What I Spend In A Week
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- čas přidán 27. 11. 2022
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It probably won't happen to the Cruze family, but it might be helpful for others to see what Rachel would cut if they had to reduce their weekly spend by half. Then you really start to understand how to prioritize "wants". This has been so helpful to me in BS4/5/6 especially when saving for a large future expense, in my case moving overseas in 2023.
That's a good idea!
In HALF? Dang! I’d sell fentanyl
Thx Rachel…you’re brave for sharing and no shaming bc it’s YOUR Families money and You are paying your bills and in step 7… CONGRATULATIONS and wow 12 yrs…time flies❤
She is debt free. She can have a cleaning service. Kudos to her. 👑❤️
I love the transparency. Makes the budgeting journey much more relatable 😊
Be proud of the $800/month cleaning expense.
executive assistant here. For the companies I work for, it’s worth it for them to pay someone like me between $80-100k/year in order to maximize and leverage the time and productivity of the executives I support.
For a 2 income family where one or both partners are in high level roles (which Rachel is) - using her time to clean the house is the definition of insanity and waste. It takes a crew of 2 people approx 3.5 hours to clean a moderately sized home.
That’s 7 hours, or almost 1 full workday of Rachel’s time. At that level-she should be over-indexing for the things ONLY she can do-like her job at Ramsey and being a mom to her kids and a wife to her husband.
Unless they love cooking-maybe they could even bring in a private chef once a week to make a week batch of freezer meals and 1-pot meal prep
I won’t judge you Rachel! House cleaning takes time. And time is money. So how you choose to spend them both is your prerogative! 😘
Thank you for being honest and not choosing an “ideal” week. Interesting to see all this!
Awesome job! Thank you for being brave and putting it out there! Don't feel bad for having a cleaning service you are freeing yourself to focus on your family and work. Also don't forget you are providing income for someone else (ask me how I know!) . Also you are in the part of the baby steps where you can budget for this . I always fall of the bandwagon with tracking out expenses halfway through the month. I just downloaded the Every Dollar app hoping this will keep me on track. Ugh lol I just need to get this as part of my daily routine! Thank you for inspiration and the vulnerability of putting yourself out there!
Time is money. A cleaning service is nothing to be ashamed of. You get to a point when both people are working (and kids) where you have to pick your battles. Money well spent!
Meal planning and grocery list and sticking to it, is helping!
Wow. I love the honesty. She mentioned the cleaning service.
Thank you Rachel for being for so honest.
I appreciate seeing someone else random Amazon purchases - pens, wiffle balls, etc and a quick fast food trip adding up. I feel like when people do “what I spend in a week” they act like they don’t have random things you need on Amazon that add up!
If anyone judges you for having cleaning service once a week, it’s just because they wish they could have it too 😂 if I had the money, I’d have a cleaning service everyday!! Lol
I want cleaning service, too!
Me, too. And a personal chef! 🎉❤
So true!
Me too and a chef ☺️
Agreed! I want one so bad
Thank you for being honest and not changing because you would have to share with the whole world!😁
Thank you for sharing! It's actually very modest for the family of your caliber!
Love these type of videos. Always fascinating! Thanks for being brave and sharing your expenses 😊
Love this!! You’re killing it and this give us hope for a cleaning service ❤
I appreciate you sharing this, it felt honest and realistic!
Some honesty and choosing a week that isn’t ideal. Great content, thank you for your transparency.
There is absolutely no transparency in showing of one week spending..
It really helps to hear your budget categories!
Love this!!! I would love to see a regular feature on weekly spending in each baby step
I loved this video!!! It’s very practical and helps me so much!
Since everything has gone up in price I feel like we are back in a state of paying off debt. We have been debt free for awhile but we have had to cut ALL extra spending. Christmas is really challenging us too lol
No eating out, no extra household spending or wants for the adults or kids.
Thank you for sharing. If you do the exercise again, I enjoy weekly spending videos when they include a weekly breakdown of larger expenses like utilities, mortgage, insurance etc, as well as saving/investing. Also, when compared to income is even better, but I appreciate not many people want to share that.
Also, this could be a great viewer video where you help fans breakdown their budget/spending.
Thank you for sharing! It felt honest and realistic!
Thank you Rachel.
Great video! I meal plan and put it on a dry erase board in the kitchen, we don't always stick with it but it helps a ton with not wasting food. We have a fend for yourself night where you just eat what you find in the house. 😁 It's my favorite night!
Love that!!
Thank you for sharing this episode Rachel ❤️ I do weekly expenses check and we don't get below € 500 anymore since the start of pandemic in 2020. The only thing we do is not eating out and no more traveling 😄
Great video!! Would love see more weeks, very helpful and made me realize what’s realistic. I have one kiddo but I began gradually working part time then full and my house was getting so out of control. I was spending all of my weekends cleaning instead of spending time with my family. My husband never wanted a cleaning service but finally caved in. It’s every other week and I still clean but it’s helped my overall anxiety and mental health SO much. If momma ain’t happy no one is 😂
Hello Jennifer how are you?
I love this video! You do seem uncomfortable sharing, I would be too!! But so grateful you did, helps me. 🙂 Thank you!
I work at our family business (I’m the bookkeeper) and literally I was having to choose between cleaning the bathrooms or billing and collecting from customers! Time is money and my time for now is more valuable to keeping our accounting up in the business. Our employees and their families depend on me doing my job so I can pay them!
I love this. Love the cleaning service.
Thank you!! Love this video
👏🏽👏🏽👏🏽 thank you for sharing!!
Loved this video!!
We have a strict budget and pretty much stick to that - going on 27 years now. If we do have an expense that we were not able to (or did not know) to budget for, we take from another category of savings. We never spend what we have not already saved. This month we bought a ceiling exhaust fan for our bathroom ($300.00) and will also have to pay an electrician later on this week to replace that bathroom ceiling fan, AND another technician to re-caulk both of our shower stalls $250.00. I will also have to have the garage door services......never ending maintenance "Household and Maintenance" category! But on the positive side we never eat out, don't use an expensive Smart Phone, don't pay for TV, don't take vacations/trips or drive a new vehicle. Our biggest expenses are buying organic food for the two of us, homecooked foods for our dog and maintenance and wellness items. We are age 72 and 77, so we have more aging and wellness needs. I also bought filters for our three air purifiers this month and those were expensive, but these are important to our health and wellness. The way I look at it is that we pay now for our health, or we pay later in sick days, loss of income and surgery and other treatments.
Love your vulnerability!
Racheal, in my experience 4 days old rice is the worst thing to put in garbage disposal, it blocked pipes in the wall, I’m glad my husband is a bit handy and he bought a tool for $50 and fixed it, it took few hours because blockage was 10 feet deep into pipes in the wall.
thank you good information
Thanks for making the video
Such wise advice.
You go girl!
I feel like your spending is very justifiable considering where you are in life! Thank you for sharing with us.
Love it!
So good!
Rachel Cruze is literally the prettiest woman alive. On top of being gorgeous she is incredibly financially literally & intelligent. I always find value listening to her advice whether it be small tips on saving money or sharing her budget so that we can have a good example of how we can save.
I don't blame you for the cleaning service. If I had little kids, I get it! LOL
I totally get it. I felt guilty paying someone else to clean my house, and I still do. But, I have to remind myself that this kind of help, helps me be much more productive with my own job. If I can only afford to pay someone else to do laundry, then my life would be perfect. Well, I will probably still feel guilty, but some day I will just get used to it.
I'm amazed you got a plumber to your house that also provided services for $85. I cannot find a decent plumber that does not charge exorbitant prices. They have their trip fee plus their "upfront" pricing which is almost always ridiculously high.
Pens? I'd go to the supply closet at work! Dave saves the day again!
Pls film more of Rachel’s spent week!
Would be fun to see what groceries cost, utilities etc per month :)
Could you do this for different types of families. I would love to see this for a homeschool family of 7!
Everyone should have a no judgment line in their budget. Mine is eating out. Not fast food but a good sit-down restaurant where I can take half my food back home with me. So my grocery budget and entertainment budget are smaller and I have a budget line for eating out. If you use their app or go to their website or go at different times in different days of the week there are plenty of cost saving options to use.
It’s encouraging to see your budget for groceries, we are a family of four and spend too much I think. What do you do if you have kids in the house hold that have food allergies and have to buy premium products?
OMG. We spend a little over 200 bucks a week at the store alone for two people. And that doesn’t include meat or fish. We catch and freeze salmon and he hunts elk and deer and eat it throughout the year. We are in WA state. I can’t imagine. And I shop cheap. I splurge on my coffee but I still get that at Costco with soda water and the paper products. We don’t drink alcohol either. (Had waaaay to much in my 20s and 30s😅😂)
I would never judge on the cleaner. Save your free time for family not cleaning. :-)
More videos like this
I absolutely love Rachel Cruze. I enjoy her videos, podcast and when she’s on with her dad and the other Ramsey celebrities. I’ve learned so much from the Ramsey philosophy/teaching. I’m sincerely fans and hope they continue teaching forever…. But with that said, I wish they would rethink sending everyone to Amazon. The Ramsey’s were/are entrepreneurs and grew their business from scratch. They’ve done great but what would their company look like if they had to compete with Amazon? Please Ramsey’s- promote small business. If not in a few years there will be no small business! But as I said- I think the Ramsey’s (including Rachel) are 10/10 and I’ll never stop listening, watching and reading their teaching. PS- this post was NOT intended as negativity…
How do you budget in home improvement or furniture and what if you need more than one thing???
Noodles and rice, also learned the hard way they don't go in the disposal 😂
Not that crazy we avg around the same no cleaning service but daycare offsets that cost. Some cheap weeks maybe only spend $400 or so some $2000+ as long as your normally living below means is all that matters over the year.
I noticed you didn't mention gas for cars or bills like utilities.
Would you do one like this but monthly so it's a broader picture?
Wow I want to live at Rachels house!
The 0.5mm G2 pen is the best pen out there...
How do you clear the EveryDollar budget to start over?
Thanks for this video. I’ve been working on tracking all our household spending and it is difficult. We have the budget so I’m tracking to see if it needs to be modified. This was a helpful video for me.
People buy fast food for their family weekly. That’s like having a cooking service 💰I chose to cook at home and spend that money on a housekeeper. 20 years ago, I paid my sister to clean my bedroom while I worked two jobs and went to college full time. Then I married and worked as a teacher. Am a stay at home mom/wife and still have a housekeeper. Don’t need to be rich to have a cleaning service. We followed a budget, learned to be content, and made God our number one purpose in our daily life. Richness is in the soul.
Do you buy fuel OR does a tank last more than a week?
This was interesting! Considering their income, she really doesn't do a lot of superfluous spending, and the things she does buy aren't the most expensive. $60 is pretty good for a nice manicure, especially since she probably needs to keep her hands looking nice on camera. $40 at UberEats for 5 people is also pretty reasonable.
How do you budget when you have variable income. You have a business and never know how much money will be coming in and when.
Quite frankly cleaning service is a nrcessity!!
I would love to know how you budget utilities. Mine is always different each month.
I always over estimate for next month utilities and then adjust when I get the bill.
Poor Winston, he's the only one who didn't get to spend any money that week
On step 7 and a cleaning service is a perfectly fine expense for wants and supports another persons livelihood.
I'm curious! How many Sq ft do they clean for $200 per wk?
✝️🙏
Rice is another food you don't put down the disposal.
The magic of a cleaning service happens when you see dirt on the floor and realize you don't need to hold the stress of it in your brain because someone else will handle it. Do you relate?
Hello Spurgeon how are you?
I really hope Graham Stephen reacts to this!!!!!
6:28 How many credit card points did you earn?
By using a cleaning service, your family is helping others with employment. No judgment here…
5:01 I felt that /;
How did you get out of Costco with only spending $105???
She renewed her membership and left 😂
Also how did you get plumbers visit for $85? In our area, initial charge is $125, then plus whatever needs to be done. I put a strain in the sink to catch all, only liquid goes down. This saves plumber visits. Thanks for sharing Rachel.
😂😂
@@helenmak5663 yes especially in the Nashville are!? Family friend?
OMG! Can I have the name of your cleaner? I'm overpaying!
Heck yeah I would have a cleaning service if I could afford it!!
90% of my check goes to bills the first day I have it.
Just wondering if you put gas on this budget?
She drives a Tesla
Didn’t you need gas for any of your cars for a whole week??
What about Childcare? Do you have a nanny or use daycare? What about Gas? Those are weekly (key) expenses too.
Daddy says that he doesn't help. Please.
Plumber is only $85...can't believe you got one out for under $100.
Do not be ashamed to hire a cleaning service! Mom's it will change your life. Mine comes every 3weeks to do a clean and deep clean. Let me say I can breathe again 😁 lol
Rachel sounds so nervous.
Your plumber sounds cheap! It’s like $70 for the drive for the plumber alone in our area and then time and parts charges on top of that 😬
It doesn’t matter how much you spend. You will never ret out of money. Your papa is super rich 😂
I spend $600 this week
Reality is most of us have been forced to live on a ton less I spend one hundred on groceries 60 on medicines 30on gas and 15 per week for eating out and that is it for theee people
Very beautiful
What do you do with money you budgeted but spent under at the end of the month?