How to Stop Spending So Much Money

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The truth is, if you want to pay off debt quickly or save more money, you need to learn to control your spending. So in this episode I’m talking about why we spend money and when we shouldn’t.
Pay off your debt quickly like Melvin and Danielle by buying Financial Peace University: goo.gl/fqcVgt
Get the amazing goal trackers I mentioned: goo.gl/EnwpXC
Eliminate stress and worry from your life without breaking the bank by getting life insurance from my friends at Zander: bit.ly/2Pd6Nss
The Envelope System Explained: • MY VERSION OF THE ENVE...
Find out more about the great products Woman's Day and I talked about: www.womansday.com/greatcleaners
Sponsors pay the producer of this show, The Lampo Group, LLC, advertising fees for mentioning their services or products during programing. Advertising fees are not based upon or otherwise tied to any product sale or business transacted between any consumer or sponsor. The following sponsors have paid for the programing you are viewing: Zander Insurance
#SavingMoney #Budget #RachelCruze
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Опубликовано:

4 ноя 2018

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Комментарии : 191

@brianaguajardo6268 5 лет назад

I am 19 years old, still living at home, no car payment etc. But I have taken out at $10,000 student loan. Seeing all of these people with normal lives fighting their way to financial freedom has inspired me to go on this journey as well. Why would I not do it while still in my parents home. I'm so excited to make this commitment to be different and get out of that $10,000 student loan. Baby step #1 here I come!

@daveyjoneslocker4703 5 лет назад

Briana Guajardo what’s the student loan for?

@brianaguajardo6268 5 лет назад

@@daveyjoneslocker4703 For my cosmetology school

@jenniferikelman5516 5 лет назад

Good for you! I wish you luck.

@joangoodings2169 5 лет назад

Go for it.

@mark.daniel 5 лет назад

Hi Briana! My name is Mark, and I'm a member of Rachel's team here at Ramsey Solutions. Thanks so much for sharing your story! It's so exciting that you've made such a smart decision so early. Our team has created goal trackers to help you visualize your progress as you work through each step. You can find them on rachelcruze.com/show. I hope those are helpful for you. Let us know if there's anything we can do to help and encourage you on your journey!!!

@Classof-et4wd 5 лет назад

Hi Rachel I just became debt freeeeeeeeeeeeeeeeeeeeeeeeeeeeeee!

@harrygolfen704 5 лет назад

i also paid off my bills recently through a link provided by a trusted friend , reliable and safer for clearing all debts related issues ,contact airprohackers @ gml

@Locomaid 5 лет назад

Congrats!

@christinekleinschmidt4676 5 лет назад

Khaledh Tejannee well done!

@TheBrittbrat2341 5 лет назад

I just have to stay away from the stores, otherwise I will spend on unnecessary things! I'm doing a no spend November and so far so good!

@tamarajohll5735 5 лет назад

Sounds like a nice plan I don't know if I could do that though

@mark.daniel 5 лет назад

Hey there! My name is Mark, and I'm a member of Rachel's team here at Ramsey Solutions. I just wanted to say that I can TOTALLY relate. I only go to Target when I have a very specific list of things that I actually need, and not just things I want. (just one example!) I'm also super curious about what you mean by a no spend November. Can you share a bit more??

@vivianp5962 5 лет назад

Im tbe same way. I havs fo put my money in the bank before i spend it. Im trying a no spend month soon as soon as i get some bills paid, etc.

@kimkirksey562 3 года назад

That's me...stay away from the stores....2021...I am doing one day at a time...

@barbararobinson4691 3 года назад

The sense of peace is worth every sacrifice. I am debt free and love every minute of it as a retired person with a fixed income.

@rebeccab7429 5 лет назад

My favorite product is vinegar for cleaning anything in the home, it's safe, natural and chemical free, also very affordable!

@nickfrassinelli6483 5 лет назад

It's not chemical free. It's a mixture of ethanoic or acetic acid with water.

@jnaponte 5 лет назад

My favorite household product is my all-purpose Cleaner! It’s 2 cups distilled water, 2 tbsp Castile soup, and 10 drops orange essential oil! Works wonders!

@catherineholcomb4488 5 лет назад

This is a better tip than the ones above!

@s.b.5591 5 лет назад

I’m taking this! Thanks

@SanciJ 4 года назад

Me too!!! I use that or Thieves--one bottle lasts me at least 6-8 months, and is all purpose too. #cheaptricks

@christinekleinschmidt4676 5 лет назад

I have 2 saving accounts. 1 is 3 miles away and 1 is local. I put something in both of them by standing order and get it updated occasionally. If you don’t see the money go in you’ll be less likely to draw it out.

@AshCashBudget 5 лет назад

The cash envelope system helps me stay on budget so much. Also not using the emergency fund for things that are not emergencies. Having a plan makes everything so much less stressful. It can be hard but it's so much better now than it used to be. One of my new favorite household products is the swiffer dusters. I underestimated how easy it would make dusting. I love it.

@vanginmi 5 лет назад

To be truly money saving - toss all these 'products' and use a cloth with water - works just as well and its not trying to sell anything. Unbrand our lives from corporations who try to sell us things! Vinegar, baking soda and water! I love the Dave Ramsey program but I am not sure about the product placement in this episode.

@dianechoate2906 5 лет назад

M VG these product companies are sometimes sponsors. .

@tiffanylikestodance4452 5 лет назад

Way less wasteful as well 👍

@vanginmi 5 лет назад

Hi Diane, That is sort of what I am getting at. The video is entitled 'How to stop spending so much money' and the video promotes buying items that truly are not needed? A reusable cloth and some basic non-branded products would do the exact same job. It doesn't really sit right with me. Disposable, phone screen cleaners - seriously?

@desiree2086 5 лет назад

I don't feel like they were sponsers.. I mean there are ads during the video from Zanders etc. Which I don't mind btw. But the products mentioned don't really go with the title of this video. Vinegar and microfiber cloths can do a lot.

@ninagetsit5543 5 лет назад

I agree! It was confusing to see this video seeing three minutes in, you're being encouraged to buy something. I think this would've fit a different theme. Rachel, what's up with this?

@marcilk7534 5 лет назад

Wait. What? How to stop spending. You need to buy these products. Not helping.

@robe8607 3 года назад

My thought exactly! Also the term phrase "these make your life better". Not if you're in debt and part of your budget is going to products no one needs. So sad there was no mention that these are all "want" items and there is no reason to buy them until you're on at least step 3.

@ligmadick3401 3 года назад

Lol yes, I feel like tnis channel is more about how to spend money.

@Ms-Jones 3 года назад

My thoughts exactly

@readerbabe1984 3 года назад

I don't feel like the ads are a big deal. Maybe they should not have been there. However, if you are aware of it then you can still get something out of this video.

@marcilk7534 3 года назад

@@readerbabe1984 Oh, I didn’t mean the ads. I was talking about her video.

@rl3938 5 лет назад

Hi Rachel, my family just finished vacationing (which we saved for ahead of time). We had no debt that followed us home from vacation, which is great. However, I realized that much of the money I spent on vacation was on gifts for others (a little something for my office mates, a thank you for watching the house, picking up the mail etc...) Do you think you could do a video some time on how to get away from the obligatory souvenir/gift without hurting peoples feelings or disappointing them. Thanks!

@courtneydebian 5 лет назад

good one

@gbritto98 5 лет назад

This is my first time watching Rachel’s videos. I usually watch Ramsey but I like her. She seems really relatable and down to earth

@caleighmacko4034 5 лет назад

I seriously love you and Dave!!!! I just started watching a month ago!!! This has changed my life!! And how I look at spending money!!! I need to take the FPU classes !

@taylorcurrah 5 лет назад

I love having a cordless vacuum for quick touch ups on the floor and Weiman’s glass cook top cleaner for my stove. As a spender, thanks for this episode!

@JORD-. 5 лет назад

Thank you for this video Rachel! It was so needed💕

@danielletanner137 5 лет назад

My favorite household cleaning product is Clorox wipes. They are so versatile and convenient! Great show, Rachel! Melvin and Danielle were very encouraging to see. My husband and I are where they started.

@jamierisen3485 5 лет назад

I love the Magic Eraser, especially for tiny toddler hand prints! Thanks for the great tips on this show!

@catherineholcomb4488 5 лет назад

These tips for saving money actually all look like spending money to me! Hate to by debbie downer but buying disposable wipes and ziplock plastic bags and heavy duty post it notes? All those things just add to plastic waste and consumerism in general.

@ir10031981 5 лет назад

thank you Rachel, you, your father Dave, Chris Hogan advocate personal and financial responsibility and it's wonderful to find a program that talks about it. We need more people like you teaching this stuff and motivating people to be debt free and take responsibility by living on a plan/budget.

@amyk8335 5 лет назад

I thought I’d learn something watching this but I was wrong. Space bags? Post it notes on food? Product placements and commercials for life insurance, followed by promoting her seminar. Spend money on the items she gets a kickback on... no thanks.

@juneeleanorngales6817 5 лет назад

Favorite product, ziploc vacuum bags. Yay to envelope system! I've always thought higher income is the solution to paying off debts until I discovered the envelope system at my most financially challenging time, it taught me discipline and gave me the will to make it to baby step 4 and moving forward!Thanks to Dave Ramsey and your Channel...

@StefanieOConnell 5 лет назад

Yes! I am all about considering the opportunity cost of each of your expenses and potential purchases.

@cherylfewell-brown4070 5 лет назад

I love Bar Keeper's friend. I was at my daughter's house last night and helped clean up the dinner dishes. I asked my son-in-law if they had any. They didn't. They have lovely stainless steel cookware that looked sad. I know what I'm picking up at the store for them!

@amandadiaz905 5 лет назад

my favorite inexpensive household cleaner is vinegar!! But I can't wait to try the bar keepers and behr wipes in this video! Great episode Rachel - I love the segments that have practical tips

@kachmelover 5 лет назад

My husband and I have done financial peace university and until know it didn't stick so I am working hard at saving money again. Thank you karyann

@Nosilla928 5 лет назад

Still love the swifter for quick cleans between full vacuum/mop sessions!

@leebroom4 5 лет назад

My favorite household product is my Tide pods. I used to hate having to use powdered or liquid laundry detergent, which were so messy! Now it's fun to wash my clothes by just throwing in the pod, then my clothes and pushing the start button on my washer. Easy.

@meghanpaterno3450 5 лет назад

We love using Bon Ami- the powdered version of Bar Keeper's Friend to clean our stainless steel pots and other kitchen items! We're working our way through baby step 2- about 90k of student loans left to go, but we're thankful for budgeting and Financial Peace University. We're coordinating our second class in February, hoping to help other people along on their financial journey! Thank you for all you do Rachel!

@elisealdrich1166 5 лет назад

My NEW favorite household product: windshield washer fluid. Okay I can hear the confusion! A few weeks ago after it snowed (yes snow in October!) I noticed my windows needed cleaning but regular window wash would freeze at 20 degrees F. But windshield wash doesn't! No streaks and I can wash my windows all winter!

@danicagiermann8880 5 лет назад

My favorite household products are super simple: baking soda and vinegar. Simple, clean, natural and oh so good!

@annapower1833 5 лет назад

Great show Rachel! My fav product is Swiffer dusters! But I also love using my DIY products like homemade floor cleaner: water, vinegar, peppermint essential oil. Floors sparkle and house smells amazing. Did I mention it’s also cheap and environmentally friendly? Bonus!!

@babytab1 5 лет назад

Thanks for this great video! I'm definitely a spender and I needed to hear this. My favorite household supply has got to be my little handheld vacuum. My kids are constantly making messes and instead of hauling the big vacuum around I just grab my handheld one and have them vacuum up their mess!

@drunclecookie216 5 лет назад

for several years I have kept a month by month spreadsheet documenting what we had in the bank, what we brought home in our paychecks, what bills we paid, and what we spent after bills.... one thing missing was other necessities such as one time bill payments, gas, and groceries. this past year I finally got it dialed down to catch those one time bills and everything we spent on gas and groceries each month. using this info I was able to calculate what we have left after bills, gas, and groceries and I was able to set a spending limit to where we could still clear an average target amount each month. I'm hoping this method will help me get my car paid off 2 years early this coming year.

@GardenMinistry. 5 лет назад

The envelope system really truly saves us every month! Keeps you in line!

@deborahthompson6817 5 лет назад

Swiffer dusters scented is my favorite product. The extension one. You get cobwebs up, dust stairs and corners, We use them outside they dust away leaves so much easier than a broom. Just toss out or shake out.

@marylepine7091 5 лет назад

I need all those products you shared especially the phone wipes and extreme post its! But my favorite household hack is baby wipes. They are great at cleaning little messes on the carpet or clothes in a pinch.

@CookingLessonsforDad 5 лет назад

I was really surprised she was promoting those products on a video of how to get out of debt.

@SISSYKAY 4 года назад

Me too. Especially since this is my first time here checking out this budget channel. I would not buy any of those products anyway. Maybe this channel is not what I expected. Trying to get us to spend money?

@lynnstandfest8021 5 лет назад

Love my microfiber cloths! I have the kind that are 2-sided, one softer side is for electronics and the rougher side is for scrubbing!

@elizabethincze1791 5 лет назад

One of my favorite household cleaning products is Mrs. Meyers counter top spray and hand soap.

@genaelewis2339 5 лет назад

In BS2 working to pay off $20,000.00 in medical debt. Thanks for showing us the plan.

@marhal7686 5 лет назад

My fav household thing is Kirkland baby wipes! Use them for quick wipe down of surfaces, faces, and sticky fingers.

@jlamarev 5 лет назад

I DEFINITELY LOVE THOSE BEHR WIPES! MY 5 YEAR OLD HAS MADE A MESS OF OUR WALLS AND I THOUGHT WE WOULD HAVE TO RE- PAINT BUT NOT ANYMORE!

@stac86uk 5 лет назад

Thanks for the honesty ... so relatable ❤️❤️❤️

@s0uthernchic 5 лет назад

I love my micro fiber cloths! And that mop you featured that stands up on it’s own?! Where’s that been my whole life?! 💗

@cspann33 5 лет назад

I love the idea of the goal tracker! I just downloaded it and will use the 3-6 months emergency fund form bc I already completed my $1k emergency fund!!🙌🏾🙌🏾🙌🏾

@jeannieholzberg6395 5 лет назад

My favorite household product is Amazon wipes. I carry them in my purse, use them on my toddler and clean many different surfaces in my house.

@amandamlewis44 5 лет назад

Favorite household products is my Dyson cordless vacuum. I just love the ease of having no cord.

@danajackson5730 5 лет назад

I LOVE all the products and Woman's Day mag! I four kids so I am always looking for products to make my life easier! Love your show 😊

@dixiefields4550 5 лет назад

YL Thieves household cleaner....non-toxic, and it is truly all purpose, as it comes in a concentrated form and you can use different dilutions for different cleaning needs. It is definitely very cost effective.

@tamarajohll5735 5 лет назад

If it's not broke don't fix it! My favorite household products micro fiber clothes especially norwex.

@caitmcg4382 5 лет назад

My favorite household product is the Tide pen!! Whoever thought that up deserves a medal.

@leheemer 5 лет назад

My favorite household products are Lysol and/or Clorox cleaning wipes.

@TK-he3gz 5 лет назад

Hello Rachel I loved this episode. My favorite household product is (drum roll pleaseee, believe it or not) Rubbing Alcohol. Yes, I love that it's a true disinfect, it's cheap, and the smell evaporate fast unlike vinegar (in my opinion). It also gets those finger prints off stainless steel without causing damage :D

@candicelopez5535 4 года назад

I wish we could get rubbing alcohol

@anagrettel 5 лет назад

am I suppose to stop spending money thanks to your videos, but at the same time buy the products that you advertise that are not really necessary and expensive for the normal household?

@hernanandcatherinetorres3642 5 лет назад

My favorite household product is OXI clean spray for your stained laundry. With a toddler, I feel like I am spraying his clothes everyday to get the stains out. It really works. Would love that mop that she presented, I keep trying to find a good mop with no luck!

@kimberlyperez3000 5 лет назад

Rachel!!! Love your channel. It's so encouraging. We are almost debt free. Keep up the good work. I need to get those wipes. I have an almost 3 year old, and his sticky finger prints are always all over my screens :)

@BonnieHalfElven 5 лет назад

My mom has these cloths - I don't know what they're called, but they are like really thin chamois cloth. To clean glass, you just wet them, wring, and wipe - no soap or any cleaner necessary - and they clean without streaking.

@sarawoodin2590 5 лет назад

Microfiber cloths are my FAVORITE household product. They clean everything and you only need water. I love my streak free windows and shiny sink!

@2000spqr Год назад

Miss Rachel I adore you! Thankyou for this vid! BRAVO!

@mommairwin5900 5 лет назад

Yes, Rachel, my friend! I have been asking for a RC coffee mug since day one! Can I purchase the first!

@kellyespinoza4443 5 лет назад

I really like magic erasers for cleaning practically everything!

@daniellestevens8089 5 лет назад

I like the Duop mop! I love cleaning with vinegar. I especially like using vinegar on my wood floors!

@bcrwc 5 лет назад

Glad I watched, will have to try that stainless steel cleaner and mops. The mops I buy keep breaking with normal use 🤷‍♀️not sure why.

@lindenpeters2601 5 лет назад

Alcohol prep wipes are wayyyy cheaper and will clean your phone and other electronics just as well, and they are also individually wrapped!

@arthurtham007 5 лет назад

One of my favorite household products is the Clorox wipes, because I'm an investor in the company. It's a great way to clean up poop when baby's diaper falls on the floor.

@sarahtham 5 лет назад

Hi Rachel, my favorite household product is blue painter’s tape. I use it to stick photos, encouraging notes, and decorations on the wall above my baby’s changing table. The tape doesn’t damage the paint on the wall, and it’s a quick and inexpensive way to decorate. I love looking at the beautiful display while changing diapers.

@CarrieVandever 5 лет назад

my favorite household product - Mrs. Meyers Lavender Multi-purpose - we all have to clean so why not make it smell good as we do it. Makes me okay with cleaning more surfaces then 1 or 2. Kids loving it too.

@sarahfromtexas 5 лет назад

I just bought the concentrate! It smells so good!

@alishacolbert3050 5 лет назад

I love Bar Keeper’s! That stuff is awesome! I also love Lysol Wipes.

@stacycreates22 2 года назад

I need a root canal after a filling. It was unexpected and I’m in pain, so yes that is urgent and will take up my emergency funds

@catladylife 5 лет назад

Hello Rachel. All of the products seemed very helpful. I would like to try the Bar Keepers Friend because I've heard a lot about it but have not tried it. It would be awesome to win the whole package and try them all. Thank you for all you do

@miriamivette9612 3 года назад

Amazing you are amazing I'm learning alot with you Rachel Cruze ❤ amazing congratulations

@chelsijones3059 5 лет назад

The ziplock space bag would be amazing for a total closet makeover!! Actually just a whole house makeover... we have way too many baby blankets taking up space :)

@BonjourKristiana 5 лет назад

I like the Duop Mop! :) I enjoy watching your show, Rachel!

@michellemybelle22 5 лет назад

Ha! A Louis Vuitton ad before the video 😂

@hermanatorPC 5 лет назад

The ads you see are tailored to your internet behavior.

@jennydunbar967 2 года назад

Vacuum storage bags to store items you don’t need. If you haven’t got room in your closet you have too much stuff. Sell it and make money. Masking / painters tape works just as well at labelling food, much cheaper for an entire roll. E cloth system using no chemicals, creates no waste for landfill and can be used for cleaning windows, mirrors, glasses and all your screens.! If you really like the wipes for walls and scuffs cut them in half to make them last longer.

@allisonpasson1146 5 лет назад

That Bar Soap looks amazing!

@janejohnson5023 5 лет назад

Please do a detailed video on low waste living. Thank u

@gretteltriana9075 4 года назад

Great video!! You’re so funny Rachael 😊

@aliroman1176 5 лет назад

Love the mop. Is it available on Puerto Rico?

@NewGrowth57 5 лет назад

Bar Keepers friend will also remove sticker adhesive and clean labels off jars!

@13Laynie 5 лет назад

I think I'll pick up that bar keepers friend, that stuff looks great!

@tomnoddle6083 5 лет назад

I just need to stop spending Money on food 🥘

@nicolesanchez9714 5 лет назад

Microfiber cloths!! They not only save you money (I use them instead of paper towels) they clean so much better than paper towels. My furniture has never had less dust and looked so clean.

@asceticfeminine 5 лет назад

Umm, if you overspent the clothing budget for your kids that is when you make returns to the store. I've learned that rearranging my budget to compensate for my lack of discipline ALWAYS backfires. Taking money from my own clothing budget to pay for my kids clothes- I will end up splashing bleach on my favorite blouse, or I'll get a huge hole in my leggings. Something always happens.

@talisad5412 5 лет назад

I use freezer tape and sharpie markers to mark leftovers and food going into the freezer. This is much cheaper than buying fancy post it notes and a roll of tape lasts a long time.

@deborahborlam6718 5 лет назад

My favorite household product is Lysol disinfecting wipes.

@nancyelizabeth843 5 лет назад

Just buy all youer cleaning products at doller stir and live on nothing but rice and beans

@MsRileeGirl 5 лет назад

This episode was so amazing! their story was so inspiring! I’m just starting out my emergency fund and sold a lot of my clothes and items around the house - it feels good! The household products we probably use most in our place is glass Tupperware! I find it at TJMaxx for pretty inexpensive!!

@stephanie.treanor 5 лет назад

My favorite product on the show was the mop that stood on its own!

@04harvest 5 лет назад

My favorite product? Oxi Clean for sure 👍🏻

@PenniP 5 лет назад

Simple Green.....AMAZING!

@jkpropertymanagers 4 года назад

Cool

@IlliniPicker 3 года назад

Alot of times we spend money to fill voids in our lives.

@freshviddage21 5 лет назад

I think my favorite product is the stainless steel cleaner!

@Dani-ys7ut 4 года назад

Not sure if anyone has mentioned this but baby oil is so good for stainless steel!!!!👍

@ajo8083 5 лет назад

My favorite products are white vinegar and essential oils.

@MrsButtercup26 3 года назад

Congratulations 🥳

@brittanynewbold1378 5 лет назад

Rachel, you and the rest of the Ramsey Solutions family are incredible inspirations to me. Thank you so much for doing what you do. My favorite household product has to be the Magic Erasure! I've actually used them many times to get scuffs off paint (or marker, pen or paint...I also have two little girls) in the past. I've not heard of the Behr wipes until now, so I'm really excited for those!

@tommy11sixorozco9 5 лет назад

all my shoes i buy like 60-80% off tho lol (just last friday i bought some new Kyrie 4's ! lol )

@aw8758 5 лет назад

This isn’t telling u how to save it’s just what products to buy

@7UnityOne 5 лет назад

I love to use Norwex cloths, cleaning products, towels, etc. They reduce chemicals in our daily lives and are very $ saving products. With 2 year warranties and 60 day refund policies. You can't go wrong. Wonderful products. Thank you for this show.