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The Rachel Cruze Show

Do These Money-Saving Hacks from Parents Actually Work?

The Rachel Cruze Show

Ramsey Network

Self-improvement, Education, Investing, Business

4.83.6K Ratings

🗓️ 19 November 2025

⏱️ 11 minutes

🧾️ Download transcript

Summary

📚Check out my Kids Book Bundle!   I’m always in the market for a good budget-friendly parenting tip. So in this episode, I’m reacting to money-saving parenting hacks—plus, I’ll share two of my own.   Next Steps: 🎥 Watch my video Every Mom Struggles With This . . . but No One Talks About It. 💵 The simplest way to budget. Download the EveryDollar app for free! 📈 Are you on track with the Baby Steps? Get a free personalized plan.   Connect With Our Sponsors:   Learn more about Christian Healthcare Ministries. Get 20% off when you join DeleteMe. Go to FAIRWINDS Credit Union for an exclusive account bundle! Turn to Minno for kids shows you can trust. Use code RACHEL for $10 off an annual plan with a 7-day free trial.    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

I recently saw an article with money saving hacks from clever parents, and I'm always in the

0:11.4

market for a good budget-friendly parenting tip.

0:13.8

You know this about me.

0:15.3

So I read the article, got some good points, and we're going to talk through it.

0:19.0

And make sure to stick around to the end because I'll share my go-to hacks when it comes to parenting and money. Be sure to like,

0:24.5

subscribe and share this episode with a friend. All right, first and foremost, someone said,

0:30.1

open a 529 and share the contribution link with friends and family. So it was quoted that said

0:36.8

this protected us from any onslaught of toys

0:39.5

and baby clothes that they would just outgrow quickly. Okay, so they open up a college fund

0:45.5

and send out the link to their friends and family. And instead of buying their kids gifts,

0:50.7

they fund their kids college. So I have an opinion on this. I think it's a little tacky. And our friend, George Campbell and Smart Money Happy Hour, he did this at his one-year-old's birthday party. So if you do it, you can be on George's team. But if you're with me and I'm like, no, no, no, no. And it's different if they want to give cash, like if the grandparents want to give cash

1:12.8

the little kid and then you as the parent are like, okay, we're going to put that in the 529. It just feels funny to me, sending out links. I'm old school. It's how I feel even with like honeymoon stuff of like, don't get us a gift, find their honeymoon. I don't know. I just don't like the link thing.

1:24.4

I don't like the, just give the cash.

1:26.3

And then you, you as the adult decide what to do.

1:28.7

Don't force everyone into a link.

1:30.1

I don't know.

1:30.4

I don't like the link thing. I don't like the, just give the cash. And then you, you as the adult, decide what to do. Don't force everyone into a link. I don't know. I don't like it. Okay, number two, try a babysitting swap. So the quote is, if a babysitter costs $20 to $30 an hour, which it does, then you're spending $100 before you even leave the house. So you find another couple that you trust,

1:44.5

do a date-night swap. You keep their kids, and then they go out, and then they keep yours,

1:50.3

and then you go out. And I love this. We've done this before, and it's so great. So our friends

1:56.3

have older kids, and that's a hack.

2:06.3

Get some people with older kids because the girl would babysit while all of us went out to dinner,

2:07.5

like on a double date even.

...

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