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All right, hello and welcome to 
the show. 

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OK, so today we are going to be 
talking about paying off our 

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credit cards faster because 
faster, especially when we're 

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talking about getting rid of 
credit is so much better than 

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slow, right? 
So I'm going to teach you some 

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of the things that I learned 
along the way that are going to 

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help you eliminate that debt, 
but help you stay laser focused,

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be strategic and also be a 
little bit rebellious with your 

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budget. 
So if you listen to this show or

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if you've been around for a 
little while, the Debt Rebel 

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podcast is about eliminating 
debt and learning to live a debt

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free life. 
And so I'm super passionate 

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about teaching families how to 
do that. 

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I'm Jules the budget nerd. 
If we haven't had a chance to 

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meet yet, Julianne Colbrand's my
real name, but a lot of people 

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call me Jules the budget nerd. 
And so one of the things that I 

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love, I love to teach is this 
right here because this is where

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the real progress is made when 
it comes to changing our 

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financial future, where it comes
to changing our family's future 

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is eliminating debt, paying it 
off, getting rid of it, not 

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using credit cards to live. 
So stick around. 

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I hope today's episode is 
something that is exactly what 

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you need. 
All right, hello, Thank you so 

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much for joining me for today's 
episode. 

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I do want to acknowledge the 
fact that I did not get an 

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episode out last week. 
First time in over a year of 

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doing this podcast. 
I did not release an episode and

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I wanted to 1 come clean about 
that, but two, also, I wanted to

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share a little bit behind the 
scenes why I didn't do it 

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because it wasn't intentional. 
It was life just happened. 

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We were getting ready. 
My daughter and I went on a 

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girls trip with her best friend 
and her mom and we're going to 

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be taking my car and my car 
decided that now it needed a new

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alternator. 
So it was just kind of a crazy 

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week getting ready for a trip 
and having some car issues. 

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And I'm going to talk a little 
bit more about that in a future 

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episode about our car because 
that isn't another place that 

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our finances can get off track. 
And so I just didn't get to the 

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episode that I had planned this 
one right here. 

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And so I just want to remind you
that you know what, we can set 

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goals for ourselves and life 
happens sometimes. 

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And I could have beat myself up 
and go, Oh, my gosh, someone's 

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going to notice. 
Or I felt really bad that I 

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missed one episode. 
And so life goes on. 

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That's what I want today's 
episode. 

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I want this to be something 
that's really helpful for you, 

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just like I want every single 
episode to be something that is 

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worth your time, worth your 
attention. 

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Thank you so much for joining 
me. 

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And I want to send a special 
welcome to Morgan. 

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Thank you so much for your 
message on Instagram. 

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And I hope that this episode is 
a huge blessing too. 

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Today we're going to be talking 
about paying off credit cards 

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faster. 
How do we do that without all of

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like the the gimmicks that 
shame, You know, I was just 

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talking about about not 
recording an episode last week. 

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We can feel that same way about 
our budgets. 

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And then just completely just 
throwing our entire lifestyle 

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just in the trash. 
And that's not what this is 

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about. 
This this podcast, this episode 

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is about getting real about 
where we are with our money. 

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Welcome to the Debt Ripple 
podcast where we discuss the 

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insurance and outs of personal 
finance for families so you can 

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eliminate the burden of debt, 
create financial margins, and 

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learn a new way to interact with
your money. 

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I'm your host, Jules the Budget 
Nerd, and I have been in your 

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shoes. 
My husband and I have paid off 

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over $107,000 in consumer debt 
until we finally threw in the 

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towel and decided it wasn't for 
us. 

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Throughout our journey, we 
learned another way to do life 

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without debt, and that's my hope
for you. 

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You can learn more about our 
story and see full show notes on

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my website, 
julesthebudgetnerd.com. 

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That's JEWLZ, the budget 
nerd.com. 

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Now let's dive into today's 
episode. 

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Today we're going to be talking 
about paying off credit cards 

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faster. 
How do we do that without all of

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like the the gimmicks, creating 
a plan that's going to work for 

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you and your family to move past
this? 

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This is just a stage. 
It's just a season in life 

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because so much of our world 
says, hey, we need credit cards 

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to survive on a daily basis. 
If you're in my household, 

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credit cards kind of a bad word 
because it just makes me cringe 

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now because it has brought so 
much devastation and stress and 

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just not pleasant experience to 
our family. 

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As I want to help you move past 
that, get past that so that it 

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is in your rearview mirror and 
you no longer have to use credit

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cards to fund your day-to-day 
life. 

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The first thing that we need to 
do is just get real and know 

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what your numbers are. 
So if you haven't taken a look 

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at your bank statement or excuse
me, your credit card statement 

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or maybe your credit report 
lately, I highly recommend doing

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that. 
So one of the things is just 

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coming face to face with that 
number. 

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It's very important to 
understand where you are because

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just like, you know, getting 
going off on this little mini 

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road trip with my, with my 
daughter and our friends that we

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to get to our destination, we 
needed to have a little bit of a

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plan, right? 
We would decided, you know what 

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we, we changed it up a little 
bit on our return trip, but we 

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needed to know how to get there,
how to get to our Airbnb. 

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So we had to create a plan. 
And that was just looking at a 

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map. 
And that's what your numbers are

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when it comes to looking up all 
of your credit card balances, 

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minimum payments, that kind of 
stuff is that is just your, 

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that's just your map. 
That's what it looks like to 

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say, Hey, this is this is the 
the thing I'm going to tackle. 

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So if you've been avoiding your 
statements, now's the time. 

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This is that first step of 
reclaiming control over your 

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finances. 
And then pick a pay payoff 

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method. 
So I teach the debt snowball 

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because that's what worked for 
us. 

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It is, I feel like for myself 
and the way my brain works, it 

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was so much easier for me to 
just knowing that I wasn't going

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to be going back to using debt 
again. 

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I just wanted to pay it off and 
be done with it. 

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So it created opportunities for 
our family to get some really 

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quick wins to see that momentum.
And then we were, it was easier 

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for us to stay motivated. 
There's some other methods out 

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there if you can look up, you 
can look up the avalanche method

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and that's if you're worried 
about interest and all that kind

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of stuff. 
But I teach the debt snowball 

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because I felt like it is the 
most helpful if you're going to 

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be eliminating debt all together
and not just paying it, paying 

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it down so that you can rack it 
back up again. 

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So the debt snowball method is 
just paying off the smallest 

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balance first while making 
minimum payments on the rest. 

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And then once that one's paid 
off, you just roll that payment 

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into the next card, the next 
card until you're all done. 

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The key there is whatever method
that you pick, stick with it 

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because if you're switching back
and forth one, it's going to 

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just boggle your brain. 
I can't even say that, right? 

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It's just going to boggle your 
brain, but also it's going to 

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inhibit your progress. 
So pick a method, stick with it.

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Within the alliance membership, 
I teach the snowball method and 

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that is, like I said, the most 
effective method for our family 

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to just stay, stay focused and 
eliminate that debt. 

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And then we create a no nonsense
or survival mode budget. 

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So we use 0 based budgeting. 
My favorite app for that is 

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Every Dollar because it's just 
so much easier to just see 

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things going where they need to.
But Every dollar has a job and 

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every single dollar that comes 
into our household goes out and 

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A and it's labeled a certain 
way. 

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So when it comes to creating 
that no nonsense or that 

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survival mode budget, you're 
going to pause or slash any of 

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those non essential things to 
help you get towards your debt 

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free goal faster. 
So some of the things that we 

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eliminated were subscriptions. 
We stopped eating out those 

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kinds of things, just like the 
random like trips to the store. 

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But we also budgeted and fund 
money because you don't want to 

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make it so that life is just so 
restricted that you feel like 

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you can't breathe. 
And so that fun money was that 

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kind of designated money so that
we're not sabotaging ourselves. 

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So if you wanted to use that 
for, you know, that random trip 

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to the store, you could or if 
you wanted to use that money for

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that subscription because that's
what brings you the most joy, do

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it. 
And the next thing is finding 

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any extra money that you can 
without having with it, without 

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just taking on. 
I mean, you can take on another 

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job if that's helpful for you. 
If you're a busy parent, which 

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I'm assuming you are, that might
not be what's possible. 

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So some of the things that we 
did, we sold a lot of things on 

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Facebook Marketplace and on 
different online marketplaces. 

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And so one thing that I hear a 
lot is I don't have anything 

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that people will buy or that I 
don't have anything to sell. 

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If you have something that you 
would normally have donated to 

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Goodwill or local shelter, that 
means that someone will buy 

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that. 
And so because someone is going 

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to buy that, if you donate it at
Goodwill, someone's going to buy

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that. 
So maybe it's and you price it 

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accordingly. 
Those things, there's always 

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something within our home that 
someone else is going to find 

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value in that we no longer find 
value in. 

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And that's absolutely fine. 
Use that money when you sell 

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those things to put towards your
your debt so that you can get 

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there faster and then check on 
your recurring expenses. 

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So if there's any of your bills 
that can be renegotiated, I know

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I called our Internet provider 
and asked for a lower a lower 

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rate. 
And it's possible these little 

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things will add up and help you 
find even if it's just an extra 

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$100 a month, that can make a 
huge dent in your, in your debt.

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As long as we're consistent with
that. 

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The next thing is now this is a 
hard 1. 

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And I absolutely understand. 
And I hear you saying, but OK, 

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so stop the swipe. 
So freeze your card if you have 

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to do it in water like we did, 
which I froze it in a like a 

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soup can. 
And so if I wanted to use it, I 

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had to take it out of the 
freezer, put it in the kitchen 

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sink because you can't microwave
it and let it thaw. 

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So if that's what you need to do
so that you're not using your 

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card to do it, but remove them 
from Apple Pay, from online 

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stores, that kind of stuff and 
switch to cash or a debit card. 

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Because when our brain registers
when it are hurts to spend, that

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is a good thing because that 
makes us stop and second guess 

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our decision that we're about to
make. 

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And so credit cards have made it
super easy and super convenient 

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to just buy whatever we need 
whenever we want it, whenever we

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need it. 
And so it doesn't give us the 

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opportunity to just pause for 
even just a few seconds to say, 

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hold on a SEC, Do we actually 
need this? 

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Can I live without this? 
Is this helping me get closer to

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my goal? 
The next one is pause any new 

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debt. 
This is just like trying to bail

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water out of a boat that still 
has a hole in it. 

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We want to hit pause on any new 
credit card use so that you 

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know, talking about talking 
about stopping the swipe. 

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We also don't want to add any 
new credit cards. 

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So you get those, you get those 
offers in the mail. 

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You can get on the Do Not Call 
registry and you can eliminate 

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some of those. 
But if there's businesses that 

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you do business or if there's 
companies that you do business 

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with such as banks and things 
like that, they can market it to

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you. 
So if you go to their website 

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and look for their opt out area,
you'll be able to sign up to opt

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out of those in the future. 
You're not going to eliminate 

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all of them, but it will help. 
It will help reduce the 

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temptation. 
Another temptation that we want 

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to overcome when it comes to 
getting out of debt faster and 

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not adding any new is those buy 
now pay laters. 

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I know that's super easy when 
you're checking out online to 

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just say, oh, I'll take this in 
4-4 payments, right? 

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But then we forget about those 
four payments and then it just 

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keeps adding up and things are 
going to be so much cheaper when

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you pay for them right away when
you purchase them. 

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And also store cards. 
This one right here is just when

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I was working retail, I do 
remember having to offer, it was

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part of my job. 
I had to offer credit cards to 

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people and you know, they would 
get, you know, an extra 10% off.

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And so when you do the math, 
even if they're spending $100, 

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they're getting $10 off. 
But knowing what happens when 

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someone has a store credit card,
the reason why they offer those 

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to you is because you're more 
likely to come back to that 

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store and purchase there. 
And so that is just going to 

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continue that cycle and continue
that additional spending that 

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you might not necessarily need. 
Now if it's a store that you 

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absolutely love, that's great. 
That 10% isn't going to make or 

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break you. 
But if you don't have a card 

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there, you can still use your 
debit card. 

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There isn't that great and you 
don't have to worry about years 

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and years of debt in the future.
So and that's another another 

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big one. 
And then the next is to get some

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accountability. 
So maybe that's a trusted 

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friend, join a challenge or, you
know, potentially working with 

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me as a coach, as your coach and
get some faster progress. 

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That's one of the things that in
our journey, my husband and I, 

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when we decided, you know what, 
being debt free was very 

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important to us and going 
through that process, this is 1 

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area that we didn't have. 
And that's why I'm so passionate

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about what I do is because it 
helps to have someone else 

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00:13:18,600 --> 00:13:21,600
outside your situation to just 
check in and cheer you on 

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because the rest of the world is
not going to be excited when you

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cut up your credit card. 
They're going to be like, you're

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weird. 
And here I am, I am, I might cry

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because it's such a amazing 
experience. 

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It's very terrifying the first 
time you do it, but it is so 

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freeing to know that you're not 
going to be going back to that 

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situation and no one else is 
going to cheer you on like I am.

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So couple of things that are 
going to help with with this 

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whole process is just 
remembering that this is a, this

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00:13:50,760 --> 00:13:54,160
is a new mindset shift now, like
I said, people are going to 

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00:13:54,160 --> 00:13:56,400
think you're weird. 
I had friends in my life, I had 

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00:13:56,400 --> 00:14:00,320
family in my life that thought 
we were crazy that but we 

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00:14:00,320 --> 00:14:02,600
decided, you know what debt 
wasn't for us anymore. 

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And we were going to do this new
way of living without debt and 

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00:14:06,360 --> 00:14:08,760
we were going to be paying cash 
or using our debit cards for 

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everything, including car 
rentals, which that's a whole 

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nother topic. 
That's a whole nother episode. 

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But it is very possible to live 
life without a credit card and 

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that's exactly what our family 
is doing. 

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But remember, it is a mindset 
shift and it's going to take 

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some, it's going to take some 
dedication on your part, but 

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00:14:26,720 --> 00:14:30,640
also some accountability and 
help to get to that that 

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destination. 
And remember, this is not a bad 

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debt, is not a math problem 
because it is about behavior and

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00:14:38,000 --> 00:14:41,920
a mindset challenge of ourselves
and our way of the previous way 

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00:14:41,920 --> 00:14:44,360
of doing things. 
So if you might have had the 

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00:14:44,360 --> 00:14:48,080
thought before that, hey, I'm 
just bad with money, then that 

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00:14:48,080 --> 00:14:52,120
is a self sabotage. 
So we can start by shifting that

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00:14:52,120 --> 00:14:55,320
mindset and saying I'm learning 
a new way of interacting with my

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money. 
All right, so listen up. 

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Minimum payments are your credit
card company's best friend and 

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00:15:01,960 --> 00:15:04,240
your biggest enemy if you're 
trying to get out of debt 

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00:15:04,880 --> 00:15:07,720
because that's how they make 
their money and that's how we 

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00:15:07,720 --> 00:15:11,360
lose our money and our control. 
Paying only the minimum on a 

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00:15:11,360 --> 00:15:14,160
$5000 balance. 
So maybe you have $5000 on your 

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00:15:14,160 --> 00:15:15,680
credit card and you're only 
paying the minimum. 

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00:15:15,760 --> 00:15:20,640
That's going to take you 17 
years to pay off 17 years. 

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00:15:20,640 --> 00:15:24,440
So 17 years. 
That's like my child going from 

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00:15:24,440 --> 00:15:28,200
kindergarten all the way through
college, and I still haven't 

290
00:15:28,200 --> 00:15:30,240
paid it off. 
I'll have paid it off if I was 

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00:15:30,240 --> 00:15:31,760
paying the minimum that entire 
time. 

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00:15:32,280 --> 00:15:35,120
Not only that, it's going to 
cost you way more than $5000. 

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00:15:35,120 --> 00:15:39,800
So today's episode is about 
getting really crazy intentional

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00:15:40,040 --> 00:15:43,400
and getting focused in on 
eliminating that debt as fast as

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00:15:43,400 --> 00:15:46,400
possible. 
So why do minimum payments keep 

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00:15:46,400 --> 00:15:49,680
us broke? 
So credit cards keep keep us 

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00:15:49,680 --> 00:15:53,040
spending because it makes us 
feel like we, we have room. 

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00:15:53,240 --> 00:15:57,040
We are stuck in this slow, 
expensive loop. 

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00:15:57,040 --> 00:16:00,800
You know, say for instance, you 
have $3000, a $3000 balance on 

300
00:16:00,800 --> 00:16:04,440
your credit card and you're 
paying $75.00 a month a full 

301
00:16:04,440 --> 00:16:08,360
year later, so you've made 12 
payments, but you still owe 

302
00:16:08,600 --> 00:16:13,560
$2800. 
It is like just this slow, slow,

303
00:16:13,560 --> 00:16:17,720
slow just, and it feels like you
might be doing everything right,

304
00:16:17,840 --> 00:16:22,680
but the system is not set up for
us to succeed when it comes to 

305
00:16:22,680 --> 00:16:25,720
making those minimum payments. 
That's so that they don't start 

306
00:16:25,720 --> 00:16:28,160
finding you and doing all these 
other crazy things that 

307
00:16:28,160 --> 00:16:32,080
creditors can do, but it is how 
they make their money. 

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00:16:32,280 --> 00:16:36,560
So that is exactly why minimum 
payments exist is because that 

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00:16:36,560 --> 00:16:39,800
is how the credit card companies
are making their money. 

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00:16:39,800 --> 00:16:42,200
It just covers the interest and 
it's barely touching the 

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00:16:42,200 --> 00:16:46,160
principal that initial balance. 
So three ways that you can pay 

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00:16:46,160 --> 00:16:50,120
off debt faster there. 
You can do the debt snowball or 

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00:16:50,120 --> 00:16:51,760
debt avalanche. 
Go ahead and Google that 

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00:16:51,760 --> 00:16:53,440
avalanche if that's something 
you're interested in. 

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00:16:53,440 --> 00:16:56,240
But I, I'm super passionate 
about teaching the debt snowball

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00:16:56,240 --> 00:17:00,520
because it is the thing that 
it's the method that my family 

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00:17:00,520 --> 00:17:03,840
used, but also it is the way 
that made it. 

318
00:17:03,840 --> 00:17:07,520
So this would stick. 
Just put all of our, all of our,

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00:17:08,720 --> 00:17:11,520
all of our balances from 
smallest to largest. 

320
00:17:11,520 --> 00:17:15,119
And then we attacked that first 
one as much as we could. 

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00:17:15,119 --> 00:17:17,520
We put as much money towards 
that and pay the minimum on the 

322
00:17:17,520 --> 00:17:20,720
rest. 
So even if you're making, you 

323
00:17:20,720 --> 00:17:24,760
know, several small payments 
every single month to that that 

324
00:17:24,760 --> 00:17:28,840
first debt, do it because every 
single every single payment that

325
00:17:28,840 --> 00:17:32,280
you make is giving you an 
opportunity to make faster 

326
00:17:32,280 --> 00:17:34,240
progress, but you're paying less
interest. 

327
00:17:34,280 --> 00:17:38,080
The other thing is cutting out 
spending and redirecting that 

328
00:17:38,080 --> 00:17:42,440
towards towards your debts. 
So some really easy ways, I like

329
00:17:42,440 --> 00:17:45,480
to call them low hanging fruit 
is just selling things that are 

330
00:17:45,480 --> 00:17:47,200
no longer serving you in your 
life. 

331
00:17:47,720 --> 00:17:50,040
Now I hear this a lot because 
people are like, well, I don't 

332
00:17:50,040 --> 00:17:51,400
really have anything that 
someone would buy. 

333
00:17:51,680 --> 00:17:54,720
If it's something that you would
donate and not throw away, 

334
00:17:54,720 --> 00:17:58,280
someone will purchase it. 
So it's a matter of taking some,

335
00:17:58,400 --> 00:18:01,000
a few good photos. 
Cameras are on our phones are 

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00:18:01,000 --> 00:18:03,520
really great right now. 
You can just take a few photos, 

337
00:18:03,760 --> 00:18:07,200
put it on Facebook. 
Even if you only make 5 or $10 

338
00:18:07,200 --> 00:18:10,120
on the item and someone gets a 
really great deal, the world's a

339
00:18:10,120 --> 00:18:14,360
better place because of it. 
But also your debt, you have 5 

340
00:18:14,360 --> 00:18:17,920
or $10 that's going to be put 
towards your debt, which it 

341
00:18:17,920 --> 00:18:19,840
might feel like a really small 
amount. 

342
00:18:19,840 --> 00:18:22,360
But when you're doing that for 
multiple things and you're 

343
00:18:23,120 --> 00:18:25,480
lowering some of your, maybe 
you're pausing some of your 

344
00:18:25,480 --> 00:18:27,960
subscriptions for a little while
and you're getting in tents for 

345
00:18:27,960 --> 00:18:31,600
a short season of time, then 
you're going to be able to pay 

346
00:18:31,600 --> 00:18:37,400
off that debt so much faster. 
So, you know, I've heard stories

347
00:18:37,400 --> 00:18:40,360
of people they have sold a 
second car. 

348
00:18:40,480 --> 00:18:44,080
That's a crazy one. 
If you live in an area like I do

349
00:18:44,080 --> 00:18:47,760
where it's really hard to travel
or to get around without an 

350
00:18:47,760 --> 00:18:50,800
additional car, then that might 
not be the right thing for you. 

351
00:18:50,800 --> 00:18:55,680
But maybe it is a selling a car 
that has that's not serving your

352
00:18:55,680 --> 00:18:57,280
family well. 
And I'm going to talk about that

353
00:18:57,280 --> 00:18:59,080
little bit more in a future 
episode. 

354
00:18:59,880 --> 00:19:02,760
You know, maybe it is getting 
rid of and a car that's 

355
00:19:02,760 --> 00:19:06,200
expensive and that's causing a 
financial strain for your 

356
00:19:06,200 --> 00:19:09,360
family. 
Maybe you pick up a side hustle.

357
00:19:09,360 --> 00:19:12,040
And so that could look like a 
ton of different ways. 

358
00:19:12,440 --> 00:19:15,880
I have a whole series about ways
that you can increase your 

359
00:19:15,880 --> 00:19:21,120
income and help get to get to 
that debt free status faster. 

360
00:19:21,920 --> 00:19:24,680
And if you want some more ideas 
on some side hustles or some 

361
00:19:24,680 --> 00:19:28,160
ways to increase your income, 
check out episodes 54 through 

362
00:19:28,160 --> 00:19:30,160
62. 
Those are some quick rebel 

363
00:19:30,160 --> 00:19:33,800
resets that are going to help 
you create that additional 

364
00:19:33,800 --> 00:19:36,040
income that you need to knock 
out that debt faster. 

365
00:19:36,040 --> 00:19:40,040
So it's not going to be forever.
This is for a little bit of time

366
00:19:40,080 --> 00:19:43,360
so that you can get some 
momentum and you can knock out 

367
00:19:43,360 --> 00:19:45,760
that debt. 
And one of the things that was 

368
00:19:45,760 --> 00:19:49,240
really helpful for us is to just
keep track of what is most 

369
00:19:49,240 --> 00:19:51,600
important. 
And I talk about this in the the

370
00:19:51,800 --> 00:19:55,720
five day challenge, creating 
that value based budget is what 

371
00:19:55,720 --> 00:20:00,040
matters most to you and your 
family because that is going to 

372
00:20:00,040 --> 00:20:04,960
help guide you and remind you 
why you want to be debt free. 

373
00:20:05,280 --> 00:20:08,160
And so when this gets 
challenging is you can circle 

374
00:20:08,160 --> 00:20:11,240
back to that and go, hey, this 
is This is why we're doing this.

375
00:20:11,240 --> 00:20:15,080
We're doing this because. 
It is not worth the stress 

376
00:20:15,080 --> 00:20:17,640
anymore. 
It's not worth the all the 

377
00:20:17,640 --> 00:20:22,680
things that go into maintaining 
debt and keeping it going and 

378
00:20:22,680 --> 00:20:24,680
just feeding a monster that 
doesn't. 

379
00:20:25,040 --> 00:20:29,320
That's not helping you anymore. 
Now, one of the things that's 

380
00:20:29,320 --> 00:20:32,800
really important and this is 
something that I didn't do when 

381
00:20:32,800 --> 00:20:36,600
we were going through our debt 
elimination process was we, my 

382
00:20:36,600 --> 00:20:38,240
husband and I, we did this 
alone. 

383
00:20:38,520 --> 00:20:42,640
We didn't have people that were 
cheering us on and 

384
00:20:42,640 --> 00:20:46,120
accountability for us because we
had a lot of shame about it. 

385
00:20:46,320 --> 00:20:49,960
One thing that I have overcome 
but was previously something 

386
00:20:49,960 --> 00:20:54,080
that caused me a lot of shame 
was we had that $107,000 in 

387
00:20:54,080 --> 00:20:55,680
debt. 
But I have a degree in 

388
00:20:55,680 --> 00:20:57,440
economics, like I should know 
better. 

389
00:20:57,440 --> 00:21:03,000
My parents taught me how to 
spend what I make and not use 

390
00:21:03,000 --> 00:21:06,240
credit the way that we were. 
I had a lot of shame and there 

391
00:21:06,240 --> 00:21:08,720
was a lot of things that were 
going into that. 

392
00:21:08,720 --> 00:21:11,440
I just felt super overwhelmed 
and stressed out. 

393
00:21:11,440 --> 00:21:15,760
And so I want to want you to 
hear me say that when you look 

394
00:21:15,760 --> 00:21:18,960
at all of this information, it 
can feel overwhelming. 

395
00:21:19,160 --> 00:21:23,400
So know that you're not alone. 
But it's not about being 

396
00:21:23,400 --> 00:21:26,720
perfect. 
It's about creating progress for

397
00:21:26,720 --> 00:21:30,040
you and your family. 
But with a plan, and that's why 

398
00:21:30,360 --> 00:21:34,360
with financial coaching like I 
do, it is that accountability 

399
00:21:34,360 --> 00:21:37,480
and that clarity and someone 
outside of your situation to 

400
00:21:37,480 --> 00:21:40,640
say, hold on a second, you might
not be seeing it the way that it

401
00:21:40,640 --> 00:21:44,000
actually is. 
Because when we are in it and we

402
00:21:44,000 --> 00:21:48,920
feel shame and regret and just 
all kinds of the emotions and 

403
00:21:48,920 --> 00:21:53,400
the things that are happening in
that, that we sometimes can miss

404
00:21:53,400 --> 00:21:55,960
the big picture. 
And so that's one thing about 

405
00:21:55,960 --> 00:21:59,240
our journey that I wish that I 
would have done was to reach out

406
00:21:59,240 --> 00:22:03,120
and say, hey, I need some help. 
Because that extra 

407
00:22:03,120 --> 00:22:06,840
accountability would allowed us 
to become debt free faster and 

408
00:22:06,840 --> 00:22:08,920
just be able to put that behind 
us faster. 

409
00:22:09,120 --> 00:22:11,760
That's why I've created the 
alliance coaching membership. 

410
00:22:11,760 --> 00:22:16,640
So if you are tired of just 
continually paying the minimum 

411
00:22:16,640 --> 00:22:19,160
payments and you just aren't 
feeling like you're getting 

412
00:22:19,160 --> 00:22:22,360
ahead or you're not seeing that 
balance go down, come join us 

413
00:22:22,360 --> 00:22:26,120
inside the alliance membership. 
We're going to help you create 

414
00:22:26,120 --> 00:22:29,840
your own debt payoff plan. 
You're going to have access to 

415
00:22:29,840 --> 00:22:33,200
monthly coaching with myself 
accountability and you're going 

416
00:22:33,200 --> 00:22:38,440
to save years and thousands in 
in interest because you have 

417
00:22:38,440 --> 00:22:41,480
this community of people that 
are going to be cheering you on 

418
00:22:41,480 --> 00:22:44,800
that are going to understand the
situation that you're in, But 

419
00:22:44,800 --> 00:22:48,160
you're also going to be getting 
and education and coaching 

420
00:22:48,160 --> 00:22:51,600
that's going to help you in your
situation right now. 

421
00:22:51,680 --> 00:22:56,840
You can go to my website, 
jewelsthebudgetnerd.com/membership.

422
00:22:56,840 --> 00:23:03,280
That's JEWLZ, the budget 
nerd.com/membership and join the

423
00:23:03,280 --> 00:23:06,640
membership there. 
We'll get your credit cards out 

424
00:23:06,640 --> 00:23:10,600
of your life faster with a plan 
and support you every step of 

425
00:23:10,600 --> 00:23:12,840
the way. 
So thank you so much for making 

426
00:23:12,840 --> 00:23:16,840
this show what it is today. 
Want to say thank you so much 

427
00:23:16,840 --> 00:23:19,280
for listening. 
Thank you Morgan for your 

428
00:23:19,280 --> 00:23:22,200
message on Instagram. 
If you guys have any questions, 

429
00:23:22,200 --> 00:23:25,480
I would love to hear from you. 
If there's an episode too, I'm 

430
00:23:25,480 --> 00:23:28,320
really really want to hear about
this specific topic. 

431
00:23:28,600 --> 00:23:31,400
Send me a message on Instagram. 
I love recording listener 

432
00:23:31,400 --> 00:23:34,960
requested episodes. 
But until then, stay rebellious 

433
00:23:34,960 --> 00:23:38,400
and I will talk with you soon. 
Thank you for listening to the 

434
00:23:38,400 --> 00:23:40,920
Debt Rebel Podcast. 
Now, if you want to take your 

435
00:23:40,920 --> 00:23:45,000
next step, check out my website,
julesthebudgetnerd.com. 

436
00:23:45,000 --> 00:23:48,520
That's JEWLZ, the budget 
nerd.com. 

437
00:23:48,880 --> 00:23:51,760
I've created a bunch of 
resources just for you. 

438
00:23:51,840 --> 00:23:55,440
So hop on over, check it out and
we can connect more there. 

439
00:23:55,640 --> 00:23:58,480
If you love today's episode, I 
would be honored if you would 

440
00:23:58,480 --> 00:24:00,840
hit that subscribe button and 
leave me a review. 

441
00:24:00,960 --> 00:24:04,400
And remember, every step towards
financial independence is a 

442
00:24:04,400 --> 00:24:07,920
rebellion against debt. 
So stay strong, keep pushing 

443
00:24:07,920 --> 00:24:10,240
forward, and fight the good 
fight until next time. 

444
00:24:10,240 --> 00:24:11,720
Debt rebels stay resilient.