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I used to love going Black 
Friday shopping so my husband 

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and I, we would do Thanksgiving 
and then we depending on where 

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we were, if we were traveling we
would go. 

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I would go Black Friday shopping
with my sister-in-law or if we 

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were home, then my husband and I
would, we would get up and we 

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would go shopping at sometimes 
we were at stores at midnight 

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and depending on if they were, 
you know, when they open, 

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sometimes it was 4:00 AM and you
would just be buying socks. 

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And I was like, Oh my gosh, what
am I doing just to get this 

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really crazy deal. 
And so I absolutely. 

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So don't get me wrong, I 
absolutely love getting a deal. 

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If I can get something for next 
to nothing and it's a value to 

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me, I am all for it because that
means there's extra money I have

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now to buy something else that I
need or I love getting a deal. 

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But remember, everything's 100% 
off if you don't buy it. 

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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 the 

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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, right? 
So Black Friday is right around 

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the corner and I just want to 
talk about. 

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I just want to talk about it. 
I remember back in the day when 

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I was working retail, Black 
Friday felt like the Olympics 

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and the, it was such a, Oh my 
gosh, it was such an emotional 

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drain. 
It was physically, mentally 

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exhausting. 
And I was on the retailer side. 

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We would get the store ready and
be able to help people on Black 

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Friday and it was like carnage 
everywhere. 

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Like I remember having a fever 
and I had to go to the emergency

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room 1 Black Friday because I 
had this this crazy fever and it

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was super sick. 
But there was no one else to 

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fill in for me. 
And so I had to show up for work

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and went to the emergency room 
on my break. 

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But it was just so mentally and 
physically exhausting working 

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retail during Black Friday. 
But today I want to talk about 

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the flip side of that. 
So when we Black Friday, the day

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after Thanksgiving in the United
States, and it's where retailers

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usually have their best deals of
the season to get ready for the 

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holidays for in December. 
And people just go crazy buying 

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gifts and all kinds of things 
for themselves, for their loved 

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ones, and sometimes just 
because. 

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And so if you struggle with 
impulse buying, this episode is 

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for you because this was me. 
I used to love going Black 

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Friday shopping. 
So my husband and I, we would do

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Thanksgiving and then we, 
depending on where we were, if 

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we were traveling, we would go, 
I would go Black Friday shopping

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with my sister-in-law. 
Or if we were home, then my 

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husband and I would, we would 
get up and we would go shopping 

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at sometimes we were at stores 
at midnight and depending on if 

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they were, you know, when they 
open, sometimes it was 4:00 AM 

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and you would just be buying 
socks. 

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And I was like, Oh my gosh, what
am I doing just to get this 

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really crazy deal? 
And so I absolutely, so don't 

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get me wrong, I absolutely love 
getting a deal. 

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If I can get something for next 
to nothing and it's a value to 

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me, I am all for it because that
means there's extra money I have

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now to buy something else that I
need or want. 

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And so I love getting a deal, 
but remember, everything's 100% 

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off if you don't buy it. 
And so one thing that I dislike 

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about Black Friday is it creates
a sense of urgency that 

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sometimes is totally 
unnecessary. 

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And if you, if you struggle with
impulse buying like myself, like

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this could be like, Oh my gosh, 
this is just like walking into 

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the fire, right? 
Because you see things when 

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you're tempted, you're seeing 
things that you normally might 

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not see. 
And you're like, that's a really

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great deal. 
Even though I don't need, you 

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know, 85, you know, baby 
blankets, like that's a really 

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great deal. 
So we can get out of control 

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with our spending. 
And so when we go and we don't 

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have a list or we don't have 
parameters set for ourselves, 

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whether that's setting out a 
budget or a list of people that 

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were shopping for or specific 
bargains that we're trying to 

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get. 
And that's one of the reasons 

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why our family has opted out of 
Black Friday shopping. 

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As I'm recording this, it's 
before Black Friday and we're 

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going to be going to do some 
shopping before that because the

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stores are going to be less busy
and less hectic. 

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And we can just enjoy our 
experience a little bit better 

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because one of the things we do 
is we take our youngest to go 

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pick out some stuff and one of 
her favorite stores and she gets

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to, that's part of her gift is 
she gets to pick those things 

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out. 
It's clothes that she and we 

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would normally be buying her. 
But there is she gets to have 

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some say in it and it's six 
years old. 

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That's kind of a big deal. 
And she really enjoys it. 

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And she has a very strong 
opinion about what what she 

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likes to wear. 
That's something that we have 

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decided we started doing as a 
family this last couple of 

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years. 
And she loves it and we love it.

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And we know that the things 
we're going to be getting her 

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are things that she loves and 
enjoys. 

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But could we wait until the 
following weekend or maybe 2 

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weeks later when things are on a
crazy, like on crazy sales and 

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we're struggling to find the 
sizes that we want or we're 

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losing each other in the store? 
For us, we have found because we

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have set a budget for ourselves 
and we know yes, it's so great 

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saving money, but it's a better 
experience for us if we're able 

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to do it ahead of time. 
That's what I want to talk about

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is just being intentional with 
our spending and not feeding 

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into the frenzy that sometimes 
can come with holiday shopping 

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and Black Friday especially. 
So if you know, if you if you 

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buy something that's not like a 
gift that you would were going 

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to get someone already, and then
that's kind of money wasted, 

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right? 
If we don't, if we're not 

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intentional with how we go into 
that process, and then that kind

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of feeds that shame cycle again.
And we start to feel like, OK, 

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wait a second, I spent money I 
shouldn't have. 

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I bought something I shouldn't 
have. 

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And then there's just like that 
emotional drain and we tend to 

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overbuy, right? 
And so all of those things come 

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into play and they, and So what 
I want to, I want you to hear me

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say today is sometimes it's not 
about saving money. 

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It's about saving your sanity in
the process. 

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And that is going to protect 
your mental energies, but also 

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it does protect your budget 
because you're not putting 

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yourself in these situations 
where we can, we're kind of 

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setting ourselves up for 
failure. 

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And that's kind of how I've 
always framed it in my mind is 

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there's there's one store that 
always that I have gotten better

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at going into. 
I'm not going to name the name 

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because it's one of my husband's
favorite stores, but I've gotten

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better. 
I have to prepare myself when I 

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go in there because the idea 
that something that I really 

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want is not going to be there 
the next time I show up. 

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It used to give me a lot of 
anxiety because it made me and 

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then then it made me want to 
buy, buy this thing that I maybe

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wasn't prepared to buy, or maybe
I was. 

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But I felt like this external 
pressure to like, want to buy 

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this thing. 
And so I just don't like that 

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feeling. 
And so I'm sure if you're 

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listening to the show to you 
might be thinking, yeah, 

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actually, I don't. 
I don't like that feeling. 

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And so today I want to remind 
you, you absolutely have 

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permission to opt out of Black 
Friday shopping and the chaos. 

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If it's something that's fun for
you and you enjoy it and it's an

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experience in a tradition with 
your family or with, you know, 

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with your friends, or it's 
something that you do by 

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yourself and it's part of your, 
it's part of your, your 

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celebration of the holidays, 
then do it, but do it with 

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intention and do it with 
purpose. 

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And so if you if it is something
that you enjoy, then it's a very

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different process when you go 
into it. 

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Then if it's all about like 
having to buy this thing that 

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you absolutely need or this 
thing that this toy that you 

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absolutely, you know your child 
wants and having this, what's 

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that? 
He remember the movie Jingle all

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the way with Arnold 
Schwarzenegger. 

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And he's like running all over 
the city trying to find, trying 

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to find this toy for his son. 
And then he gets, he gets it in 

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these fights and stuff like 
that. 

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Like that's not what this is all
about. 

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And So what I just want to 
encourage you with today is it's

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OK to not participate in the 
things that the rest of the 

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world is or it's OK to do things
a little bit differently. 

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And so for our family, this year
we're not going to participate 

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in Black Friday. 
So I think this year we're 

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probably going to hang out at 
home and enjoy some family time 

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and just just relax. 
What can you do instead of Black

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Friday shopping and still 
accomplish the goal of buying 

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gifts for your loved ones? 
So First off, just creating a 

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spending plan. 
So looking at your finances, 

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looking at your budget and 
saying I have this much money 

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available. 
Maybe you've been saving 

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throughout the year, or maybe 
you've just been saving. 

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This last few weeks is to figure
out how much money you have to 

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buy gifts and then write a list 
for who you're going to buy 

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gifts for. 
And then maybe it is 

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prioritizing memories over 
merchandise over things. 

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And that's something that our 
family has done more and more. 

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And so I've shared in earlier 
episodes, but my mom now instead

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of buying us gifts that we're 
going to be unwrapping under the

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tree, she still get stuff a 
little, you know, a few little 

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things for the grandkids. 
But we as a family, we all go to

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The Nutcracker and we get to 
have that experience together as

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a family and it's such a blast. 
And we, it's now become a 

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tradition and we, we enjoy it. 
It's something that we 

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absolutely love to do as a 
family. 

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And so I just encourage you, 
maybe this year, it's not about 

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buying specific things or maybe 
it is about and thinking through

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like what you want your holiday 
season to look like this year. 

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Do you want it to be calm and 
peaceful and without the chaos? 

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You can absolutely opt into that
if that's what you want. 

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And so I highly encourage it 
because it has, it has allowed 

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our family to experience the 
holidays and, and bring joy to 

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our life in a very different 
way. 

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When we don't, we don't opt in 
for some of the, the external 

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00:11:06,800 --> 00:11:09,720
chaos. 
I just want to encourage you 

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today, if that's, if that's 
something that you're like, I 

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just feel like I need to do 
this. 

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It is absolutely OK to opt out 
of that. 

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And you're still, you're still 
going to find deals. 

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You're going to find deals 
before, before Black Friday, 

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You're going to find deals 
afterwards. 

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Protecting your time, your money
and your peace goes way further 

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than it does to buy a specific 
gift. 

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And sometimes like our kids, Oh 
my gosh, let's be honest, can 

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you we remember as like as an 
adult now, can you remember all 

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of the Christmas gifts you ever 
got? 

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Probably not, right? 
And so sometimes it is just that

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feeling that we get and the 
experience that we have together

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00:11:49,960 --> 00:11:52,920
and creating those memories, 
those things can be far more 

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valuable than finding, Gosh, I 
wish I could remember what the 

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name of that toy was from Jingle
all the way. 

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But anyway, that's like, that's 
the thing that sticks in my mind

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is that I mean, growing up for 
us, it was tickle me, Elmo. 

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And now I'm just like, Oh my 
gosh, that I would much rather 

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have my had my parents spend the
money on creating an experience 

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00:12:14,600 --> 00:12:17,360
for us and creating some 
memories for us than a tickle me

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Elmo. 
I actually don't even remember 

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if my sister or I ever got the 
tickle me Elmo, but I remember 

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it being a big deal. 
See, this stuff doesn't matter, 

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right? 
Like how many years later this 

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stuff doesn't matter? 
And focus on what is most 

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important for you and your 
family. 

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This year as you decide to do 
things a little bit differently 

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because you are, or maybe 
because you may be skipping the 

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Black Friday and madness, I want
to share a special invite with 

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you. 
And this is exclusive to my 

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00:12:49,960 --> 00:12:53,320
e-mail subscribers. 
So if you are not subscribed to 

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00:12:53,320 --> 00:12:57,040
my emails, jump on my website, 
debtrebelpodcast.com. 

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If you grab your Debt Rebel 
Starter kit there, you'll 

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automatically be added to that 
list. 

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But I'm doing a 12 Days of 
Christmas promo. 

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There's going to be some really 
great stuff. 

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There's going to be some special
freebies, discounts, goodies, 

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tips, tools, but it is only 
available for my e-mail 

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00:13:12,880 --> 00:13:15,760
subscribers. 
So make sure you jump over there

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00:13:15,760 --> 00:13:20,600
to debtrebelpodcast.com and get 
on that list because that's 

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00:13:20,600 --> 00:13:24,880
coming soon. 
You get to decide how you are 

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spending this Christmas, how 
you're spending your holiday 

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season. 
And if this year the goal is to 

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just have a more peaceful 
season, then maybe that means 

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not going just crazy with the 
Black Friday shopping or feeding

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into the frenzy that the rest of
the world. 

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It is absolutely OK to opt out 
of that. 

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And so I just want to encourage 
you if there, if you are working

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on your holiday budget, to just 
write it down, decide how much 

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you have to spend. 
And ideally, you're not going to

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be going to your credit card 
because when you are not when 

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you're using your debit card or 
cash to purchase things for 

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Christmas this year, it means 
that January is going to be even

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more peaceful for you this year 
than it was last year. 

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Can you imagine having peace in 
December and in January and not 

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00:14:17,640 --> 00:14:20,640
having to open that credit card 
bill and go, Oh my gosh, I got 

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out of control. 
Now, the other thing is if you 

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do decide to go shopping and buy
some things is save your 

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00:14:27,880 --> 00:14:31,640
receipts because I have 
definitely been known to do 

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00:14:31,640 --> 00:14:34,000
this. 
If you buy something and then 

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you have that regret later on 
that you're like, hey, this was 

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out of my budget or this really 
felt like an impulse buy, it is 

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absolutely OK and acceptable to 
return it. 

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Just return it. 
There's no shame in it. 

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Retailers expect it. 
It is part of the game for them.

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They know it. 
And so there is you don't have 

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to have any sort of feeling of 
shame or regret for a purchase 

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00:14:59,440 --> 00:15:01,960
that you've made in the past and
you decide, you know what, I'm 

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00:15:01,960 --> 00:15:05,560
going to return it. 
Just be mindful of the return 

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00:15:05,560 --> 00:15:09,760
dates, you know, the the return 
policies and follow those and 

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enjoy, just enjoy the Christmas 
season, enjoy your friends, 

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00:15:14,720 --> 00:15:17,920
enjoy your family. 
And I hope that this Christmas 

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brings you a little bit more 
peace when you are intentional 

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00:15:21,360 --> 00:15:23,840
with your money. 
So thanks so much for listening.

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We'll see you in the next 
episode. 

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00:15:25,320 --> 00:15:28,040
Thank you for tuning into the 
Debt Rebel show today. 

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00:15:28,280 --> 00:15:31,280
Ready to take your family 
budgeting to the next level. 

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00:15:31,320 --> 00:15:34,840
Stop that paycheck to paycheck 
check grind and start living 

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00:15:34,840 --> 00:15:37,320
debt free. 
Head over to my website 

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00:15:37,320 --> 00:15:45,880
debtrebelpodcast.com. 
That's DEBTREBEL podcast.com to 

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00:15:45,880 --> 00:15:48,880
grab resources, tools and tips 
to make it happen. 

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00:15:49,080 --> 00:15:51,880
And don't forget, subscribe, 
leave a review. 

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00:15:51,880 --> 00:15:55,040
And if you know another family 
that will love hearing today's 

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00:15:55,040 --> 00:15:59,400
episode, it would be such a gift
for both of us, your friend and 

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00:15:59,400 --> 00:16:03,240
me, if you share this episode 
and remember your debt free life

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00:16:03,240 --> 00:16:06,640
starts with one brave step and 
I'm cheering you on every step 

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00:16:06,640 --> 00:16:07,960
of the way. 
We'll talk soon. 

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00:16:07,960 --> 00:16:08,440
Debt Rebel.