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Hello, so if you have turned on 
the news lately or got on your 

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social media feed, you probably 
have a pit in your stomach, 

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right? 
That feeling that makes you want

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to check your bank account twice
and pray that your job stays 

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steady. 
So here in the US, we've been 

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hearing talks about the 
government shutdown. 

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And as I'm publishing this 
episode, we are currently in a 

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shutdown status. 
So there's a rising cost. 

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There's all these things, all 
this noise about the economy and

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we can feel. 
Powerless in these. 

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Scenarios right? 
Here's the truth. 

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Peace with your money does not 
depend on the headlines, It 

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depends on you. 
Financial peace and uncertain 

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times. 
So today I want to share a short

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clip from that workshop because 
if you're feeling stressed, this

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can help you take a deep breath 
and take your power back and 

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allow your family to go through 
this season with more peace than

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stress. 
So stick around for today's 

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episode. 
All right, First off, I just 

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want to say welcome, if this is 
your very first time listening 

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to the Debt Rebel podcast, 
today's episode is very timely 

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because as I said, we're going 
through a government shutdown 

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here in the United States. 
And it can be a really 

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challenging time because the 
area that my husband and I live 

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in, we have a huge government 
presence here. 

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And we also have a lot of 
businesses that rely on a 

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government presence and federal 
income. 

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And so right now, there's a lot 
of uncertainty. 

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I know I've had numerous 
conversations with friends at 

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the gym and a church and just 
being out and everyone's talking

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about, but it's the top of 
everyone's mind. 

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I wanted to share with you some 
stuff that has helped our family

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weather these kinds of storms in
the past. 

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Because whether it's a 
government shutdown or a 

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furlough, or maybe your hours 
are getting reduced or you know 

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that your job is going to be 
next on the chopping block, How 

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do you prepare your finances? 
Or what do you do when that time

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comes and you don't know that 
your next paycheck is going to 

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be coming within the next two 
weeks or the next three weeks, 

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or you have no idea when it's 
coming? 

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Hey there, I'm Jules the budget 
nerd and welcome to the Debt 

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Rebel show. 
This is the place where working 

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families like yours learn how to
stop living paycheck to 

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paycheck, crush debt for good, 
and build a life where money 

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actually works for your family. 
In about 15 minutes, I'll share 

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practical family budgeting tips,
tough love strategies, and 

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actionable steps to move toward 
debt free living without the 

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fluff, the shame, or the 
confusion. 

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And I know a thing or two about 
this. 

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My family and I have eliminated 
over $107,000 and consumer debt 

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and that was after I got my 
degree in economics. 

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So stay tuned. 
This is going to be a great 

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episode. 
So grab that coffee, your 

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planner, whatever you need to 
make this a great experience. 

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Maybe a snack if you're like me.
And let's make your money work 

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for your family. 
To do that, I created a workshop

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so that it will give you the 
practical tips. 

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And I'll, I'm going to share a 
little bit of that with you 

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today, but it's to help working 
families especially because I 

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know that showing up as a parent
is really, it's a challenging 

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thing. 
And then when you add financial 

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stress and maybe a potential job
loss to it, it just compounds. 

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And few things that I talk are 
just how to prepare your 

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finances, what to do with that. 
What does a survival, a shut 

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down survival mode budget look 
like? 

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What does it look like to really
slim down your budget so that 

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your family can make it to the 
next payday, whenever that is? 

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I hope that today's info is 
helpful for you and your family.

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And if there's anyone else that 
you know that could benefit from

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hearing this episode because 
they are struggling with with 

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this type of situation. 
It doesn't necessarily have to 

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be the government shutdown. 
It could be just financial 

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uncertainty when that next pay 
period is or when that next 

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paycheck is coming. 
I would love it if you would 

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share this episode with them. 
All right. 

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So first step is to triage your 
spending. 

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All right. 
So what does that look like? 

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So this is not a time in your 
budgeting, in your, you know, 

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your money management. 
It is not time for normal 

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budgeting. 
So this is a time to stabilize 

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and create. 
It's like the emergency room for

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your money. 
So that's why we call it triage.

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You're spending. 
So we are going into financial 

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triage. 
So we want to protect first. 

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So we want to talk about what 
needs to happen 1st and what 

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needs to be protected so that 
your family can stay afloat. 

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O Whether you grab a pen or open
U your notes, AI want to walk 

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through some of these things 
with you and encourage you to 

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take some action on these 
things. 

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O First off is we cannot skip 
meals all right, so that is a 

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huge one food, shelter, 
utilities, transportation to and

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from work. 
So some people right now are not

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knowing that their next paycheck
isn't. 

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We don't know when it's going to
be coming, but you're still 

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required to go to work. 
So making sure that you can get 

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to and from work, whatever that 
looks like if you telecommute 

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or. 
If you. 

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If you drive yourself or if you 
take public transportation, all 

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that stuff, making sure that 
your transportation to and from 

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work and you know, doctor's 
appointments, that kind of stuff

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is taken care of. 
So gas and then everything else 

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we're going to pause. 
So the things that are necessary

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like insurance and our medical 
benefits, that type of stuff are

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our medical expenses. 
We want to make sure that those 

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are taken care of because 
everything else we can recover 

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from, but we cannot recover and 
we cannot pause those quickly 

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so. 
Remember this? 

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Is not, you're not, you're not 
quitting on these things. 

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You're conserving energy and 
you're focusing your dollars or 

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they're going to make the most 
impact until that paycheck, that

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next paycheck kit hits US, hits 
your account. 

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So you're, you're conserving 
energy, you're going to focus 

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your dollars in on where they're
going to have the biggest impact

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until your next paycheck 
arrives. 

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All right, So what does that 
look like? 

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So do you remember Maslow's 
Hierarchy of needs? 

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Back in. 
Like psych one O 1 So you want 

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to make sure that food, water, 
shelter, love and sleep, those 

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are the things that are 
considered. 

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Part of that. 
Base of Maslow, Maslow's 

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hierarchy of needs. 
So the first few things we can 

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cover with your budget and then 
sleep. 

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I understand that is a 
challenging one, especially. 

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When you're in a. 
Financial situation where you 

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don't know if you're going to be
able to make all of your bills. 

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So I have been there. 
I understand it is a place so 

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you can use lose a lot of sleep.
And so I highly encourage you in

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this time is to eliminate as 
much stress as you possibly can 

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so that you can sleep and stop 
the scroll, that kind of stuff. 

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Protect your mental health 
because that will allow you to 

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sleep better and weather the 
storm a little bit better. 

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All right, So the things that 
are considered survival mode 

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expenses, so your mortgage or 
your rent and your utilities. 

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So keep that roof over your 
families head and then groceries

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in the refrigerator or in in 
your cabinets. 

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Make sure your pantry is 
stocked. 

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And I'm going to have a tip for 
you on how to use what you have 

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on hand so you can feed your 
family and not have to spend 

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money. 
So right now we're not doing 

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things like DoorDash or eating 
out unless you're using DoorDash

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to create. 
Some. 

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Additional income that that 
would be my caveat here we have 

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done that it is is helpful for 
the short term. 

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So if that's a place where you 
are and you can and make that 

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work for you and your family, 
then that's a great that's a 

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great opportunity. 
And then that transportation to 

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and from work like I said, so if
you gas, insurance, car 

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payments, keeping those things 
so that when you do go back to 

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work or if you have to go to 
work right now without. 

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Knowing when that paycheck. 
Is coming that you still have a 

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way to get to work. 
All right, that's it. 

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A powerful reminder of how small
study steps can help you create 

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some huge progress when it comes
to your. 

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Finances so. 
We're not talking about 

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overhauling your entire budget. 
We are just slimming it down to 

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the bare basics so that you can 
put a roof over your head, over 

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your family's head, you can keep
food in their belly and you can 

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protect your you protect your 
income when that does come back.

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So peace with our money is not 
about perfection. 

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It's about preparing and 
perspective. 

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So we can be proactive and 
instead of reactionary when it 

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comes to our finances. 
And we can focus on the things 

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that matter most to us and not 
our news feeds and all of the 

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things that can come at us from 
all places. 

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And so if this is also something
that you struggle with when it 

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comes to outside influences 
affecting your finances, I 

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highly encourage you to check 
out episode 53. 

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That's going to talk about the 
effects that maybe our social 

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media or headlines are having on
your finances. 

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And whether you're in this 
scenario right now being 

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affected by the government 
shutdown or not, I highly 

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encourage you to listen to that 
episode because some perspective

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shift is really super valuable 
to your finances. 

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If you want to get that full 
workshop, it's available on my 

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website, Jules 
thebudgetnerd.com/peace. 

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And you can get the entire 
workshop, including the 

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exercises that go along with it.
And you can walk away with a 

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simple plan to get grounded, 
find peace with your money and 

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head into the holidays without 
panic or debt. 

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And you can weather this storm 
much better than you would if 

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you had not taken this amazing 
step. 

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So you can watch it at Jewels, 
the Budget, nerd.com/peace, and 

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it's going to take you less than
30 minutes and is going to 

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change the rest of your 2025. 
So again, if you are joining us 

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for the very first time, thank 
you so much and I hope that this

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information was helpful for you 
today. 

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It was encouraging. 
And remember, this is about 

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progress and not perfection and 
controlling the controllables. 

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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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00:10:16,360 --> 00:10:18,520
free. 
Head over to my website, 

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00:10:18,520 --> 00:10:27,080
debtrebelpodcast.com. 
That's DEBTREBEL podcast.com to 

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grab. 
Resources. 

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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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00:10:36,200 --> 00:10:40,560
episode, it would be such a gift
for both of us, your friend and 

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00:10:40,560 --> 00:10:44,160
me if you share this episode. 
And remember, your debt free 

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life starts with one brave step.
And I'm cheering you on every 

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step of the way. 
We'll talk soon. 

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Debt Rebel.