Ever wonder why you keep falling into the same money habits, even when you want to change? In this episode of the show, I dive into the psychology behind our financial choices, exploring how emotions and past experiences shape our spending. You'll learn how to identify harmful money patterns, swap them for positive financial habits, and set yourself up for long-term success. Plus, I’ll share actionable tips to help you automate good habits and stay accountable. Tune in and take control of your financial future today!

Mentioned in this episode:

Build a better budget, eliminate your debt and find your financial margin with the Debt Rebel Starter Kit.

Ready to break the paycheck-to-paycheck cycle?

Join The Alliance for monthly coaching, accountability and community to help you achieve financial success!

🔗 Check out The Alliance Coaching Membership at jewlzthebudgetnerd.com

Not sure where to start? Book a call with Jewlz the Budget Nerd

You may also like:

014 Financial Organization: Building a Foundation for Success

025 Emotional Spending: How to Respond vs. React to Life's Curveballs

I share my insights on how to maintain a loving relationship while navigating financial challenges. Why it's important to budget for special occasions like Valentine's Day, the significance of open communication about finances with a spouse, and creative ways to spend quality time together without overspending. I also emphasizes why I think relationships should be prioritized over strict financial rules, and that compromise and understanding are key to a successful partnership and financial future.

References from this episode:

Date Night Questions:

https://jewlzthebudgetnerd.podia.com/datenight

Pinterest:www.pinterest.com/jewlzthebudgetnerd

Ready to break the paycheck-to-paycheck cycle?

Join The Alliance for expert guidance and a supportive community to help you achieve financial success!

🔗 Check out The Alliance Coaching Membership at jewlzthebudgetnerd.com

You may also like:

Episode 18: Building & Sustaining a Debt-Free Life: A Spouse's Perspective with Adam Kohlbrand

In this episode, Jewlz The Budget Nerd takes you behind the scenes of the new Alliance Coaching Membership and helps you plan your February budget like a pro!

💰 Learn how to prepare for seasonal expenses like Valentine’s Day, Super Bowl parties, higher utility bills, tax season, and spring break travel—without breaking the bank. Discover practical tips to stay on track, automate savings, and make intentional financial decisions that align with your goals.

Ready to break the paycheck-to-paycheck cycle? Join The Alliance for expert guidance and a supportive community to help you achieve financial success!

🔗 Check out The Alliance Coaching Membership at jewlzthebudgetnerd.com

You might also like:

Episode 25: Emotional Spending: Breaking the Cycle

Episode 35: 3 Ways to Kickstart Your Families Financial Goals in 2025 and Beyond

Connect with Jewlz The Budget Nerd on Instagram!

Even financial coaches slip up! Discover how I forgot to budget, what I learned from it, and why building strong financial habits can keep you on track—even when life happens. Progress isn’t about perfection!

Join the Debt Rebel Community

If you’re ready to take control of your finances, join the Debt Rebel community! Whether you’re just starting out or looking for ongoing support, here are some great resources:

• Free 5-Day Budgeting Challenge: Perfect for beginners.

https://jewlzthebudgetnerd.podia.com/challenge

• Debt Rebel Starter Kit: A step-by-step guide to creating financial margin and paying off debt.

https://jewlzthebudgetnerd.podia.com/debt-rebel-starter-kit

• Alliance Coaching Membership: Get monthly trainings, live Q&As, and access to budgeting tools in a supportive community.

https://jewlzthebudgetnerd.podia.com/

Follow me on Instagram: www.instagram.com/jewlzthebudgetnerd

Welcome to the Debt Rebel Podcast: Where we discuss the ins and outs of personal finance for families so you can eliminate the burden of debt, create financial margins, and learn a new way to interact with money.

I’m your host, Jewlz The Budget Nerd. And I’ve been in your shoes. My husband and I have paid off over $107k in consumer debt until we finally threw in the towel and decided it wasn’t for us. Throughout our journey, we learned another way to do life without debt and that’s my hope for you.

Oh and the icing on the cake, my degree is in Economics! Managing our money is not all about the numbers and spreadsheets!

In this engaging conversation, Life Strategist Trish Raap and I explore the journey to debt freedom, emphasizing the importance of understanding one's motivations and the necessity of self-care. We discuss practical strategies for personal growth, including the creation of vision boards, the significance of simplicity in life, and the development of new habits. The dialogue is filled with actionable insights and relatable anecdotes, making it a valuable resource for anyone looking to improve their financial and personal well-being.

Get Trish's Downloadable: https://yourlifestrategist.com/

Learn more about The Alliance Coaching Membership and More Money Than Month: Finding Financial Margin in 2025 & Vision Board Workshop: www.jewlzthebudgetnerd.com

You might also like 28 What Financial Preparedness Looks Like When Crises Strike with Special Guest Carlee Brown.

Connect with Jewlz The Budget Nerd:

Facebook: Jewlz The Budget Nerd

Instagram: @jewlzthebudgetnerd

Pinterest: Jewlz The Budget Nerd

YouTube: Julian "Jewlz" Kohlbrand

In this episode, I share more of my personal journey towards debt freedom and the lessons learned along the way including when my parents told me they were done supporting me financially. I illustrated the importance of financial education and setting boundaries with your adult children. I also introduce 'The Alliance', a debt elimination support community.

You might also like: Building and Sustaining a Debt-Free Life: A Spouse's Perspective with Adam Kohlbrand

Learn more about The Alliance launching on January 28th, 2025 with the workshop, More Money than Month: Finding Your Financial Margin in 2025.

Take the FREE 5-Day Challenge and save $1000!

Want to find out if financial coaching is a good fit for you? Schedule a call with Julian "Jewlz The Budget Nerd" Kohlbrand today.

In this episode, you'll discover three tips to make major progress in your finances in 2025. Keeping your family fed, prepared for life's emergencies and surrounding yourself with like-minded people will set you up for success this year in multiple areas of your life, not just your finances!

Join the waitlist for my new group coaching membership if you want more accountability, specialized training and practical tips to help you succeed with your personal finances!

You might also like Super Simple Meal Planning Tips for Busy Parents

Take the 5-Day Challenge and create a budget you'll actually stick to!

Submit your money questions here!

Connect with Jewlz The Budget Nerd: www.jewlzthebudgetnerd.com/connect

For more info on financial coaching services, visit jewlzthebudgetnerd.com.

Facebook: Jewlz The Budget Nerd

Instagram: @jewlzthebudgetnerd

Pinterest: Jewlz The Budget Nerd

YouTube: Julian "Jewlz" Kohlbrand

ABOUT:

Welcome to the Debt Rebel Podcast. Where we discuss the ins and outs of personal finance for families so you can eliminate the burden of debt, create financial margins, and learn a new way to interact with money.

I’m your host, Jewlz The Budget Nerd. And I’ve been in your shoes. My husband and I have paid off over $107k in consumer debt until we finally threw in the towel and decided it wasn’t for us. Throughout our journey, we learned another way to do life without debt and that’s my hope for you.

Disclaimer:

The information provided on this podcast is for informational and educational purposes only and does not constitute financial, investment, or other professional advice. The views expressed are those of the host and guests and are based on our own experiences. Always seek the advice of a qualified financial advisor or other professional with any questions you may have regarding your financial situation. Neither the podcast nor its host assumes any liability for any financial decisions or actions taken by the listener based on the information provided.

In this conversation, Julian Kohlbrand and Mindi Huebner explore the journey to financial freedom, emphasizing the importance of mindset, goal setting, and creating supportive habits. They discuss brain plasticity and how it can be harnessed to overcome limiting beliefs and foster a growth mindset. The duo also delves into the significance of SMART goals, the impact of identity on financial behavior, and the necessity of building a supportive environment for financial wellness. They provide practical tips for setting realistic goals, especially around New Year's resolutions, and highlight the power of gratitude and abundance in shaping financial success. The conversation concludes with actionable steps listeners can take to start their journey towards financial freedom.

Check out Mindi's Capsule Podcast

Jump on the waitlist for group coaching coming soon!

FREE RESOURCES: https://jewlzthebudgetnerd.com/free-resources

Submit your money questions here!

Connect with Jewlz The Budget Nerd: www.jewlzthebudgetnerd.com/connect

For more info on financial coaching services, visit jewlzthebudgetnerd.com.

Facebook: Jewlz The Budget Nerd

Instagram: @jewlzthebudgetnerd

Pinterest: Jewlz The Budget Nerd

YouTube: Julian "Jewlz" Kohlbrand

ABOUT:

Welcome to the Debt Rebel Podcast. Where we discuss the ins and outs of personal finance for families so you can eliminate the burden of debt, create financial margins, and learn a new way to interact with money.

I’m your host, Jewlz The Budget Nerd. And I’ve been in your shoes. My husband and I have paid off over $107k in consumer debt until we finally threw in the towel and decided it wasn’t for us. Throughout our journey, we learned another way to do life without debt and that’s my hope for you.

Disclaimer:

The information provided on this podcast is for informational and educational purposes only and does not constitute financial, investment, or other professional advice. The views expressed are those of the host and guests and are based on our own experiences. Always seek the advice of a qualified financial advisor or other professional with any questions you may have regarding your financial situation. Neither the podcast nor its host assumes any liability for any financial decisions or actions taken by the listener based on the information provided.