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The budget that maybe you made 
in January, maybe that was one 

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of your New Year's goals. 
And you're like, I'm going to do

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this. 
This is the year I get my 

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financial stuff together. 
And it just didn't happen, 

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right? 
Because life gets in the way. 

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And the one thing I have learned
in this whole process of 

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budgeting of over all a months 
and all the years that I have 

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done this trial and error, is 
the budget you made last month 

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is going to be different than 
the one you made this month. 

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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 in 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. 
All right, hello and welcome 

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today's episode. 
Why budgets don't survive past 

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October or why the budget you 
tried to create in January is a 

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complete bust. 
OK, so let's just let's just get

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right to it. 
Most budgets that you make in 

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January are completely shot by 
October. 

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And let me tell you why, because
real life got in the way. 

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And one thing that I have 
learned in the I don't even know

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how many months I've created 
budgets, I'm including one that 

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I forgot. 
I think that's episode 38 where 

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I actually, since I teach people
how to make budgets and I 

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actually forgot to make a budget
one month using the system that 

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I've created. 
They didn't go back into debt. 

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So check that episode out, 
episode 38. 

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But the budget that maybe you 
made in January, maybe that was 

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one of your New Year's goals. 
And you're like, I'm going to do

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this. 
This is the year I get my 

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financial stuff together. 
And it just didn't happen, 

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right? 
Because life gets in the way. 

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And the one thing I have learned
in this whole process of 

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budgeting of over all the months
and all the years that I have 

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done this trial and error is the
budget you made last month is 

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going to be different than the 
one you made this month and vice

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versa. 
Like every single month is going

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to be different. 
Your budget last year at this 

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time is going to be different 
because different things matter 

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to your family as the months and
the years go by. 

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So our priorities change. 
Things shift for us. 

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Sometimes we have things like 
those surprise car repairs we 

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have, we have birthday 
celebrations that we want to do 

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for our kids. 
We have school fees. 

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We have, you know, holiday 
travels coming up, like all of 

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these things come in and that's 
all real life stuff. 

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So one of the things that I love
teaching is what is most 

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important to you this month. 
And that's why I teach a value 

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based 0 based budget because you
make a plan for your money now 

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for the month that you're we're 
going into and you're going to 

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be more likely to succeed at 
your budget. 

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But there are some things that 
we do in that process. 

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I'm going to go over those 
today. 

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But I want you to hear me say 
you are not bad with money, OK? 

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So we kind of can get in these 
thought processes where we're 

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like, man, I'm just not going to
make a budget because I'm just 

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really bad with money. 
So I want to call BS on that. 

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And that's not true. 
That is a lie. 

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So let's reframe that today. 
And because your budget that you

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might have made that you are 
having a hard time following or 

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maybe you've tried it before and
you're like, I'm not doing it. 

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It wasn't made to survive real 
life and raising kids and just 

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the day-to-day stuff that can 
come up with our money. 

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And so I want to talk about some
main points today of why those 

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things don't happen for us, why 
we can't, we feel like we can't 

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stick to a budget and why like 
here we are in October and maybe

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it's, you know, you, you've 
created 1:00 earlier this year 

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and you're like, OK, this is it.
And it just life happens. 

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So one thing is we 
overcomplicate it. 

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This is an area that we, it's 
really our budget is spending 

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the money that we make, nothing 
more and nothing less. 

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So we can get into these cycles 
where we overcomplicate things 

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and it has to look a certain 
way. 

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We focus on percentages, know we
want to make sure that our 

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housing is this percentage. 
I those are great guidelines to 

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help you see where you compare, 
but I also think comparison is a

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awful place to get to when it 
comes to your budget. 

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But the other thing is when it 
comes to those percentages or 

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maybe it, you know, it needs, 
you want to have all these like 

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huge breakdowns of things is if 
we're overcomplicating it for 

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ourselves, then we're not not 
going to we're not going to 

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follow it. 
I do for my personal budget, I 

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do create extra categories and 
that's because if I don't put 

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those in there, I'll forget 
them. 

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And so that just keeps it friend
of mine. 

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But I just skim through those 
when it's not something for that

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month. 
So when we over complicate it, 

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that's when we can overwhelm 
ourselves. 

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We want a budget that will fit 
your lifestyle and not look 

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like, you know, a finance 
textbook. 

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That's like, OK, you need 35% of
your income is going to go to 

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housing. 
Well, you know what, if you're 

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in a season of life where you're
some of those expenses are going

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to be higher, but that is a 
something that you've decided as

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a family, then that's what you 
do. 

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Maybe you know, you're focused 
on food right now because your 

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family is is growing. 
Your family is focused on health

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and we need to spend, we need to
spend money on groceries and 

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feeding our family. 
All right, the next one is we 

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can get into a routine where 
we're not updating our budgets 

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regularly. 
So when you make that budget in 

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January, your life looks very 
different in October than it did

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in January, am I right? 
So think about what the new year

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hit and you're like, okay, these
are the things that are 

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important to us now. 
And you know what, things are 

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very different now because maybe
you know, your kids false sports

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season started or a medical bill
comes up. 

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Or can we talk about gas prices,
something that's out of our 

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control, but it affects us, 
right? 

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So and we don't make adjustments
for that. 

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So for instance, with the gas 
prices, we're going to have to 

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increase our gas budget. 
If you're driving the same 

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amount as you were in January 
and you're driving that same 

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amount in October, but gas 
prices went up, then you're 

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going to have to allocate some 
more of your paycheck to gas for

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getting to and from work in that
October budget. 

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So that kind of that goes to why
I thought when we don't update, 

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when we don't update our budget 
regularly, one of the reasons 

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why it fails is we're just using
outdated numbers. 

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So maybe you set a timer for 
yourself and you're just like, 

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hey, you know what, 10 minutes, 
I'm going to it's a reoccurring 

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appointment. 
If you're part of the alliance 

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coaching program, we do this as 
a community and you just spend a

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few minutes looking over your 
budget and to say, hey, does 

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this look realistic for what 
life is right now? 

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So remember that your budget is 
not a museum artifact. 

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It is something that's changing 
and evolving and growing at all 

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times. 
So just because you started it 

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out one way the beginning of the
year doesn't mean that it needs 

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to stay that way. 
And it needs to be super rigid. 

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You need to be able to go with 
the flow. 

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The next is no fun. 
Money is built in. 

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OK, so this is a really big one 
for my self and our family. 

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And this right here has cut down
on our money fights or our money

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discussions. 
Like it was almost overnight 

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that this that implementing this
eliminated a lot of those are we

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still talk about money, but it 
is not as heated and as 

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emotional as it used to be. 
And So what is fun money? 

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OK, so I have clients that call 
it all kinds of things like ball

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out money. 
You know, it's, you know, it's 

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it's Karen's coffee fund, 
whatever you want to call it. 

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It is money that is yours to 
decide what you do with if you 

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are managing your finances with 
a spouse and then you agree on 

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all of those spending categories
together, except for you each 

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have your broke out fund money. 
So that could be a line item in 

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your budget that you each get 
and the other person can't say 

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anything about it. 
So for instance, so my husband 

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and I, we each have our fun 
money. 

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He can spend his however he 
wants to. 

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And I cannot say a thing about 
it if I think he's being 

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wasteful or like, why did you 
buy that it? 

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I can think God in my head all I
want. 

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I cannot say it out loud, right?
So that cuts down on a huge 

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amount of our money, our money. 
But what is it? 

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Misalignments or disagreements? 
Because we aren't having those 

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conversations anymore if that's 
the thing that we can control. 

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And we have, you know, looked at
our overall income and said this

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is the amount that is going to 
be OK for us to spend without. 

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We don't have to check in with 
each other about it. 

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It's already a mutually agreed 
upon when we set our budget for 

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the month. 
And it also doesn't put us in 

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like a financial prison. 
So it's not like we can't go out

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and do fun things and enjoy our 
life and have a coffee. 

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The thing is, it's not about 
restriction. 

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And that's where this fund money
comes in. 

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Now you don't want it to be, you
know, 75% of your budget if 

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you're in debt and you're, you 
know, trying to make some 

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progress on your financial goals
and that fund money amount might

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be a little bit lower. 
That's something that you agree 

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on with. 
If you're managing your money 

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with someone else, you agree on 
that with them. 

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Or if you are managing your 
money solo, then you find out 

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what is that amount that's going
to be comfortable so that I'm 

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not feeling super restricted and
I can't go to target. 

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I can't do some of the things 
that I want to and have those 

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impulse buys. 
Because when we put ourselves in

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such a cage, then we are going 
to rebel. 

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And that's, that's where we to 
get really off the rails. 

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It's not about putting your, 
it's not about punishment, but 

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it's about setting yourself up 
for success. 

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And so this is how you do it. 
So whether that's your, you 

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know, your family has a pizza 
night or whatever, whatever that

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looks like for your family is 
have that guilt free spending in

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there. 
And it, you can call it whatever

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you want. 
You can call it your guilt free 

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spending. 
And each person has that amount 

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set out because it's you're 
going to have better long term 

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success when you do that versus 
just keeping the rain so tight. 

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Earn your money that you don't 
have any fun and you don't enjoy

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it. 
Awesome. 

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All right, so the next one is 
accountability. 

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Now, if you've been listening to
the show for very long, I talk 

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about this pretty regularly 
because this is one of the areas

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that I want didn't really 
realize that what we needed, but

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also existed. 
And so that's one of the things 

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that I'm super passionate about 
as a financial coach is the 

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accountability. 
And it's not like, Oh my gosh, 

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how did you spend your money 
this month? 

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It is talking about what is most
important to you and your family

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and reminding you and checking 
in with you on those things. 

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And so when we don't have that 
accountability, we kind of 

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operate in a vacuum and we can 
get off track and we can lose 

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sight of our goals. 
And so that's why when you go to

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the gym, having a workout buddy,
same, you know, you're more 

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likely to show up and do and do 
the fitness if you have someone 

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that you're going to be 
accountable with. 

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And the same thing goes for your
money. 

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That's why I've created the 
coaching membership the way that

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I have. 
It's community of other people 

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that are on the same path, might
be in a little bit different 

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part of the journey than you, 
but we're all headed towards the

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same direction and so 
accountability is huge. 

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I didn't know that financial 
coaches existed when we were 

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going through our debt 
elimination process. 

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That's what I am, that's what I 
do, that's what I how I help 

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families eliminate debt and get 
their finances organized so that

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their budget or their spending 
plan matches what matters most 

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to you. 
And when you have that 

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accountability, you're going to 
be able to be more successful. 

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And that's one of the biggest 
takeaways that people have 

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inside my program is that you 
know what? 

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I feel empowered to make the 
choices and do the things. 

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And I know when I'm, I'm 
confident in the decisions I'm 

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making because I've learned the 
process and I can, I can move 

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forward with confidence. 
Some quick ways that you can 

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build in some accountability if 
you're not part of the alliance 

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coaching program is have those 
check insurance with your spouse

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or find an accountability 
partner to check in and say, 

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Hey, you know what? 
You know, I really, I really 

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want to make an extra payment on
my car this month. 

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And I'm trying to figure out, 
OK, where are some things that 

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maybe I could kind of, you know,
shift around so that I have that

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extra, maybe it's an extra $100 
that you want to find or maybe 

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you want to, you know, create a 
little side hustle. 

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And it's someone to kind of 
bounce ideas off and to talk 

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through it with. 
You can also send me a voice 

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note. 
I have a new feature. 

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You can send me a voice note and
you might have it played here on

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the podcast. 
But I would love to hear your 

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questions, your thoughts, be 
able to provide you some 

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encouragement in this process. 
So you can send me a voice note.

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It's at speakpipe.com/that Rebel
podcast. 

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It'll also be in the show notes,
but I want to hear what part of 

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your budget keeps tripping you 
up, What area do you need some 

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extra accountability? 
And I'd love to help provide 

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that for you because like I 
said, this is 1 area for myself 

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that just didn't. 
We were just my husband and I. 

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We were just trying to hold each
other accountable. 

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And that is really good when 
you're on the same page and 

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you're going the same direction.
But for a while we weren't. 

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And so it created, it was, it 
was very challenging. 

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But now that we're on that same,
that same page and we're on that

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same path together, we just do 
our, our little check insurance 

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to make sure that hey, we're 
still on the right path and that

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our goals are the same. 
Or if we need to shift those at 

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any point, then we have we have 
those check insurance. 

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So if you don't have that person
for you, I would love to be that

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person. 
So send me a voice note and let 

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me know how I can best support 
you. 

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All right, so to wrap up today, 
I, I want to say your budget is 

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not the thing that's failing 
you, it's your system. 

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So a budget is adapting and 
growing and it's like this 

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living thing and it just keeps 
changing and growing and 

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evolving. 
It's kind of like our kids, 

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right? 
Like they start out as these 

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babies and then we're like, OK, 
I've got this stage of parenting

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figured out and then that 
changes again, right? 

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So we're constantly evolving and
changing and it's the same thing

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with our money because as our 
kids change and grow, their 

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needs change and grow. 
And so that same something was 

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going to happen and be mirrored 
in our budget. 

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So remember, you're not failing 
with money. 

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You just have a system that is 
not set up for success. 

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And that's one of the reasons 
why the show is called the Debt 

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Rebel Podcast, because that's 
something that I strongly 

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believe I have seen for myself. 
I can do all of the I can learn 

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all of the things about money. 
I got a degree in economics and 

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then my husband and I still 
ended up in $107,000 in debt. 

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It is our system because you are
taught that we need to use 

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credit cards to survive on a 
day-to-day basis. 

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And I have found for myself in 
our family that that is not a 

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win for us because it's just a 
false safety net. 

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It's like a safety net with a 
gigantic hole in it. 

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And so we have changed. 
We have changed our mindset in 

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that that's where this podcast 
was grown from and a lot of the 

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stuff that I teach because we 
have learned that there's 

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another way to do life and that 
is without credit cards and 

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without using debt to get ahead.
So if this episode made you 

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realize that maybe your budget 
needs a little reset, I don't 

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want you to panic because I have
a tool for you that's going to 

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be so helpful. 
And it's called the Debt Rebel 

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Starter Kit and you can get that
on my website. 

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And it is a simple 0 based value
based budget. 

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It's going to give you the step 
by step framework so that you 

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can stop living paycheck to 
paycheck. 

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It's not like a complicated 
spreadsheet or anything like 

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00:16:06,720 --> 00:16:08,240
that. 
It's going to just give you a 

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plan that like grows and evolves
with your life instead of 

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feeling like you're just like 
dragging along this spreadsheet 

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or this budget that's not 
working for you. 

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It's going to empower your 
family to make sound financial 

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00:16:22,360 --> 00:16:25,000
decisions that match what 
matters most to you and your 

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family. 
So you can grab that on my 

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website, debtrebelpodcast.com 
and you can start building that 

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00:16:31,400 --> 00:16:35,800
budget so that you don't have to
worry about the budget that you 

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set in January about making sure
that it it is the same in 

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October. 
It's not going to be, but it's 

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going to change and evolve and 
grow with you. 

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And that's what the Debt Rebel 
Starter Kit is. 

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So it sets you up so that you 
can evolve and grow with your 

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budget. 
Hope that this episode was 

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00:16:53,120 --> 00:16:55,880
helpful for you and I would love
to hear from you. 

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Make sure you send me a voice 
note. 

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The link is in the show notes 
here. 

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I would just love to hear what 
your take away is and if you 

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have a part of your budget 
that's just really tripping you 

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00:17:04,720 --> 00:17:08,800
up, send me a note and you could
be on the next episode of the 

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00:17:08,800 --> 00:17:11,200
Debt Rebel podcast. 
Thank you for tuning into the 

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00:17:11,200 --> 00:17:14,119
Debt Rebel show today. 
Ready to take your family 

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00:17:14,119 --> 00:17:17,839
budgeting to the next level, 
stop that paycheck to paycheck 

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00:17:17,839 --> 00:17:20,079
grind and start living debt 
free? 

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00:17:20,240 --> 00:17:24,160
Head over to my website 
debtrebelpodcast.com. 

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00:17:24,160 --> 00:17:32,440
That's DEBTREBEL podcast.com. 
Grab resources, tools and tips 

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00:17:32,440 --> 00:17:35,360
to make it happen. 
And don't forget, subscribe, 

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00:17:35,440 --> 00:17:38,160
leave a review. 
And if you know another family 

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00:17:38,160 --> 00:17:41,600
that will love hearing today's 
episode, it would be such a gift

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00:17:41,600 --> 00:17:44,320
for both of us, your friend and 
me. 

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00:17:44,480 --> 00:17:47,760
If you share this episode and 
remember your debt free life 

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00:17:47,760 --> 00:17:51,160
starts with one brave step and 
I'm cheering you on every step 

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00:17:51,160 --> 00:17:52,480
of the way. 
We'll talk soon. 

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Debt Rebel.