{"id":201169,"date":"2025-12-24T07:19:29","date_gmt":"2025-12-24T07:19:29","guid":{"rendered":"https:\/\/www.newsbeep.com\/il\/201169\/"},"modified":"2025-12-24T07:19:29","modified_gmt":"2025-12-24T07:19:29","slug":"6-simple-ways-to-become-more-disciplined-with-money-according-to-rachel-cruze","status":"publish","type":"post","link":"https:\/\/www.newsbeep.com\/il\/201169\/","title":{"rendered":"6 Simple Ways To Become More Disciplined With Money, According to Rachel Cruze"},"content":{"rendered":"\n

The latest Ramsey Solutions State of Personal Finance report<\/a> found that only 51% of American adults reported being happy with their finances, and 50% worried about money every day. Many Americans also reported problems paying for essentials and building their savings.<\/p>\n

If you\u2019re not disciplined with money, you\u2019ll likely find yourself stressed and unhappy about your financial security and struggle to achieve your goals and grow your wealth<\/a>. However, you can take steps to become more aware of your financial situation and avoid unwise spending decisions.<\/p>\n

In a recent YouTube video<\/a>, money expert Rachel Cruze discussed these six simple ways you can improve your financial discipline<\/a>.<\/p>\n

Deloitte data<\/a> showed that 71% of Americans splurged<\/a> in November 2025. If you\u2019re guilty of losing money to this common habit, take Cruze\u2019s advice to follow the 24-hour rule for unplanned purchases over a certain amount, such as $20. By making yourself wait and think through the purchase, you might notice the thrill is gone and decide against buying it.<\/p>\n

Cruze added that this simple rule even worked for her daughter, who no longer wanted to buy a mini trampoline on Amazon after the short wait.<\/p>\n

Read More: Suze Orman Reveals the No. 1 Bill You Should Pay First Each Month<\/a><\/p>\n

Check Out: 6 Things You Must Do When Your Savings Reach $50,000<\/a><\/p>\n

While the thought of looking at your bank account daily might not excite you, Cruze explained it\u2019s important for understanding what\u2019s happening with your finances, both good and bad.<\/p>\n

Checking your transactions allows you to recognize where you\u2019re overspending, how much money is coming in and whether there are suspicious transactions to report. Plus, watching your account balance can help you avoid overdrafts<\/a>, which can result in fees and other problems.<\/p>\n

Cruze recommended using a budget<\/a>, which gives you a spending plan for different expenses that you can track and helps with building wealth through saving and investing.<\/p>\n

\u201cWhen you actually track and know exactly what you spend your money on throughout the month, you\u2019re able to really assess, look back and say, \u2018Okay, what is needed, and what is not?’\u201d she explained.<\/p>\n

Whether you\u2019re struggling to pay the bills, pay off debt or save money for a necessary purchase, avoiding nonessential purchases is a helpful move. Cruze suggested temporarily cutting back on conveniences like subscriptions, Amazon purchases and food delivery services.<\/p>\n

You can look for substitutes that won\u2019t drain your wallet. A Ramsey Solutions article<\/a> suggested planning meals to reduce the temptation to order out and using library apps to save on entertainment, alongside many other cost-cutting tips. Also, if online shopping is the problem, consider temporarily uninstalling the apps.<\/p>\n

Although talking about money might make you feel vulnerable and uncomfortable, Cruze said it\u2019s part of being disciplined and encouraged having financial discussions with trusted loved ones.<\/p>\n

\u201cThere\u2019s something about creating not just accountability, but even awareness around the people that you\u2019re around a lot about where you are with money because some of the decisions you make in life may, in turn, kind of affect them,\u201d she explained.<\/p>\n

For example, if you need to change your family\u2019s lifestyle for a while so you can put more money toward emergency savings or debt, you should tell them about it to set expectations. Plus, telling others about your financial moves could inspire them to become more disciplined.<\/p>\n

While this suggestion sounds simple, many people lack the discipline to resist purchases and just turn to payment plans, credit cards and other loans if they don\u2019t have the cash.<\/p>\n

As Cruze explained, those who use debt often make the mistake of judging affordability based on the monthly payment and end up in a lifelong debt trap. Besides struggling to pay other bills and save money when you have debt payments, you\u2019ll lose money to the interest and fees involved.<\/p>\n

Instead, wait until you can save cash for what you want or find an affordable alternative. Cruze gave an example of a reader who asked about paying for college without debt, and she suggested options such as using grants or scholarships, as well as working for a while to save money.<\/p>\n

More From GOBankingRates<\/p>\n

This article originally appeared on GOBankingRates.com<\/a>: 6 Simple Ways To Become More Disciplined With Money, According to Rachel Cruze<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"The latest Ramsey Solutions State of Personal Finance report found that only 51% of American adults reported being…\n","protected":false},"author":2,"featured_media":201170,"comment_status":"","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[14],"tags":[114,268,85,46,113298,266,267,47460,61604],"class_list":{"0":"post-201169","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-personal-finance","8":"tag-business","9":"tag-finance","10":"tag-il","11":"tag-israel","12":"tag-losing-money","13":"tag-personal-finance","14":"tag-personalfinance","15":"tag-rachel-cruze","16":"tag-ramsey-solutions"},"_links":{"self":[{"href":"https:\/\/www.newsbeep.com\/il\/wp-json\/wp\/v2\/posts\/201169","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.newsbeep.com\/il\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.newsbeep.com\/il\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.newsbeep.com\/il\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/www.newsbeep.com\/il\/wp-json\/wp\/v2\/comments?post=201169"}],"version-history":[{"count":0,"href":"https:\/\/www.newsbeep.com\/il\/wp-json\/wp\/v2\/posts\/201169\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.newsbeep.com\/il\/wp-json\/wp\/v2\/media\/201170"}],"wp:attachment":[{"href":"https:\/\/www.newsbeep.com\/il\/wp-json\/wp\/v2\/media?parent=201169"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.newsbeep.com\/il\/wp-json\/wp\/v2\/categories?post=201169"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.newsbeep.com\/il\/wp-json\/wp\/v2\/tags?post=201169"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}