How To Save More Money
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- Опубликовано: 6 сен 2024
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Do you ever feel like your wheels are spinning but you’re getting nowhere? This episode of The Rachel Cruze Show is all about how to save more money fast!
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Do you ever feel like your wheels are spinning but you’re getting nowhere? This episode of The Rachel Cruze Show is all about how to save more money fast! Get the money-saving tips and products mentioned in the show: goo.gl/3NNKPp
This is a much needed resource for all of us from Ramsey Solutions!! Thanks!! One thing: please have your technical team check the syncing of audio and video. Unless it’s only my phone it went off sync starting where you’re in the kitchen talking about giving ourselves grace with making mistakes.
Great, great show. First thought was that it could rival Rachel Ray, with a common 'cents' twist. Excellent.
Rachel Cruze
Stop t as long about your Cosco stuff- boring
Jodes G it should be included in the target app
Jodes G I love the cartwheel app and wasn't happy that got rid of it until I realized they just combined both of them. Your welcome
I paid off $33k! Love the new show!
I just paid off my last student loan a week ago! Paid off $42k in 2 1/2 years and now we're debt free!
Also, meal planning is life. We were spending an average of $100-150/week for a family of 3 with no plan; so much uncertainty. Now we know exactly what we're having, what we need, and we average $75/week! Will never go back to the grocery store without a plan or a list.
Paid off almost $99k. Just $5k from being debt free!!!!
Nusisu wow that’s impressive!
mama2threelittles thank you! It's taken the past 5 years and lots of focus as it was just me, but I'm so excited about almost being done. :-)
Good job I have to learn to save
Please pray for my husband and I , we are working on getting out of debt but we need more income , I am a SAHM I homeschool my children but I’m going to enroll them into school so I can go back to work, and my husband has potential to move up in his job we need prayer that this happens quickly because getting out of debt seems like a mountain but we are determined to get it done, thanks Rachel for your help and tips we love 💕 you!
I like the idea of starting the meal plan by looking in the pantry and fridge before planning the meals this way you are forced to use what you have before it goes bad
Rachel! I started the baby steps this January. I have paid off all my debt (3,000 dollars) and I have almost 2000 in savings. My car has broken down twice this year and this is the first time I’ve had the money to cover my expenses without credit! It truly feels amazing. #sheworkshardsavingmoney 😉❤️
Happy early birthday.
I've paid off over $81k since January 2015 with an admittedly loosely-packed debt snowball. I'm still in baby step #2, but making progress. #heworkshardforhismoney
Rachel! LOVE the show❤️ My husband and I are 2 months away from paying off $37,512 in 33 months! We are FPU coordinators at our church and just adore the principals y’all stand for! Thank you for encouraging us to change our family tree.
What an inspiration! Thanks
Rachel! Love that you have your own show now.
I started paying off debt just over a year ago and have paid off about 7k! From $42,000 down to $35,000!
Ash Cash Budget I LOVE your channel!!!
Courtney Madden Thank you!!! ❤❤ I'm glad you're along for the ride during my journey 😊
Yay! Love this! I paid off $23k of student loans and cash flowed my wedding!!
I used to do meal planning. For years. I don't do it anymore. Here's what I do - I find the meat that is on sale and buy a few packages of whatever it is...maybe it's a couple whole free-range chickens or a few packages of grass fed burger. If I buy more than one, then I have it for the following week or whenever, or I have it stockpiled for when there is no meat on sale. I stockpile meat, plus my husband is a hunter. Anyhow, I do it this way because usually meat is going to be the most expensive thing on people's grocery list, assuming they eat meat. Then I figure out, on the spot, what I am going to make with it, and try to keep it simple. I keep in mind that if I buy enough ingredients to make that meal last 2 or 3 days, that's less cooking I have to do. Tonight's meal is spaghetti squash spaghetti. The squash was $2, sauce and cheese $2.50 and loose sausage $2. This will feed my family of three supper for two days for $6.50....or $1.09 per meal.
Checking the pantry and the fridge is such a good tip. I use to keep doubling up on products because I wouldn't check before leaving to the store. As for Costco, I go in without a cart and only buy what I can hold in my hands (yes people look at me all crazy like and offer me a cart) 😂
We paid off $26k in student debt in 6 months! It was hard work, but totally worth it! As a working mom the Fred Meyer click list has saved us time and lots of money. No more Oreos jumping into the cart as I walk by them!
My Husband & I started a budget in October, started FPU in January, and have paid off $18,000 in debt! We are on baby step #3 now and we are only 24! Can’t wait for more episodes ☺️
Love it!
We paid off 20k$ in 6 weeks!
Thank you so much for all the great tips..
I have been online grocery shopping for a few months now such a difference!
Cant wait to see more!
A few years ago my church went through FPU. As a result I paid off my car and decided not to buy a new car which turned out to be a super wise move for me at the time! Also recently I had to buy a new washer and was able to pay cash because of my emergency fund! Also I have been sharing some of your information with a niece and nephews. Thank you for what you do!
Some great ideas! I would add two things to meal planning/intentionality:
Reverse the order of steps 2 and 3! Check the pantry/fridge/freezer BEFORE deciding what meals to make. This cuts down on food waste (which is wasted money!) and is a great practice for discipline (following through with eating what you purchased!).
If you want to lump intentionality with your health into meal planning, see a registered dietitian nutritionist! You might be over-buying portions or springing for expensive items that you don't need. You may also hear about cheaper, healthier alternatives and get some personalized meal planning tips.
I did a cost comparison of items I bought at WalMart & the same items at Sam’s Club. I found that the items often were not a bargain when buying in bulk, & there were too many temptations to buy other things at Sam’s Club, so I let my membership lapse. I now buy most groceries & paper products using Kroger ClickList, which helps me avoid impulse buys & stick to my budget. Plus they shop for me & then deliver to the car. WalMart offers a similar service, but I haven’t had a chance to use it.
SheenaCarver I would love to try those services but they haven’t launched yet for the stores in my town. 😩 I can’t wait until we get them.
Before ClickList, I would set a grocery budget, make a loose meal plan (briefly jot out meals for the week), make a grocery list, and then I would stick to buying only items on the list. Avoid the junk food aisles, shop alone if you can, take a calculator or use the one on your phone, & of course don’t go when hungry or stressed. It helps if you can go during less busy times/days.
Love this! We paid off 15k worth of debt this week! I love plugging in to the community to continue good momentum!! :)
My Level 10 Life AWESOME JOB!!!
Adding to the meal planning, especially if you're like me and super weak about eating out, keep the meal list on the refrigerator. I sometimes forget what I got from the store and this dumbs it down so great for me.
We paid off 10k and just about have our 15k emergency fund since going to FPU March 2017! Now I'm a Ramsey JUNKIE! Love all the personalities and it makes my world a lot BRIGHTER!
I've taken FPU and have paid off $120k so far since 2015. Projected to be debt free in 2023. I made a lot of bad $$ choices during college but I'm seeing a light at the end of the tunnel and it feels so good! Thank you for helping me put a plan in place.
Hey rachel thanks for all these tips! I️ have to say meal prepping is a huge time and money saver. Although I️ would switch 2.plan meals and 3.check the pantry. Because if you check your fridge and pantry, you can see what needs to be used, and is soon expiring. So then you can plan your meals around the items you already have! It helps reduce food waste and is easier to plan. Decision fatigue is real!
you were talking about apps and I have one for you Out Of Milk is an app that you can enter the price per lb, oz or item and keeps track of it for you while you shop so you know how much your spending before you get to the check out it takes a little bit more time and might annoy some people but it helps keep you on track so you aren't wandering around grabbing everything in sight. It just helped me stay closer to budget today!
Sydney Featherston I love that app! I use it all the time!
Groceries are the hardest part of the budget for me to stick to as well.
I´m so happy for your show!! is so great to have a financial show with a woman perspective!! Good luck!!
So far we have paid off over $21000 of our debt - $57000 left to go!!
Amanda S yowza. What did you spend money on
Hi Rachel! I’m 15 and I just went through FPU. My parents did it several years ago and it helped them get out of a lot of debt. I am hoping to stay out of debt as I get older! Love this show!
Love it! I've been watching and listening for years but this year it's hitting me how thankful I am for the Dave Ramsey teaching, and your fun personality makes it so entertaining to refresh and get fire up about it again! I'm finishing grad school and getting married mid June (we'll be starting out debt free and that brings so much peace as we really "adult" this summer!). Because of your show I know we will make communicating finances a priority as we've already been communicating so much about future life expenses and wedding expenses (we live by our zero based "Wedding Master" excel sheet budget, haha!). I'm now so excited to meal plan with my new hubby too!
A great way to save even more money is to ditch the plastic bottles all together and buy reusable bottles! Then no dangerous trips to Costco and tap water is way cheaper than the bottled stuff! :)
Okay, on the CFL lightbulbs, ours still burn out! Anyone else have this problem?
Woohoo! I am going to treat myself to #15 Reflexology because I truly do all of these things.. especially 11. Change office hours, so lucky to have flex time (except 7. toys at big lots -- no little kids and 10. Discount gift cards was new to me.. nice)
I stopped buying water bottles - We have so many refillable bottles at home, use those instead and save all that plastic waste as well as the money! If you're water isn't good, use a filter before refilling ;) I recently bought reusable straws and keep a few in the car for those unexpected drive through trips!
We paid off $48,000 in 20 months!!!! It feels SO good to be debt free. We are now on baby step 3b and telling everyone we know....!
This meal planning guide is exactly what I do and it's so helpful. I also plan the days that I know I'm not going to feel like cooking (baseball games, practices, gym night) and work those eating out nights into the budget so it's not a strain. Great show, love that I can watch this at my leisure.
Love the new show! My husband and I are working really hard to pay off debts (including my student loans 🤦🏼♀️) and even tho we are in baby step 2, our marriage is so much stronger and our communication is awesome! Never thought we had problems with either but FPU has literally been a God send in our lives. We are finally able to put down roots in one state now that he’s retired from the Army and cannot wait to be able to buy/build our home in Tennessee. Not just 4 walls that’s a house, but a home filled with love and being debt free. 💕
The new show makes me super excited!
Been watching you gal for awhile & listening to DAVE for 5 years, your parents are in my 50s age group. I am a two time graduate of FPU. This 20 episode summarized what I did for over 20 years as a single mom of a 6 month old & 3 year old that are now growing into wonderful human beings in their late 20s. Go Girl!
I do bulk grocery shopping for 6 months at a time! I like to shop at Marc's! Then I grow a 40x60 garden to freeze, can, and live off of all summer and fall. Then shop locally for the meats, cheese, bread, and produce as needed.
I just finished FPU and I’m going to be teaching it at my church soon! I HIGHLY recommend it to anyone looking to expand their financial wisdom exponentially 🤓
Thank you for sharing all this tips! I got your audio book on audible and got your book in Sacramento California signed by you, just to pass it on to a close friend of mine, now he is giving me tips based on your book, isn't that a blessing! Thank you so much Ramsey-Cruze family for always thinking about your neighbor!
Congratz on your new show! Paid off 34k in 18 months currently saving for a down payment for my first home! Thank you!
I totally agree with the grocery click list. So worth the fee!!! I had a list ready to order, but I decided to go on my own. Bad move!!! I literally spent just over double the amount than what was on my list. Great tips, Rachel. Thank you for sharing.
We took financial peace in March 2016 and we have paid off $67,000 so far, and we are getting ready to buy a house in the next couple of months! If you stick to the plan, it works!
Love love love Rachel! So glad to see some different topics that she hasn’t covered yet especially food related 😋It’d be cool if this was live with guests and more often! Sad we have to wait 2 weeks! Can’t wait for more episodes!
That would be awesome
I don't know I go into big box store and the random buying I don't have I want to leave asap.. But dollar tree/ good will I'm a hot mess
rachel has such great style.
FP university changed our lives I know it. We took the class before we got married and money has NEVER been a struggle for our first year of marriage. We are so united!!
I gave up my Costco card about 5 years ago. I felt like I was being lured into using their coupons all of the time for stuff I really did not need. I thought I would miss my Costco visits, but I have survived. And, I am still using Clorox wipes from my Costco stash from 5 year ago !
My wife and I started meal planning a couple months ago, and its costing us more. Before we were spendong 200 now were spend 250. Before we were running out of food, and now we just what we need, or a little more. It excellent we love it. The best part is knowing qhat were having for supper.
Andrew Bellemare I cook Mexican, Indian and Italian meals. Most of them are very affordable lots of grains and vegetables, small amounts of meat. Weekly grocery bill $40, be creative!!!
Buy toys at consignment shops! You get them cheap. They are already built if you hate putting together toys and opening the packages. And when your kids get tired of them send them back to the consignment shop for store credit!
bought workout clothes at TJMaxx and found my FAVORITE brand because of it - 90degree by Reflex. You will seriously love it
I love this new series. Side note, could you guys consider blurring out part of the social media names? I'm concerned about using the hashtag if it's selected for a video and people can easily see that.
Thanks!
I got chills during the intro reel. Also loved the side notes from Rachel 👌
This was awesome! Easy to use, practical advice for everyday life and everyday situations. The Papa John's pizza meal prep cracked me up! 😂
So excited about your new show Rachel. Also, Clicklist is life! I won't shop any other way now. It saves me tons of time and money.
Had this on my calendar! Guess what I’m watching on my lunch break!
Why did you need bottled water? Dont you have a refillable container?
YES for RUclips workout videos! I use Fitness Blender and it's FANTASTIC and it's FREE!
I really enjoy this. Thanks for posting. We payed off 40,000. Working hard to pay off the last 20,000.
#sheworkshardsavingmoney Saved cash for a holiday with my boyfriend, it's our first one after 4 years! 😁
Paid off $25,000 so far. We have a measly $49,000 to go!
Did you pay them off?
@@ezzeldin3714 we did! It feels so freeing!
@@jennwatson8035 well done!
I love you & your advice Rachel but I have a slight problem with tip number 6 only cause I work in a grocery store & if everybody stays out of the stores then I & many others will be out of a job long before robots/technology will put us into the job seeker queues ☹
Don't worry. There are still plenty of fools who will continue to be parted from their money. ;-)
Rachel Cruze, ❤❤❤❤ your new show, I'm excited and I'm also taking a lot of notes for years in my journey.❤👍
Rachel absolutely love you mentioning using discounted gift cards. But you didnt say the best places for them. I go to eBay and cardpool.com! Love your show.
Card factory
Hi Rachel! I was so excited to learn about your new show from the Smart Conference in Boston this past weekend! My husband and I officially became debt free, besides, the house on January 30th!! As soon as I paid off our last loan I called my husband and said HEY you need to come home really quick so we can take a debt free selfie and post it on Instagram! We are now in the process of saving up to redo our kitchen, paid in cash of course. And working on Baby Step #3. Can't wait for more episodes!!
I’ve been busy with moving and so many things this past month, I forgot about your show! The best thing about it is I get to catch up and watch your videos back to back. Lol. ❤️ Great first episode though!
I'm just now watching this show and absolutely love the loads of advice being given here especially about the meal prepping! I'm so gonna be on this when I go home. Thank you Rachel!
Coupons!!! Last year our family used almost $2k worth of coupons. They are totally worth the time!
Such a great show. Love the tips and ideas and support to make solid financial choices
Congrats on the show! Just getting started, but Dave has saved my financial life and possibly my marriage. Your family is amazing! I hope my daughter turns out like you.
U so pretty and I love your dad.... because of him,I save now
Love your show!! Groceries is a huge overspending area - another one for us is our pets - seems like we are always overdrawing their envelope account - between food - vet bills - groomer -and all things dogs- seems impossible to keep on budget with them
Make this be the first show of many many to come in the future. God bless you and your family . #daveramsey & #Rachelcruze 👍👍👌👌
I could have shortened my previous post. :) Find what's on sale and make meals with that. It requires thinking on the spot though. I had to get used to that part. Another great idea...shop at grocery outlet stores. I happen to have three in my area, and they are HUGE money savers. Some folks may not have any close though.
Need to add live chat so we can discuss the topics even tho our lady is not live! Great job Rachel! Hope to see you in real life this summer!
Great show and set Rachel!
Caroline is a great name btw.
Love the show! Well.. let’s be honest we watch because we love you, Rachel. Your personality really shines, and you really did need your own show!
I loved the first episode, and I am not sure I can wait two weeks for the next one! I have been cutting my own hair to help save money(it is not that bad) RUclips has great how to videos!
I love the new show. The set is gorgeous. My husband and I have meal planned since day 1 of marriage. We are now facing our 7 year anniversary this summer! We have kept our grocery budget (family of 3) to about 300-400 a month!
I live in a rural area that doesn't have a lot of coupon options, so meal planning is the best option. Also, meal planning WITH the sales flyer in hand. We just started our emergency fund and debt snowball. We are adamant about getting debt free. It should take about 3 years.
#sheworkshardsavingmoney
Great show! First time I've seen one!
Rachel!!! Make an hour show!!! Love you!!!
We’ve paid off about $15K and plan to be out of debt in about a year! I definitely want to try out reflexology!
Awesome show Rachel! I will look forward to your fortnightly episodes
*Yeah, Costco will do that to you...but bottles of water??? EEEK! Definitely save money by NOT buying bottles of water 🤣 I show people how to save money by shopping at Costco..and yes stick to the LIST!!!!* 💥💥💥
FREE TO FRUGAL totally. Our city stopped accepting recyclable plastc bags. Trying to instill new habits is hard. The bags actually cost more to recycle.
Agreed. I am on a well and have a whole house water filtration system, including a reverse osmosis system just for drinking water. Well worth the investment and no plastic bottle waste.
Yes I'm in the city, reverse osmosis and whole house water filter, rarely ever buy water.
NB
Walmart Pick-Up has changed my LIFE!!! Shop at home, drive up and keep ALL THE BABIES in the car, the my load me up and in 3 MINUTES FLAT, I’m out!
Congratulations on your new show! I love that hashtag and we are currently saving money to remodel our house and pay it off in five years! Meal planning is saving me money and lots of time! So glad you mentioned that!
So excited for this premiere!!! Great show Rachel!
This makes alot of sense. I love you Rachel, hugs from Zambia-Africa💝
I paid off $5500 which was my student loans from freshman year. Now I am debt free at 21 and plan on being df for the rest of my life!!!!
We have paid off over $31,000 in 8 months and are excited to get this debt behind us!
Awesome! Thank you Rachel!
Utube is AWESOME and I admit...... I am ADDICTED!!! Doctor tells me there is no intervention though. Lol ☺️ Big Lots Rocks!! Groceries....we buy generic brand now. Cosco to u is like Walmart is to me! That's why I say Walmart is the Evil Store! By the way love your reciepies!!
Such a great birthday present for me! Thanks, Rachel!! I love the show!
Cheyenne McGraw happy birthday!
I did that too with Costco.
Don’t buy giant tubs of perishable food items at Costco / Sam’s Club unless you have a large family that would actually finish it off. Hummus, vegetables, etc.
So happy to hear you have a show now. I will definitely be sharing this with friends and family. The Ramsey Solutions crew is doing such an amazing job and it really is work that matters!
Great show! I admit food is a weak point for me. I need to be better at meal planning. I rarely go out without a list, but I do stray from it too much!
Loved the 15 ideas and your inspiration. Great episode.
I am happy for you Rachel I do enjoy watching your shows - thank you -