What to Do When Your Budget's Not Working


Transcript

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- All right, you guys.

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It's a very uncertain time right now

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because of the coronavirus and everything

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that's being affected,
whether it's your health

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or your money.

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The world is just, it's
insane right now. It's crazy.

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But one thing is true,

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that I believe in the
American economy enough

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to tell you that we are going to be okay.

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I promise.

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We are going to be okay.

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There is hope still when
it comes to your money.

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Now, there are things
that we cannot control:

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what goes on statewide or in Washington.

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But there's a lot of things
that we can control.

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And what we can control is what happens

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in our homes and our personal finances.

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So, making sure that we
don't make decisions

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based on fear, but on facts.

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So, this spring, all of the episodes

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of The Rachel Cruze Show were shot

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before all of this happened.

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And you'll see that I was
pregnant during it too,

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and I'm not anymore.

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But it still works. I
mean, all of the content

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in these episodes, they still ring true.

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So, no matter what is
happening in the economy,

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things might be a little bit
harder at times for sure,

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but I hope this content brings you hope.

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I hope it brings you life.

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And I hope it brings you
some really great tactics

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to help you with your money.

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So, here's today's episode.

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Have you started spring
cleaning your house yet?

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What about your budget?

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(upbeat music)

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(upbeat music)

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(upbeat music)

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All right, spring is in the
air, and it's nice outside—

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not too hot yet.

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And I'm still pregnant.

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Just kidding. Okay, we've said it before.

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We taped some of these episodes in advance

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so that I can be out on maternity leave

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enjoying my sweet baby boy,

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so there's just a few more of
these pregnant episodes left.

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So, soak it in, people.

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Soak it in.

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But this week I'm really excited

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because we're gonna talk
about your favorite, you guys—

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spring-cleaning! That's right.

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And not just spring-cleaning,

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but also spring-cleaning your budget.

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I'm going to talk to someone
who cleaned up their budget

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and their whole life by paying off $16,000

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in just nine months so far. Incredible!

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And I've partnered with Woman's Day

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to show you some fun ways
to keep your life organized,

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which Lord knows I need.

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All right, so let's dive in.

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I know a lot of people think of a budget

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as something that limits freedom.

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I know this because I was one of them.

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But just like getting all the old clothes

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out of your closet and into a yard sale,

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or finally Marie Kondo-ing your kitchen,

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there is a sense of relief once it's done.

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So both spring-cleaning and budgeting

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can actually give you freedom and space

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to do more of what you want to do.

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So, here are three tips for
spring-cleaning your budget.

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Number one: Tackle one area at a time.

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Just like when you clean out your house,

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it's easier to pick one
small room to get started

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and go after it.

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And once that task is done,

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then you go on to something larger.

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And the same is true with your budget.

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Don't focus on saving for retirement

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and funding kids' college,
and paying off debt—

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all of these things at once.

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It can get overwhelming so quickly,

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so start with Baby Step 1.

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Get $1,000 saved for an emergency

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and then tackle each Baby Step from there.

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Now, for a video on all 7 Baby Steps,

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click the link in the show
notes to check it out.

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Number two: Start with a small task.

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If you begin organizing your bedroom,

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you know it's best to start
somewhere small and simple,

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like cleaning out a drawer
just to get yourself

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in the groove, get some progress going.

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You know, you feel good, you do.

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And the same is true when
you're paying off your debt,

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so that's why we recommend
the debt snowball.

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This is where you target
one debt at a time

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starting with the smallest.

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Get those small wins.
It keeps you motivated

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and keeps you in the process.

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And last but not least, number three:

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Don't be afraid to rearrange.

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Sometimes you just need
to rearrange a room,

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and it looks brand new.

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And the same is true with your budget.

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I recently had to rearrange our budget

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because our water bill was so high.

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It was like $100 high, mmm hmm, yep.

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Turned on the irrigation
system, bad choice,

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like all the things.

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So we got the bill, and
we were like oh god!

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So then I opened up EveryDollar,

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and I just started pulling
$20 from different categories—

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like babysitting, clothes,

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each of the girl's categories
got some money taken out,

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miscellaneous—just to
find this water bill.

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And it was great, though, because Winston

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has EveryDollar on his phone,

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and so it just updates live. And boom—

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we're both on the same page.

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So, if you've not looked at EveryDollar,

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you guys, you have to check out this app.

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It changes everything, seriously.

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Click the link in the show notes.

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Now notice, when I got
the high water bill,

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we didn't just pull the
money out of savings.

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We took our budget and rearranged it

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so that we could fund that bill.

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So that's a game changer too.

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All right, next up, let's
talk about that scary drawer

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no one wants to open.

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(piano music)

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You know, that scary drawer
with like all the rubber bands

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and pencils and matches,
like a bunch of other stuff

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you don't use anymore?

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The junk drawer.

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(sighs) Sometimes you just
need to open that sucker up

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and clean it out.

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That's what Winston
and I have been doing

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the last, probably three weekends.

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We've literally gone through
every inch of our house,

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and we've started purging,
because we're moving.

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And so we're taking on this
whole different mindset

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of like, okay, do we want this?

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Do we want to take this to our new house?

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One of my good friends
moved into a new house,

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and she said that she took each item,

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and she said, look at the item and said

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does this item deserve to be
in my beautiful new house?

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And I was like, I love that!

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That's my filter.
I looked at my dish towels,

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and I was like, do you deserve
to be in my new kitchen?

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No, you don't.

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Towels that we got 10 years
ago from our wedding registry

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that are brown and red, you do not deserve

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to be in my new bathroom. No!

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So like, we're like
looking at stuff, and I'm like

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I'm purging, I'm purging.

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But some stuff, you're like okay, no.

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I can take you. I will take you.

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But sometimes it just takes
looking in the places

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you just never look.

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I mean, isn't it crazy?

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We opened up a drawer,
you guys, these like,

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these doors opened up
and there was just files,

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just files, and we looked,

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and it was like 10-year-old files

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with like random bills,
and like water bills,

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and all this stuff.
And we're like, what is this?

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So again, the places in your house

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that you just never open up, open them up,

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and the same is true with your money.

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Look at your budget and use this filter.

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Ask yourself, okay, does
this budget category

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not only deserve to have
this much money in it,

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but also do I just need to rearrange

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and open up other parts
of our financial life

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and get it all out on the table?

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(sighs)

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Feels good. Because when you clean up,

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even your house and your budget,

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things just feel better.

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They do, yes.

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All right, coming up next is a couple

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who paid off $16,000 in nine months

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by cleaning out their
house and their budget.

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Alex and Todd, thank you guys
so much for coming on the show

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and sharing your story.

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- Thank you so much for having us.

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- Absolutely, so this episode is all about

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spring-cleaning, and you
guys spring-cleaned your life

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and your money, and I'm just curious,

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take me back to what was the catalyst

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that caused you both to change the way

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you handle your money.

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- Yeah, it was a Christmas.

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It was right after Christmas of 2018.

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I did a really big no-no.

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We had like $80 in our bank account,

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and I had to tell Todd,

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like, I couldn't hide from it at all.

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So he had to come home from
work, and I had to be like,

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babe, I'm so sorry, but
we don't have any money.

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And we can't pay the bills,

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and I don't know what to do,

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and I was really nervous that he was gonna

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be really, really upset,
but he was so humble,

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and just, you know, like
we're gonna figure this out,

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like everything is gonna be okay.

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And I met with a really
good friend at church,

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and her name is Stephanie, and she gave me

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The Total Money Makeover.

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And she was just very blunt with me,

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and she basically said,

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in the nicest way possible,

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this is kind of your fault,

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this is all of your fault,

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but you are also the solution.

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So...

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- Wow, yeah.

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- And so, I'm so thankful
that I had a friend like that

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I need, and it was the
exact words I needed to hear

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at the time.

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So, when I got the book,
24 hours later I was done.

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And I told Todd all
about it, and I was like

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this is what we have to
do, and this is totally

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what we're doing, and he was like,

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uh, yeah, let's do it.

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Let's just do it.

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So then we laid everything
out on the table.

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We pretty much went
through our bank account

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with a fine tooth comb.

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I mean, we, everything.

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What were we spending on eating out?

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What were we spending on groceries?

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What, I mean, what were
little things that we found

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that, like a subscription
that we just forgot to

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cancel. We found a few of those,

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and that like freed up like
$30 a month in our budget.

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- So you guys, I mean,
it was really out of

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kind of this desperation, you would say,

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like $80 left.

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- Yeah.

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- And it was like something has to change.

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Okay, Todd, what did you think

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when you came home from
work and she was like,

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listen, this is our reality,
this is what's happened.

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What did you say, what were you thinking?

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- Like she said,

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we just, we needed, we both knew that

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something needed to change.

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I knew that, and I knew that freaking out

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wasn't really gonna help anything,

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so I just said we need to figure this out.

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We can figure it out together,

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but we've gotta, we've
gotta make a change here.

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- You guys really worked
as a team, you would say.

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Like you guys kind of locked arms,

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because where before
it was more you, Alex,

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doing all the money stuff obviously

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because Todd wasn't aware that there was

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only $80 left. So you guys

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worked more as
a team, would you say, on

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the other side of it.

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- Oh yeah, we, I mean
now we sit down together

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and we're literally
doing a budget together,

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and it's just funny
that we're talking about

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spring-cleaning because

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the week afterwards when
we talked about the plan

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and how we were gonna do the plan,

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Marie Kondo came up with
her tidying up episode.

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- Oh yeah?

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- And I watched it, and the whole house,

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everything, everything that either A,

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did not bring me joy,

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or B, we have not used, was getting sold.

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And Todd actually came
home from work one day

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and all of his clothes
were in a pile on our bed,

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and I was like, I need two garbage bags.

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I don't care what is going,
but I need two garbage bags,

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and Todd likes to hold on to some things.

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So he actually had three garbage bags.

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He had two that were okay,
you can get rid of/sell,

0:10:46.490,0:10:50.540
and then he had a small
Walmart sack of camp shirts

0:10:50.540,0:10:53.450
from when he was a kid that he had to keep

0:10:53.450,0:10:55.406
but that don't fit him.

0:10:55.406,0:10:56.890
- They're going up in my man cave.

0:10:56.890,0:10:58.630
- Todd, I'm with you.

0:10:58.630,0:11:01.966
I have college sorority
shirts that I'm like,

0:11:01.966,0:11:03.330
it's near and dear to my heart,

0:11:03.330,0:11:04.670
I get it, Todd. I get it.

0:11:04.670,0:11:05.503
- Absolutely.

0:11:05.503,0:11:08.100
- I don't get it, but I put them in a bag,

0:11:08.100,0:11:10.140
very nicely folded them,
and now they're in—

0:11:10.140,0:11:11.780
we call it the Todd Tote.

0:11:11.780,0:11:13.520
- So hilarious.

0:11:13.520,0:11:15.605
- But yeah, we sold everything.

0:11:15.605,0:11:17.070
- So how much money did you make

0:11:17.070,0:11:17.950
from selling all your stuff?

0:11:17.950,0:11:20.160
Because we do, we tell
people sell your stuff

0:11:20.160,0:11:22.583
to pay off debt, fund your
emergency fund, everything.

0:11:22.583,0:11:25.270
- I would say it was around $500.

0:11:25.270,0:11:28.150
It funded like half of our emergency fund.

0:11:28.150,0:11:29.129
- That's amazing.

0:11:29.129,0:11:30.630
- And you know, we got the kids involved,

0:11:30.630,0:11:33.160
and you know, our little
ones really took to it.

0:11:33.160,0:11:35.440
You know, I would have them
hold it just like Marie Kondo

0:11:35.440,0:11:36.870
and I was like, does this bring you joy?

0:11:36.870,0:11:39.460
And my littlest, who is three years old,

0:11:39.460,0:11:41.630
she was like, no.

0:11:41.630,0:11:43.168
And I'm like, perfect!

0:11:43.168,0:11:45.630
(laughing)

0:11:45.630,0:11:46.810
- Something else we can get out of there.

0:11:46.810,0:11:47.750
- Yeah.

0:11:47.750,0:11:48.583
- That's awesome.

0:11:48.583,0:11:49.970
So you did talk about
kind of spring-cleaning

0:11:49.970,0:11:52.040
your budget itself, not just your house,

0:11:52.040,0:11:53.740
and you mentioned like subscriptions

0:11:53.740,0:11:54.827
that was saving you like, what?

0:11:54.827,0:11:56.112
$30 a month?

0:11:56.112,0:11:58.480
- It was like $30 a month
that we just forgot,

0:11:58.480,0:12:00.300
that, you know, we just forgot to cancel.

0:12:00.300,0:12:03.430
And like I said,
kind of like Marie Kondo,

0:12:03.430,0:12:06.400
we just laid all the
accounts on the table

0:12:06.400,0:12:08.350
and then we sifted through that

0:12:08.350,0:12:09.630
and we kind of started from there.

0:12:09.630,0:12:12.630
Like okay, what is a normal grocery budget

0:12:12.630,0:12:13.610
for a family of six?

0:12:13.610,0:12:15.110
Let's start from there.

0:12:15.110,0:12:16.820
And I feel like, ever since then,

0:12:16.820,0:12:19.150
we've always been spring-cleaning our budget,

0:12:19.150,0:12:21.150
because we're always looking for ways

0:12:21.150,0:12:23.140
to downsize it.

0:12:23.140,0:12:25.950
You know, recently we got
rid of all paper towels,

0:12:25.950,0:12:28.380
because with four kids,
we're just using paper towels

0:12:28.380,0:12:30.149
like it's going out of style.

0:12:30.149,0:12:31.350
- Oh, girl, me too. I get that.

0:12:31.350,0:12:33.080
- Yeah, so we got rid of them,

0:12:33.080,0:12:35.360
and now I bought dollar store wash cloths,

0:12:35.360,0:12:37.020
and we just continue to rewash them

0:12:37.020,0:12:38.940
so now we don't buy paper towels anymore.

0:12:38.940,0:12:41.327
We're trying to get on the like glass

0:12:41.327,0:12:44.980
paper plates wagon, but
it's just really hard.

0:12:44.980,0:12:48.325
And I just, those dishes every day.

0:12:48.325,0:12:49.158
(laughing)

0:12:49.158,0:12:50.440
I'm trying. I'm trying.

0:12:50.440,0:12:53.270
- No, y'all went down to
the nitty gritty in this.

0:12:53.270,0:12:54.640
I mean, that's what's amazing about it.

0:12:54.640,0:12:57.350
So Todd, what was the
hardest thing that you guys

0:12:57.350,0:12:59.568
have cut out that you were like,

0:12:59.568,0:13:03.090
aw man, that's a sacrifice, you feel it?

0:13:03.090,0:13:05.192
- I think the paper towels were actually

0:13:05.192,0:13:07.219
pretty hard on both of us, that was...

0:13:07.219,0:13:08.052
(laughing)

0:13:08.052,0:13:10.850
Took a bit of work, but it was good.

0:13:10.850,0:13:12.090
- Yeah, absolutely.

0:13:12.090,0:13:15.040
So you guys are in the
thick of Financial Peace University

0:13:15.040,0:13:16.320
right now. You're in the middle of it.

0:13:16.320,0:13:19.130
So tell me about like your goals.

0:13:19.130,0:13:20.310
You guys want to be debt-free.

0:13:20.310,0:13:21.520
When is that gonna happen?

0:13:21.520,0:13:23.210
Like, what are you guys working on now?

0:13:23.210,0:13:25.620
- Yeah, when we started,
we were like aw man,

0:13:25.620,0:13:27.743
we could be debt-free, you
know, by the end of March,

0:13:27.743,0:13:30.330
or not, I'm sorry, by the end of 2020,

0:13:30.330,0:13:32.040
like we can do this. And then,

0:13:32.040,0:13:33.637
when we really started doing it

0:13:33.637,0:13:35.670
and our snowball really started rolling,

0:13:35.670,0:13:37.900
we were just like oh my gosh,

0:13:37.900,0:13:41.330
we can be debt-free by like March of 2020.

0:13:41.330,0:13:43.610
And it was just like eye-opening,

0:13:43.610,0:13:47.080
and that just like is
a driving force for us

0:13:47.080,0:13:49.500
to continue to do what we're doing,

0:13:49.500,0:13:54.500
and we led the FPU at our
church in the new year.

0:13:54.900,0:13:56.070
- So you guys were coordinators.

0:13:56.070,0:13:56.967
- Yeah.

0:13:56.967,0:13:57.800
- Oh, that's awesome.

0:13:57.800,0:13:59.330
How was that experience?

0:13:59.330,0:14:02.900
- It was so cool. It was awesome to see

0:14:02.900,0:14:06.890
the light bulbs go off
in our friends' minds.

0:14:06.890,0:14:09.820
I mean when they would
watch the, you know,

0:14:09.820,0:14:12.490
second video, because it's all about debt,

0:14:12.490,0:14:15.040
you could just see all
of our closest friends

0:14:15.040,0:14:16.541
like wow.

0:14:16.541,0:14:17.455
Yes.

0:14:17.455,0:14:19.680
We need this in our life.

0:14:19.680,0:14:21.540
And so all of us have kind have been

0:14:21.540,0:14:23.280
cheering each other on, and we created

0:14:23.280,0:14:25.330
a little tight-knit Facebook group

0:14:25.330,0:14:26.880
just between a few of us

0:14:26.880,0:14:28.330
to really help encourage us

0:14:28.330,0:14:30.470
to, you know, not got to Target

0:14:30.470,0:14:34.730
and pay our bills and more.

0:14:34.730,0:14:36.980
So yeah, it was really, really awesome.

0:14:36.980,0:14:39.140
- So great. Okay, so Todd, tell me

0:14:39.140,0:14:41.230
how you guys felt

0:14:41.230,0:14:44.190
pre- spring-cleaning the
budget and the money.

0:14:44.190,0:14:45.550
Like what life was like before,

0:14:45.550,0:14:48.120
and now what does it feel like after

0:14:48.120,0:14:49.480
the fact that you guys are budgeting.

0:14:49.480,0:14:50.640
You're paying off debt.

0:14:50.640,0:14:51.920
Like, what's the difference?

0:14:51.920,0:14:54.763
- Oh, it's huge. It's a huge
difference. It's awesome.

0:14:55.730,0:14:58.700
Before, again, we were,
like we said, we just

0:14:58.700,0:15:00.560
were spending money on a lot
of things we didn't need.

0:15:00.560,0:15:03.290
We were eating out or
getting coffee or whatever.

0:15:03.290,0:15:04.950
You know, just little
things that you don't notice

0:15:04.950,0:15:07.410
as much, and as soon as we got onboard,

0:15:07.410,0:15:08.800
like she said, first thing we did was

0:15:08.800,0:15:10.840
we scrubbed our bills, scrubbed our budget

0:15:10.840,0:15:11.850
and our bank account,

0:15:11.850,0:15:14.340
and just seeing all this
stuff that we didn't need.

0:15:14.340,0:15:16.470
And so now, looking back,

0:15:16.470,0:15:18.100
it's like we had all this extra money

0:15:18.100,0:15:20.024
that we were just throwing away basically,

0:15:20.024,0:15:22.740
that we could have spending
on things that were important.

0:15:22.740,0:15:23.573
- That's so good.

0:15:23.573,0:15:25.390
And we always say that when you budget,

0:15:25.390,0:15:26.470
you feel like you got a raise.

0:15:26.470,0:15:27.570
Would you say that that's true?

0:15:27.570,0:15:28.820
- Oh my gosh.

0:15:28.820,0:15:30.640
I remember, we did our first budget,

0:15:30.640,0:15:34.190
and I was like, we have
X amount of dollars!

0:15:34.190,0:15:36.680
(laughing)

0:15:36.680,0:15:40.220
And he was like, that's what
happens when we're not...

0:15:40.220,0:15:41.327
- Yes.

0:15:41.327,0:15:42.640
Ah, I love it you guys.

0:15:42.640,0:15:46.060
Well, you are seriously
like the best story

0:15:46.060,0:15:47.780
of what it looks like to be quote, unquote

0:15:47.780,0:15:49.620
normal in America with your money,

0:15:49.620,0:15:51.400
and then doing some weird stuff,

0:15:51.400,0:15:53.500
like spring-cleaning your budget,

0:15:53.500,0:15:55.320
paying off debt, funding
your emergency fund.

0:15:55.320,0:15:56.170
All those things.

0:15:56.170,0:15:58.740
You're doing weird stuff, but the results

0:15:58.740,0:16:00.410
are what's absolutely incredible

0:16:00.410,0:16:01.800
and you guys are just living testimony

0:16:01.800,0:16:03.560
that when you put your mind to something,

0:16:03.560,0:16:05.210
and you actually take
ownership like you said

0:16:05.210,0:16:06.300
your friend said,

0:16:06.300,0:16:08.930
you did this, but you have the control

0:16:08.930,0:16:10.940
and the ability to change everything.

0:16:10.940,0:16:12.970
And you guys took that on
and took that seriously.

0:16:12.970,0:16:15.160
Now your sweet little four girls

0:16:15.160,0:16:16.850
are gonna have a different life because

0:16:16.850,0:16:18.450
of what you guys are doing today,

0:16:18.450,0:16:19.850
and I just think it's amazing.

0:16:19.850,0:16:22.950
So thank you so, so much for coming on

0:16:22.950,0:16:24.190
and sharing your story.

0:16:24.190,0:16:25.170
- Thank you so much.
Thank you for having us.

0:16:25.170,0:16:27.080
- Yeah, this is awesome.

0:16:27.080,0:16:28.560
- You guys are amazing.

0:16:28.560,0:16:29.780
Well, coming up next,

0:16:29.780,0:16:31.830
we've been talking about
spring-cleaning your budget.

0:16:31.830,0:16:33.550
Now we're gonna talk about organizing

0:16:33.550,0:16:35.023
other parts of your life.

0:16:38.440,0:16:41.310
Family is one of the most
important parts of my life,

0:16:41.310,0:16:43.500
and making sure everyone is taken care of

0:16:43.500,0:16:45.210
is a top priority.

0:16:45.210,0:16:47.400
That includes more than
just meal planning,

0:16:47.400,0:16:49.510
entertaining the kids, and taking care of

0:16:49.510,0:16:51.240
all the day-to-day needs.

0:16:51.240,0:16:54.310
That's why I recommend
having life insurance.

0:16:54.310,0:16:55.550
Now, when you're shopping for it,

0:16:55.550,0:16:57.900
you might wonder, should
I get term life insurance

0:16:57.900,0:16:59.540
or whole life insurance?

0:16:59.540,0:17:02.290
I always recommend term insurance.

0:17:02.290,0:17:04.070
It's going to save you tons of money

0:17:04.070,0:17:06.460
that you can put toward
paying off your debt

0:17:06.460,0:17:08.440
and funding your emergency fund.

0:17:08.440,0:17:13.000
For a 30-year-old male, a
20-year, $250,000 policy

0:17:13.000,0:17:16.380
would cost just $15 a month for term life.

0:17:16.380,0:17:19.190
However, the same policy for whole life

0:17:19.190,0:17:21.990
would be $190 per month.

0:17:21.990,0:17:23.940
That is a huge difference.

0:17:23.940,0:17:26.410
Winston and I use Zander Insurance.

0:17:26.410,0:17:28.530
They do all the work
for you by finding you

0:17:28.530,0:17:32.490
the best prices and options
customized to your needs.

0:17:32.490,0:17:34.390
To learn more, call Zander today

0:17:34.390,0:17:36.270
or go to Zander.com

0:17:36.270,0:17:39.636
because that's who we trust
to take care of our family.

0:17:39.636,0:17:42.053
(soft music)

0:17:43.150,0:17:46.700
All right, we all know
kids clutter up our lives,

0:17:46.700,0:17:48.730
so being organized is so key.

0:17:48.730,0:17:51.390
So, I brought in Susan Spencer to help us

0:17:51.390,0:17:53.360
declutter our lives when it comes to kids,

0:17:53.360,0:17:54.610
so thank you for coming on.

0:17:54.610,0:17:56.510
- Oh, thank you for
having me. And it is true.

0:17:56.510,0:17:59.430
Children can kind of
create a little bit of mess

0:17:59.430,0:18:00.263
in their paths.

0:18:00.263,0:18:02.200
- Just a little bit. Just a little bit.

0:18:02.200,0:18:05.090
So we actually have three areas
that we're gonna declutter.

0:18:05.090,0:18:07.500
And so the first one
is here in a playroom,

0:18:07.500,0:18:08.810
which is just adorable.

0:18:08.810,0:18:12.820
So playrooms, it's like
the black hole of toys

0:18:12.820,0:18:14.590
is what it feels like at times.

0:18:14.590,0:18:16.020
- Right, and even though
it's a black hole,

0:18:16.020,0:18:17.230
it doesn't mean that you can't put

0:18:17.230,0:18:18.670
some semblance of order in this.

0:18:18.670,0:18:19.503
- Yes.

0:18:19.503,0:18:20.900
- And we've come up with some
really fun ways to do this.

0:18:20.900,0:18:23.860
And you can do this using
everyday household things.

0:18:23.860,0:18:25.840
You don't even need to
go out and buy anything.

0:18:25.840,0:18:27.830
So let me show you a couple of ideas.

0:18:27.830,0:18:30.340
First of all, we have
ordinary kitchen canisters.

0:18:30.340,0:18:32.320
Super easy. They usually
hold beans and flour

0:18:32.320,0:18:33.153
and stuff like that.

0:18:33.153,0:18:34.870
Great for corralling pencils.

0:18:34.870,0:18:35.913
- [Rachel] So cute.

0:18:37.436,0:18:38.950
- Or pipe-cleaners, or any other supplies

0:18:38.950,0:18:39.960
that you want to put in here.

0:18:39.960,0:18:42.620
- And I love clear stuff,
because of like kids toys

0:18:42.620,0:18:43.820
and everything, they're so colorful.

0:18:43.820,0:18:45.293
So you still get, yeah,

0:18:45.293,0:18:46.287
you get the fun colors.

0:18:46.287,0:18:47.120
- A little bit of a decorative moment,

0:18:47.120,0:18:48.480
so that's fun.

0:18:48.480,0:18:50.270
Another kind of a decorative moment is,

0:18:50.270,0:18:52.510
of course, you want to display
your children's artwork.

0:18:52.510,0:18:54.340
You can buy an inexpensive frame,

0:18:54.340,0:18:55.560
but one thing that I love to do

0:18:55.560,0:18:58.500
is just get really fun
plain old clipboards.

0:18:58.500,0:18:59.920
So it doesn't have to be fancy,

0:18:59.920,0:19:01.490
you can mount them on
the wall if you want.

0:19:01.490,0:19:04.130
You can switch them out as they do them,

0:19:04.130,0:19:06.420
so a super fun, super easy and inexpensive

0:19:06.420,0:19:07.512
thing to do.

0:19:07.512,0:19:11.580
And I also find that paints
are very, very messy,

0:19:11.580,0:19:14.490
so one way to corral
paints and try to keep

0:19:14.490,0:19:16.110
the mess factor way down is just get

0:19:16.110,0:19:18.780
an ordinary dish soap container

0:19:18.780,0:19:19.810
and just put paints in it.

0:19:19.810,0:19:21.090
- Oh that's so smart.

0:19:21.090,0:19:23.020
- Super fun, and then you
can just squeeze it out,

0:19:23.020,0:19:25.930
and no fuss, no muss, and
kind of corrals your kids

0:19:25.930,0:19:28.370
and lets them be creative,
but at the same time

0:19:28.370,0:19:29.360
not super messy.

0:19:29.360,0:19:30.193
- Yes.

0:19:30.193,0:19:31.660
We love that.

0:19:31.660,0:19:33.810
Order, we love order around kids.

0:19:33.810,0:19:36.270
Oh, that's so great, and
art supplies, it's perfect.

0:19:36.270,0:19:37.640
Such good stuff.

0:19:37.640,0:19:39.160
All right, coming up next,
we're gonna talk about

0:19:39.160,0:19:41.660
how to organize the closet.

0:19:41.660,0:19:44.520
All right, next place to
organize: kids' closets.

0:19:44.520,0:19:46.920
So we have these really cute bags.

0:19:46.920,0:19:47.753
- We do.

0:19:47.753,0:19:49.240
- I can't wait to hear
all about it, Susan.

0:19:49.240,0:19:51.240
- So I think that kids'
closets are another

0:19:51.240,0:19:53.210
clutter hot spot where stuff really, really

0:19:53.210,0:19:56.160
tends to accumulate. So
our recommendation here

0:19:56.160,0:19:59.030
is to create a series of canvas bags

0:19:59.030,0:20:00.440
with different labels on them.

0:20:00.440,0:20:03.430
We have Homework, Crafts, and
we even have Sports back here.

0:20:03.430,0:20:05.080
And basically give them
to your kids and let them

0:20:05.080,0:20:07.050
run around the house and
collect all their stuff.

0:20:07.050,0:20:08.810
Then they can store them in the closet.

0:20:08.810,0:20:11.240
Or they can take this
around with them as well,

0:20:11.240,0:20:14.690
so homework can go from
the closet to the playroom,

0:20:14.690,0:20:16.440
to the kitchen, wherever
they're doing their homework.

0:20:16.440,0:20:18.110
So it's just a great system.

0:20:18.110,0:20:19.503
So these particular bags
are from Lands' End,

0:20:19.503,0:20:21.540
they're about $40.

0:20:21.540,0:20:24.214
But you can come up with much
less expensive alternatives.

0:20:24.214,0:20:27.665
You can actually just
find regular canvas bags,

0:20:27.665,0:20:30.550
give your kids some Sharpies,
have them decorate them.

0:20:30.550,0:20:32.990
You don't actually have to
do the full-on monogramming,

0:20:32.990,0:20:34.204
but how cute is that?

0:20:34.204,0:20:35.037
- So great.

0:20:35.037,0:20:37.240
Because our stuff, I feel like it piles up

0:20:37.240,0:20:38.530
at the bottom of the steps.

0:20:38.530,0:20:39.363
- Yes.

0:20:39.363,0:20:40.196
- And half the time I'm always like, okay,

0:20:40.196,0:20:42.430
Amelia, the four-year-old, I'm
like just grab a couple things,

0:20:42.430,0:20:43.380
and I'll grab stuff.

0:20:43.380,0:20:44.863
When you have this, you can
already just organize it

0:20:44.863,0:20:45.973
as you go.

0:20:45.973,0:20:48.910
It makes it so easy. I
love it. That's great.

0:20:48.910,0:20:50.510
All right, so next tip.

0:20:50.510,0:20:52.360
I can't wait to go, because I need it

0:20:52.360,0:20:54.780
probably more than all of these things.

0:20:54.780,0:20:56.620
The car. Organizing the car.

0:20:56.620,0:20:58.190
That's what's up next.

0:20:58.190,0:21:00.840
All right, last place we need organization

0:21:00.840,0:21:01.960
is in our cars.

0:21:01.960,0:21:04.870
So there's some great
tips here, I love it.

0:21:04.870,0:21:06.650
- Yeah, I think the car
is actually the place

0:21:06.650,0:21:08.790
that collects the most clutter.

0:21:08.790,0:21:10.480
I was cleaning out my car a few weeks ago,

0:21:10.480,0:21:12.171
and I found a Lego piece from 2010.

0:21:12.171,0:21:13.365
- There you go!

0:21:13.365,0:21:15.210
Story of my life. Story of my life.

0:21:15.210,0:21:17.920
- So the key to success is to
try to corral as much stuff.

0:21:17.920,0:21:19.340
So you want to give stuff to your kids

0:21:19.340,0:21:21.220
before they get into the
car, and then have them

0:21:21.220,0:21:22.230
take it out of their car.

0:21:22.230,0:21:23.730
So the easiest way to do that is really,

0:21:23.730,0:21:25.180
literally to contain them.

0:21:25.180,0:21:27.730
So you could put little craft supplies,

0:21:27.730,0:21:29.740
you can put snacks, you
can fit all sorts of things

0:21:29.740,0:21:31.230
into these little zippered containers.

0:21:31.230,0:21:32.390
Super easy.

0:21:32.390,0:21:35.870
Or even easier, a nice Ziploc bag.

0:21:35.870,0:21:37.400
Everything goes in there, super easy,

0:21:37.400,0:21:39.130
take it to the car, take it back.

0:21:39.130,0:21:39.963
Really fun.

0:21:39.963,0:21:40.900
- Keep it all together.

0:21:40.900,0:21:42.120
- Right, exactly.

0:21:42.120,0:21:43.810
And another way I love to organize things

0:21:43.810,0:21:45.760
are with these cute little shower holders.

0:21:45.760,0:21:47.640
You might see these inside your shower

0:21:47.640,0:21:49.240
or in your bathtub.

0:21:49.240,0:21:51.320
You can put snacks in,
you can put little toys.

0:21:51.320,0:21:53.430
It keeps them contained
so they don't end up

0:21:53.430,0:21:54.263
all over the car.

0:21:54.263,0:21:56.970
- I love it. And the
snacks, it's easy to access.

0:21:56.970,0:21:59.860
Like, to get, because I know
my kids are always like,

0:21:59.860,0:22:01.100
we're hungry, we're hungry.

0:22:01.100,0:22:02.390
And I'm like trying to, I'm driving,

0:22:02.390,0:22:03.600
trying to get them snacks.

0:22:03.600,0:22:04.433
Right, it's all right there.

0:22:04.433,0:22:06.408
- All right there, super easy.

0:22:06.408,0:22:07.241
- Yes, so good.

0:22:07.241,0:22:09.380
Well, all these organization
tips, wonderful.

0:22:09.380,0:22:10.330
Susan, thank you.

0:22:10.330,0:22:11.163
- You're welcome.

0:22:11.163,0:22:11.996
- So much.

0:22:11.996,0:22:13.560
To get more tips and
tricks just like this,

0:22:13.560,0:22:14.970
you can go to womansday.com

0:22:14.970,0:22:17.440
or pick up the latest Woman's Day magazine

0:22:17.440,0:22:19.719
issue on newsstands today.

0:22:19.719,0:22:22.136
(soft music)

0:22:23.153,0:22:25.570
(soft music)

0:22:26.935,0:22:28.940
Oh, that was such a fun episode.

0:22:28.940,0:22:31.320
Thanks so much to Alex
and Todd for sharing

0:22:31.320,0:22:32.630
their inspiring money journey,

0:22:32.630,0:22:35.789
and thanks to Woman's Day for
all their organizing tips.

0:22:35.789,0:22:37.920
I know they'll help me out a ton.

0:22:37.920,0:22:39.560
Now if you're looking for a way to freshen

0:22:39.560,0:22:41.210
up your budget, you may want to check out

0:22:41.210,0:22:42.960
my 14-day Money Finder.

0:22:42.960,0:22:45.070
It might just help you
clean up a few of your

0:22:45.070,0:22:48.090
budget categories and find
some money while doing it.

0:22:48.090,0:22:49.930
And again, that and everything else

0:22:49.930,0:22:51.350
I mention in this episode,

0:22:51.350,0:22:53.560
click the link in the show notes.

0:22:53.560,0:22:55.300
Thank you guys so much for watching.

0:22:55.300,0:22:58.160
Make sure to subscribe to my
YouTube channel and podcast,

0:22:58.160,0:22:59.690
and follow my Facebook page

0:22:59.690,0:23:02.580
for more great money tips.

0:23:02.580,0:23:05.310
And as always, make sure to
take control of your money

0:23:05.310,0:23:07.173
and create a life you love.