1
00:00:00,080 --> 00:00:05,440
Right, so if budgeting feels 
super overwhelming for you, this

2
00:00:05,440 --> 00:00:08,640
episode is for you. 
So it is a 15 minute. 

3
00:00:08,840 --> 00:00:12,400
Let's reset your budget and get 
you headed in the right 

4
00:00:12,400 --> 00:00:14,320
direction. 
All right, debt rebel. 

5
00:00:14,320 --> 00:00:16,960
I am so excited for today's 
episode. 

6
00:00:17,240 --> 00:00:21,960
First off is if you're listening
to the show right now and I'm 

7
00:00:21,960 --> 00:00:25,720
talking about ADHD and you're 
like, hey, you know what, that 

8
00:00:25,720 --> 00:00:29,000
kind of sounds like me. 
Or maybe you know what? 

9
00:00:29,000 --> 00:00:33,360
That's that's not me. 
I want you to don't don't 

10
00:00:33,360 --> 00:00:35,040
discount what I'm going to say 
today. 

11
00:00:35,040 --> 00:00:39,720
I'm only sharing this because 
for myself, I am recently 

12
00:00:39,720 --> 00:00:44,000
diagnosed with ADHD and didn't 
realize how much of A struggle 

13
00:00:44,040 --> 00:00:47,600
different different aspects of 
life were, including budgeting 

14
00:00:47,600 --> 00:00:50,320
were because of it. 
So these things are going to be 

15
00:00:50,320 --> 00:00:54,040
helpful if you have ADHD or 
maybe you have ADHD tendencies 

16
00:00:54,040 --> 00:00:55,560
or maybe it's like, you know 
what? 

17
00:00:55,640 --> 00:01:00,280
I don't, but I don't have a lot 
of time and really budgeting is 

18
00:01:00,280 --> 00:01:02,400
not that sexy so I don't really 
want to do it. 

19
00:01:02,680 --> 00:01:05,560
So. 
So today that is this is for you

20
00:01:05,560 --> 00:01:10,000
because it is a 15 minute reset.
I'm Jules the budget nerd and 

21
00:01:10,000 --> 00:01:13,400
welcome to the Debt Rebel show. 
This is the place where working 

22
00:01:13,400 --> 00:01:16,240
families like yours learn how to
stop living paycheck to 

23
00:01:16,240 --> 00:01:19,720
paycheck, crush debt for good, 
and build a life where money 

24
00:01:19,720 --> 00:01:23,200
actually works for your family. 
In about 15 minutes, I'll share 

25
00:01:23,200 --> 00:01:27,280
practical family budgeting tips,
tough love strategies, and 

26
00:01:27,280 --> 00:01:30,560
actionable steps to move toward 
debt free living without the 

27
00:01:30,560 --> 00:01:32,600
fluff, the shame, or the 
confusion. 

28
00:01:32,640 --> 00:01:34,640
And I know a thing or two about 
this. 

29
00:01:34,640 --> 00:01:39,200
My family and I have eliminated 
over $107,000 and consumer debt 

30
00:01:39,400 --> 00:01:42,240
and that was after I got my 
degree in economics. 

31
00:01:42,280 --> 00:01:45,520
So stay tuned. 
This is going to be a great 

32
00:01:45,520 --> 00:01:47,520
episode. 
So grab that coffee, your 

33
00:01:47,520 --> 00:01:51,120
planner, whatever you need to 
make this a great experience. 

34
00:01:51,120 --> 00:01:54,400
Maybe a snack if you're like me.
And let's make your money work 

35
00:01:54,400 --> 00:01:57,680
for your family. 
That's going to help you stay 

36
00:01:57,680 --> 00:01:59,600
focused. 
Focus is something that you 

37
00:01:59,600 --> 00:02:02,200
struggle with. 
I do sometimes my budget looks a

38
00:02:02,200 --> 00:02:05,040
little bit crazy to someone from
the outside, but I'll explain 

39
00:02:05,040 --> 00:02:09,600
that in a in a minute. 
So I want to give you some key 

40
00:02:09,600 --> 00:02:13,320
points to make some quick fixes 
to your budget. 

41
00:02:13,600 --> 00:02:16,880
So First off, it is pick one 
focus area. 

42
00:02:16,880 --> 00:02:20,760
So if you have ever tried this 
is this is a struggle of mine. 

43
00:02:20,760 --> 00:02:24,720
I go, OK, this is super great. 
I'm going to overhaul my entire 

44
00:02:24,720 --> 00:02:29,280
life because I saw one pin on 
Pinterest and they make it sound

45
00:02:29,280 --> 00:02:32,200
so easy. 
So I'm going to, so I'm going to

46
00:02:32,200 --> 00:02:36,080
just, I'm going to overhaul 
everything because I saw this 

47
00:02:36,080 --> 00:02:40,120
one pin on Pinterest. 
OK, so I will try and fix 

48
00:02:40,160 --> 00:02:43,240
everything all at one time. 
And so when it comes to our 

49
00:02:43,240 --> 00:02:47,280
money and, and if it comes to 
our attention, so our attention 

50
00:02:47,280 --> 00:02:50,920
is, is short and especially in 
the 21st century, it's getting 

51
00:02:50,920 --> 00:02:53,680
shorter and shorter. 
Just focus on one area. 

52
00:02:54,040 --> 00:02:56,440
Don't try and fix the entire 
thing. 

53
00:02:56,440 --> 00:02:59,480
It takes the average family, if 
you've never made a budget 

54
00:02:59,480 --> 00:03:02,320
before, it takes the average 
family three months to get to a 

55
00:03:02,320 --> 00:03:05,240
budget that is like this. 
This feels right. 

56
00:03:05,480 --> 00:03:09,120
So one, give yourself some 
grace, but two, just focus on 

57
00:03:09,120 --> 00:03:12,520
one thing. 
So for instance, check your a 

58
00:03:12,520 --> 00:03:15,200
great place to start is check 
your top three categories. 

59
00:03:15,520 --> 00:03:19,240
And so the top three categories.
These also fall into the 

60
00:03:19,240 --> 00:03:22,080
survival mode budgeting. 
If you have got, if you have 

61
00:03:22,080 --> 00:03:24,400
downloaded the debt rebel 
starter kit, it'll be in there, 

62
00:03:24,640 --> 00:03:26,560
but it's housing, groceries and 
gas. 

63
00:03:26,560 --> 00:03:31,040
So those are the three that can 
be, housing is typically our 

64
00:03:31,040 --> 00:03:34,360
biggest expense, groceries and 
gas, those are the other ones 

65
00:03:34,360 --> 00:03:37,600
that are a little bit more 
discretionary and have a little 

66
00:03:37,600 --> 00:03:40,600
bit more fluctuation based on 
what life is like. 

67
00:03:40,840 --> 00:03:44,280
And so check those 3 categories 
and see are there changes that 

68
00:03:44,280 --> 00:03:47,440
you can make there. 
And so if you have the Debt 

69
00:03:47,440 --> 00:03:50,440
Rebel starter kit there, there's
some great options to help you 

70
00:03:50,440 --> 00:03:54,560
reduce in some of those areas. 
But just pick one and say, hey, 

71
00:03:54,560 --> 00:03:58,440
you know what, I'm going to work
on reducing my gas for this 

72
00:03:58,440 --> 00:04:00,720
month. 
So what can I do to do that? 

73
00:04:00,720 --> 00:04:05,200
So maybe it's putting all of 
your errands on one day. 

74
00:04:05,400 --> 00:04:09,120
Now I know schedule wise that 
might not make the most sense. 

75
00:04:09,280 --> 00:04:14,520
So for instance, today I really 
want to run to Costco and grab a

76
00:04:14,520 --> 00:04:17,800
couple of things because we're 
we're short on it, but that's an

77
00:04:17,800 --> 00:04:22,079
extra trip when tomorrow I'm 
going to be right next to Costco

78
00:04:22,079 --> 00:04:25,800
and I could go tomorrow. 
So that kind of stuff is like 

79
00:04:25,800 --> 00:04:28,600
thinking through and planning 
ahead just a little bit to say, 

80
00:04:28,600 --> 00:04:33,200
Hey, is this going to be the 
best use of my time 1 and of my 

81
00:04:33,200 --> 00:04:36,040
gas budget. 
So in that scenario, you know 

82
00:04:36,040 --> 00:04:39,480
what it makes the most sense to 
for me to wait till tomorrow. 

83
00:04:39,480 --> 00:04:44,040
All right, now the next thing is
just adjust the one thing. 

84
00:04:44,280 --> 00:04:49,640
OK, so you have focused in on 
one area and now it is just 

85
00:04:49,640 --> 00:04:52,240
shifting. 
Maybe it's cutting something out

86
00:04:52,240 --> 00:04:55,320
or just reallocating. 
So what does that look like? 

87
00:04:55,320 --> 00:04:58,800
Just pick the one, one thing. 
So like I said, you know, for 

88
00:04:58,800 --> 00:05:02,520
the gas example or going to 
shift that around a little bit 

89
00:05:02,520 --> 00:05:06,560
and spend it more wisely. 
Maybe it's groceries for you and

90
00:05:06,560 --> 00:05:10,960
you're like, you know what, I 
need to reduce my spending on 

91
00:05:10,960 --> 00:05:14,880
food a little bit more. 
So what's 1 little adjustment 

92
00:05:14,880 --> 00:05:17,880
that I can make there? 
And I would say one of my, my 

93
00:05:17,880 --> 00:05:22,440
favorites is to shop your 
cabinets or your refrigerator. 

94
00:05:22,480 --> 00:05:26,640
So supercook.com or if you're 
comfortable using ChatGPT, put 

95
00:05:26,640 --> 00:05:31,120
that in there and it will give 
you recipes based on what you 

96
00:05:31,160 --> 00:05:33,160
have on hand. 
And so you're not having to make

97
00:05:33,160 --> 00:05:36,760
a trip to the store, which Ding,
Ding, Ding bonus could be saving

98
00:05:36,760 --> 00:05:40,440
you some gas money. 
So another tip is to set a 

99
00:05:40,440 --> 00:05:43,160
reminder for next week, 15 
minutes. 

100
00:05:43,240 --> 00:05:46,800
If you just, if you just spend 
15 minutes a week on your budget

101
00:05:46,800 --> 00:05:49,560
and just reviewing that maybe 
it's reviewing your expenses, 

102
00:05:49,960 --> 00:05:56,480
then you can accomplish a lot. 
So 15 minutes over a month is 60

103
00:05:56,480 --> 00:05:59,040
minutes. 
And then if you are part of our 

104
00:05:59,040 --> 00:06:01,600
alliance coaching program, then 
there's a couple other 

105
00:06:01,600 --> 00:06:05,000
opportunities to join for live 
calls, but you don't have to 

106
00:06:05,000 --> 00:06:08,800
spend a lot of time and effort 
on your budget. 

107
00:06:08,800 --> 00:06:10,920
It's just being intentional with
that time. 

108
00:06:11,200 --> 00:06:15,880
And so for myself, I will set a 
timer because one, I'm super 

109
00:06:15,880 --> 00:06:18,920
easily distracted and I'll 
think, OK, I'm going to solve 

110
00:06:18,920 --> 00:06:20,600
this problem. 
And the next thing I know I'm on

111
00:06:20,600 --> 00:06:23,160
a rabbit, rabbit trail is a 
rabbit trail or rabbit hole. 

112
00:06:23,480 --> 00:06:25,440
I don't know. 
Either way, black hole sometimes

113
00:06:25,440 --> 00:06:28,520
because I end up somewhere I'm 
like, I am so far away from my 

114
00:06:28,520 --> 00:06:31,440
budget. 
So setting a timer and having 

115
00:06:31,440 --> 00:06:34,560
some restrictions for yourself, 
but setting those reminders is 

116
00:06:34,560 --> 00:06:36,040
going to be super, super 
helpful. 

117
00:06:36,040 --> 00:06:39,880
So those are some of the things 
that I do to just make sure that

118
00:06:40,080 --> 00:06:43,960
so 15 minutes, I've started 
doing this even with like my, 

119
00:06:43,960 --> 00:06:47,280
some of my house chores or like 
I really just, I really, really 

120
00:06:47,280 --> 00:06:49,760
dislike dusting. 
So I'm like, I can dust for 5 

121
00:06:49,760 --> 00:06:51,240
minutes. 
It's amazing what you can get 

122
00:06:51,240 --> 00:06:53,760
done 5 minutes and it's the same
thing with your budget. 

123
00:06:54,040 --> 00:06:57,440
Just set a timer for yourself. 
Maybe 15 minutes seems too 

124
00:06:57,440 --> 00:06:59,720
intimidating. 
Maybe you set it for 10 minutes 

125
00:06:59,720 --> 00:07:03,240
or maybe set it for 5 minutes 
and you can accomplish a lot in 

126
00:07:03,240 --> 00:07:06,280
a short amount of time if you 
know you're just doing it for a 

127
00:07:06,280 --> 00:07:08,560
few minutes. 
Again, just to recap, some of 

128
00:07:08,560 --> 00:07:14,320
the ways that you can create 
that reset for your budget is to

129
00:07:14,400 --> 00:07:18,640
just pick one area and don't try
and refo and don't try and fix 

130
00:07:18,640 --> 00:07:20,680
everything in your budget, but 
just pick one area. 

131
00:07:20,680 --> 00:07:24,680
Some of those top categories you
can choose could be housing, 

132
00:07:24,680 --> 00:07:27,760
groceries and gas. 
Those are ones that can be 

133
00:07:27,760 --> 00:07:31,760
whether they're big expenses or 
they're variable that you can 

134
00:07:31,760 --> 00:07:33,400
make some adjustments here and 
there. 

135
00:07:33,400 --> 00:07:37,000
And then when you do pick that 
is to pick that one category is 

136
00:07:37,000 --> 00:07:41,040
just make one adjustment. 
So maybe it is that, you know 

137
00:07:41,040 --> 00:07:44,440
what, because I was really great
last week. 

138
00:07:44,600 --> 00:07:48,520
My goal last week was to reduce 
my gas budget. 

139
00:07:48,520 --> 00:07:51,720
So this week that I have more 
money to put towards my 

140
00:07:51,720 --> 00:07:54,200
emergency fund. 
Then that's the adjustment that 

141
00:07:54,200 --> 00:07:57,080
you make, right? 
That's a huge win right there. 

142
00:07:57,480 --> 00:08:00,800
And the more and more that you 
do that in those little 15 

143
00:08:00,800 --> 00:08:04,560
minute windows, then that's how 
you make financial progress. 

144
00:08:04,840 --> 00:08:07,640
Just like when our kids were 
learning how to walk, it wasn't 

145
00:08:07,640 --> 00:08:10,160
that, you know, they fell down 
and they're like, yeah, this 

146
00:08:10,160 --> 00:08:11,920
doesn't work for me, I'm not 
going to do it anymore. 

147
00:08:12,200 --> 00:08:16,160
They got back up and tried it 
over and over and over and over 

148
00:08:16,160 --> 00:08:18,880
again, right until they got it. 
So it's the same thing with 

149
00:08:18,880 --> 00:08:20,920
budgeting. 
Sometimes it can feel really 

150
00:08:20,920 --> 00:08:24,760
overwhelming and let's just 
tweak a couple of things, change

151
00:08:24,760 --> 00:08:27,160
a couple of things and see what 
happens. 

152
00:08:27,280 --> 00:08:30,640
And then just keep adjusting 
from there because one budget 

153
00:08:30,640 --> 00:08:33,080
that you make last month is 
going to be totally different 

154
00:08:33,080 --> 00:08:35,480
for this month because what 
matters most to you and your 

155
00:08:35,480 --> 00:08:38,280
family this month is different 
from what mattered last month. 

156
00:08:38,400 --> 00:08:40,919
And life changes all the time, 
right? 

157
00:08:40,919 --> 00:08:42,679
Especially when we're raising 
children. 

158
00:08:42,679 --> 00:08:44,720
It changes and evolves and 
grows. 

159
00:08:44,720 --> 00:08:49,120
And our, our focus is going to 
change too, because what matters

160
00:08:49,120 --> 00:08:52,480
most to us in this moment is 
different than what's going to 

161
00:08:52,480 --> 00:08:55,160
matter tomorrow. 
So I hope that today's episode 

162
00:08:55,160 --> 00:08:58,480
was helpful. 
And if you want some more 

163
00:08:58,840 --> 00:09:02,560
clarity around your money, I 
have the free webinar. 

164
00:09:02,560 --> 00:09:05,440
It's 15 minutes to money clarity
and it'll walk you through the 

165
00:09:05,440 --> 00:09:07,760
step by step process that I 
take. 

166
00:09:08,080 --> 00:09:11,280
It's absolutely designed for 
busy, distracted brains like 

167
00:09:11,280 --> 00:09:16,600
myself who don't have a lot of 
time and capacity to pour into a

168
00:09:16,600 --> 00:09:19,880
spreadsheet. 
So you can check that out on my 

169
00:09:19,880 --> 00:09:23,760
website at Jewels the Budget 
nerd.com/clarity. 

170
00:09:24,200 --> 00:09:27,960
That's CLARITY. 
And I'll link that in the show 

171
00:09:27,960 --> 00:09:30,800
notes for you too. 
But I hope that today's episode 

172
00:09:30,800 --> 00:09:34,000
was encouraging for you. 
And remember, you don't have to 

173
00:09:34,000 --> 00:09:37,160
change everything. 
These little, little changes 

174
00:09:37,440 --> 00:09:41,120
here and there are going to add 
up and accomplish huge things 

175
00:09:41,120 --> 00:09:42,960
for you. 
Thank you for tuning into the 

176
00:09:42,960 --> 00:09:45,880
Debt Rebel show today. 
Ready to take your family 

177
00:09:45,880 --> 00:09:49,600
budgeting to the next level, 
stop that paycheck to paycheck 

178
00:09:49,600 --> 00:09:51,840
grind and start living debt 
free? 

179
00:09:52,000 --> 00:09:56,240
Head over to my website, Debt 
Rebel podcast.com that's 

180
00:09:56,240 --> 00:10:04,320
DEBTREDEL podcast.com to grab 
resources, tools and tips to 

181
00:10:04,320 --> 00:10:07,080
make it happen. 
And don't forget, subscribe, 

182
00:10:07,200 --> 00:10:09,920
leave a review. 
And if you know another family 

183
00:10:09,920 --> 00:10:13,360
that will love hearing today's 
episode, it would be such a gift

184
00:10:13,360 --> 00:10:16,120
for both of us, your friend and 
me. 

185
00:10:16,240 --> 00:10:19,480
If you share this episode. 
And remember your debt free life

186
00:10:19,480 --> 00:10:22,880
starts with one brave step and 
I'm cheering you on every step 

187
00:10:22,880 --> 00:10:24,640
of the way. 
We'll talk soon, rebel.