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The Rachel Cruze Show

My Personal Budget Plus How to Avoid a Holiday Spending Disaster

The Rachel Cruze Show

Ramsey Network

Self-improvement, Education, Investing, Business

4.83.6K Ratings

🗓️ 28 November 2022

⏱️ 24 minutes

🧾️ Download transcript

Summary

In this episode, we’re talking about all things spending (and how you can avoid overspending this season). I’ll let you guys in on what I spend in a week, plus we’ll go over some tips that will help you steer clear of a holiday spending disaster. And to wrap it all up, I’ll share some affordable last-minute gifts!   Here’s what’s coming up: ·      What I Spend in a Week ·      5 Tips to Avoid a Holiday Spending Disaster ·      Last-Minute Christmas Gift Ideas Under $40   Helpful Resources: Christian Healthcare Ministries Financial Peace University EveryDollar                                                 Sponsors pay the producer of this show, The Lampo Group, LLC, advertising fees for mentioning their services or products during programming. Advertising fees are not based upon or otherwise tied to any product sale or business transacted between any consumer or sponsor. The following sponsors have paid for the programming you are viewing: Christian Healthcare Ministries. Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy Learn more about your ad choices. Visit megaphone.fm/adchoices

Transcript

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0:00.0

The other way, we just charge everything follows you month after month after month.

0:11.1

And then come April, you're like, yeah, I probably shouldn't have bought that nice gift.

0:14.1

More regret happens because you're in full spine.

0:16.7

You don't always think about it, especially when you don't spend the way to cash.

0:22.6

Hey guys, welcome to this episode of the Rachel Crucio podcast.

0:25.9

I'm so glad that you're here.

0:28.0

So in this episode, we're going to talk about how to save your money and avoid a holiday

0:32.0

spending disaster.

0:33.2

They don't go over last minute Christmas gifts that won't break the bank, hence they're

0:38.0

all under $40.

0:39.6

Then I'm going to go over five tips to avoid going into debt this holiday season.

0:45.6

But first, let's chat about weekly expenses.

0:48.6

Yes, I'm actually going to share my weekly expenses and talk about how to avoid going over

0:54.2

budget weekly.

0:55.7

Like, a listen.

0:58.4

So I sat down and looked at some random week.

1:01.4

I think I picked a random week in like September.

1:03.2

So here, pick this week and let's go through and see how much I spend in a week.

1:09.0

And again, every week looks different.

1:11.6

Every week has different needs, has different things going on.

1:14.6

Obviously, but the goal here is to say, okay, am I sticking to my budget and am I managing

1:20.7

my spending?

...

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