Emergency is unavoidable. They're going to happen unexpected things, unexpected expenses,

and so that's one reason we say to have that emergency fund. Because if you don't have it,

guess who is prepared for you to have an emergency? Credit card companies.

Hey guys, welcome to this episode of the Rachel Crucio podcast. I'm so glad that you're

here. So in this episode, we're going to be talking about what to do when managing money,

it feels complicated because I know it can feel complicated, but it doesn't have to, I promise.

I'll go over three ways to organize your budgets. Then you'll hear a reaction video I had to a YouTuber

going over how she got out of debt. I'll go over the things that I love that she did and some things

that I would tweak to make it easier. But first, let's talk about three hoarding habits that

may be costing you money. And remember, hoarding doesn't always look like what you see on TV. Take a listen.

Okay, I know when you hear the word hoarder, you're probably thinking, oh my gosh,

it's some crazy extreme case, like on TLC, there's a show about it. But here's what's interesting.

My friends, the minimalist say hoarding is simply the inability to let go of excess stuff.

It's a little convicting, yep. And that can look like habits that are somewhat normal.

In fact, a sign of a level one hoarder is light amount of clutter and several rooms

and signs of a level two hoarder are overflowing trash cans and unclean food prep surfaces.

So I think a lot of us might be hoarding and we don't even realize it. So let's talk about some

of the common seemingly harmless hoarding habits that are costing you. Okay, never one,

shopping for items for your home that are not needed. Oh, you know, you open up under the sink,

you got tons of allotions and hairsprays and face stuff, right? Or we're back in the day,

bath and body works, like we'd have a major sale. And it's like, we just got to pile up on all

this stuff, right? Or I'm the worst at after Christmas. I'm like, well, I'm going to save money and

...