Hello and welcome to the show. Today we're going to talk about
money. OK, So we talk about money all
the time on the show. That's what the show is about.
We are about making our money work better for us and stretch
further and accomplish the goals we have set for our families.
But I want to talk specifically today and I want to address
something that comes up a lot is just the idea that we have about
what we say about our money, what we, how we present it, how
we share it. Hey there, I'm Jules, the budget
nerd, and welcome to the Debt Rebel show.
This is the place where working families like yours learn how to
stop living paycheck to paycheck, crush debt for good,
and build a life where money actually works for your family.
In about 15 minutes, I'll share practical family budgeting tips,
tough love strategies, and the actionable steps to move toward
debt free living without the fluff, the shame or the
confusion. And I know a thing or two about
this. My family and I have eliminated
over $107,000 in consumer debt. And that was after I got my
degree in economics. So stay tuned.
This is going to be a great episode.
So grab that coffee, your planner, whatever you need to
make this a great experience. Maybe a snack if you're like me.
And let's make your money work for your family.
Hi, Jules. This is Bale Doll.
I just recently started listening to you.
Oh, I want to say over like the last four months and I'm like,
it's really hard for me to say this.
I'm 53 and I have a lot of credit card debt and I have a
fairly large house payment. Live in Washington state, super
expensive up here and I do have a good job and if I didn't have
this credit card debt I'd be OK. But I do and I have a lot and I
need encouragement and help. I've got my daughter, but I was
kind of raised not to talk about this stuff, to just kind of keep
it to yourself and maybe. That very special welcome to
Vail. Thank you so much for listening
to the Debt Rebel Podcast and I really appreciated your message.
And you are absolutely right. We are taught not to talk about
our money. And I think that that is one of
the reasons why we can get in these situations where we end up
with credit card debt or we feel a certain way about our spending
habits, whether we're, you know, we don't want to talk about it.
We want to plug our ears and go la, la, la, la, la.
Like, you know, the toddler that's, you know, it's trying to
tell him it's time to go to bed. Or maybe it's the teenager
that's like wants to slam the door in your face because you've
asked them to unload the dishwasher for the 15th time.
Whatever it is, sometimes we just want to escape the
conversation because it's uncomfortable.
And so I think I want to unveil you're not alone.
And two, I want to also address that for others that listen to
the show and think I hear you and I am listening, but I don't
know how to have this conversation with certain people
in my life or what to talk about or what is safe.
And so I want to talk about that today, especially as we go into
the holidays. We might be around family more.
We might be around our family of origin or where we have some
strained relationships. Maybe we have family members
that we've borrowed money from before and we're not able to pay
that back for whatever reason right now or whatever you're
going through with your money and our relationships.
Money can change relationships. And so I wanted to just kind of,
I don't know, peel back that onion today and let's let's talk
about it because I think that things that get left in the
dark, they, they stay there. And when we bring them to the
surface and we talk about and we address them just like we look
back at our bank statements and go, OK, you know what, we can
make some adjustments here. We can do the same thing with
our conversations and our relationships.
And so I have been reading that book Boundaries.
Have you read that before? It's so good.
But it has been really helpful for me and it's one I wish I've
had way back in the day, but I never read it to kind of talk
about boundaries with our money and our conversations about
money with with people in our lives.
And so I know for us, our story is my, my parents taught me how
to manage my money well. And then I didn't.
And then I end up having to borrow money from them.
And then the Bank of mom and dad closed and my husband and I had
a mortgage payment that we needed to make.
And my parents were not a source of helping us with that anymore.
We had to figure out on our own. And so that was a boundary that
my parents set for myself and my husband.
And looking back, it was very challenging.
And I did an episode on it. I'll put that, I'll link that in
the in the show notes. From looking back, that was a
very hard conversation that we had, but it was such a good one
because it forced me to look at something that I needed to fix.
And sometimes we need someone outside of our situation to do
that. And then sometimes we can just
decide for ourselves. Now is the time.
And so I just want to encourage you, if you have people in your
life that maybe you've got some relationship strained because of
money, maybe this is the time to just kind of open up that door
to have a conversation. Not necessarily make any
commitments or anything like that, but say, kind of address
the elephant in the room. And because when we when we
address that elephant in the room, it gets smaller and
smaller every bite that we take. And our relationships can be
mended and repaired if we're willing to do the work.
And obviously we can't expect someone on the other side.
We can't control what they're going to do.
And just like I've shared on this on the show before, like I
couldn't change my husband's spending habits.
I can only change my own. And so that's what I did until
he got to a place where, OK, he was, he was ready to make the
change. He saw the fruit of what I
wanted to accomplish and where I was going with our, with our
financial plan because he wasn't on board at the very beginning.
And now on the other side of it, that yes, I know it is hard work
and it can be challenging and it's hard, but I just want you
to know that you're not alone. And having these conversations,
whether they're big or small, is going to be a step in the right
direction towards healing that relationship.
But not just the relationship with that person, but your
relationship with your money. Because how we manage our money
is important because it is the tool that we use to accomplish
our hopes and our dreams. It's a tool that we use to
accomplish our, you know, our goals in life, whether it's
buying a home or, you know, creating a certain lifestyle for
our families, providing, you know, basic needs for our
families and maybe creating some great memories for our families.
So we do that. That is the universal.
The universal currency is money to use those to accomplish that.
I just feel like this topic has come up a lot and I just really
wanted to to share the it's finding a safe place to have
that conversation. And that's what we do inside the
alliance. And so I want to share a special
invite if this is a place where you're at right now and you're
like, I've heard you talk about this a lot.
I've heard you share a lot of your story and I know you have
some great resources available. I am opening up the Alliance so
that anyone that's been listening to this show, you can
jump in this next week, November 12th through the 19th depending
on when you're listening to this and you can jump in and
experience the Alliance for completely free.
You can jump in on the on my calls with myself.
I would love to chat more with you about your money, your money
questions. I love being able to record
these episodes, but I crave that opportunity to answer your
questions and and address things that are going on in your
financial life. And so I want to invite you to
that. I will put the link in the show
notes. You can also get to my website,
julesthebudgetnerd.com and check it out there.
But let's let's talk about your money.
Let's figure out what's working, what needs to be tweaked.
And we can and we can move forward.
We can bring those things that are that things that are in the
dark, the things that are in that Monica closet.
Let's bring them out and address them and them in their proper
place and then we can move forward with life and accomplish
more of our hopes and dreams for our families and for ourselves
and have more peace in our day-to-day life.
So I hope that that was encouraging for you today.
And I'm just excited to see you inside the alliance.
If that is something that you want to check out, you can go to
my website, jewelsthebudgetnerd.com,
jewlz@thebudgetnerd.com. Thank you so much for joining me
today. We'll talk with you in the next
episode. Thank you for tuning into the
Debt Rebel Show today. Ready to take your family
budgeting to the next level? Stop that paycheck to paycheck
grind and start living debt free.
Head over to my website debtrebelpodcast.com.
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