0:05

What? if you had an extra thousand

0:08

dollars in your budget this month? There

0:10

are ways that you can save, start

0:12

finding money and your budgets possibly where

0:14

you least expect It may take them

0:17

sacrifice over to work, but you can

0:19

do it. Hey

0:22

you guys. That welcomes of this episode

0:24

of the Rachel Crusoe podcast. I'm so

0:26

glad that you're here, so in this

0:29

episode will chat about how you can

0:31

easily save a thousand dollars and a

0:33

month to reach her. Money goes faster

0:35

than attacked or five. Creative date and

0:38

ideas that are budget friendly and actually

0:40

enjoyable. But first I want to share

0:42

a Three Wells building Hacks that anyone

0:44

can use successfully Take a lesson. Okay,

0:47

I'm sure we all grew up hearing

0:50

the phrase slow and Steady wins the

0:52

race and. Nowhere. Else am I live. Have

0:54

I seen that to be more true? Than.

0:56

With money now. of course there are

0:58

some exceptions and like overnight success stories,

1:00

but Ninety Nine Persons harm is something.

1:02

seems to be too good to be

1:05

true. It probably is. So today I

1:07

want to talk about some anti. Get.

1:09

Rich, quick schemes and talk about three

1:11

money habits that anyone can use to

1:14

build wealth successfully. And stay tuned for

1:16

number three because it's one that very

1:18

few people prioritize and I want to

1:20

make sure that you know about these

1:23

because man, this is a good run.

1:25

Our first and foremost, the number one

1:27

way to build wealth is through your

1:29

income. So out Ramsey We always say

1:32

your income is your most powerful wealth

1:34

building tool. You guys is so true.

1:36

a change in income could mean a

1:38

change. Your. Monthly budget which means more

1:40

margin which means well, more momentum as you

1:43

work towards your financial goals. And also when

1:45

you keep your income, that's something that's going

1:47

to help you. When that for then it's

1:49

going to help you pay off debts and

1:51

rid of that car payments to save up

1:54

for an emergency fund to buy a house.

1:56

Whatever your money goals are getting your income

1:58

to you and not too. That and

2:00

gets her friends hum up his shoes

2:02

in the process out for the few

2:04

ways as you can do this number one

2:06

of your content with your current job

2:08

and you wanna say have a conversation with

2:11

your leader but what your options are

2:13

to get a raise or a promotion

2:15

for the future sees the people in

2:17

your community needs to know what your

2:19

goals ours they can help partner with

2:21

you three sons know that you're working for

2:23

something similar to as your client word

2:25

is it for filling and also isn't paying

2:27

you a salary that's helping you win

2:29

with money. Consider possibly a career pivots

2:31

is once you start refining that resume

2:33

and researching and reaching out to a

2:36

few connection you might get a fresh

2:38

wave motivations and a help launched you

2:40

into the job market with some other

2:42

growth opportunities about their and number three

2:44

if you have a solid main source

2:46

of and tom but it's as isn't

2:48

cutting it the maybe consider a side

2:50

hustle for period of time and again

2:52

this to be some food delivery personalize

2:55

that photography says and by these a

2:57

baby sit a couple weeks time for

2:59

friends and family. Of whatever it

3:01

is, try to get sir and come

3:03

up and getting your income up as

3:05

a game changer and just because again they

3:07

are in some that doesn't mean you

3:09

have to spend every day and his

3:11

lifestyle creep. It is a real

3:13

things with three. have a plan for that

3:15

extra pass and budgeting is one of those

3:17

things. I recommend every dollar. It's a budgeting

3:20

and it's fantastic. I had some great resources

3:22

on that acts as succeed show you how

3:24

to budget masers I set out. Now it's

3:26

like about the such a way to build

3:28

wealth which is through investing. Investing in retirement

3:30

is one of his symbolists as a festive

3:33

ways to set yourself up for the future

3:35

Now is really important. You don't rush this

3:37

phase you soon. So when a mixer as

3:39

you are in a place for investing money

3:41

is wise I want. You to be completely

3:43

other debts except for your house and have

3:45

a fully funded emergency fund of three to

3:48

six months of expenses. Then once you do

3:50

that, then you can find fifteen percent of

3:52

your income into retirement against any getting all

3:54

your ducks and roads. May three, you're in

3:56

a place where fifteen percent of your income

3:58

can go to that. You have no

4:00

payments. And. You have a fully funded

4:02

emergency fund and then uses Experience Compound

4:05

Interest. Rates and things that

4:07

are a few weights as you can go

4:09

about their when you're looking at that it

4:11

seem of your income is retirement. This could

4:13

be towards your four o one K or

4:15

for a three be your Roth Ira is

4:18

or to great vehicles and exams retirement investing

4:20

in. the sooner you can start the better

4:22

off going to be because twenty thirty years

4:24

on the road you're gonna lose happened I

4:27

miss you aren't and includes retirement I wanna

4:29

retire since when is this look like an

4:31

easy to look at those numbers. This is

4:33

an amazing things as you started decades before.

4:35

And the problem is a lot of people wait

4:38

to ladyman of never too late start where you

4:40

are but the idea is again the earlier he

4:42

has or it's a better offer gonna be and

4:44

I wanted to be able to again track the

4:46

progress So the unfit a link from investing calculator

4:48

down below is I suspect that out because you

4:51

can type in some your numbers and get an

4:53

idea of how much you want to be investing

4:55

per month. the third world building have it is

4:57

one that very few people prioritizes and he will

4:59

die even realize that this is an option but

5:01

that is paying your health of early. So for

5:03

a lot of people their housing payment is. Are

5:06

large expense everything a month but imagine how

5:08

much money you would free up and your

5:10

budgets and then your life if you didn't

5:12

have a mortgage payments for not only the

5:14

paying off her home and creature network they

5:16

also gives you a level of freedom when

5:18

it comes your money that is truly amounts

5:20

of when you have no payments in the

5:22

world. It is amazing and we have found

5:24

of the average baby step millionaire pays off

5:26

their houses as ten years. To

5:28

find out what your time I looked like

5:30

you him go it's the mortgage pay off

5:32

a calculator of go through and puts the

5:34

numbers and into think that's how quickly fab

5:36

hey my work is off and if you've

5:38

made some major financial progress I should assume

5:41

that in the comments because civil love hearing

5:43

that. So good you guys There's some ways

5:45

that slow and steady wins the race when

5:47

it comes to building wealth, long term answer

5:49

and some see you want to go to

5:51

you know debts and also look at which

5:53

you can up is investing it's huge and

5:55

paying off her house and using your house

5:58

payment. Towards your future. Version of the Bay. A

6:00

pain. Being

6:05

free to make your own medical

6:07

decisions is a big the of

6:09

Christian helped her ministry's less December

6:12

says the providers a say once

6:14

without worrying about network. Find out

6:16

more it seats ministry's.org last Budget

6:19

ch miniseries.org class classes. Are

6:24

you guys? Sixer at this with me.

6:26

What if you had an extra thousand

6:28

dollars in your budget this month? I.

6:30

Mean where would you do what would you

6:33

choose? I've had a margin. it's amazing the

6:35

maybe use it to put towards your student

6:37

loan debt to pay off. maybe you'd added

6:39

to your health fund A viewed in best

6:41

some other half of his throat the thinking

6:43

fun for a summer vacation. I mean the

6:45

possibilities are endless and no matter what your

6:47

finances was like I know there are things

6:49

as you want to have and goals as

6:52

you annoyed seats. for today I thought it

6:54

would be fun to share for ways as

6:56

you can easily save thousand dollars and just

6:58

one month and never for the actually trending

7:00

on. Tic Toc Right now the ground for

7:02

been severed set limits are with that sense

7:05

it is one that doesn't require a son

7:07

of a media lifestyle chains and we're not

7:09

have a little tough love later on. But

7:11

what if I told you that you already

7:14

had an extra thousand dollars laying around. Yep!

7:16

A Sip number one it's to sell

7:18

items around the house of A again

7:21

start out small as you can put

7:23

on your favorite so or podcast and

7:25

the through a little closet clean out

7:27

some of you already thinking but like

7:29

all my clothes or I don't have

7:31

anything nice to sell online make it

7:33

a go for yourself to find that

7:36

as five clothing items as you could

7:38

sell on past month some brand that

7:40

zoo really well are made well target

7:42

Free people, Nike, Patagonia, and if you

7:44

don't have a closet full of high.

7:46

End close. That's okay but you can

7:49

make some money by selling was you

7:51

have and then from there is on

7:53

fire. maybe was injured serie a be

7:55

your shoes and know anything around and

7:58

say okay I can do that. And

8:00

after your closet reed said think about some

8:02

other items as you could sell may be

8:05

an old laptop or a nice camera. you

8:07

can even put a piece of furniture on

8:09

face like market place winners. so much as

8:11

you can do whether it's a garage sale

8:13

or talking to friends and family. A when

8:15

my co workers that literally does a closet

8:17

failed twice a year and she makes several

8:20

hundred dollars every hands up and he becomes

8:22

the take A way to save a thousand

8:24

dollars a month requires a little bit more

8:26

satisfied that the good news is it's only

8:28

temporary as September two. To. Do a

8:30

know eating out challenge for

8:32

months. Before. He a freak out

8:34

and loans you literally only four weeks

8:37

qaeda as if. You. Are you can

8:39

do that? Most. Of you had to

8:41

Christmas decorations up for several that a

8:43

message time you can do anything for

8:45

just the season is is for one

8:47

month say no to delivery services or

8:49

six meals and sakara going out to

8:51

eat just say now and again guy

8:54

requires and strategy and planning to trust

8:56

me that savings or blow you away

8:58

you have no idea how much the

9:00

to being and delivery season of sizes

9:02

and everything's is absolutely to add that

9:04

when you could just make some grilled

9:06

cheeses and but some fruit on the

9:08

side and vivid so. I'm you can

9:11

do this Now That role warmed up

9:13

with I phone number three and this

9:15

one will require the most effort. Upfronts

9:17

Fell once you're in a groove at

9:19

your forgets that it was ever not

9:21

part of your life and that is

9:23

a side hustle and let me to

9:25

say right off the bat and know

9:27

you're busy, you're tired or so many

9:29

priorities pulling as you in life other

9:31

than just work when stuff it's going

9:33

on I get it. But I would

9:35

also argue that the most important and

9:37

yet remember is that when you're working

9:39

towards the financial. Goal: Nothing is permanent

9:41

amount as he used to work a

9:43

million jobs forever and ever am. I

9:45

even ask you to work multiple jobs

9:47

every day. But what if you got

9:49

a small, manageable side gig? Discern a

9:51

little kass on the weekends or if

9:53

you work hybrid and your home a

9:56

couple days and he took a few

9:58

of those nights and added of. And

10:00

job seeker make and twelve dollars an

10:02

hour Nine six to eight hours Since

10:04

a month bringing an extra two hundred

10:06

dollars or you could drive for uber

10:08

lives you could have a baby sitting

10:11

your friends' kids as a my monthly

10:13

date night you can share by your

10:15

home organization business on Instagram are applied

10:17

for a Targets you get a discount

10:19

like whatever you're already doing Caesar's Lazy

10:21

Taxi monetize that hockey or it was

10:23

animated them before and this is the

10:26

buyer. Old said that going on right

10:28

now and this is something that I've

10:30

been preaching since day one and that

10:32

sucked sucked. Scenes finally caught on and

10:34

afford way to find your exit. Thousand

10:36

dollars and your monthly budget is to

10:38

do a subscribe since heck there a

10:41

challenge going around right now. The people

10:43

are guessing how much by the Fc

10:45

spans monthly on fees and subscriptions and

10:47

then they're going through. Their spending has

10:49

strayed to double check themselves as the

10:51

Okay was actually back. And. You

10:53

guys people are finding and rid of

10:56

extra dollars they didn't even know they

10:58

were throwing away to a new subscription.

11:00

One girl quit teasing three years ago

11:02

and was still paying for a curriculum

11:05

serve as as. Another

11:07

guy didn't realize that he could have

11:09

been watching zulu. Because. He was

11:11

paying for it for six months and never

11:14

used as accounts out. Don't get me started

11:16

on the serious nine Nine Nine charges from

11:18

Apple that we all deal as but. It's.

11:21

Not says for the first since you

11:23

guys that you're not using. One of

11:25

my team members recently deleted her amazon

11:27

app to still experiment and she ended

11:29

up saving more than a hundred dollars

11:31

on things that she could use. But.

11:33

Isn't really nice against. Think.

11:35

About this a permanent. Basis.

11:38

You know, open handed a little bit you

11:40

know just for the plot. As for like

11:42

a little things going on or at the

11:44

end of the day it's always good to

11:47

make small tweaks because those things really will

11:49

make a big impact and are countless more.

11:51

hard as you can do on the fourteen

11:53

day money find or that the thing that

11:55

I created and it so help. For fourteen

11:58

days you go through a cast iron. For

12:00

my other emphasis is.com to access

12:02

that tool and start finding money

12:05

in your budget again. possibly really

12:07

six. So you guys are ways

12:09

that you can say make the

12:11

sacrifice over to work as you

12:14

can do it. And

12:20

guys as your debt free with three

12:22

to six months of expenses saves in

12:24

it's time to start investing. This is

12:26

one of the most powerful tools for

12:28

wealth building so you need to be

12:30

doing that. but I know Kindle. Overwhelming

12:32

and confusing and many of you have

12:34

so many questions in a do start

12:36

with your to college fund or your

12:38

nest egg. So much since you invest

12:41

and where is our all great questions

12:43

and having a solid investment plans are

12:45

confident and will help you make the

12:47

right decision. That's why would a tell

12:49

you about a brand. New Tonight Virtual

12:51

Events with Dave Ramsey. It's called Investing

12:53

Essentials on May Twenty First and Twenty

12:56

seconds. Dave will be unpacking everything you

12:58

need to know about investing and retirement

13:00

from Four O One K is and

13:02

needs or funds to real estate's user

13:05

wants from anywhere and even summit questions

13:07

for days and for live. I want

13:09

you to feel confident and you're under

13:12

things as you can be confident in

13:14

your future. Early bird tickets sorry I

13:16

just one hundred ninety nine dollars. Get

13:18

your that? Ramsey's loosens. Dot Com/and

13:21

best with Confidence

13:23

of Ramsey solutions.com/invest

13:25

with confidence. You

13:29

ever feel like the relay says of

13:31

your life are getting responsive really fast.

13:33

I mean, a cost to be social

13:35

doesn't it? People have holiday parties? Are

13:38

they going to go under threat? threads?

13:40

Are a little kid? birthday parties? or

13:42

whatever your community looks like? It's important.

13:44

To invest in other places apps. And

13:46

still have boundaries around your money

13:49

and I would argue that sometimes

13:51

this is even more difficult when

13:53

it comes to the romantic relationship

13:56

and your life since hopefully just

13:58

one so safer dating. Engaged

14:00

or married Whenever you people are

14:02

deciding to be a team on

14:04

how they spend money to be

14:07

tenants receive a listen. You.

14:09

Can come together and fc agree on

14:11

this because what if I told you

14:13

that uses Have Fun Date Nights said

14:15

don't have to end up breaking the

14:17

bank that you can actually do it

14:19

when you're saving money said Sam sharing

14:22

site Creative Date night at our budget.

14:24

friendly and will sit Emily fun and

14:26

number five involved. Not one but two

14:28

ways to get a free babysitter. Some

14:30

states is the first. Cheap date night

14:33

requires a little bit of paperwork but

14:35

trust me this isn't a boring tasks

14:37

that are doing for your. Boss's boss

14:39

praises of Paperwork Hill actually benefits you

14:41

in the long run. An idea Never

14:43

one is a plan for a teacher

14:45

Vacations if you have a significant other

14:47

than sets I'm aside and says to

14:49

be you have out which trip you

14:51

would take make a list of everything

14:54

you want to do when you get

14:56

a destination you know some links on

14:58

a good google.in Mesa pincers bored out

15:00

of some cause shelves look it's are

15:02

thinking signs of those who need to

15:04

save and kinda planning it's together actually

15:06

can be really fun and when you

15:08

do these tasks. Third, Something and really

15:10

specific discussed in respect of are dreaming

15:12

to me what the future and as

15:14

the end you actually end up having

15:17

a game plans are going to work

15:19

for So it's as a pretty Sunday

15:21

night or it's a second seed. Sunday

15:23

idea is that to go that are

15:25

sore and by as easy read what's

15:27

together of Hegarty Feel the hostilities in

15:29

the comments section. So if you don't

15:31

have a Dvd player or laptop with

15:33

the Dvd slots don't worry it's his.

15:35

But if you do again guns that

15:37

are saying it's candy is unless. It's

15:40

some of the movies and are on sale

15:42

and once of home again you can rent

15:44

one of those unassuming service if you once

15:46

you, but the idea is as you have

15:49

a limited selection when it comes to the

15:51

Dvds. Okay, because if you're like me, even

15:53

to scroll and scroll and scroll through hundreds

15:55

of absence of what to watch. this way

15:58

you're getting out of the hell. You

16:00

can some sweet treats and you might see

16:02

celebrities like On my Ass or by some

16:05

of these as a really cheap or round

16:07

pick one out and the murder? go home

16:09

and rent but either way you're limiting your

16:11

off since you're not sitting there and scrolling

16:14

was helpful. Number three, I might make you

16:16

a little bit emotional. He lives his strength

16:18

last years and years. And there's

16:20

the all the things but being the

16:22

Celtic I think it's one of the

16:25

best ways and lives to says enjoy

16:27

the moment because when you look back

16:29

to like we're creating new memories you're

16:31

in the present. The looking back it's

16:33

always fun. So the third it seems

16:35

a nice idea to take a trip

16:37

down memory lane and go back and

16:39

look for your old pictures together. now

16:41

obviously you to do this in your

16:43

smartphone but I think it's actually fun

16:45

when you dig up old photo albums

16:48

and us to look at real sixers

16:50

and conversations. That com because you see

16:52

yourself cel fifteen years ago and it's

16:54

hilarious of fine. it's the right. So.

16:57

If you find it a really fun boxers

16:59

posts on those Me: It's hardly because I

17:01

think like going back again. Five, ten, Fifteen

17:03

twenty years. It's so funny as he said

17:06

them: Authority cheap date night. It's Vital Bookstore

17:08

or the Book Of since I target and

17:10

pick out a series of books for each

17:12

other and now hear me out on bail

17:14

on as if you hate three because this

17:16

actually isn't you reading books of. Hey, it's

17:18

as if. Hold. Sides but here's

17:21

where the list come then go and

17:23

with a few problems for each other

17:25

like she's a book cover that messes

17:27

up my vibes of as soon as

17:30

a verb with a title like ago

17:32

and my instagram bio says a book

17:34

that if you. Saw your

17:36

I go. I bet money that they've

17:38

already read this and I'm telling you

17:41

it's has the zero dollars but you

17:43

walk away with a sword conversation, a

17:45

few inside jokes or to and is

17:47

so fun I add from it's my

17:49

fifth cheap date night idea consists of

17:52

two ways to score free babysitting and

17:54

I'm all about fair pay a babysitter

17:56

rates is days. yeah I mean. Doubled.

18:00

I feel like a any sense of

18:02

us are a and then going out

18:04

so is a few options. Is again

18:06

to help you. It's as if your budget

18:08

is tight of first tagged as to ask

18:10

help from your community. So if you have

18:12

in love and town or if your kids

18:14

have an aunt or uncle nearby they just

18:16

love or even if you have to choose

18:18

friends who have offered to watch your kids

18:20

because they don't have any of their own

18:22

right now lean on pupil in your circle

18:24

who are willing to help you out so

18:27

obviously security software and to send expect. People.

18:29

To drop everything to pick up your

18:31

parents' responsibility. But for the most part

18:33

is there are people out there who

18:35

know that you're being really money on

18:38

says and you need a breather. Ask

18:40

them if they be willing to help.

18:42

I'd September two it's to do a

18:44

swap. Date nights says you have friends

18:46

who that priorities are similar to yours.

18:48

Then you can say hey we don't

18:50

wanna swap st night. One. Night

18:52

she will come over and watch their kids

18:55

the next night they can return the favor

18:57

and saw that communicating or needs and leaning

18:59

on your people I think it's such a

19:01

good idea and as you have little kids

19:03

like other kids. Sometimes. To treat for

19:05

the kids do they want to be as

19:07

other kids and it's open. Dad's the on

19:09

as there are so many more ideas that

19:11

you can add the less and so uses.

19:13

has to be creative and if you have

19:15

ideas from in the comments below going with

19:17

your spouse and know he hates are going

19:19

through it's height season when it comes to

19:21

money and are saying we're really going to

19:23

double down he sort of a patriot six

19:25

you could have enjoyed Sunday nights out says

19:27

get creative but if you need some direction

19:29

and guidance for you and your spouse or

19:31

Feather Mutharika Ramsey sources that com and click

19:33

on the baby. Steps and you guys together

19:35

to be working a plans for financial freedom

19:38

because and tell you this whole process isn't

19:40

a game changer for near my house like

19:42

some some money and once you guys have

19:44

those fools of well so what does give

19:46

you some food I just gave for cheap

19:49

say nine is you know love still in

19:51

the air sell as you love this so

19:53

it makes sense to leave a review the

19:55

can hear your feedback of really of this

19:58

our allies and while you're at it. You're

20:02

from the Mayor wants his efforts, have

20:04

an accountant the funding and saving and

20:06

thank you guys again so much for

20:09

listening and remember as take Control. Of

20:11

your money and free lunch.