How to Save More Money

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Do you ever feel like your wheels are spinning but you’re getting nowhere? Maybe you’re trying to stick to a budget, get out of debt, and save more money, but you’re having a hard time making it a reality.

 

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Show Notes

Do you ever feel like your wheels are spinning but you’re getting nowhere? Maybe you’re trying to stick to a budget, get out of debt, and save more money, but you’re having a hard time making it a reality.

If any of that sounds familiar, I’m so glad you’re here! In this first episode of The Rachel Cruze Show, we talk about how to save more money fast. I think you’ll see that it can actually be pretty simple and a lot of fun!

And if you know me, you know I believe fun is key. So, let’s dive in!

The Rachel Cruze Show Is Officially Happening!

Yes, you guys, the rumors are true . . . The Rachel Cruze Show is officially a thing! We had such a great time creating a four-episode “test” of the show last summer. Of course, I always hoped we could make it a long-term show—and because of your engagement and excitement, we did! So thank you!

How Do You Stop Spending Money?

Are shows with before and afters your guilty pleasure too, or is it just me? Okay, I’ll admit it . . .  nothing tops The Bachelor, but transformations will always and forever hold a special place in my heart. Especially when they’re about people who are learning how to save more money on a tight budget.

And that’s exactly what we see unfold on today’s episode with Ryan and Nanette. This couple learned how to cut back their spending and the importance of a saving habit.

How to balance spending and saving:  

Does any of this sound familiar?

•Living paycheck to paycheck

•Not being on the same page with your spouse when it comes to money

•Having life throw you a curveball (or maybe two or three)

•Debt making any progress seem impossible

If so, you’re not alone! We’ll look at the steps Ryan and Nanette took to reset their life and get moving in a direction that makes both of them excited for the future, including:

•Starting a weekly budget date night

•Revamping their approach to buying groceries

•Utilizing tools like EveryDollar and Financial Peace University

How-tools-like-EveryDollar-and-Financial-Peace-University-helped-Ryan-and-Nanette-win-with-money

How tools like EveryDollar and Financial Peace University helped Ryan and Nanette win:

If you want to win like Ryan and Nanette—and save more money fast, especially on a tight budget—you need a plan. EveryDollar and Financial Peace University to the rescue! Of course, I’m pretty biased toward these tools, but here’s the thing: They’ve helped millions—yes, millions—of other people. Not just me.

EveryDollar made budgeting a breeze.

The EveryDollar app helped Ryan and Nanette easily create a budget and track expenses right from their phones. They were able to see suggested categories and percentages to get them started. And they can always adjust things as needed to make the budget work best for their family.

Financial Peace University gave them a winning plan.

In just nine sessions, Financial Peace University helped Ryan and Nanette learn everything from how to budget wisely and get out of debt to how to plan for the future and give generously. Plus, they were surrounded by a community of people who were also working to change their lives and money habits! That kind of support and encouragement is PRICELESS!

And, I have to say, the folks who teach Financial Peace University are some of my favorite people on the planet. They’re funny, inspiring and practical. You’ll love it. And, you know, you might even catch a lesson or two from yours truly.

The envelope system helped them save money on groceries.

If Winston and I bust any category in the budget, it’s the one for groceries. The same was true for Ryan and Nanette—until they started using the envelope system! When they made this small change, they immediately started saving money. In fact, in their first month of using the envelope system, they spent $100 less on groceries than the month before!

How-Can-I-Save-Money-Every-Day

How Can I Save Money Every Day?

As Winston and I work the budget each month, we’re always open to new and creative ways to save money. Because—let’s be honest—if we save cash in one spot, then we get to spend it in another!

You can put those savings toward big money goals, like paying off debt, building an emergency fund, or saving for a home or a big family trip. Or you can use them for something small, simple and fun, like going on a date night or getting a new pair of shoes!

In today’s episode, I’ll share 15 quick and easy tips on how to save money each month. Some you may already be familiar with, but hopefully you’ll hear a few you haven’t ever thought of before. They might even involve budget categories you didn’t realize you could save in!

How to Save Money at the Grocery Store

You guys, I don’t completely understand black holes, but I’m pretty sure the grocery store is one. Do you ever go in with a teeny-tiny list in your head and come out with an overflowing cart? Why does this happen? How does this happen?

I’m right there with you. I think it might have something to do with the fact that food just looks so, so good. It’s hard to resist!

To fight this temptation, though, I’ve developed a few habits over the years that help me stay on track with my list and my budget. And on today’s episode, I’ll share them with you! We’ll discuss all things grocery shopping, including:

•How a real list—meaning not just one in my head—makes all the difference

•Why apps like Kroger ClickList, Walmart Grocery, or Shipt are lifesavers

•How planning out meals packs a one-two punch, saving you both money and time

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Meal planning made easy:

Writing out what you’ll eat in the week ahead doesn’t have to be complicated. We’re not making Julia Child recipes in our house every night—or any night, for that matter.

We like to keep things simple. And you can too. Or you can go crazy with it! The idea here is that meal planning should add to your life, not take away from it.

To get started, I usually take a look at the following:

•Our calendar for the week ahead

•What’s in our pantry, refrigerator and freezer

•My favorite recipe websites

That’s it! Then I write out our dinners for Monday through Friday. And since I know we’ll be having pizza at least one of those nights (#realtalk), I only need four other ideas.

Give meal planning a try and you’ll see that a little bit of time and intentionality can go a long way!

Kitchen staples that save the day:

No matter how well we plan, there are just some days that require zero-thought dinners. And there are some weeks in the budget where saving money on groceries might just be the thing that gets you through.

Enter: kitchen staples. Come over to my house anytime and you’re almost guaranteed to find these six items in stock. I can use them as individual ingredients that boost other meals, or I can bring a few of them together for one glorious concoction:

•Taco shells

•Shredded cheese

•Ground beef

•Noodles

•Pizza dough

•Tomato sauce

Join me in my kitchen to learn the (maybe not-so) surprising ways I use these everyday meal savers.

She-Works-Hard-Saving-Money

She Works Hard Saving Money

I hear from so many of you ladies out there who are budgeting wisely, saving money, and getting creative. I love it! And I want to share your stories with the other people in our community.

So, I’m starting a contest of sorts. Hop on Facebook, Instagram or Twitter and tell me about something you worked hard and saved up for in the past or something you’re currently saving for! Be sure to include the hashtag #sheworkshardsavingmoney so I can see it. We’ll share our favorite ones on upcoming episodes! Here are a couple #sheworkshardsavingmoney quotes from today’s episode:

“My husband and I worked so hard to pay cash for Christmas this past year. It’s the first time we’ve ever done that not on credit! It was so incredible!” — Sarah K.

“We saved up for an entire year to have our deck built. [We] took out a window from our kitchen [and] replaced [it] with French doors that take up the entire wall. It was very expensive, but we paid cash for all of it!” — Kelly G.

Incredible! I can’t wait to read more of your smart-saving stories!

What You Can Expect From The Rachel Cruze Show

Oh my gosh, you guys! What a ride. Thank you so much again for joining me on this exciting journey. We have lots of practical tips and fun guests coming up!

New episodes of The Rachel Cruze Show will be available every other week on Facebook, YouTube and RachelCruze.com.

Of course, if you want a low-effort way to stay in the loop—and who doesn’t want that?—just subscribe to my newsletter. I’ll let you know when a new episode comes out. All you have to do is click on the link, sit back, and enjoy!

And remember: Take control of your money and create a life you love!