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The Rachel Cruze Show

How to Actually Enjoy Your Life (Even on a Budget)

The Rachel Cruze Show

Ramsey Network

Education, Investing, Business, Self-improvement

4.83.6K Ratings

🗓️ 20 June 2025

⏱️ 8 minutes

🧾️ Download transcript

Summary

💵 The simplest way to budget. Download the EveryDollar app for free!    Yes, you can still have fun on a budget—and I can prove it! In this episode, find out how Winston and I make the most of our money and why a budget actually helps you enjoy life more.   Next Steps: 🎥 Watch my video 8 Mistakes You’re Making With Everyday Expenses. 📈 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. 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

Contrary to popular belief, a budget doesn't have to take the fun out of your spending

0:10.1

or your life.

0:11.3

So today, we're going to talk all about that.

0:13.3

So before we get started, make sure to like, subscribe, and share this episode with a friend.

0:17.8

All right, first, here's why the word budget can feel like an instant buzzkill.

0:23.3

Because when people hear the word budget, they automatically think of, oh, I have to say no to

0:26.8

something because I'm on a budget.

0:28.7

Or I have to be cheap and I can't get something I really want because I'm like doing it

0:33.1

budget friendly.

0:34.4

Like all of these terms makes it sound like it's a negative thing. When in reality,

0:39.7

actually seeing it as, no, a budget doesn't have to mean that. You can still buy great things

0:44.4

and still spend money, but you're just doing it with more control and more purpose. And that

0:51.0

allows your money to go further. So about a decade and a half of doing this budgeting,

0:56.9

and in some seasons the money was really tight and some seasons not so tight, I can tell you that

1:01.4

budgeting is actually a huge reason why I enjoy my life. So here are some things that Winston,

1:07.1

my husband and I do to make sure that we are using our money wisely and using it

1:13.2

for things that we really want. So first off, we use the every dollar app. This is a budgeting app that

1:17.9

is quick. It is convenient. And it's kind of our roadmap through the month on like, hey, how much

1:23.2

do we have left in going out to eat or, hey, we need to plan a birthday party next month for our

1:27.6

daughter so, like, put a line item in there. And this, I mean, like, it's just how we run our

1:31.2

life is literally through this app. It is so helpful. Transactions come in. I drag and drop them

1:35.9

into the categories. So we just can keep on top of making sure that we are living below our means,

...

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