Debt Rebel: Stop Living Paycheck-to-Paycheck, Budget Successfully, Improve Money Mindset

Struggling with budgeting, debt, or saving — especially with ADHD? In this episode, certified ADHD money coach Jewlz shares a simple, realistic plan to prepare your money for 2026, stop living paycheck to paycheck, and reduce financial chaos for busy families.

Life keeps throwing financial surprises — and without a plan, it’s easy to feel stuck, overwhelmed, and behind. If traditional budgeting hasn’t worked for you, this episode is...

If your year felt like one giant game of “Why is everything more expensive?!” — you’re in the right place. In this candid year-in-review episode, Jewlz The Budget Nerd breaks down the biggest money wins, lessons, and breakthroughs from real families who stuck with their budgets, faced financial curveballs, and came out stronger.

From handling the 2025 government shutdown with an emergency fund (yes, it saved the day) to navigati...

What happens when “The Budget Nerd” admits she changed her mind about one of the core budgeting rules? Yep… we’re going there.

In this episode, Jewlz breaks down the long-held belief that “if it’s not in the budget, you can’t spend it”… and why that rigid mindset may be secretly sabotaging your consistency, confidence, and momentum.

You’ll learn why flexible budgeting is actually a superpower for working families, how to shif...

Debt isn’t just numbers on a screen — it’s the late-night anxiety, the missed opportunities, and the constant feeling that you’re always one step behind.

In this episode, Jewlz breaks down the invisible price families pay when they rely on credit to survive: the stress, the shame, the strained relationships, and the dreams that quietly get pushed aside.

She shares her own story of digging out of over $107,000 of consumer debt, the t...

Buy Now, Pay Later looks harmless — four cute little payments of $25 and boom, you’ve got the thing you wanted. But let’s tell the truth: BNPL is still debt, and it’s quietly messing with your budget, your goals, and your sanity.

In today’s episode, Jewlz The Budget Nerd breaks down why Buy Now, Pay Later services like Afterpay, Klarna, and Affirm feel like budgeting…but actually sabotage your cash flow, spike impulse spending, and ...

Holiday shopping doesn’t have to wreck your budget or your peace. In this episode of The Debt Rebel Podcast, Jewlz The Budget Nerd breaks down four simple, ADHD-friendly money strategies every family can use to stay intentional, avoid overspending, and skip the credit-card hangover this season.

If you’ve ever opened your inbox in November and felt personally attacked by “35% OFF TODAY ONLY” emails… this one’s for you.

• How to crea...

Ever found yourself standing in a store at midnight, clutching a pair of half-priced socks and wondering “What am I even doing?”
Yeah… same.

In this episode, I’m pulling back the curtain on my old Black Friday obsession—racing out after Thanksgiving dinner, waking up at 4 a.m., and chasing deals that weren’t actually saving me anything. I share how those “can’t-miss” sales were fueling overspending, draining our budget, and keeping u...

Most of us were never taught how to talk about money — especially with the people closest to us. But when we avoid the conversation, the tension just grows. In this episode, Jewlz “The Budget Nerd” Kohlbrand gets real about money, boundaries, and healing strained family relationships that have been hurt by financial stress.

If you’ve ever borrowed money from family, felt judged about your spending, or avoided the “money talk” altoge...

5 Hacks for a Credit Card–Free Christmas (Without Killing the Holiday Spirit)

Tired of starting January with a holiday spending hangover? In this episode, Jewlz the Budget Nerd shares five no-fluff hacks to help you enjoy Christmas without debt or guilt.

You’ll learn how to:
🎁 Set a realistic holiday spending cap and actually stick to it
💰 Build a last-minute Christmas sinking fund
🧣 Simplify gift-giving with healthy boun...

Are you worried about how a government shutdown—or any unexpected financial disruption—could affect your family’s budget? In this episode of the Debt Rebel Podcast, I’m giving you practical, no-nonsense tips to take control of your money, even when paychecks aren’t guaranteed.

I dive into real questions from members of the Alliance Coaching Program, covering topics like:

• Creating a survival mode budget to prioritize essentials: r...

If budgeting feels overwhelming or impossible to stick with—especially when you’ve got a busy brain or a full plate—this episode is your financial reset button. 💥

In just 15 minutes, Jewlz the Budget Nerd walks you through how to:
✅ Pick ONE area to focus on (so you actually make progress)
✅ Make simple, ADHD-friendly tweaks to your budget that stick
✅ Reduce stress around groceries, gas, and housing—the big three budget-b...

Do you feel like payday disappears before you even blink? Mortgage, groceries, gas—by the time your paycheck hits, it’s already gone. If you’ve been stuck in survival mode, constantly reacting to bills and unexpected expenses, this episode is your roadmap to financial stability.

In this episode of The Debt Rebel Show, Julian "Jewlz The Budget Nerd" Kohlbrand shares actionable steps to move from financial panic to peace of ...

If the latest headlines have you checking your bank account twice and praying your job stays secure, you’re not alone.

Between rising costs and government shutdown chaos, it’s easy to feel powerless — but here’s the truth:

Peace with your money doesn’t depend on the headlines. It depends on you.

In this episode of The Debt Rebel Podcast, Jewlz the Budget Nerd shares a timely clip from her Financial Peace in Uncertain Times worksh...

Tired of your January budget falling apart by October? You’re not alone—and you’re not failing at money. Most family budgets fail because they aren’t built to survive real life.

In this episode, I break down the main reasons budgets fail, including overcomplicating, not updating regularly, skipping fun money, and lacking accountability.

I’ll show you how to create a flexible, value-based zero-based budget that evolves with your famil...

Ever wondered what actually goes on inside the Alliance Coaching Program?

In today’s episode, I’m pulling back the curtain and giving you a behind-the-scenes look at what it’s like to be a member. You’ll hear a real coaching conversation from one of our monthly Office Hours where we dig into an important (and super relatable) money question:

👉 What should I do with extra income — pay off debt, save for home improvements, or somethi...

Drowning in debt is overwhelming—but staying there is optional. In this episode, I’m pulling back the curtain on the 3 biggest mistakes I made while paying off $107,000 of consumer debt… and what I would do differently if I could hop in a time machine.

If you’re just starting your debt-free journey or you’re tired of spinning your wheels, these lessons will save you stress, time, and money:

✅ Why building a starter emergency fund is ...

Back-to-school season can feel like a financial ambush—supplies, sports fees, clothes, fundraisers, and picture day all hitting at once. Most families grab the credit card to cover it, but the stress (and interest) sticks around long after the school year starts.

In this episode, I’m sharing three simple, practical hacks to help you handle back-to-school expenses without debt—so you can feel confident and stress-free as your kids he...

Ever feel like saying no to your kids instantly makes you the “worst mom ever”? You’re not alone, mama. That mom guilt is real — but it doesn’t have to control how you parent or how you handle money.

In this episode, I’m breaking down why we feel guilty when we tell our kids no, the sneaky lies that fuel overspending, and how to shift from guilt to confidence when it comes to parenting and money.

You’ll learn:

• The 3 biggest reason...

Are you constantly stressed by your budget, overspending, or running out of time each month?

In this episode of the Debt Rebel Podcast, I share my three-step monthly planning system that busy parents can implement to regain control over their time, meals, and money.

I break down:
✅ How to plan your time to prevent financial chaos
✅ Meal planning strategies that save money and reduce food waste
✅ How to budget effectively wit...