Rachel, you are so helpful. You really inspired me. Upon your advice I called around for insurance home/auto/rv and saved $1116.00 a year!!! Thank you so much! Keep up the great work!
Having a plan for your money is important. I share my budget on my channel. Stop by and let me Know what you think.th-cam.com/channels/4nAiCVjZwc8MCZHNrC_KsQ.html
Thank you for the encouragement. I have tried on my own and could not budget. I have to say its only been about 4 weeks into the lessons, I have learned so much!! OMG I was throwing money away I was surprised how much money spent on useless needs.
ohhh that is so helpful to know that ur budget didn't work the first time. my husband and i tried a month and it was a disaster and very discouraging so we never did it again. i didnt know it takes like a few months to get the numbers more accurate and calibrated. i think we'll try again then for a few months at least and see how it goes
Great work Rachel! Love your videos. Just started reading love your life not theirs... I couldn't put it down last night before bed. Looking forward to more of your content. God bless!!
Cancel your Amazon prime. $124 why pay for 2 day shipping when they changed it to 5 or 7 days shipping.. then cancel your phone contract do a prepaid. I saved over $450 in 2 days.. yeah.
Hey Rachel! Thank you for the great shows. Now, because I'm not in nor from the US, my context would be different and yet the tips are still helpful. I was wondering if just like the case of the percentages you give in budgetting, you'd have a percentage or something else (or isn't there anything else?) as far as baby steps and savings tips are concerned. While not having debts, I am wondering what would be the wisest way to handle money in my side of the world (Madagascar), in the light of your principles. Thanks! Keep it up!
It feel great having no Bills and 6 months of cash reserve. It wasn't easy, I used an old fashioned method in that we started to pay ourselves 1st and down sized stuff we had in the house that were collecting dust. We took a very drastic approach and got rid creature comfort items, cars gone! Shopping in Malls gone! Eating out gone! I think you get the picture.
Thanks Rachel! The only thing I would’ve done different was included more boy costumes. I have boys so most of those won’t work. My boy wants to be Bumblebee from Transformers so we got the cheaper of the two Transformers costumes at Walmart for $15
Home Chef is a great way to WASTE money. You could easily make that same meal for far less by just purchasing ingredients at the grocery store. If your Racheal Cruz, multimillionaire, and like to enjoy your money with fancy cooking kits - by all means enjoy! She can afford it! But this is horrible advice for those trying to actually save money and get out of debt.
arthrodea Frankly as a bachelor that never cooked anything when I was young, this is more about learning to cook than actually buying every meal. It’s only a little more expensive than buying the raw ingredients. It’s far less expensive and healthier than ordering to go or making pastas like I was doing.
26:46 hey there! Sadie (she) might have been the one that sent in the twitter message but she mentioned "we" not "she" and you said "she" instead of "we". hashtag #weworkhardsavingmoney.
I think that when the Ramsey kids are talking in a business setting, they call their parents by their real names. At like Thanksgiving dinner they call their parents mom and dad. I think I remember Dave saying that they do this because they want extremely clear lines to separate family and business due to the fact that doing business with your family is known to be very difficult because of those ties that a family has. They don't ever want those lines to get blurred and then ruin their family.
“I love these individual packets.” (Cooking segment) “Make your own snacks...you’re gonna save so much more $$$ doing that I promise.” I like you but this is hypocritical.
Stephen Williams i find that if the major expenses are automated- housing, utilities, savings, etc, the rest is not too bad. I just do $100 per week for consumables (groceries, eating out, soaps, cleaning...anything you can get in a grocery store) and $88 per week for all else (fun, gas, shopping, going out, whatever). For me those numbers work. You can move money from Consumables to Other during the week but you can NEVER borrow ahead from the next week. So some weeks might be $150 for consumables and only 38 for other (the week should always add up to $188 no matter what using my numbers), but then the next week will likely be less in consumables since all the groceries were already purchased. So the next week you might only need $20 for Consumables which makes the Other jump to $168 that week. Or you can stick right with $100 and $88 every single week. Whatever works! It’s the most simple budget ever!! I find that automating most things and then breaking down the small stuff into weeks makes it easy to manage.
Rachel, you are so helpful. You really inspired me. Upon your advice I called around for insurance home/auto/rv and saved $1116.00 a year!!! Thank you so much! Keep up the great work!
I can’t even imagine not having a budget!! You are absolutely right, having a safety net gives you peace of mind❤️
Having a plan for your money is important. I share my budget on my channel. Stop by and let me Know what you think.th-cam.com/channels/4nAiCVjZwc8MCZHNrC_KsQ.html
Thank you for the encouragement. I have tried on my own and could not budget. I have to say its only been about 4 weeks into the lessons, I have learned so much!! OMG I was throwing money away I was surprised how much money spent on useless needs.
ohhh that is so helpful to know that ur budget didn't work the first time. my husband and i tried a month and it was a disaster and very discouraging so we never did it again. i didnt know it takes like a few months to get the numbers more accurate and calibrated. i think we'll try again then for a few months at least and see how it goes
Even then people adjust their budgets all the time
Great work Rachel! Love your videos. Just started reading love your life not theirs... I couldn't put it down last night before bed. Looking forward to more of your content. God bless!!
Switched car insurance 3 times in a month. Saved 140/ month
Cancel your Amazon prime. $124 why pay for 2 day shipping when they changed it to 5 or 7 days shipping.. then cancel your phone contract do a prepaid. I saved over $450 in 2 days.. yeah.
I plan on it! It's on my calendar.
Hey Rachel! Thank you for the great shows. Now, because I'm not in nor from the US, my context would be different and yet the tips are still helpful. I was wondering if just like the case of the percentages you give in budgetting, you'd have a percentage or something else (or isn't there anything else?) as far as baby steps and savings tips are concerned. While not having debts, I am wondering what would be the wisest way to handle money in my side of the world (Madagascar), in the light of your principles. Thanks! Keep it up!
Off topic but note worthy. When paying down credit cards. Call them and request an APR deduction. You’re welcome. :)
Rachel, I need to know where you buy your clothes!
Your sense of style is flawless
@Billy Bob That's your opinion.
I do the snack thing and my family loves it I get any thing my guys like and add it to the bags
I love you videos . It keep me motivated 💓
That’s true...
It feel great having no Bills and 6 months of cash reserve. It wasn't easy, I used an old fashioned method in that we started to pay ourselves 1st and down sized stuff we had in the house that were collecting dust. We took a very drastic approach and got rid creature comfort items, cars gone! Shopping in Malls gone! Eating out gone! I think you get the picture.
love your show
Thanks Rachel! The only thing I would’ve done different was included more boy costumes. I have boys so most of those won’t work. My boy wants to be Bumblebee from Transformers so we got the cheaper of the two Transformers costumes at Walmart for $15
Love your personality 🤗🤗🤗
Awesome!👌
You are so funny! I love watching your videos! Totally make some more recipes videos!!!!!!!!!!
Great episode! A little of everything :)
I love her videos. I send her to my lady friend.
Thank you
She is repeating everything that here father said, But she looks so much better doing it.
😅🤣
What is the best bank to use to avoid fees? Thanx
Vtomorra a credit union. -
Vtomorra credit unions
What's Ro-Tel? Is that the brand name? Is there a generic name for what you're using? I'm in the UK and have never heard of it. Thanks in advance.
Ro-tel is a name brand. It's a can of diced tomatoes with peppers in it. It can either be spicy or not.
How about those who cannot cook due to their beyond realistic job hours or jobs
Imn 27 and I love me budget. 🤓
Hi Rachel!!
Home Chef is a great way to WASTE money. You could easily make that same meal for far less by just purchasing ingredients at the grocery store.
If your Racheal Cruz, multimillionaire, and like to enjoy your money with fancy cooking kits - by all means enjoy! She can afford it! But this is horrible advice for those trying to actually save money and get out of debt.
arthrodea Frankly as a bachelor that never cooked anything when I was young, this is more about learning to cook than actually buying every meal. It’s only a little more expensive than buying the raw ingredients. It’s far less expensive and healthier than ordering to go or making pastas like I was doing.
and its horrible for the planet, everything comes in its own packaging, much more waste
I didn't find your budget app in your drop down... ?
It's called Every Dollar. Find that name in the app store or for you computer, everydollar.com
It’s crazy with this stuff is crazy so that we can see everyone and everything and it’s crazy with this mess is crazy with this is gonna work
26:46 hey there! Sadie (she) might have been the one that sent in the twitter message but she mentioned "we" not "she" and you said "she" instead of "we". hashtag #weworkhardsavingmoney.
okay, am I being too sensitive here? I guess I am. I do tend to point things out.
Do u refer to your mother as "Sharon"!!??😂
I think that when the Ramsey kids are talking in a business setting, they call their parents by their real names. At like Thanksgiving dinner they call their parents mom and dad. I think I remember Dave saying that they do this because they want extremely clear lines to separate family and business due to the fact that doing business with your family is known to be very difficult because of those ties that a family has. They don't ever want those lines to get blurred and then ruin their family.
Curing out animal products really helps a budget out.
“I love these individual packets.” (Cooking segment)
“Make your own snacks...you’re gonna save so much more $$$ doing that I promise.” I like you but this is hypocritical.
27 comments?
Budgeting is highly impractical to follow, its like new years resolutions, after the first month the or so we are back to living free.
Stephen Williams i find that if the major expenses are automated- housing, utilities, savings, etc, the rest is not too bad. I just do $100 per week for consumables (groceries, eating out, soaps, cleaning...anything you can get in a grocery store) and $88 per week for all else (fun, gas, shopping, going out, whatever). For me those numbers work. You can move money from Consumables to Other during the week but you can NEVER borrow ahead from the next week. So some weeks might be $150 for consumables and only 38 for other (the week should always add up to $188 no matter what using my numbers), but then the next week will likely be less in consumables since all the groceries were already purchased. So the next week you might only need $20 for Consumables which makes the Other jump to $168 that week. Or you can stick right with $100 and $88 every single week. Whatever works! It’s the most simple budget ever!! I find that automating most things and then breaking down the small stuff into weeks makes it easy to manage.
Are you really "free," though?
Indeed.
Good luck with that.
Food choice is not healthy