I am 19 years old, still living at home, no car payment etc. But I have taken out at $10,000 student loan. Seeing all of these people with normal lives fighting their way to financial freedom has inspired me to go on this journey as well. Why would I not do it while still in my parents home. I'm so excited to make this commitment to be different and get out of that $10,000 student loan. Baby step #1 here I come!

@daveyjoneslocker4703

5 жыл бұрын

Briana Guajardo what’s the student loan for?

@brianaguajardo6268

5 жыл бұрын

@@daveyjoneslocker4703 For my cosmetology school

@jenniferikelman5516

5 жыл бұрын

Good for you! I wish you luck.

@joangoodings2169

5 жыл бұрын

Go for it.

@mark.daniel

5 жыл бұрын

Hi Briana! My name is Mark, and I'm a member of Rachel's team here at Ramsey Solutions. Thanks so much for sharing your story! It's so exciting that you've made such a smart decision so early. Our team has created goal trackers to help you visualize your progress as you work through each step. You can find them on rachelcruze.com/show. I hope those are helpful for you. Let us know if there's anything we can do to help and encourage you on your journey!!!

Hi Rachel I just became debt freeeeeeeeeeeeeeeeeeeeeeeeeeeeeee!

@harrygolfen704

5 жыл бұрын

i also paid off my bills recently through a link provided by a trusted friend , reliable and safer for clearing all debts related issues ,contact airprohackers @ gml

@Locomaid

5 жыл бұрын

Congrats!

@christinekleinschmidt4676

5 жыл бұрын

Khaledh Tejannee well done!

The sense of peace is worth every sacrifice. I am debt free and love every minute of it as a retired person with a fixed income.

I just have to stay away from the stores, otherwise I will spend on unnecessary things! I'm doing a no spend November and so far so good!

@tamarajohll5735

5 жыл бұрын

Sounds like a nice plan I don't know if I could do that though

@mark.daniel

5 жыл бұрын

Hey there! My name is Mark, and I'm a member of Rachel's team here at Ramsey Solutions. I just wanted to say that I can TOTALLY relate. I only go to Target when I have a very specific list of things that I actually need, and not just things I want. (just one example!) I'm also super curious about what you mean by a no spend November. Can you share a bit more??

@vivianp5962

4 жыл бұрын

Im tbe same way. I havs fo put my money in the bank before i spend it. Im trying a no spend month soon as soon as i get some bills paid, etc.

@kimkirksey562

3 жыл бұрын

That's me...stay away from the stores....2021...I am doing one day at a time...

To be truly money saving - toss all these 'products' and use a cloth with water - works just as well and its not trying to sell anything. Unbrand our lives from corporations who try to sell us things! Vinegar, baking soda and water! I love the Dave Ramsey program but I am not sure about the product placement in this episode.

@dianechoate2906

5 жыл бұрын

M VG these product companies are sometimes sponsors. .

@tiffanylikestodance4452

5 жыл бұрын

Way less wasteful as well 👍

@vanginmi

5 жыл бұрын

Hi Diane, That is sort of what I am getting at. The video is entitled 'How to stop spending so much money' and the video promotes buying items that truly are not needed? A reusable cloth and some basic non-branded products would do the exact same job. It doesn't really sit right with me. Disposable, phone screen cleaners - seriously?

@desiree2086

5 жыл бұрын

I don't feel like they were sponsers.. I mean there are ads during the video from Zanders etc. Which I don't mind btw. But the products mentioned don't really go with the title of this video. Vinegar and microfiber cloths can do a lot.

@ninagetsit5543

5 жыл бұрын

I agree! It was confusing to see this video seeing three minutes in, you're being encouraged to buy something. I think this would've fit a different theme. Rachel, what's up with this?

My favorite product is vinegar for cleaning anything in the home, it's safe, natural and chemical free, also very affordable!

@nickfrassinelli6483

5 жыл бұрын

It's not chemical free. It's a mixture of ethanoic or acetic acid with water.

My favorite household product is my all-purpose Cleaner! It’s 2 cups distilled water, 2 tbsp Castile soup, and 10 drops orange essential oil! Works wonders!

@catherineholcomb4488

5 жыл бұрын

This is a better tip than the ones above!

@s.b.5591

5 жыл бұрын

I’m taking this! Thanks

@SanciJ

4 жыл бұрын

Me too!!! I use that or Thieves--one bottle lasts me at least 6-8 months, and is all purpose too. #cheaptricks

I have 2 saving accounts. 1 is 3 miles away and 1 is local. I put something in both of them by standing order and get it updated occasionally. If you don’t see the money go in you’ll be less likely to draw it out.

Wait. What? How to stop spending. You need to buy these products. Not helping.

@robe8607

3 жыл бұрын

My thought exactly! Also the term phrase "these make your life better". Not if you're in debt and part of your budget is going to products no one needs. So sad there was no mention that these are all "want" items and there is no reason to buy them until you're on at least step 3.

@ligmadick3401

3 жыл бұрын

Lol yes, I feel like tnis channel is more about how to spend money.

@Ms-Jones

3 жыл бұрын

My thoughts exactly

@readerbabe1984

3 жыл бұрын

I don't feel like the ads are a big deal. Maybe they should not have been there. However, if you are aware of it then you can still get something out of this video.

@marcilk7534

3 жыл бұрын

@@readerbabe1984 Oh, I didn’t mean the ads. I was talking about her video.

These tips for saving money actually all look like spending money to me! Hate to by debbie downer but buying disposable wipes and ziplock plastic bags and heavy duty post it notes? All those things just add to plastic waste and consumerism in general.

I thought I’d learn something watching this but I was wrong. Space bags? Post it notes on food? Product placements and commercials for life insurance, followed by promoting her seminar. Spend money on the items she gets a kickback on... no thanks.

The cash envelope system helps me stay on budget so much. Also not using the emergency fund for things that are not emergencies. Having a plan makes everything so much less stressful. It can be hard but it's so much better now than it used to be. One of my new favorite household products is the swiffer dusters. I underestimated how easy it would make dusting. I love it.

This is my first time watching Rachel’s videos. I usually watch Ramsey but I like her. She seems really relatable and down to earth

Hi Rachel, my family just finished vacationing (which we saved for ahead of time). We had no debt that followed us home from vacation, which is great. However, I realized that much of the money I spent on vacation was on gifts for others (a little something for my office mates, a thank you for watching the house, picking up the mail etc...) Do you think you could do a video some time on how to get away from the obligatory souvenir/gift without hurting peoples feelings or disappointing them. Thanks!

@courtneydebian

5 жыл бұрын

good one

I love Bar Keeper's friend. I was at my daughter's house last night and helped clean up the dinner dishes. I asked my son-in-law if they had any. They didn't. They have lovely stainless steel cookware that looked sad. I know what I'm picking up at the store for them!

My favorite household products are super simple: baking soda and vinegar. Simple, clean, natural and oh so good!

Thank you for this video Rachel! It was so needed💕

I seriously love you and Dave!!!! I just started watching a month ago!!! This has changed my life!! And how I look at spending money!!! I need to take the FPU classes !

I love having a cordless vacuum for quick touch ups on the floor and Weiman’s glass cook top cleaner for my stove. As a spender, thanks for this episode!

Favorite product, ziploc vacuum bags. Yay to envelope system! I've always thought higher income is the solution to paying off debts until I discovered the envelope system at my most financially challenging time, it taught me discipline and gave me the will to make it to baby step 4 and moving forward!Thanks to Dave Ramsey and your Channel...

My favorite household product is my Tide pods. I used to hate having to use powdered or liquid laundry detergent, which were so messy! Now it's fun to wash my clothes by just throwing in the pod, then my clothes and pushing the start button on my washer. Easy.

I love the Magic Eraser, especially for tiny toddler hand prints! Thanks for the great tips on this show!

If it's not broke don't fix it! My favorite household products micro fiber clothes especially norwex.

my favorite inexpensive household cleaner is vinegar!! But I can't wait to try the bar keepers and behr wipes in this video! Great episode Rachel - I love the segments that have practical tips

My favorite household cleaning product is Clorox wipes. They are so versatile and convenient! Great show, Rachel! Melvin and Danielle were very encouraging to see. My husband and I are where they started.

I was really surprised she was promoting those products on a video of how to get out of debt.

@SISSYKAY

4 жыл бұрын

Me too. Especially since this is my first time here checking out this budget channel. I would not buy any of those products anyway. Maybe this channel is not what I expected. Trying to get us to spend money?

thank you Rachel, you, your father Dave, Chris Hogan advocate personal and financial responsibility and it's wonderful to find a program that talks about it. We need more people like you teaching this stuff and motivating people to be debt free and take responsibility by living on a plan/budget.

Still love the swifter for quick cleans between full vacuum/mop sessions!

Great show Rachel! My fav product is Swiffer dusters! But I also love using my DIY products like homemade floor cleaner: water, vinegar, peppermint essential oil. Floors sparkle and house smells amazing. Did I mention it’s also cheap and environmentally friendly? Bonus!!

for several years I have kept a month by month spreadsheet documenting what we had in the bank, what we brought home in our paychecks, what bills we paid, and what we spent after bills.... one thing missing was other necessities such as one time bill payments, gas, and groceries. this past year I finally got it dialed down to catch those one time bills and everything we spent on gas and groceries each month. using this info I was able to calculate what we have left after bills, gas, and groceries and I was able to set a spending limit to where we could still clear an average target amount each month. I'm hoping this method will help me get my car paid off 2 years early this coming year.

My NEW favorite household product: windshield washer fluid. Okay I can hear the confusion! A few weeks ago after it snowed (yes snow in October!) I noticed my windows needed cleaning but regular window wash would freeze at 20 degrees F. But windshield wash doesn't! No streaks and I can wash my windows all winter!

Yes! I am all about considering the opportunity cost of each of your expenses and potential purchases.

My husband and I have done financial peace university and until know it didn't stick so I am working hard at saving money again. Thank you karyann

My favorite household product is the Tide pen!! Whoever thought that up deserves a medal.

I DEFINITELY LOVE THOSE BEHR WIPES! MY 5 YEAR OLD HAS MADE A MESS OF OUR WALLS AND I THOUGHT WE WOULD HAVE TO RE- PAINT BUT NOT ANYMORE!

My fav household thing is Kirkland baby wipes! Use them for quick wipe down of surfaces, faces, and sticky fingers.

We love using Bon Ami- the powdered version of Bar Keeper's Friend to clean our stainless steel pots and other kitchen items! We're working our way through baby step 2- about 90k of student loans left to go, but we're thankful for budgeting and Financial Peace University. We're coordinating our second class in February, hoping to help other people along on their financial journey! Thank you for all you do Rachel!

The envelope system really truly saves us every month! Keeps you in line!

Alcohol prep wipes are wayyyy cheaper and will clean your phone and other electronics just as well, and they are also individually wrapped!

Thanks for this great video! I'm definitely a spender and I needed to hear this. My favorite household supply has got to be my little handheld vacuum. My kids are constantly making messes and instead of hauling the big vacuum around I just grab my handheld one and have them vacuum up their mess!

I love my micro fiber cloths! And that mop you featured that stands up on it’s own?! Where’s that been my whole life?! 💗

Swiffer dusters scented is my favorite product. The extension one. You get cobwebs up, dust stairs and corners, We use them outside they dust away leaves so much easier than a broom. Just toss out or shake out.

I need all those products you shared especially the phone wipes and extreme post its! But my favorite household hack is baby wipes. They are great at cleaning little messes on the carpet or clothes in a pinch.

I use freezer tape and sharpie markers to mark leftovers and food going into the freezer. This is much cheaper than buying fancy post it notes and a roll of tape lasts a long time.

In BS2 working to pay off $20,000.00 in medical debt. Thanks for showing us the plan.

am I suppose to stop spending money thanks to your videos, but at the same time buy the products that you advertise that are not really necessary and expensive for the normal household?

Favorite household products is my Dyson cordless vacuum. I just love the ease of having no cord.

One of my favorite household cleaning products is Mrs. Meyers counter top spray and hand soap.

My favorite household product is Amazon wipes. I carry them in my purse, use them on my toddler and clean many different surfaces in my house.

My favorite household products are Lysol and/or Clorox cleaning wipes.

Love my microfiber cloths! I have the kind that are 2-sided, one softer side is for electronics and the rougher side is for scrubbing!

I love the idea of the goal tracker! I just downloaded it and will use the 3-6 months emergency fund form bc I already completed my $1k emergency fund!!🙌🏾🙌🏾🙌🏾

Thanks for the honesty ... so relatable ❤️❤️❤️

Rachel!!! Love your channel. It's so encouraging. We are almost debt free. Keep up the good work. I need to get those wipes. I have an almost 3 year old, and his sticky finger prints are always all over my screens :)

Microfiber cloths are my FAVORITE household product. They clean everything and you only need water. I love my streak free windows and shiny sink!

My favorite household product is OXI clean spray for your stained laundry. With a toddler, I feel like I am spraying his clothes everyday to get the stains out. It really works. Would love that mop that she presented, I keep trying to find a good mop with no luck!

Yes, Rachel, my friend! I have been asking for a RC coffee mug since day one! Can I purchase the first!

Hello Rachel I loved this episode. My favorite household product is (drum roll pleaseee, believe it or not) Rubbing Alcohol. Yes, I love that it's a true disinfect, it's cheap, and the smell evaporate fast unlike vinegar (in my opinion). It also gets those finger prints off stainless steel without causing damage :D

@candicelopez5535

4 жыл бұрын

I wish we could get rubbing alcohol

One of my favorite household products is the Clorox wipes, because I'm an investor in the company. It's a great way to clean up poop when baby's diaper falls on the floor.

My mom has these cloths - I don't know what they're called, but they are like really thin chamois cloth. To clean glass, you just wet them, wring, and wipe - no soap or any cleaner necessary - and they clean without streaking.

I like the Duop mop! I love cleaning with vinegar. I especially like using vinegar on my wood floors!

I really like magic erasers for cleaning practically everything!

Vacuum storage bags to store items you don’t need. If you haven’t got room in your closet you have too much stuff. Sell it and make money. Masking / painters tape works just as well at labelling food, much cheaper for an entire roll. E cloth system using no chemicals, creates no waste for landfill and can be used for cleaning windows, mirrors, glasses and all your screens.! If you really like the wipes for walls and scuffs cut them in half to make them last longer.

Glad I watched, will have to try that stainless steel cleaner and mops. The mops I buy keep breaking with normal use 🤷‍♀️not sure why.

Umm, if you overspent the clothing budget for your kids that is when you make returns to the store. I've learned that rearranging my budget to compensate for my lack of discipline ALWAYS backfires. Taking money from my own clothing budget to pay for my kids clothes- I will end up splashing bleach on my favorite blouse, or I'll get a huge hole in my leggings. Something always happens.

I like the Duop Mop! :) I enjoy watching your show, Rachel!

I love Bar Keeper’s! That stuff is awesome! I also love Lysol Wipes.

I LOVE all the products and Woman's Day mag! I four kids so I am always looking for products to make my life easier! Love your show 😊

@dixiefields4550

5 жыл бұрын

YL Thieves household cleaner....non-toxic, and it is truly all purpose, as it comes in a concentrated form and you can use different dilutions for different cleaning needs. It is definitely very cost effective.

Miss Rachel I adore you! Thankyou for this vid! BRAVO!

That Bar Soap looks amazing!

Great video!! You’re so funny Rachael 😊

Just buy all youer cleaning products at doller stir and live on nothing but rice and beans

I just need to stop spending Money on food 🥘

Please do a detailed video on low waste living. Thank u

I need a root canal after a filling. It was unexpected and I’m in pain, so yes that is urgent and will take up my emergency funds

Hello Rachel. All of the products seemed very helpful. I would like to try the Bar Keepers Friend because I've heard a lot about it but have not tried it. It would be awesome to win the whole package and try them all. Thank you for all you do

Hi Rachel, my favorite household product is blue painter’s tape. I use it to stick photos, encouraging notes, and decorations on the wall above my baby’s changing table. The tape doesn’t damage the paint on the wall, and it’s a quick and inexpensive way to decorate. I love looking at the beautiful display while changing diapers.

The ziplock space bag would be amazing for a total closet makeover!! Actually just a whole house makeover... we have way too many baby blankets taking up space :)

Microfiber cloths!! They not only save you money (I use them instead of paper towels) they clean so much better than paper towels. My furniture has never had less dust and looked so clean.

I think I'll pick up that bar keepers friend, that stuff looks great!

My favorite household product is Lysol disinfecting wipes.

My favorite product? Oxi Clean for sure 👍🏻

Amazing you are amazing I'm learning alot with you Rachel Cruze ❤ amazing congratulations

This episode was so amazing! their story was so inspiring! I’m just starting out my emergency fund and sold a lot of my clothes and items around the house - it feels good! The household products we probably use most in our place is glass Tupperware! I find it at TJMaxx for pretty inexpensive!!

I love to use Norwex cloths, cleaning products, towels, etc. They reduce chemicals in our daily lives and are very $ saving products. With 2 year warranties and 60 day refund policies. You can't go wrong. Wonderful products. Thank you for this show.

my favorite household product - Mrs. Meyers Lavender Multi-purpose - we all have to clean so why not make it smell good as we do it. Makes me okay with cleaning more surfaces then 1 or 2. Kids loving it too.

@sarahfromtexas

5 жыл бұрын

I just bought the concentrate! It smells so good!

Love the mop. Is it available on Puerto Rico?

Ha! A Louis Vuitton ad before the video 😂

@hermanatorPC

5 жыл бұрын

The ads you see are tailored to your internet behavior.

This isn’t telling u how to save it’s just what products to buy

Bar Keepers friend will also remove sticker adhesive and clean labels off jars!

Omg get to the pointyttttttt!!!! Please add a time stamp of when the video actually starts !

Simple Green.....AMAZING!

Alot of times we spend money to fill voids in our lives.

Not sure if anyone has mentioned this but baby oil is so good for stainless steel!!!!👍

My favorite product on the show was the mop that stood on its own!

My favorite products are white vinegar and essential oils.

I think my favorite product is the stainless steel cleaner!

I like this woman, She reminds me of my best friend, I was antisocial man, she was social butterfly so I clicked so well with her, She was my only friend I could make and have easier time with, I miss her so much, This girl is like her, I need a friend like that in my life. I feel so lonely after she moved

Cool

Rachel, you and the rest of the Ramsey Solutions family are incredible inspirations to me. Thank you so much for doing what you do. My favorite household product has to be the Magic Erasure! I've actually used them many times to get scuffs off paint (or marker, pen or paint...I also have two little girls) in the past. I've not heard of the Behr wipes until now, so I'm really excited for those!