And your in laws did this right? Didn't they switch and save? I did it for them because I was so frustrated. I know I was trying to earn some brownie points. Let's be honest.

Right.

But it was over the holidays and I was like, you know what?

They had some tight margin in their budget and I was like, I think we could free up some margin by freeing up some money from the cell phone plan and their TV bills.

And so I worked on this and I ended up saving them. This is not a joke. $3,100 per year. Oh my gosh, George.

On those two bills alone. I know I was very impressed with myself.

Hey, everyone. Welcome to another episode of the Rachel Crucio podcast. I'm so glad that you're here.

Well, in this episode, we'll dive into what you need to know about saving, spending, and investing.

You'll hear a conversation that I had with Ramsey Personality, George Camel on ways to save on your cell phone plan. It's a great conversation.

I cannot wait for you to hear it. So many great ideas.

I'm also going to take a question from Shina on if it's a good idea to invest while working through baby step two.

But first, let's talk through five spending habits you need to break today. Take a listen.

Okay, when it comes to money, we all have habits. You do things that you don't even really think through because it's just all you know.

But examining those habits to know what habits are helping me when it comes to my money and helping me win.

And what happens are costing me a lot of money because I don't even realize this is what I was spending money on.

So spending habits are huge, you guys, and you have to really look at what you're doing.

And so I would really encourage you guys, especially those of you that are getting out of debt, getting your emergency fund in place, baby steps one through three, that you change, and you really buckle down on your spending habits.

Because the less you spend and the more money that goes to debt and an emergency fund, the faster you're going to get control of your money.

Now, baby steps four or five, six and seven, you can be a little bit more, you know, enjoy some more of your money because you've walked through and already set down this really firm financial foundation, which is awesome.

But we all need to look at our spending habits. So let's walk through five spending habits that I see that are not so great, especially if you're on baby steps one through three.

Number one, spending on convenience. This is a hard one because I know life is just go, go, go. And sometimes like, oh, it's just so convenient to get this order to the house or just go through the drive through, you know, what happens is though you end up paying for all this convenience.

It is more money going out and less money going towards debt or towards your emergency fund. So there are delivery conveniences, you know, like food and shopping.

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