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The Rachel Cruze Show

7 Things You Should Absolutely Say No to This Month

The Rachel Cruze Show

Ramsey Network

Self-improvement, Education, Investing, Business

4.83.6K Ratings

🗓️ 2 February 2026

⏱️ 8 minutes

🧾️ Download transcript

Summary

📈 Are you on track with the Baby Steps? Get a free personalized plan.   In this episode, I’m calling out a few spending traps that sneak into our budgets once the year gets going. If you’re ready to stop wasting money and free up some extra cash without feeling deprived, this one’s for you. Next Steps:  🎥 Watch my video 10 Minutes of People Living Frugally and Winning. 💵 Start your free budget today. Download the EveryDollar app!   Connect With Our Sponsors[JS4] : Learn more about Christian Healthcare Ministries. Get 20% off when you join DeleteMe. Go to FAIRWINDS Credit Union for an exclusive account bundle!   Explore More From Ramsey Network: 🍸 Smart Money Happy Hour 🎙️ The Ramsey Show  💸 The Ramsey Show Highlights 🧠 The Dr. John Delony Show 💰 George Kamel 🪑 Front Row Seat with Ken Coleman 📈 EntreLeadership   Ramsey Solutions Privacy Policy Learn more about your ad choices. Visit megaphone.fm/adchoices

Transcript

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0:00.0

All right, we're officially past the new year, new me,

0:08.5

start of the year, but if you haven't gotten your money's worth

0:11.2

out of that gym membership by now,

0:13.0

it is time to be honest with yourself.

0:15.0

So here are seven things you and me should say no to

0:19.5

and stop wasting our money on. Be sure to like, subscribe,

0:22.3

and share this episode with a friend. Okay, like I said, the first expense to say no to

0:28.7

is any membership that you are not using. So this could be a gym membership, a spa membership,

0:34.6

streaming services, monthly products that you get in a bundle, like whatever it is. And even if it's not very expensive, if you are not using it consistently, get rid of it. And this is so hard because even for me, it's like going through every like $7.99 Apple charge for some cloud thing that I have. I don't even know if I'm using this. I don't even know what's going on. So it takes some inventory, but hopefully maybe you did that in January with the start of the year. But when you can cancel those things, and again, even if it's not that much money per month, it is going to save you money in the long term. And I think getting out of this habit of just wasting money or being like, oh, it's not that big of a deal. Make it a big deal and just do it. Cancel the memberships that we're not using. Number two is the dollar aisle. So whether it's Target or the home goods checkout line that you like walk through, even DSW. I bought shoes for my kids for Christmas. And even that adds like a little line with all this stuff. Listen, you don't need it.

1:28.5

And the frustrating thing is most of these things aren't even a dollar. I remember going to Target where I always had in the dollar section like in my head and I was like getting stuff. I think it was for stockings or it was something. And I ended up spending so much money on it because I was like, oh my gosh, I didn't even really look.

1:42.6

And things were $3.

1:43.9

And it's just crap.

1:45.1

Let's be honest.

1:45.7

Like, we don't need it.

1:46.4

So just staying away from the dollar

1:48.5

aisle or the $3 aisle, we should say, and just get the things you need at the store. That is key.

1:54.1

Now, speaking of things that are not on your list, that also goes for food costs too. So number

2:00.5

three is extra snacks at the grocery

2:03.1

store. Now listen, the grocery store whole shopping experience, like if you don't have it down to a

2:09.2

science, you're spending more money than you should. So this is everything from like not going to the

2:14.3

store when you're hungry, having a list and knowing exactly what you need,

2:18.6

not, you know, just going and be like, oh, what do I feel like today? No, the grocery store is a place that we need a list because if you don't have a list, you are going to see things that look enticing and maybe in the moment they sound good and they look good. You're like, yeah, we'll just try And then if you have your kids with you, it makes it even worse.

...

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