By Julian "Jewlz The Budget Nerd" Kohlbrand, Certified Financial Coach

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I'm not the best chef but I do know that Roasted Garlic Sugar Cookies are not quite the recipe you want to pass along to your grandchildren. In all fairness, I was trying to roast veggies for dinner AND bake cookies with my daughter at the same time. When I slide the veggies out of the oven to shift them around, a few pieces of roasted garlic fell onto the sugar cookies on a lower rack. I was trying to do too much at once and it didn't work out as planned.

The Problem with Multitasking in Your Finances

• We can fall into that same trap in our finances. Creating savings and trying to pay off debt at the same time is a form of multi-tasking that doesn't allow you to do either one very well.

• Just like accidentally mixing garlic with sugar cookies, trying to do too much at once with your finances can lead to mistakes and missed opportunities.

Taking Control: The Steps to Financial Freedom

A clear roadmap to get your finances in order:

1. Create a Budget: This is the foundation. Knowing your income and expenses allows you to make informed decisions about your money.

2. Build an Emergency Fund: Aim for $1,000 initially to cover unexpected costs and avoid using credit cards.

3. Attack Your Debt: Use the debt snowball method - list your debts smallest to largest and tackle them one at a time. Paying off even small debts quickly gives you a sense of accomplishment and frees up more money for the bigger ones.

Benefits of Taking Control

• Reduced Stress: By getting control of your finances, you eliminate arguments about spending and the worry of past debts.

• Financial Freedom: You gain the power to plan for your future and spend on what truly matters to you and your family.

How I Can Help

• Debt Rebel Starter Kit & Budgeting Masterclass: A comprehensive guide based on Julian's experience eliminating her family's debt along with tips and strategies to save your first $1,000.

• 1:1 Coaching Sessions: Focus on what YOU need to get over the financial hurdle in front of you. Each session is designed to create a financial action plan that works for you.

Bonus Tip: Meal planning, like budgeting, is another way to save money and avoid impulse purchases.

Remember: Financial freedom is possible. Don't be afraid to ask questions and seek help to get started.

About The Author

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 blog, podcast, and coaching services, she provides practical advice, actionable strategies, and unwavering support to help individuals and families achieve their financial dreams.

Hear her story here:

Connect with Julian:

• Website: www.jewlzthebudgetnerd.com

• Facebook: Jewlz the Budget Nerd

• Instagram: @jewlzthebudgetnerd

• LinkedIn: https://www.linkedin.com/in/juliankohlbrand/

• Pinterest: Jewlz The Budget Nerd | Host of Debt Rebel Podcast | Money Coach

• YouTube: Julian "Jewlz The Budget Nerd" Kohlbrand