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Hello and welcome back to the 
Debt Rebel podcast. 

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I am so thrilled you're here. 
And I want to say a special 

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shout out to Carrie and Amanda. 
Thank you so much for joining me

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on the show and also for 
downloading some info from the 

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website so that you can work on 
getting those financial goals in

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order. 
So today we're going to talk 

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about something that I'm really 
excited about for the month of 

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May. 
We're going to be doing a 

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challenge and I'm going to give 
you some quick tips right now to

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help you get started with it. 
But you can get all of the 

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information on 
mywebsite.rebelpodcast.com and 

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it's a special challenge to help
you build your emergency savings

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for this summer. 
So this is a time of year where 

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money can just fly out of our 
hands. 

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And so we're going to set some 
intentions with it and get to 

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work on building that emergency 
fund so we don't have to go to 

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our credit cards this summer. 
One of the questions that I 

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first asked my clients, but also
you're probably asking yourself 

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too, when you look at your bank 
account, is where does all my 

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money go, right? 
That's why having a budget, it 

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will help us figure out where 
that money is going. 

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But maybe you feel like you're 
working and you're trying and 

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things still feel tight. 
I hear this a lot today. 

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We're going to talk about that 
and address the situation that's

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at hand. 
And sometimes the problem isn't 

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that we don't make enough money,
it's that that money is slipping

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through the cracks. 
It's money that we're missing 

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that we already have, but it's 
being spent on things that we 

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don't necessarily intend to 
spend our money on. 

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So some of the things that I 
hear, I hear people say, or 

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maybe you might be thinking this
yourself is, hey, I need to 

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budget better or I need more 
discipline. 

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And if you're like myself with 
ADHD, the word discipline is 

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like, you want to run and hide 
in the nearest closet. 

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Or maybe you think, you know 
what, I just need to make more 

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money. 
And then this problem will be 

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solved. 
And I will tell you what, 

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especially on that last one, 
making more money will not solve

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the problem. 
And I know that absolutely first

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hand it will. 
So changing, addressing the 

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addressing the, the situation at
hand will help with that. 

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Things that I leave my clients 
through is figuring out where 

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those little money leaks are 
going unnoticed because those 

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things are like, it's kind of 
like the tire, you know, like, 

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OK, there's a little tiny hole, 
but you don't know how it's 

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going flat. 
And so you keep driving, but the

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tire sensors going off and 
you're like, where is this, 

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right? 
Where is this tiny hole that is 

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taking the air pressure from my 
tire? 

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And so the same thing can happen
with our finances. 

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And so it can be things that we 
already know of. 

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We already know that there's 
probably a subscription that we 

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could cancel. 
We know that maybe our 

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convenience spending, it might 
be a little bit more. 

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Maybe we're wasting food with, 
you know, buy food, throw it 

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away. 
Or maybe there's sometimes these

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random charges that show up in 
our accounts. 

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And we're like, what in the 
world is that? 

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Where did it come from? 
So individually those things are

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not that big a deal. 
But when you put those all 

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together, that's where that 
emergency fund is hiding. 

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And it is like the air that's 
being let out of your tire. 

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So it might not look like one of
big obvious problem. 

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So that you go, that's what it 
is. 

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It's not like, hey, there's a 
nail in your tire and you can 

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see it, right? 
So today we're going to be 

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talking about those little tiny 
money leaks and what to do about

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them. 
So one of the things, one of the

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shifts that we want to, to think
about is instead of asking 

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ourselves, how do I budget 
perfectly or how do I budget 

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better is asking ourselves that 
question. 

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We look at our spending. 
Where is money already slipping 

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through the cracks? 
Where is money already slipping 

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through my fingers? 
Because when you find that 

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money, instead of restricting it
and putting all of these 

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parameters and, and things on 
it, restrictions, our brain 

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won't fight it anymore. 
That's when we start to see the 

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real progress is when we go, 
gosh, where can we tighten up 

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our our grip so that that money 
goes where we want it to? 

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We can redirect it. 
So I'm going to talk about 3 

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quick ways that you can do that 
today that are going to take you

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10 minutes or less. 
And it's also leads us into the 

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challenge because we are a busy 
parents. 

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We have a lot of things on our 
plate. 

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And also we don't want to spend 
hours at a time working on our 

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budgets. 
Even though I am Jules the 

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budget nerd, I'm not going to 
spend hours working on my own 

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personal budget. 
I want to help you with yours 

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and help you get your finances 
in order. 

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So sometimes 10 minutes is all 
you have, right? 

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So today that's what we're going
to talk about. 

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We're going to talk about these 
little, little steps and then 

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we're going to take this another
step further with that challenge

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and do a 10 day challenge. 
But more on that in a second. 

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OK, so subscription creep. 
Just look at our last few 

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transactions and see is there a 
subscription in there that we're

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no longer using that's no longer
serving us that we can either 

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cancel or we can pause for a 
little while so that we can 

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build up the savings. 
Now, it might not feel like a 

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lot, right? 
This is a really easy one. 

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This is probably the one that 
you hear the most often, but 

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when was the last time you 
actually looked at what your 

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subscriptions are? 
I will sign up for things 

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thinking I'm going to use it and
then I might forget to cancel 

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it, or I'm like, oh, I'll do it 
next time or I'll set a reminder

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and I'll miss the reminder. 
Things like that happened. 

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So it's easy for 10/20/30 Forty 
$50.00 to leave my leave my 

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account if I'm not on top of 
those things. 

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So going back and look at your 
last few transactions and see if

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there's a subscription on there 
that you can pause or cancel for

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a short time and then that money
is going to go into that 

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emergency fund for you. 
I know I had a client do this 

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recently and she found $80.00. 
So if you think about $80 over 

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the course of the year, that's 
almost $1000. 

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That's from one subscription. 
So this is this is where these 

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little tiny leaks can really 
lead to big benefits. 

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So the next one is a use what 
you have meal. 

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OK, I talk a lot on this show 
about not skipping meals. 

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I am a notorious for forgetting 
to eat. 

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So I have a reminder set up on 
my watch to Hey, it's time for 

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lunch. 
My my reminder just went off a 

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little bit ago before I started 
recording, and I'd already eaten

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lunch, so yay for me. 
But what if we don't have to go 

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grocery shopping this week? 
Or we could put our shopping 

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trip off for a couple of days 
and just paused. 

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So plan one meal or plan a 
couple of meals based on what 

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you already have on hand. 
So skipping one trip to the 

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store or a takeout order, that 
can save you a decent amount of 

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money. 
Sometimes it's going to be 20 

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bucks. 
Maybe it's going to be 60 bucks 

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somewhere in there. 
Maybe it could be depending on 

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what you have on hand. 
If you can, if you can stretch 

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it a few days, maybe you're 
going to save 100 bucks. 

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And so some tools that are super
helpful for me that I've used to

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figure out what to eat based on 
what I have. 

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Cha Chi PT is a great one. 
You can say, hey, these are all 

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the ingredients that I have on 
hand. 

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Give me some recipes. 
If you don't like to use AI, I 

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highly recommend supercook.com. 
That's a great place to go to 

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plug in what you have. 
And there's an app as well in 

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your pantry, in your 
refrigerator, and it will give 

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you a list of things that you 
can make right now and still 

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feed your family. 
So that's also a great way to 

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meal plan and meal prep so that 
you can stay on your budget. 

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So I use what you have on hand 
meal. 

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We had a lot of those growing up
and it was really and that was 

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before all of these great tools 
to help us come up with those. 

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My mom got really creative on 
some of those. 

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All right. 
And the next one is look at some

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pending charges that you have on
your account. 

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So maybe you can open up your 
bank account and it shows you 

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what hasn't hit your bank 
account yet. 

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And if it's something that you 
can either cancel or you can 

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return or you can adjust in some
way, do it because those are 

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those little things, like I 
said, they're going to add up. 

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And if it's going to you can, 
you know, return it or cancel it

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before, before it processes, 
then that's going to be money 

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that hasn't left your account. 
And you don't have to worry. 

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These tips and these things 
don't have to be super 

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complicated and we don't have to
spend a lot of time doing them. 

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But The thing is, once you do 
one, it's going to help build, 

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build momentum for the next one.
And also, if you're like myself,

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like I said, struggle with ADHD 
and you are dealing with a trust

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issue with yourself because 
you're like, hey, I've tried 

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this before and it hasn't 
worked. 

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Maybe accountability and some 
help will help you with that. 

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And so I have found that that's 
been very helpful for me is to 

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have some outside accountability
that's going to help cheer me 

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on, but also encourage me and 
know that like, hey, I'm going 

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to be doing this too. 
And so knowing that you're not 

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doing it alone is really 
helpful. 

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And that's why I created the 
challenge the way I do. 

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It's only available for those on
my e-mail list. 

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So make sure you jump on that. 
You can get signed up at 

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debtrebelpodcast.com. 
And we're going to walk you 

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through these things because 
here's what really changes when 

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we start doing these things and 
we start building this momentum 

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is we stop telling ourselves 
that we're bad with money and we

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start becoming someone who 
notices things. 

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So we start catching things 
early and we start making more 

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intentional decisions and that 
identity shift is where things 

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really start to shift, but they 
also stick and we can be more 

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committed to the goals that we 
have set for ourselves when 

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we're building that momentum. 
So inside that 10 day challenge,

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there's just going to be 1 quick
action every day. 

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It's going to take you about 10 
minutes to do and help you find 

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some hidden money so that you 
can start building that 

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emergency fund. 
It's absolutely free. 

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There is an option for the VIP 
pass that's going to give you 

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some additional support access 
to myself and some of the other 

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resources that are part of our 
part of my alliance coaching 

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membership. 
So make sure you check out the 

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show notes for that. 
I will put that in the show 

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notes for you. 
And remember we you do not have 

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to be perfect with money. 
You just need to start noticing 

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where it's going because once we
see where it's going, you'll be 

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able to start telling it where 
to go instead and be more 

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intentional. 
So it's like when your kid says,

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hey, I'm going to go get 
something from the garage, but 

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then they start going to their 
bedroom and you have to like, 

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redirect them, right? 
That's what we're going to do 

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with our money too. 
So I'd love to see you inside 

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this challenge. 
It's going to be an amazing 

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challenge and it's going to help
you set up for a more peaceful, 

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enjoyable summer and start 
building your emergency fund. 

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All right, we'll see you on the 
next episode. 

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Thank you for tuning into the 
Debt Rebel show today. 

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Ready to take your family 
budgeting to the next level? 

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Stop that paycheck to paycheck 
grind and start living debt 

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free. 
Head over to my website, 

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00:10:29,720 --> 00:10:38,200
debtrebelpodcast.com. 
That's DEBTREDEL podcast.com to 

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00:10:38,200 --> 00:10:41,160
grab resources, tools and tips 
to make it happen. 

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00:10:41,760 --> 00:10:44,680
And don't forget, subscribe, 
leave a review. 

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00:10:44,680 --> 00:10:47,840
And if you know another family 
that will love hearing today's 

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

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00:10:52,200 --> 00:10:54,600
me. 
If you share this episode and 

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remember your debt free life 
starts with one brave step and 

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

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We'll talk soon. 
Debt Rebel.