My husband and I recently decided to hire out 1x month deep clean service. Game changer. We're out of debt and have a house full of toddlers. Worth every penny for my sanity's sake! I also pick up instead of delivery. A tiny bit cheaper, but as a sahm it's a nice excuse to get out of the house a little more. And I still don't have to drag all 3 toddlers into the store :) I love videos like these. I know people can get really judgy about the money spent on luxuries, but some people don't factor in the value of a calmer less irritable parent/household that these luxuries can help with. It's worth every penny if you can swing it.

@MsSimpleMovies

Жыл бұрын

"It's cheaper than therapy!"

Mama Rachel, don’t feel an ounce of guilt for buying back time. You earned it through wise money choices. 🎉 This is SUCH a wise video! I’m a mom of 6, one being 3 months old. I just recently started working from home with digital marketing and customer relations for my hubby’s construction company. Today was the first day I took my mother in laws advice and got a housekeeper. We are starting with once a month where it’s a big cleaning day in conjunction with her. But it’s help I desperately need and I wish I did it sooner!!! (We are BS2, with $4.5K left until BS3)

I love how every family is different. I’m such a homebody that I love doing all my own chores and work at my home,(I hate that I don’t have a lawn to mow at the moment 😂) but I can completely understand how some people value that time for other things. Great conversation!

Thank you for this type of video! We are through the baby steps, we have house pd off too, and I decided that instead of outsourcing I cut back on work (because I don’t love my work) to be home more with my kiddos.

I only had 2 small kids instead of 3, but as a stuggling single mom, I learned that chasing my kids around a park for about an hour before going grocery shopping on Saturday afternoons tired them out enough to calm them down in stores and then promising french fries from Mcd or some similar 'treat' if they were good afterwards made it possible for me to get groceries but made it an enjoyable afternoon for them too. Hopefully this can help others too without having to spend a lot of grocery delivery services

You are so right on these! I discovered Kroger Blue Trucks this year and it's cheaper than Instacart, you just need to book a little longer out, but you have at least 12-24 hours to edit your order before delivery. I've had a house cleaner for 8 years now, once a month. It's enough to make sure everything is reset and the bathrooms and kitchen are properly addressed. I too would gladly sacrifice other categories to have a house cleaner, it brings me more satisfaction than a lot of other luxuries (restaurants, bars, clothes, etc). And an interior designer! It is so necessary when doing a major home renovation or new build!! It's not a luxury, it's part of the hiring process! Unless you're diy-ing everything or have an eye for it, it is just as necessary as the cabinet installer or plumber or whoever else you hire. You are putting a lot of money into your project and you want it done right, so get some help! Interior designers were surprisingly affordable in my area and I couldn't have done my renovation without one. They come with so much design knowledge, PLUS they know which plumbers, cabinet installers, flooring people, etc to hire and not to hire. Invaluable.

Yes!! Working mama you go with your insta cart and your cleaning service! Good for you!

Walmart Plus is a game changer for our family. Yes, it costs $99/year, but I get free shipping, waived delivery charges, and 10 cents off every gallon of gas at most Murphys around our area. Gas alone has saved us $237 this year plus saved me 6 hrs of my time by using pickup or ship to door I spend less when I schedule a pickup vs wondering around the store shopping.

I hire my kids to do chores: dishes, laundry, vacuum, and mop, my girls have been doing all normal chores since like 10 yrs old. They learn the value of hard work and responsibilities.

Thank you for saying it's not being lazy! I feel this way about the chores I have come to resent and fortunately have the means - and lack of debt except mortgage - to hire someone.

Even when I get to baby step 7, I’m cleaning my own house. My wife and I tried 2 different times to hire house cleaning services with poor results. The companies we used had a grade A on Angie’s list, yet, things went missing from our home on both occasions. I’ll keep my 800 a month and live stress free with people not stealing from me.

I'm a single mom and I like doing DIY projects around the house (at least some times). I bought something that has made my life so much easier. It's a second cordless drill!! It wasn't that much money and when I'm putting something together I can use one for drilling pilot holes and the second as a cordless screwdriver. That way I don't have to stop each time and switch out the drill bits. It saves me so much time each project. Highly recommend this shortcut.

You deserve it ! You are in baby step 7. It is very encouraging!

I agree with saving time having someone else shop for you , especially when you have kids. I do Walmart pick up on my way home from work. Game changer. Cleaning my apartment takes up so much of my time and gives me anxiety when it’s not clean. I would love to hire help but it’s not in the budget for me. Maybe some day. This was a nice video. Makes you think 🤔

@iamthomasgreenman

Жыл бұрын

Walmart pickup is a godsend! 😂 and the home cleaning is totally fair, luckily for me we’re still family planning so my home cleaning is meditative for me at this time. If I was in your shoes I can’t imagine I’d enjoy picking up after all my kiddos as much lol

I think you hit it out of the park here! I have such a hard time hiring help! We’re out of debt but I don’t know why I can’t take that step. I need to get over it!

Please do more like this! I need ideas

Bless you

Ask others for help. Yessssss

Regarding grocery delivery: This is a contentious point for me right now. My family does not have a car and are on an extremely tight budget. I get delivery because I have to, but it presents me with challenges such as substituted and shorted items, where entire chunks of my weekly meal plan can be obliterated by simply not having the items I need. While it may be a time saver, it certainly isn't advantageous in other areas for me.

@iamthomasgreenman

Жыл бұрын

Totally understand this! Our car was in the shop for a month and we relied on grocery delivery but they constantly forgot stuff. I wish I had a suggestion that was useful, but keep your head up and work hard! Hope you and your family find yourselves in a better situation soon!

@spellbindery1

Жыл бұрын

​@@iamthomasgreenman having worked Instacart for a short while I don't know how things were forgotten. I'm not saying it didn't happen, but each and every item is on the list and must be accounted for. I had to contact people about missing product. it seemed more often than not people would not answer. Then again, maybe the driver found a way to bypass the customer contact requirement in the app? Or maybe it was another service.

@iamthomasgreenman

Жыл бұрын

@@spellbindery1 I honestly couldn’t tell you which service it was getting picked up through, but truth be told I think it was less about the drivers and more about the people picking the groceries at Walmart. I appreciate their work but there had been a few times that things just didn’t come in correctly.

@spellbindery1

Жыл бұрын

@@iamthomasgreenman fair enough. A lot of cogs in the process.

Groceries delivered by Walmart, if it is available in your area, is free.

So glad you spoke of this today. I spent 12 years after med school (started med school at age 38!) getting out of insane student loan debt by doing the baby steps - and the baby steps WORK. I became super thrifty and shopped at Goodwill for clothes and drove my paid off car for 23 years. But the real discovery is that by accepting and performing the activities that led me out of debt, I was setting myself up in later life to be able to choose what I wanted to do to buy back my time. For me, that is a house cleaner once a month (we don't have kids or pets so that is about right) and yard service maybe monthly. We definitely did grocery delivery during the worst of COVID but were able to halt that. The real point of my reply is to say that it is the judiciousness that developed during the baby step time (way back in my rearview mirror, I have been out of debt since 2006) that lets me be able to afford the services I feel are of value. Life is definitely enhanced by outsourcing certain tasks and chores that I previously did that I have the option now not to have to do myself.

My wife had a good point, that maybe millionaires shouldn't be replacing the suspension rods in their own washing machines. I hadn't considered that, but It can't cost much to hire out, and it saves us half a day of complaining/fighting, which could ruin a weekend.

Rachel must have a pretty big lawn if it takes 2-3 hours to mow each week! Hehe😅

I’m starting to be more health conscious with foods and exercising more, so I joined a grocery subscription service to have organic products shipped to my house. Saves me tons of time than going to the store and waiting in long lines. I’m willing to invest in clean foods and making room in my budget to have quality goods.

Thanks for sharing awesome tips. I'm financially free and currently growing a solid retirement plan. It takes a positive and consistency to learn new things, unlearn the old habits is important to get a mentor/coach to lead you all the way. It's great to start young too!

@NicolasCunha77

Жыл бұрын

The current market slump is in fact proof that a surprisingly large number of people were not sufficiently aware of the underly i ng finan c ial processesss at work.

@elenadoherty7944

Жыл бұрын

Since these market uncertainties have gotten the better of me in 2020 and left me holding worthless positions in the market,I no longer depend my market judgments and decisions on hearsay and rumors. Instead, I use the advice of a finan cial ad visor to completely overhaul my port-folio.

@tombarclay108

Жыл бұрын

who is this individual guiding you? I lost over $9000 just last week, so I’m in dire need of a. finan cial advi-sor.

@elenadoherty7944

Жыл бұрын

Well, I invest with Rahul Gupta. He's Regulated and verified by top Regulatory bodies in the final sector. He's an active Investor and risk analyst. He has been helping me for some time now and this is how I've been able to achieve consistent profits. He's an exceptional trader

@elenadoherty7944

Жыл бұрын

And he happens to be on an easily accessible platform which provides better 1 on 1 dialogue experience with clients.

These are all money money money in the budget. No line in the budget. Must follow budget 😂

I agree with this video. However it makes me laugh because there was another video last week or earlier this week that was kind of contradicting this video in saying that you spend more on grocery delivery. It is highly important to consider money margin vs time margin and what value that would add to your life for the expense. My dad would mow the grass all the time. It may have been an enjoyable chore for him or maybe he was just doing it to "save money" but overall I think he would lose money as he could have paid the neighbor kid to do it for $25 or something. I'd say that's a could return on your purchase if that takes a couple of hours.

For me it's Amazon, I buy everything I need on that. I started to pay a company to clean my house. Because I was full of doing it. I also don't do my taxes. I prefer to do what I want when I want to and how I want to. Then doing all thoses things. I want something to eat. Sometimes I use Uber eat. If my wife would not go to Costco I would use instacart. I don't want to go there anymore.

Don’t get a target credit card they ship free over $35 you can do a drive up and include groceries if you want. I’ve done that to ship a $5 item free.

I would get a second job just to pay someone to paint my house! We buy back our time by having our cleaned and yard mowed. So worth it!

❤❤❤

What a bummer… I love spending my time doing all that stuff 🤣🤣🤣

You think Dave cleans his own bathroom with about $600 million? He would say yes he does if asked. 😆

♥️⏰👀💯

By selling your lawn mower, you are missing an opportunity to teach your children to take on a household task and generate work ethics.

@fabmontreal25

Жыл бұрын

Especially if getting out of debt lol

@iamthomasgreenman

Жыл бұрын

Exactly why you can’t raise kids in apartments or condos, they grow up with no work ethic!

@stevenporter863

Жыл бұрын

​​​​​@@iamthomasgreenman There is work ethic and also self discipline. You can do those anywhere, don't need a lawn for those. You think no successful people grew up in an apartment?

@PickledHam

Жыл бұрын

I started mowing the yard on a riding mower at age 6. I had to stand up to reach the gas pedal. I think I enjoyed doing it. Of course that has been like 50 years ago now I hate mowing the grass.

@staceyculver4892

Жыл бұрын

Pretty sure her kiddos are all too little to be learning how to operate machinery like that. Plenty of other ways to teach work ethics besides mowing the lawn.

If I had a time machine I'd run from my two ex wifes.

After you complete all the steps you'll be able to enjoy your money and do things that bring value to your life.

I would add order from Uber Eat or whatever. Instead of cooking for hours. Train at home instead of going to the gym. Just count how much time you save by doing the same thing at home. Make your money work for you instead of working more hours or even days. Buy a dishwasher. So you just press a button. The list could be endless. More I get older, more services I will have from companies. Now I have snow removal and two cleaning ladies that come every two weeks. It's not that I can't do it. I just do not want to do it anymore. I prefer to do something else with my time.

I do grocery pick up and use paper plates to buy back my time. I wish I can do house cleaning...hopefully in a few more years. I have 3 small kids also...but so far those have been worth is for me and my husband.

My dad and I have a cleaning lady who comes about once a month and my dad has a Target card. We also had our yard done last year cuz my dad had hip replacement surgery last spring and didn't wanna do it once he recovered from it. As for the rest of your tips, nope not doing it.

I'm sorrt but if you earn 2600 a month in no way I am going to pay 800 for my home to be cleaned....

Ehhh this was kinda a rich person flex video, tbh. Not really the same tune of inspiration and gritting your teeth/pushing through adversity as other videos on the channel. Most of us are here because we're treading water in debt or, like me, endless sinking funds with medical.

@adanaranaa

Жыл бұрын

EXACTLT DUDE!!! THIHS IS THE RICH JUST BEING RICH WITHOUT KNOWING

@AspiringInterpreter

Жыл бұрын

So this video is for people after baby step 3. That's okay. Most of her stuff is about getting out of debt, but she can make stuff for those who have made it out the other side

@huntergreene7306

Жыл бұрын

We can see it as aspirational if we choose

@candy2325

Жыл бұрын

This video is not meant for you because of your current situation. Once you get your ahead above water then you can flex and do things like suggested in the video if you please.

@anya8221

Жыл бұрын

After you complete all the steps you'll be able to enjoy your money and do things that bring value to your life.

Amazing video and thank you for breaking it down!! Despite the economic downturn, I'm so happy have been earning $ 60,000 returns from my $7,000 investment every 10days..

@JessicaMadilyn

Жыл бұрын

Her trading strategy is also working for me at the moment. I'm pushing it already up $50,000 in profits so far...

@preachersdaughterss

Жыл бұрын

This is the kind of information that We don't get from most KZreadrs will get in Touch with her right now.