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

Jewlz The Budget Nerd- Debt Elimination, Money Management for ADHD Families
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Hey! I’m Jewlz The Budget Nerd, a Certified Financial Coach and Economics grad who eliminated $107K in consumer debt. This award-winning show for families who are done living paycheck to paycheck and ready to take control of their money without the shame and stress. Winner of the 2025 Women Podcaster Award, this show delivers practical, judgment-free guidance to help you stop fighting about money, ditch debt faster, and actually stick to a budget that works in real life (yes, even with kids, busy schedules, and Costco trips that get out of hand). Listen + Learn: www.debtrebelpodcast.com

  1. 1D AGO

    How to Fix an Out-of-Control Grocery Bill | Ep 101 Debt Rebel Show

    If your grocery bill feels out of control, it’s not because you lack discipline. It’s because you’re budgeting for an ideal life — not your real one — and that gap is quietly draining hundreds every month. This episode walks you through how to uncover what you’re actually spending on food and how to reset your grocery budget without shame. You’ll learn how to separate categories, track for 30 days, and build margin for real-life busy seasons so groceries stop landing on credit cards. WHAT YOU WILL LEARN: [00:00] Why underestimating groceries — not irresponsibility — is the real problem [02:00] How mixing groceries, eating out, and household items inflates your numbers [04:30] The $700 vs. $1,100 mistake and how to find your real spending [06:45] How to budget for a real week instead of an ideal month [08:30] Why dialing in food first accelerates debt payoff and emergency fund growth If you’re tired of swiping for food and hoping it all works out later, the Grocery Reset Playbook will walk you through how to track, separate, and rebuild your food budget without guilt or overwhelm.Get it now at jewlzthebudgetnerd.com/groceries and stop letting groceries run your money.

    12 min

  2. FEB 10

    Why Celebrating Small Money Wins Is the Secret to Debt Payoff Momentum | Episode 100! Debt Rebel Show

    What if the fastest way to pay off debt isn’t cutting more—but celebrating more? In this milestone 100th episode of the Debt Rebel Podcast, Jewlz The Budget Nerd shares a powerful real-life win from the community: a listener who just dropped $15,000 on debt—something she never could’ve imagined doing two years ago. This episode is all about why celebrating financial wins (big and small) is the key to building momentum, especially if you’ve lived paycheck to paycheck or felt stuck for years. You’ll learn: Why debt payoff is a marathon, not a sprint How small wins (like sticking to your grocery list or funding an emergency fund) compound over time Why community and encouragement matter more than willpower How celebrating progress helps you stop relying on credit cards for necessities What actually keeps families consistent long enough to become debt free Jewlz also celebrates Episode 100, shares the Debt Rebel community’s growing goal of paying off $1 million in debt by 2026, and invites you to submit your own wins so we can celebrate together. 👉 If you’ve ever thought, “This will never work for me,” this episode might change everything. Resources mentioned: Submit your debt payoff wins + grab a free guide: debtrebelpodcast.com 🎉 This episode is your reminder: progress counts—and you’re allowed to be proud of it.

    12 min

  3. FEB 3

    Why Couples Fight About Money (It’s Not What You Think) | 99 Debt Rebel Show

    Money fights aren’t really about money. They’re about fear, values, stress, and feeling unseen—and money just happens to be the loudest messenger. In this episode of The Debt Rebel Podcast, I break down the three real reasons couples fight about money, even in strong, healthy relationships. If money conversations in your household feel tense, awkward, or something you avoid altogether, this episode will help you understand why—and what to do instead. You’ll learn: The 3 root causes of money arguments (and why they escalate so fast) How different money stories and upbringings create conflict Why not having a shared financial plan turns spending into personal attacks How stress and shame fuel defensiveness and shutdown Common money fight patterns like saver vs. spender, secrecy, and scorekeeping Why avoiding money talks creates pressure—not peace Whether you’re married, single, or in a relationship, this episode will help you see money conflict as information, not failure—and show you how to start healthier, calmer conversations about finances. Plus, I’m sharing my Date Night Money Questions (Use promo code POD) in the show notes to help you start talking about money without spreadsheets, guilt, or blowups in the cereal aisle. 🎧 Listen now and take the first step toward less tension, more clarity, and a financial plan that brings you together instead of pulling you apart.

    13 min
  4. How Money Trauma Impacts Your Spending, Stress, and Kids (with a Trauma Therapist) | 98 Debt Rebel Show

    JAN 30

    How Money Trauma Impacts Your Spending, Stress, and Kids (with a Trauma Therapist) | 98 Debt Rebel Show

    What if your money struggles aren’t about discipline… but your nervous system? In this powerful conversation, Jewlz sits down with licensed trauma therapist Jessica Hammock, founder of Vibrant Voice, to unpack how money trauma shows up in everyday life—at the grocery store, at the gas pump, and in the way we talk to our kids about money. This episode is especially for parents who want to break generational money patterns without passing stress, shame, or scarcity down to their children. What money trauma actually is (and why it’s not just “big T” trauma) Why budgeting can trigger anxiety, avoidance, or panic—even when the money is there How childhood messages like “we can’t afford that” shape adult spending behavior The nervous system signs that money stress is running the show How to shift money conversations with your kids from lack to choice Practical ways to help your children feel cared for without overspending A simple, powerful process to release inherited money beliefs and rewrite your money story Jessica also shares therapist-backed tools for: Identifying where your money beliefs came from Letting go of guilt, shame, and secrecy around finances Creating safety, permission, and confidence around money decisions If you’ve ever felt your heart race while swiping your debit card—or worried that your financial stress might become your child’s burden—this episode will feel like someone finally turned the lights on. Subscribe to the podcast so you don’t miss future episodes on parenting, money, and emotional wellbeing Share this episode with a mom who needs permission to do money differently Connect with Jessica Hammock at www.vibrantvoice.life Work with Jewlz to build a budget that supports your values—not your anxiety You’re not broken. Your money story isn’t permanent.And yes—your kids can inherit something better. 🎧 Hit play. Take a breath. Let’s rewrite the story.

    39 min

  5. JAN 27

    First 30 Days of Paying Off Debt: A Simple, Proven Plan That Actually Works | 97 Debt Rebel Show

    Most people don’t fail at paying off debt in year one.They fail in month one—because they try to do everything instead of the right things. In this episode, I’m walking you through exactly what to focus on in your first 30 days of debt payoff so you can build traction without burnout. No chaos. No perfection. Just a simple, boring, effective plan that works in real life. We’re breaking it down week by week, including: Why the first 30 days are about stability, not speed The non-negotiable step most people skip (and regret) How to choose your debt payoff method—and stop switching plans How to reduce decisions so you don’t burn out What usually derails people in month one (and how to plan for it) Why motivation isn’t the problem—and never was You’ll learn how to:✔ Build a starter emergency fund✔ Lock in your debt payoff plan (snowball, avalanche—pick one and stick with it)✔ Set up a simple weekly money check-in (10–15 minutes, max)✔ Expect resistance before it shows up✔ Make progress without needing a “perfect” month If you’ve ever thought: “I know what to do, I just can’t stay consistent” “I start strong and then life happens” “I should be further along by now” …this episode is for you. Option 1: Do it yourselfUse this episode as your month-one roadmap and start building momentum. Option 2: Grab tools to make it easierDownload my Debt Payoff Tracker at jewlzthebudgetnerd.com to track progress and celebrate wins. Option 3: Don’t do month one aloneJoin the membership for coaching, accountability, and a community of parents paying off debt together—because support shortens the timeline and reduces restarts. You don’t need more intensity.You need consistency. Progress compounds quietly—and month one sets the tone for everything that comes after. 🎧 Hit play and let’s build this the smart way.

    15 min

  6. JAN 20

    Debt Snowball vs Avalanche: How to Choose the Right Debt Payoff Plan (and Stop Winging It) | 96 Debt Rebel Show

    You finally looked at your debt numbers. Now what?Panic? Freeze? Google spiral? TikTok chaos? Advice from Cousin Laura? 😵‍💫 In this episode, I break down the three most common debt payoff paths—and who they actually work for—so you can stop guessing and start moving forward with confidence. We’re covering: ✅ Debt Snowball – why it works so well for ADHD brains, burnt-out parents, and anyone who needs momentum ✅ Debt Avalanche – when math does matter and logic keeps you motivated ❌ The “Wing It” Method – why paying minimums and hoping for a miracle keeps families stuck I’m also sharing: Why most people choose the wrong debt payoff method The real reason debt plans fail (hint: it’s not laziness or lack of discipline) What I wish I had done differently when my family was paying off $107,000 of debt Here’s the truth: motivation fades—but systems don’t.The best plan isn’t the “perfect” one. It’s the one you’ll still follow when life gets messy. Option 1: Do it yourselfPick a method, set reminders, and commit—progress may be slower, but it’s possible. Option 2: Get fast clarityJoin my FREE 15 Minutes to Money Clarity workshop and I’ll help you choose the right plan for your real life.➡️ Register at jewlzthebudgetnerd.com/workshop Option 3: Get ongoing supportJoin a community of parents eliminating debt with coaching, accountability, and adjustments when life happens—because doing this alone is the hard way. You don’t need a perfect plan.You need the right plan—and support to stick with it.Clarity shows you the path. Support helps you walk it out. 🎧 Hit play and let’s stop winging it. 👉 What to do next: Get LIVE Support: https://www.jewlzthebudgetnerd.com/membership

    13 min

  7. JAN 13

    What Actually Counts as Debt (How to Find Your Numbers & Create a Payoff Plan) | 95 Debt Rebel Show

    If you feel like you’re “not really in that much debt” but still can’t make financial progress, this episode is for you. Debt is often the invisible anchor holding families back — not because they’re bad with money, but because they don’t have clear numbers. In this episode of The Debt Rebel Show, Jewlz The Budget Nerd breaks down what actually counts as debt, how to find every balance you owe, and the first step to creating a plan to eliminate it. You’ll learn:• What does and doesn’t count as debt (yes, Buy Now Pay Later counts)• Common excuses that keep families stuck in the debt cycle• Where to find all your debt numbers in just 15 minutes• Why zero-interest debt still affects your cash flow and mental energy• How to get clarity without overwhelm, shame, or perfection This episode is all about awareness, not action. No calling creditors. No payoff math. Just getting honest with the numbers so you can finally move forward with confidence. 👉 Your next step:Join Jewlz for the free 15 Minutes to Money Clarity workshop, where you’ll learn how to turn your numbers into a clear, stress-free plan.Visit: JewlzTheBudgetNerd.com/workshop 🎯 Want accountability, support, and a proven path to debt freedom?Check out the Alliance Coaching Membership and join families working together to eliminate debt faster — without doing it alone. https://www.jewlzthebudgetnerd.com/membership Remember:You are not behind.You are not bad with money.Getting honest is the bravest step — and it’s where freedom starts.

    13 min

  8. JAN 6

    How to Stop Living Paycheck to Paycheck in 2026 (And Finally Pay Off Debt) | 94 Debt Rebel Show

    If you’re tired of setting money goals that fall apart, this episode is for you. In this kickoff to 2026, Jewlz the Budget Nerd shares the exact first step families must take to stop living paycheck to paycheck—and why skipping it keeps you stuck in debt. Learn how to protect your progress, build real momentum, and create a debt-free plan that actually works for busy families. Want to Join the Debt Rebellion? Get your FREE Starter Kit at ⁠www.debtrebelpodcast.com⁠ Learn more about Jewlz The Budget Nerd: ⁠jewlzthebudgetnerd.com

    13 min
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Hey! I’m Jewlz The Budget Nerd, a Certified Financial Coach and Economics grad who eliminated $107K in consumer debt. This award-winning show for families who are done living paycheck to paycheck and ready to take control of their money without the shame and stress. Winner of the 2025 Women Podcaster Award, this show delivers practical, judgment-free guidance to help you stop fighting about money, ditch debt faster, and actually stick to a budget that works in real life (yes, even with kids, busy schedules, and Costco trips that get out of hand). Listen + Learn: www.debtrebelpodcast.com

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