crush debt for good, 18 00:00:58,760 --> 00:01:01,680 and build a life where money actually works for your family. 19 00:01:01,880 --> 00:01:06,240 In about 15 minutes, I'll share practical family tips, tough 20 00:01:06,240 --> 00:01:09,840 love strategies, and actionable steps to move toward debt free 21 00:01:09,840 --> 00:01:13,000 living without the fluff, the shame, or the confusion. 22 00:01:13,040 --> 00:01:15,040 And I know a thing or two about this. 23 00:01:15,040 --> 00:01:19,520 My family and I have eliminated over $107,000 in consumer debt 24 00:01:19,720 --> 00:01:22,560 and that was after I got my degree in economics. 25 00:01:22,640 --> 00:01:25,840 So stay tuned. This is going to be a great 26 00:01:25,840 --> 00:01:27,840 episode. So grab that coffee, your 27 00:01:27,840 --> 00:01:31,440 planner, whatever you need to make this a great experience. 28 00:01:31,440 --> 00:01:34,720 Maybe a snack if you're like me. And let's make your money work 29 00:01:34,720 --> 00:01:38,360 for your. All right, So today's episode is 30 00:01:38,360 --> 00:01:40,680 one of my favorites because, OK, First off, we're talking about 31 00:01:40,680 --> 00:01:42,960 budgeting. And I'm Jules, the budget nerd. 32 00:01:43,200 --> 00:01:45,800 But we're going to be talking about Christmas holiday 33 00:01:45,800 --> 00:01:48,760 spending. The stuff that we, this is one 34 00:01:48,760 --> 00:01:53,360 of the times of year that our budgets can get completely off 35 00:01:53,360 --> 00:01:56,840 the rails. We start feeling guilty, we add 36 00:01:56,840 --> 00:02:02,200 to that debt load, we overspend, and then the shame spiral just 37 00:02:02,200 --> 00:02:07,320 continues to get worse, right? So I want to halt that right now 38 00:02:07,320 --> 00:02:11,400 and to help set you up for a credit card free Christmas 39 00:02:11,400 --> 00:02:15,480 because that is could be your gift this year, right? 40 00:02:15,560 --> 00:02:19,880 To open up your credit card statement in January and see the 41 00:02:19,880 --> 00:02:23,400 balance go down. What Oh my gosh, how great of a 42 00:02:23,400 --> 00:02:27,200 gift would that be to to your future self, to your family, to 43 00:02:27,200 --> 00:02:30,640 your marriage, to your future goals, So many things. 44 00:02:30,720 --> 00:02:34,960 OK, so I'm going to talk about today 5 simple hacks that that 45 00:02:34,960 --> 00:02:38,160 you can apply this year right now to help you enjoy the 46 00:02:38,160 --> 00:02:42,480 holidays without that credit card hangover in January. 47 00:02:42,480 --> 00:02:46,160 So if you are new to the web, if you are new to the podcast, I 48 00:02:46,160 --> 00:02:47,880 just want to say a special welcome. 49 00:02:47,920 --> 00:02:51,840 I love talking about budgeting and debt elimination because of 50 00:02:51,920 --> 00:02:55,720 what has done for our family and the life that is created for us. 51 00:02:56,040 --> 00:03:00,000 So I am on a personal mission to help families break free from 52 00:03:00,000 --> 00:03:04,560 that paycheck to paycheck cycle and eliminate debt for good so 53 00:03:04,600 --> 00:03:07,800 that you can focus your time attention on other things 54 00:03:07,800 --> 00:03:12,440 instead of paying for yesterday and reliving the shame of past 55 00:03:12,440 --> 00:03:15,360 purchases. All right, so let's get back to 56 00:03:15,360 --> 00:03:19,240 that because I want to talk about these things because these 57 00:03:19,240 --> 00:03:23,000 are gifts that you can give yourself right now to set 58 00:03:23,000 --> 00:03:26,760 yourself up to have a more enjoyable holiday season. 59 00:03:27,000 --> 00:03:31,720 So some of my absolute favorite things about Christmas are just, 60 00:03:31,760 --> 00:03:36,640 Oh my gosh, the smells, the food, the time with people and 61 00:03:36,640 --> 00:03:39,440 just kind of there, you know, yes, it can be a super busy 62 00:03:39,440 --> 00:03:40,920 time. There's like some interesting 63 00:03:40,920 --> 00:03:42,640 pockets of breaks and things like that. 64 00:03:42,640 --> 00:03:46,800 But one of the things that has helped our family is focus in on 65 00:03:46,800 --> 00:03:49,080 what is the most important thing for the season. 66 00:03:49,160 --> 00:03:53,280 And so for us, it's not necessarily about spending a 67 00:03:53,280 --> 00:03:57,120 bunch of money, but the first hack that I have for you is to 68 00:03:57,400 --> 00:04:01,120 set your holiday spending cap upfront, whatever that amount 69 00:04:01,120 --> 00:04:06,280 is, is to decide now what that's going to be and then don't go 70 00:04:06,280 --> 00:04:08,400 over it. So I know that's so much easier 71 00:04:08,400 --> 00:04:11,640 said than done. But when we have that money and 72 00:04:11,640 --> 00:04:15,880 we know what that number is, it's so much easier to stick 73 00:04:15,880 --> 00:04:19,440 with that when we know what that number is instead of just this 74 00:04:19,440 --> 00:04:22,640 vague, I'm going to spend less than last year Will do you know 75 00:04:22,640 --> 00:04:25,400 how much she spent last year? OK, go back and look. 76 00:04:25,400 --> 00:04:29,160 And then maybe that's what your target is this year, but I would 77 00:04:29,160 --> 00:04:32,960 say the best way to stick to this is to treat it like a 78 00:04:33,000 --> 00:04:36,720 boundary and not a suggestion. Whatever, once that money is 79 00:04:36,720 --> 00:04:40,280 spent, it's spent. And so being specific and 80 00:04:40,280 --> 00:04:44,160 intentional with it is going to help you stay within. 81 00:04:44,400 --> 00:04:46,760 That's whatever that set amount is. 82 00:04:47,320 --> 00:04:51,680 So another, another hack is to use a sinking fund, even if 83 00:04:51,680 --> 00:04:54,720 there aren't, depending on when you're listening to this, if 84 00:04:54,720 --> 00:04:58,720 there aren't very many weeks left until Christmas or whenever 85 00:04:58,720 --> 00:05:02,960 you do your gift giving or your gift purchasing or your holiday 86 00:05:02,960 --> 00:05:07,200 spending is even if it's just a little bit every single week, 87 00:05:08,000 --> 00:05:12,680 set that aside. So even $2550 a week is stash 88 00:05:12,680 --> 00:05:16,560 that in a separate savings account or checking account or 89 00:05:16,720 --> 00:05:19,840 if it needs to be cash and it needs to be in an envelope so 90 00:05:19,840 --> 00:05:22,240 that you're not tempted to spend at other places. 91 00:05:22,760 --> 00:05:24,960 You know yourself well enough to know which one's going to be the 92 00:05:24,960 --> 00:05:29,200 most effective for our family is I have it in a separate account 93 00:05:29,520 --> 00:05:32,600 so that it's not something that I can see on a regular basis. 94 00:05:32,600 --> 00:05:36,000 And it's just money that's set aside that I save throughout the 95 00:05:36,000 --> 00:05:40,400 year so that I know exactly how much money I have to spend at 96 00:05:40,520 --> 00:05:44,280 the holiday time. All right, so this is hack #3 97 00:05:44,640 --> 00:05:48,000 simplify gift giving with some boundaries. 98 00:05:48,080 --> 00:05:54,160 So you'll kind of hear this common, common thread throughout 99 00:05:54,160 --> 00:05:56,480 this and it's about setting boundaries for ourselves. 100 00:05:56,840 --> 00:05:59,320 And it's super healthy to set boundaries for ourselves, 101 00:05:59,320 --> 00:06:01,480 especially we set them for our children. 102 00:06:01,800 --> 00:06:05,520 So let's set them for ourselves. And so one of the things that's 103 00:06:05,520 --> 00:06:09,080 helpful for us when it comes to the gift giving process is in 104 00:06:09,080 --> 00:06:13,240 our gift planning process is deciding there is there a limit. 105 00:06:13,320 --> 00:06:14,920 So maybe you have a large family. 106 00:06:14,920 --> 00:06:18,880 I know I was talking to a friend who has seven kids and she's 107 00:06:18,880 --> 00:06:22,040 like, I just want to give up gift giving all together because 108 00:06:22,040 --> 00:06:26,960 it just it's so out of control. So for for, you know, for them, 109 00:06:26,960 --> 00:06:30,920 maybe it is focusing on a family gift or a family experience. 110 00:06:31,280 --> 00:06:35,280 One thing that my mom has done for us every single year for the 111 00:06:35,280 --> 00:06:40,440 last few years is she gives a family gift to my sister and her 112 00:06:40,440 --> 00:06:44,480 family and myself and my family. And we all go have an 113 00:06:44,480 --> 00:06:47,800 experience, which all is hack #4 I'll tell you about that in a 114 00:06:47,800 --> 00:06:50,560 second. But we all go to The Nutcracker 115 00:06:50,600 --> 00:06:53,320 ballet together. And so we experienced that 116 00:06:53,320 --> 00:06:55,320 together. And so this year my daughter's 117 00:06:55,320 --> 00:06:57,440 actually going to be in it, which is very exciting. 118 00:06:57,440 --> 00:06:59,800 So it'll be even more amazing this year. 119 00:06:59,800 --> 00:07:02,720 But that is something that we have started and it's now a new 120 00:07:02,720 --> 00:07:06,160 family tradition. My mom gives, is able to give 121 00:07:06,160 --> 00:07:09,400 the gift because she loves giving gifts, but it also helps 122 00:07:09,400 --> 00:07:13,320 us, helps her stay within some boundaries, but it also creates 123 00:07:13,320 --> 00:07:15,960 an experience for our family that we absolutely love. 124 00:07:16,880 --> 00:07:20,760 So to go with that is normalizing the fact that 125 00:07:20,760 --> 00:07:25,240 scaling back isn't necessarily about, it isn't about the money. 126 00:07:25,240 --> 00:07:28,360 It's about the meaning of what you want, your experience, what 127 00:07:28,360 --> 00:07:30,880 you want your Christmas to look like with you and your family. 128 00:07:31,200 --> 00:07:34,760 So I know some families will do 4 gifts per child, something 129 00:07:34,760 --> 00:07:36,920 they want, something they need, something they wear and 130 00:07:36,920 --> 00:07:39,480 something they read. Pinterest is full of all kinds 131 00:07:39,600 --> 00:07:44,640 of those types of ideas, but the whole point is to maybe reduce 132 00:07:44,640 --> 00:07:48,160 what you have done in the past to help with the financial 133 00:07:48,160 --> 00:07:50,880 goals. But that takes us to the next 134 00:07:50,880 --> 00:07:54,640 one is getting creative with your memory making. 135 00:07:54,640 --> 00:07:59,040 So for us, creating those those memories together and like I 136 00:07:59,040 --> 00:08:01,760 talked about that family gift that my mom does, that is a 137 00:08:01,760 --> 00:08:04,880 memory that we have year to year and it's so much fun. 138 00:08:04,880 --> 00:08:08,680 We have photos and it's just a great experience for our family. 139 00:08:08,680 --> 00:08:11,800 We all enjoy it it and it gets better and better every year. 140 00:08:11,840 --> 00:08:16,120 So this hack about creating, getting creative about making 141 00:08:16,120 --> 00:08:20,800 memories with your families, sometimes the best memories you 142 00:08:20,800 --> 00:08:24,600 can create with your family cost very little or nothing at all. 143 00:08:24,960 --> 00:08:29,800 SO1 tradition that we've had in the past with my family is 144 00:08:29,800 --> 00:08:33,320 we'll, we'll do, we'll make hot chocolate, put it in a thermos 145 00:08:33,400 --> 00:08:35,600 and we will drive around and look at Christmas lights and 146 00:08:35,600 --> 00:08:38,720 listen to Christmas music and eat cookies in the car, like 147 00:08:38,720 --> 00:08:41,720 that kind of stuff. So it's getting getting creative 148 00:08:41,960 --> 00:08:45,760 and it's not about necessarily the dollar amount, but focusing 149 00:08:45,760 --> 00:08:52,240 in on the experience is going to is going to help you stay within 150 00:08:52,240 --> 00:08:55,120 your financial parameters, within those boundaries, but 151 00:08:55,120 --> 00:08:57,800 have an amazing experience and celebration with your family. 152 00:08:58,160 --> 00:09:01,320 I know some families do like a thrifted like ugly sweater 153 00:09:01,320 --> 00:09:02,680 party. You know, maybe that's a 154 00:09:02,680 --> 00:09:04,600 Pollock. Everyone brings something they 155 00:09:04,600 --> 00:09:08,760 have their ugly sweater and it's just a time to be together and 156 00:09:08,760 --> 00:09:12,000 to celebrate. But not a lot of money has been. 157 00:09:12,160 --> 00:09:15,200 Another thing that we do with our extended family is we have 158 00:09:15,200 --> 00:09:19,080 we each bring a family gift and so each, each family wants to 159 00:09:19,080 --> 00:09:21,280 participate. We do a gift exchange and 160 00:09:21,280 --> 00:09:24,680 there's a limit on it. So we don't spend more than $25 161 00:09:25,440 --> 00:09:27,880 on the gift. And all the families that want 162 00:09:27,880 --> 00:09:30,840 to participate get, you know, do participate. 163 00:09:31,120 --> 00:09:34,440 And then we do do a gift exchange. 164 00:09:34,640 --> 00:09:38,920 It usually ends up in some sort of, you know, very animated 165 00:09:39,040 --> 00:09:43,120 discussion about the rules that don't go well, But it's about 166 00:09:43,120 --> 00:09:44,840 the experience and the time together. 167 00:09:44,920 --> 00:09:47,520 That's another part of our family tradition is we don't 168 00:09:47,520 --> 00:09:49,200 necessarily spend a lot of money on that. 169 00:09:49,200 --> 00:09:53,440 But usually the memory that we have is that there's a specific 170 00:09:53,440 --> 00:09:55,840 family member that never gets the rules right, even though 171 00:09:55,840 --> 00:09:58,080 it's the same game we've played for years. 172 00:09:58,320 --> 00:10:01,840 It's kind of this ongoing joke. So one thing I want to remind 173 00:10:01,840 --> 00:10:05,720 you is in all of this, your kids are not going to remember the 174 00:10:05,720 --> 00:10:08,120 price tag. I don't remember the price tag 175 00:10:08,200 --> 00:10:11,200 of the gifts that I was given as a kid, and neither will your 176 00:10:11,200 --> 00:10:13,520 kids. What they will remember is the 177 00:10:13,520 --> 00:10:16,520 time that you had together, the memories that you created 178 00:10:16,520 --> 00:10:19,800 together. So when our family says keep 179 00:10:19,800 --> 00:10:22,320 your eye on the prize, that's the what we mean in this 180 00:10:22,320 --> 00:10:25,960 scenario is it's not about the amount of money that you've 181 00:10:25,960 --> 00:10:28,360 spent or even if you stayed within your budget. 182 00:10:28,360 --> 00:10:32,760 Your kids are going to remember the time that they got to spend 183 00:10:32,760 --> 00:10:35,240 with you. And that's what that's what most 184 00:10:35,240 --> 00:10:38,200 kids, whether they are going to tell you that or not with their 185 00:10:38,200 --> 00:10:41,680 words, that is what they want. And so in all of the years, I 186 00:10:41,680 --> 00:10:45,400 worked with youth for over 20 years, and that is the common 187 00:10:45,400 --> 00:10:48,240 thing with all of the youth that I've ever worked with, mostly 188 00:10:48,240 --> 00:10:52,960 with teenagers, is they just really want to be able to spend 189 00:10:52,960 --> 00:10:54,800 time with the people that they care about. 190 00:10:54,800 --> 00:10:58,440 Sometimes that's their friends, but most of the time they want 191 00:10:58,640 --> 00:11:01,840 they just want the attention of the adults in their life. 192 00:11:01,840 --> 00:11:05,800 And so I highly encourage you this holiday season if you have 193 00:11:05,800 --> 00:11:08,160 youth in your life that sometimes we feel like they 194 00:11:08,160 --> 00:11:12,320 might not need us because, you know, teenage years can be very 195 00:11:12,320 --> 00:11:14,760 challenging and especially if you're parenting a teenager. 196 00:11:15,080 --> 00:11:17,680 I see you. I'm not in that stage, although 197 00:11:17,680 --> 00:11:21,640 sometimes it feels like I am with my 6 year old going on 16. 198 00:11:21,880 --> 00:11:24,920 But with all of the teenagers that I have worked with in my 199 00:11:24,920 --> 00:11:29,800 career have seen the one big common thing is that they want 200 00:11:29,800 --> 00:11:31,840 to spend time with the adults in their life. 201 00:11:31,840 --> 00:11:34,800 They they want to, even though they might not necessarily say 202 00:11:34,800 --> 00:11:36,520 that. So that's just a total side 203 00:11:36,520 --> 00:11:37,960 note. But having having those 204 00:11:37,960 --> 00:11:42,440 experiences and realizing that our kids aren't going to 205 00:11:42,440 --> 00:11:46,560 remember the price tag for the, you know, Tickle Me Elmo. 206 00:11:46,560 --> 00:11:48,840 I don't remember how much Tickle Me Elmo was when I was a kid, 207 00:11:48,840 --> 00:11:51,560 but that was a big one. I have no idea what it cost. 208 00:11:51,560 --> 00:11:52,760 I don't even know what it cost now. 209 00:11:53,000 --> 00:11:56,160 But the whole point is they are going to remember the time with 210 00:11:56,160 --> 00:11:59,320 you and not the price tag on the thing, the gift that you gave 211 00:11:59,320 --> 00:12:02,000 them. All right, hack #5 So when you 212 00:12:02,040 --> 00:12:05,440 are shopping, I'll, the app that I use is the every dollar app, 213 00:12:05,440 --> 00:12:06,640 but you can use whatever you want. 214 00:12:06,640 --> 00:12:10,600 Maybe it's a simple no on your phone is track as you go. 215 00:12:10,840 --> 00:12:14,680 So that you know, I'll do this too with my, with my gift list 216 00:12:14,680 --> 00:12:16,760 is who am I going to purchase gifts for? 217 00:12:16,760 --> 00:12:20,080 And then I know what I have spent on them and what gift I've 218 00:12:20,080 --> 00:12:23,160 gotten them. So that one I don't forget. 219 00:12:23,440 --> 00:12:26,160 And then also I know that I've, I've given them a gift. 220 00:12:26,160 --> 00:12:29,720 I've accomplished what I set out to there, but keeping track in 221 00:12:29,720 --> 00:12:33,920 real time is going to help you see where maybe you overspent on 222 00:12:33,920 --> 00:12:37,720 one or you know you can have more to spend on another. 223 00:12:38,000 --> 00:12:40,600 See within the parameters that you have set for yourself, 224 00:12:40,800 --> 00:12:43,800 right. So to recap the five hacks real 225 00:12:43,800 --> 00:12:49,120 quick is to set that holiday spending cap upfront and so know 226 00:12:49,120 --> 00:12:53,000 how much you are willing to spend for your holiday 227 00:12:53,000 --> 00:12:55,360 celebration. And then 2 is create a sinking 228 00:12:55,360 --> 00:12:59,320 fund for that. Even if it's just $25 a week to 229 00:12:59,320 --> 00:13:02,680 add to that, it's going to help you steer clear of that credit 230 00:13:02,680 --> 00:13:06,400 card this holiday season. And then #3 is simplify your 231 00:13:06,400 --> 00:13:09,440 gift giving boundaries. So having maybe a family gift 232 00:13:09,440 --> 00:13:13,360 exchanges and normalize the meaning of the holiday 233 00:13:13,360 --> 00:13:15,680 experience and not the money part of it. 234 00:13:15,680 --> 00:13:20,040 So refocusing, redirecting your attention on that hack #4 is 235 00:13:20,040 --> 00:13:23,480 getting creative with your memory, making it can be a be 236 00:13:23,480 --> 00:13:26,640 something basic and remember that our kids are going to 237 00:13:26,920 --> 00:13:30,560 remember the time and not the price tag of their experience 238 00:13:30,760 --> 00:13:32,320 and their holiday celebration with you. 239 00:13:32,440 --> 00:13:36,400 And then hack #5 track as you go so you know when when you could 240 00:13:36,400 --> 00:13:39,120 be getting off track and it helps you create it. 241 00:13:39,200 --> 00:13:43,200 It helps you prevent the oops I overspent moments. 242 00:13:43,200 --> 00:13:47,800 O so as a reminder, you can do this and you also don't need to 243 00:13:47,800 --> 00:13:51,520 go into debt to make the holidays magical this year. 244 00:13:51,680 --> 00:13:55,160 So I want to encourage you just to pick one of those things 245 00:13:55,160 --> 00:13:58,720 today and get started with it. See what could happen so that 246 00:13:58,720 --> 00:14:03,520 you are giving your future self, your January self a gift right 247 00:14:03,520 --> 00:14:06,440 now by picking one of those hacks to get started on. 248 00:14:06,480 --> 00:14:10,880 So if you also are like, hey, these are some really great 249 00:14:10,880 --> 00:14:12,760 ideas. Do you have more? 250 00:14:12,760 --> 00:14:15,200 I would say absolutely, I definitely do. 251 00:14:15,200 --> 00:14:18,720 And I'm you can jump on mywebsite.rebelpodcast.com and 252 00:14:18,720 --> 00:14:20,320 grab the Debt Rebel Star Starter Kit. 253 00:14:20,920 --> 00:14:23,120 And you can grab the free Debt Rebel Starter Kit. 254 00:14:23,400 --> 00:14:28,160 It's not only going to give you some ideas to help bring peace 255 00:14:28,160 --> 00:14:31,520 to you in this holiday season, but it's also going to help you 256 00:14:31,680 --> 00:14:35,280 set out and create a budget that works for you and your family. 257 00:14:35,520 --> 00:14:38,280 It's going to give you some ideas on ways to save, create 258 00:14:38,280 --> 00:14:41,560 some margin in your life, and to finally eliminate debt from your 259 00:14:41,560 --> 00:14:44,160 life. So that next Christmas, you 260 00:14:44,160 --> 00:14:46,800 won't even have to put these hacks into place because you're 261 00:14:46,800 --> 00:14:50,080 already working on them and creating these habits for you 262 00:14:50,080 --> 00:14:52,840 and your family that are going to serve you and your goals and 263 00:14:52,840 --> 00:14:55,520 your future self so much better. So check out the Debt Rebel 264 00:14:55,520 --> 00:14:57,200 Starter Kit. It's available on my website. 265 00:14:57,200 --> 00:15:00,720 It's totally free. And I hope that it is a blessing 266 00:15:00,720 --> 00:15:05,960 to you and allows you to have a holiday season that is full of 267 00:15:05,960 --> 00:15:09,640 joy and not about financial regrets and the shame that we 268 00:15:09,640 --> 00:15:11,640 can feel when it comes to overspending. 269 00:15:11,640 --> 00:15:14,720 So I hope that you have a fantastic holiday season and 270 00:15:14,720 --> 00:15:17,560 we'll talk with you next time. Thank you for tuning into the 271 00:15:17,560 --> 00:15:20,480 Debt Rebel show today. Ready to take your family 272 00:15:20,480 --> 00:15:24,200 budgeting to the next level? Stop that paycheck to paycheck 273 00:15:24,200 --> 00:15:26,480 grind and start living debt free. 274 00:15:26,600 --> 00:15:30,560 Head over to my website, debtrebelpodcast.com. 275 00:15:30,560 --> 00:15:38,840 That's DEBTRE delpodcast.com to grab resources, tools and tips 276 00:15:38,840 --> 00:15:41,720 to make it happen. And don't forget, subscribe, 277 00:15:41,840 --> 00:15:44,560 leave a review. And if you know another family 278 00:15:44,560 --> 00:15:48,000 that will love hearing today's episode, it would be such a gift 279 00:15:48,000 --> 00:15:50,760 for both of us, your friend and me. 280 00:15:50,880 --> 00:15:54,120 If you share this episode and remember your debt free life 281 00:15:54,120 --> 00:15:57,520 starts with one brave step and I'm cheering you on every step 282 00:15:57,520 --> 00:15:58,840 of the way. We'll talk soon. 283 00:15:58,840 --> 00:15:59,360 Debt Rebel.