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The exact steps I took to pay off over $107k in debt!

Lifestyle of the Intentional Spender Blog--helping parents get out of the paycheck-to-paycheck cycle and start saving for retirement
Burnout mom looking for a solution

What Getting Diagnosed with ADHD at 42 Taught Me About Budgeting, Burnout, and Breaking the Shame Cycle

YOUR GO-TO RESOURCE TO END THE PAYCHECK-TO-PAYCHECK CYCLE

Debt Rebel Podcast: Personal Finance for Families

With short, actionable episodes, you'll learn ways to save time, money and energy so you have more of each for your loved ones. No more stealing from your future to pay for today!

You ever have one of those moments where your brain finally connects the dots and everything just clicks—but it also makes you want to cry a little? That was me, sitting across from a therapist, learning I have ADHD.

At 42 years old.

And suddenly, so many patterns in my life made sense.
The overwhelm.
The burnout.
The impulse spending.
The forgotten bills.
The all-in hyperfocus followed by total crash.

And the shame spiral that whispered, “You should know better.”
Especially since I literally have a degree in economics.

Here’s the truth: knowing how money works on paper doesn’t protect you from executive dysfunction. Budgeting and personal finance systems that work for the neurotypical brain? They don’t always translate when you’re wrestling ADHD.

But let me be clear—this diagnosis wasn’t a death sentence for my financial goals. It was a flashlight.
I finally saw why I struggled and, more importantly, what to do about it.

Here’s What Helped Me Get My Finances (and My Life) Back on Track:

Routines that reduce decision fatigue. Monthly “budget meetings” with my husband help us stay on the same page—even when life’s wild.

Automation for the win. I use autopay, calendar reminders, and checklists so I don’t rely on my memory (because spoiler alert: that wasn’t working).

Community over isolation. I used to think asking for help was admitting failure. Now I run a coaching community where we check in on each other’s budgets monthly. Because accountability is the antidote to shame.

Compassion over condemnation. ADHD or not, you are not broken. You’re a human with a human brain trying to do life. Let’s stop beating ourselves up for not budgeting perfectly and start building systems that actually support us.

My family is now debt-free (except the mortgage), and I’ve turned what used to be a secret shame into a business that helps other families build financial stability faster—and with way less stress.

If you’ve ever felt like budgeting “shouldn’t be this hard,” or like your brain just doesn’t work the way those money gurus say it should… you're not alone. And you’re not doing it wrong. You just might need a different approach.


Want help finding one that works for you?

That’s what my group coaching program is all about. Come see how simple and freeing it can feel when you stop trying to do it alone. 💛

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About Jewlz The Budget Nerd

Certified Financial Coach & Host of the Debt Rebel Podcast: Personal Finance for Families

Julian "Jewlz The Budget Nerd" Kohlbrand is on a mission to empower families to take control of their finances and reclaim their time. Through her coaching practice, podcast and blog, she provides practical advice, actionable strategies, and unwavering support to help individuals and families achieve their financial dreams.

After studying personal finance for over 20 years and eliminating over $107,000 of consumer debt with her husband, she learned managing money is about more than numbers and spreadsheets. Developing a healthy relationship with money has ripple effects in other areas of life including your marriage, parenting, and work-life balance.

She also shares her wisdom and insight weekly as the host of The Debt Rebel Podcast: Personal Finance for Families. Available wherever you listen to podcasts.

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