How to Find an Extra $1000 in Your Budget This Month
The Rachel Cruze Show
Ramsey Network
4.8 • 3.6K Ratings
🗓️ 8 October 2025
⏱️ 6 minutes
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| 0:00.0 | What if I told you that you could find an extra $1,000 this month without a side hustle? |
| 0:10.5 | We'll stick around to find out how and make sure to like, subscribe, and share this episode with a friend. |
| 0:15.2 | All right, so we have a money finder tool, which helps you understand through a series of questions |
| 0:20.8 | to look at your monthly |
| 0:22.3 | income and expenses. And on average, it finds an extra $400 in people's budget per month. |
| 0:29.4 | Now, before you start to deep dive here, here are five quick tips to get this ball rolling. |
| 0:34.5 | Number one, if you have debt, pause retirement investing to get that money |
| 0:39.8 | back in your paycheck. So let's say your salary is around $75,000 and you are participating in |
| 0:45.1 | your company's 401k match. Well, this would be about $400 back in your paycheck immediately. |
| 0:52.0 | And many of you, especially those of you that have a two-income household, |
| 0:56.2 | would actually double that amount if you pause retirement. So again, pausing, not stopping. |
| 1:01.2 | I thought we're pausing better than stopping. Stopping sounds like forever and ever. It's not forever |
| 1:05.0 | and ever. It's just pausing for a period of time. Because when you get that money back in your |
| 1:09.4 | paycheck, you're able to throw it at debt. |
| 1:11.5 | Get debt out of your life as quickly as possible because when your income comes in and it's not |
| 1:17.0 | going back out to debt payments, you get to keep it, which means you get to invest even more |
| 1:21.2 | into retirement, which is 15% of your income, and you'll do that later after you've paid off |
| 1:25.8 | debt. All right, number two, if you had a large |
| 1:28.4 | tax refund, make sure to adjust your withholdings. So again, let's say the average salary is in that |
| 1:34.4 | $70,000 to $80,000 range. You could have $200 back in your monthly paycheck pretty instantly, |
| 1:40.6 | which is amazing because getting a bet, a big tax refund is not a great thing it can feel like free |
| 1:45.8 | money when you get a check and it's maybe a couple i don't know a thousand bucks or something you're |
... |
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