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The Rachel Cruze Show

How to Find an Extra $1000 in Your Budget This Month

The Rachel Cruze Show

Ramsey Network

Self-improvement, Education, Investing, Business

4.83.6K Ratings

🗓️ 8 October 2025

⏱️ 6 minutes

🧾️ Download transcript

Summary

🔍 Looking for extra margin in your monthly budget? Try our free Money Finder Challenge.   What if I told you the extra cash you need is already in your monthly budget? Yep, in today’s episode, I’ll show you how you can free up $1,000 of margin in just a few simple steps.   Next Steps: 🎥 Watch my video: Searching for the Right Side Hustle for You? Watch This! 💵 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!   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

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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