I'm on board with most of these, except the icecream. My husband and I dont eat dairy but we occasionally take our kids to the local shop to get homemade icecream and cones. They love going for the treat every week or so. It works out better for my family because we dont have a bucket of icecream tempting us from the freezer and also helps support a small local business.
Food for thought: Perhaps the reason we’re “spenders” (I used to be) is because we don’t buy quality items. I used to buy almost exclusively cheaper plastic utensils and costume jewelry. I’d keep replacing them and buying because plastic breaks down and cheap metal tarnish. After I got married, my husband advised me upgrade kitchen utensils and fine jewelry. I haven’t replaced them since and the items he brought from 15 years ago are still perfectly working - no tarnish!
Yes and no. Don't buy the cheapest of the cheap on everything but also don't waste money on more expensive because you refuse to properly take care of things.
@@mariposavioleta9007 Cheap or quality has to be cared for. I try to keep my things like new. I don’t like paying money for things I already paid money for once,
I think the reasons are numerous why we Americans spend-mostly tho I think it starts when we are very young in our upbringing, how we were taught or thought about money in early childhood or what our parents finances were like that left a big impression on us & also what we can afford is another factor & then there's credit cards that rack up debt & seems so easy, somehow does not seem the same as spending real money, cash--it's so easy to swipe that plastic, but then the interest rate & payments later are outrageous! And then I think it can fill a void at times or gives us pleasure in the short term or you could have felt deprived as a child-I have a sister like that! So the list goes on, but I don't really think it's as much about quality, but I understand your viewpoint as it does make sense as you can buy more things for a $1 cheaper than if you pay more for better quality items & don't buy as many things! But I think it could also be about catching sales, as we think we can't pass them up, since we are saving & stores know this, that we are drawn to sales, we think we are saving so much & sometimes we do, but sometimes we buy it when we really didn't need it, just because it's a sale & now they do this thing-must buy 3 or 5 or buy one & get one free to get the cheaper price & most times we don't need 3 or 5, but we need 1 or 2 instead! I personally dislike that tactic! It might work better for a family tho-So there are so many reasons why we spend, but as prices become higher that will be more difficult, so begin now to buy less & hopefully the prices will eventually fall! And in my opinion, if we buy less the stores are not making that much more by raising their prices! For instance, I seldom buy chicken salad at Walmart anymore, because it costs at least $2 more than before! I heard this lady say they have an exact amount they spend on gas each month & when that's gone, they stay home & so I'm conserving on that too, so I'm not spending much more than I was on gas! Yes, these are some ways to cut back, on the things you can & that will help! Of course there's only so much you can do, but every little bit saved counts! And this is a good time to be more mindful of our spending choices & buy our needs more than our wants! And spend time with family & friends talking or playing games or with yourself doing a hobby or reading to learn or enjoy a good book! Or taking walks a few times a week, etc etc-we can all do better everyday & still enjoy life & look for blessings & they are there even on the most challenging days! Just some suggestions & my opinions-hope they help!
I agree and practice all 9! But I love how balanced and down to earth Rachel is. I thought she'd say "do your own mani/pedi.". But the balance she offers is to enjoy the experience, but don't over pay. High five to Rachel and others who are making thoughtful money decisions! 🙌
1. Apps for kids 2. Kids memberships (ie trampolines) 3. Nice water (ie Fiji, SmartWater) 4. Manicure/Pedicure @ Fancy Spa 5. Nice jewelry 6. Fancy/expensive kitchen tools 7. Fancy coffee 8. Going out for ice cream 9. Buying anything just because it’s on sale Bottom line is if you can’t tell the difference between cheap & fancy, then go cheap. For the most part, anyways.
Keurig is expensive and wasteful. Consider cost per ounce of the ground coffee. Premium ice cream with upscale flavors is for adults to savor, not for kids to gobble. I think memberships to facilities for kids or yearly pases to amusement parks spoils kids. Going to these places should be a very special day, not commonplace. It’s not just about the cost. Even if the membership is economical, going to these places repeatedly causes fun inflation. If it’s normal to go to laser tag, what will it take to get excited and feel something is special? Do you want your kids to be blasé?
@@rubyus7332 I bought a Pellegrini Italian Made Can Opener in March 2000 that I still use. At the time it was quite expensive - $15. Doesn't seem like much now though because it still works fine.
I love your show Rachel. My thing that I refuse to spend money on is soda in a restaurant, it's crazy how much it costs. Of course my husband has to have a diet Pepsi with pizza or chicken wings...not me...give me water please!.
I refuse to spend $2-$3 on soda when I go out to eat, too. I am scaling back on my consumption of soda/sugar sweetened beverages and including diet soda, as well.
I always think when I see how much a glass of soda costs at a restaurant - I could buy a 2 liter for less than that amount and I'd have way more soda (on the rare occasion I actually buy soda) than the glass that they are giving me with refills.
I refuse to buy designer clothing, shoes, and handbags. They are too expensive for what they are and how they are treated. I also refuse to get a new cellphone until the current one doesn't work anymore. I also refuse to pay for appetizers at a restaurant - I'm getting a meal and that's good enough for me (plus, great places give complimentary chips or bread LOL). When typing this out, I felt too overly passionate. Ha!
You’re totally right about the fancy mani/pedi. I made the mistake of getting a pedicure at a fancy spa a few weeks ago, and it was 2x the cost of a pedicure from a standard nail salon. Never again.
GIRL: You, young lady, have one of "THE" most effervescent personalities of anyone that I have ever met. Happiness just exudes from your pores. I could watch your shows all day long. One thing that throws me for a loop though is your mention to George Kamal about being in Therapy. My goodness, what ever for. You seem like THE most grounded and Happy person that I know of. Thank you for all that you do for the viewing community. Greetings from Ontario, Canada.
I agree with you 100% except the ice cream- as a family we don't eat out hardly ever, but when our Dairy Queen opens up for the summer- every Friday night after supper- we go get ice cream. It's our little treat for the week!
I don't think she was talking about ice cream shops in general. Just the higher end ones! I love an inexpensive once in a while trip to an ice cream shop too!
I agree with so much of what you said. I love buying used clothes and furniture that saves a lot of money. I refuse to spend money on a car payment, credit card interest, soda or dessert in a restaurant, Paper towels. Fancy hair products too.
Oh yea credit card interest! Who and why?! I milk those companies for everything they will give me in sign up bonuses… never will pay them a cent of interest!
I save money by going to my local cosmetology school for manicures and pedicures. Cheaper than any other place in town. Plus the students needs real people to practice on and their teacher oversees them.
Great video. We do occasionally but ice cream out here in Michigan. The season is so limited, it becomes an experience. I do not buy coffee out or apps. As for the salon, my friend owns a studio in our town. I like to support her and my nail person is like a therapist. I only go once a month and combine services for a reduced price. 😀
All and I mean all (unless from a gift card) my clothes, work or pleasure are from thrift shops. I have not bought retail clothes in YEARS and I slay it when I step out. Thee exception to the rule is undergarment and shoes. Does it take a wee bit longer to find what you are looking for? You bet. But when I compare my price tag to what I might have spent… I am good. I watch a lot of style videos and take that knowledge with me to the thrift stores.
I love how smart with money Rachel is. I like her fancy ice cream guideline. For me however, ice cream is a weakness and makes me gain weight. If I bought at the store I would be obese now. So I just treat myself to fancy parlor ice cream when I travel. The high price of it keeps my consumption down. I had some baklava flavored ice cream in Athens, Greece and it was the best ice cream I've ever had.
I agree with most things on your list. My list 1. Pampered Chef kitchen tools - have a lot of it but not worth the money. It breaks too. 2. Sales just because - don't want stuff sitting around 3. Expensive diet plans - Noom, Better Me, etc 4. Expensive exercise plans - UA-cam has free and FitOn has free workouts. My exception- Lindywell Pilates 5. Expensive stores - Nordstrom, Banana Republic and others UNLESS a special occ 6. Influencer makeup brands-not paying $50 for foundation
I 100% agree and that's just the beginning. Most people just don't take care of things and then wonder why their things aren't lasting and then go waste more money instead of properly taking care of things.
I have to disagree with the fancy water. I drink a lot of Fiji Water. But I will say, it is for health reasons. I do not trust the chemicals they use to keep tap water safe. I am also concerned about the levels of aluminum in all of the stuff we use on a daily basis, and the Fiji water has natural silicone in it which helps the aluminum not affect your system as much. If I could really trust the FDA and the CDC it might be different, as the concept of fancy water when it comes from the tap I totally agree with. But as it is...
We had a Nespresso machine until we realized we spent upwards of $1600 on capsules in a year. Then my husband went to the neighbors and had their coffee from a Jura machine. He eventually got one and yes they are very pricey but no more capsules to buy, it grinds fresh coffee beans for every cup.
I am stingy and I thrift shop a lot but I disagree with the coffee maker and kitchen utensils. Keurig Coffee is not the same as coffee from actual espresso machines and quality Kitchen utensils that are used everyday will pay off in the long run. I have had to throw away pots and pans that non stick surfaces have easily disintegrated. I love cooking and my daily coffee and I am not willing to compromise on that. The rest of the list I agree with completely.
@@kathleenmathews6096 I totally agree. My pots and pans came from a garage sale, but we knew exactly what they were. Paid less than $100, 20+ years ago, but it would have cost more than $500 new, and today it would cost me in the thousands to replace them. I still use them to this day and they still look like they are only a few years old.
The idea sounds posh, but it’s not great in my experience. I don’t want to worry about uncured wet nails on vacation. I’ve had mediocre massages at resort hotels. They have to worry about repeat business. Cheaper and better at home.
I chuckle a little as your Keurig coffee maker is kind of like fancy coffee to me. I am an instant Folgers coffee person. I do enjoy a fancy coffee as a treat at an airport for those few times I fly. Thanks for sharing.
I agree with all of it except for the fancy coffee. I love the regular unfancy stuff on most days but every now and then…. I need that fancy one time coffee at the cafe.
1-Fully agree 2-Agree 3-Fully agree 4-Ocasionally spa luxuries are worth it 5-A few jewels are ok 6-Disagree, high quality kitchen gear Is worth it. 7-Disagree, high quality coffee Is very worth it 8-Agree, grocery store ice cream Is good 9-Not sure All around an interesting list
I'd add all those birthday parties for your kids. I started off throwing elaborate tea parties, cowgirl parties, etc. and I'd justify it by saying i shopped thrifty so I save money. In actuality, I shopped sales, so I bought more crappola, and made it a huge stressful fiasco, that wasnt necessary. My kids don't remember much about those parties, and I never had those when I was a kid. We didn't even invite friends to our parties. We had all our cousins, with a pool or sprinklers, and a homemade cake, and a big bucket of ice cream. One thing I always have done...homemade cakes! Homemade food items. No catering...ever!! Even my wedding was a potluck. :)
It's so great to hear you express not needed some of the crazy stuff people spend money on. Personally I can not spend money on a grilled cheese sandwich or a BLT at a restaurant when I can make it at home for a fraction of the price and get exactly what I want. I will not do it. 😀
Agreed, with one exception (which I love that Rachel does leave room for exception!). Pesto, fresh mozzarella and tomato grilled cheese....cuz I don't take the time to make my own pesto or remember to pick up fresh mozzarella cheese. And they are just soooo good!!
My husband got a very high end Jura coffee maker as he is a huge coffee drinker and he likes the quality. It was an arm and a leg but everyone who comes over and tries it says its the best coffee they have ever had. Fortunately I quit the coffee habit and now I love a good cup of tea. I think as we get wiser we develop more distinguished tastes as it seems everything I own needs to be very high quality whereas I didnt care about quality as much when I was younger and had kids in the house.
I’m with your husband on the Jura. I did purchase a refurbished one. My husband wasn’t a big coffee drinker (a few cups a year) until the Jura. He now has a cup or two daily.
Yes!! From Texas and very frugal. I enjoy spending but only if it is an “enjoyment” while spending and/or if you can look at what you spent money on and say, “That brings me joy!” Otherwise, no name brand stuff or fancy food makes a difference to me. Very simple. Great video.
My main difference to your list, is that I won’t buy cheap jewellery and mostly only wear expensive jewellery. But I have only a few pieces. And I love sparkling water and my Thermomix lol. I also refuse to spend money on designer clothing. My poor kids are always in second-hand or cheap store clothes unless they receive fancy clothing as a gift. Though I always buy good quality footwear. It’s worth the cost for comfort and durability. Funny to see what we each value. Great video xx
SOOOO with you on the bougie manicure/pedicure. I’ve done both sides several times and not once have I (or anyone else) been able to tell the difference.
@@genxx2724 you're showing your age here, and the inexperience at 5 star places! Gel polish is dry instantly, and most luxurious spas and salons use it today. Standard polish has long phased out.
@@normajeane507 And, btw, your statement claims 5-star hotels salons don’t use regular polish. That’s nonsense. People might select gel or dip, but regular polish is avail too. I think gel and dip are more expensive, tine-consuming. and damaging. Not what I’d choose to spend my time in when stating at a resort. The reason I know so little about the latest developments in nail polish is because I was blessed with natural beauty, beautiful hands, and good nails. I don’t have to do anything to myself and I get compliments on my bare nails. Polish stains them - even buff polish. I used to get manicures, but the novelty wore off and I can do a perfect myself without spending any money if I want polish.
I agree with all of these and more. Once I started the baby steps, I realized how little I need to be satisfied. Even though I can now easily afford to splurge, I no longer want expensive or frivolous stuff and actually prefer less expensive options.
Thank you Rachel. I ran across this video which you and Christian listeners should most definitely watch! The video is “STORES I REFUSE TO SHOP AT AS A CHRISTIAN”. Taylor Alesia. Certainly ties in with what to spend money on but more importantly where. God bless! Thank you for your videos and podcasts and desire to help people take control of their money and live the life they love ! Happy Thanksgiving!
1. We rarely go out to eat.. especially fast food.. if we do go out it is to a nice restaurant for a special occasion. Otherwise, we can cook anything we want at home. 2. We drink filtered tap water; no soda, tea, or juice in our house. 3. We RARELY go to the movies.. maybe once every other year, when it’s a “best on the big screen” kind of movie.. we are more than happy to wait for Redbox.. 4. Vacation is not a free for all. When we vacation, we give each child a small budget to spend as they choose.. it is used for souvenirs, extra snacks (when they want something other than the family snacks), specialty drinks.. all that stuff they seem to gravitate to that creates a continuous stream of “ I want, I need, can I have…..”.
I agree with all of them. I refuse to spend money on a tan. I can do that by spending five minutes outside with SUNSCREEN on and I really don't like when tans LOOK fake. 💕 ☕
I refuse to spend money on bottled water of any type. We have a filtered water tap at our kitchen sink that dispenses better water than any bottled water you can buy at a fraction of the cost.
It’s a great to put a small cooler with frozen packs in the trunk, with your own drinks and snacks if you’re going to be out for a couple of hours or more. Water, soda, string cheese, etc. Keeps you from paying inflated prices and keeps you on your eating plan.
I usually buy kitchen utensils from Dollar General, Walmar, Pampered Chef, etc. I love my Blue Bell (I live in Texas and that is a staple) but sometimes I have a blizzard from Dairy Queen! I refuse to spend money on fast food but however, I enjoy a burger from Whataburger and something from Chick Fil A every now and then. I refuse to spend money on soda when I go out to eat ($2-$3 a pop). I am cutting down on my consumption of soda as well as other sugar sweetened beverages. They are not good for a person's health to begin with!
Pampered Chef is a top quality brand. I don’t have a lot of it but if I see in a charity shop I snap it up. But I laugh at the high prices in antique stores for 30 year old stained Tupperware.
Good stuff. We won't spend full price on meat, new cars, the best of something, high priced haircuts, plants we can grow from seeds, and things not really needed.
This is a really good list I totally agree with all of them! I don’t have kids but I still agree once I have kids I will refuse to pay for apps, the trampoline subscription and going out for fancy ice cream. Maybe as a treat once in a blue moon but not all the time it can get expensive! Thanks Rachel!
Ahh, coffee. There's "cheap" but decent coffee makers that easily beat Nespresso and the likes, not to mention the coffee itself will be cheaper. I'm a coffee snob, my home country lives on 6 expressos a day and we thoroughly appreciate good coffee. We can tell the difference between Starbucks and fancy coffee, so I get the appeal to invest in proper gear for your home. I might go crazy and get a fancy coffee maker one day, but not until we're financially independent. French press works just fine for now. Priorities... :)
I refuse to spend money on bottled water. I understand not all areas around the country have the best water but the area I live in, my tap water tastes so good lol. I just find the plastic bottles wasteful as well and just fill up a bottle with tap water wherever I go.
Yes! I'm so with you re the icecream - (especially when the kids get half way through it and go 'I'm full' LOL - I live in Australia and 1 scoop is $5 and I can buy a 2 ltr container for that and it lasts us for many deserts!
I'm 100% with you on coffee. my favorite coffee is bodega (max $2.00 for a large). Can't buy anything at a coffee house and enjoy it better than the bodega coffee.
Ahh, they are SO expensive, most of them in this area went out of business! I agree though, I used to get sweet cream with Oreos, chocolate chips, and chocolate jimmies, it was the best combo!!
Rachel, I agree with you! I won’t buy almost everything on your list. Especially the ice cream! You can buy ice cream, toppings, the syrups and all things good for ice cream sundaes and make them at home for cheaper and the kids will love it! 😊
Coffee is an exception for me. Once and awhile. It’s an affordable date for my husband and I. We’ll each grab a coffee and spend $10, walk around the city or the pier and just have a nice conversation.
Coffee is an exception for me too (though I think Keurig is fancy)....I'll buy fancy beans now and then or ask for La Colome coffee for my birthday. What a treat!
Definitely agree with ALL of these! My husband and I were just commenting this morning on how we think it’s neat when people get into a coffee hobby but just give us any ol cuppa joe with 3 kids running around haha!! We didn’t even spend money on a keurig… just a bodum french press I found for $5 at the thrift store!!
I don't even do the cheaped-down version of these things. The only thing I would disagree with would be buying things on sale. If I see an excellent price even though I don't need it at the present time I consider if I will use it in the future. Clothes that are off-season or food that I use that will freeze or store well.
I totally agree with every one of your items! I’m even too cheap for a “regular” manicure tho. I’m like I can do that myself! I once went to treat my mom, & my 2 girls to plain manicures/pedicures. I didn’t go it bc again it costs too much. It was $200!!
Ok, I thought you were going to share things like don’t get your nails done do them yourself! And Kruirig is fancy coffee, try a drip coffee maker with Foldgers. That aside I really appreciate the link for those that don’t have healthcare. I just found out a family member needs surgery and can’t afford it.
100% agree about the apps and fancy water (I think bottled water in general is a complete scam and I won't spend money on it). My mom is a total "buy everything on sale" type, she buys so much stuff she never uses just because "it's a good deal", one trait I'm glad she didn't pass down to me 🤣
I haven’t bought myself clothes or really anything in years. But I am a water fanatic. I think it’s because I grew up on a well and now moving to town, it is so disgusting, taste like a swimming pool. I love great, clean, refreshing water.
I have a Brita filter on my kitchen tap and the pitcher. Normally I just bring a bottle of my own with it to work. However sometimes it is more convenient to have store bought water. Then I try to get a generic brand.
I refuse to spend money on things that go in the trash! Paper towels (we have a large gifted collection of dish cloths), period products (menstrual cup-buy once, use forever!), lunch & breakfast foods (make at home lol). We do spend $15 weekly on Alkaline water in the 5 gallon jugs that we have refilled and I regret nothing! It’s our favorite water. 💦
I completely agree and practice everything you said here!! I also refuse to spend money on eating steak out; I prefer to buy and prepare at home at a fraction of the cost.
I hate spending money on streaming services…there’s too many shows on different platforms. I can’t afford to pay for 3+ services every month! I remember my parents always complaining about how expensive cable was and it’s the same thing. I just use a $6 DVD player from goodwill my sister got me and buy shows cheap from the thrift store or get for free from the library. It works for me! And then there’s UA-cam as well.
Nice list. It’s interesting how we are all different and value things differently. I’ve spent 0 on jewelry, that’s a giant waste to me. However cooking utensils I want to be good.
Yeah a, cheap can opener can make my fingers ache, and it takes a bit too long to get it started opening. Also, I think she meant a silicone spatula, because a plastic spatula sounds melty. Or, the flat turner spatulas are better in metal. It's annoying how spatula had two meanings
I don't buy sodas or tea at a restaurant, I prefer water with lemon period & it's healthier, not a big fan of bottled water tho for the most part either, as my chilled water at home is just fine & these (sodas, tea & most bottled water) are such a waste of money at $3 or more each, even though I don't eat out often! I can buy a loaf of bread, carton of milk or bag of spinach or even a package of cookies for $3.00 & any of these last at least a week or more & give me numerous servings, instead of a one time drink-so for me it seems very wasteful & definitely expensive at least to my budget & in my opinion anyway! And especially now, since everything has skyrocketed in price & if you are a family of 4, that will add up fast! I try to cut corners when & where possible! I'm not perfect at it & can absolutely do more to conserve I'm sure, but some things are easy & this is one of them for me! But that being said, if you want to treat yourself & can afford it or don't mind spending this for drinks, then I get it & sometimes it's ok & good to splurge, but for this little lady, I will drink the water & I don't feel deprived at all, because I actually like water much better with my meals-But I do understand if your choice is different from mine-God bless you!
GIRL! If you are wondering “what you call those ,MEASURING SPOONS…you know the tablespoon, teaspoon….” you do NOT need expensive kitchen utensils. 😂. Cracking me up!
For all of these, I am on board. I will spend money on sparkling water as long as it's flavor. If it's a special occasion I might spend that extra money at the ice cream shop. But honestly, I usually let my daughters pick the ice cream from the store. Im not a mani / pedi kinda lady. I've had probably 3 in total, and I'm in my 40s. I rather do it myself for self-care. Or spend quality time with my daughter and have a mommy-daughter spa day.
I think I have the opposite problem where I generally just feel guilty spending money on myself. Definitely try to save and invest as much as poss but it’s nice to treat yourself too.
As a girl who worked in a special ice cream store, and they paid 7 dollars a scoop here in nz, it gave me gall bladder stones, and made me sick, we now go to the supermarket and get ice cream. We have fallen into the trap yes of buying bottled water simply because I don't trust the old taps at my work place, I do enjoy, plunger coffee, and I've turned into a coffee snob. But give me plunger over any other coffee, I work in a cafe so I can get free coffee when they aren't busy and free cafe food on my shift, We don't go out to fancy fine dining because as a chef, I don't find them filling. we go to cheap and easy. or cook at home.
The Tap water is horrible to drink so we get 5 gallon water and fill up our water bottles with it. Kitchen utensils, we bought real nice expensive ones over 15 years ago when we got married and they’re still going great. Using plastic utensils to cook food is not very healthy.
I will agree with most of these, but I do have a coffee problem lol I’m trying to make my coffee at home but it’s really not the same 😑I also will but the sales items if it’s the right price especially the 90% off toys after Christmas. I use them for birthdays, next year Christmas and donations to kids in need. So I think it really depends on one’s perspective of the product
Agreed with all those in the list which I don’t buy either. Only thing I do pay per month which is expensive is a Water filtration system reverse osmosis for 49.99 a month that dispenses cold water for our family and the kids.
Definitely agree on most. I have paid for a couple educational apps for my kids and honestly not worth it because their interest is so short lived. I refuse to buy bottled water. Cheaper to replace fridge filter and pack my reusable water bottle.
Totally agree with all of these! One thing I refuse to spend money on is car washes. I don't have a garage, and all I really need is a good rain storm and my car comes out looking just as good as a car wash. 😉
I don't really like the bottled water, any of them. We do buy it at kroger on sale for when we go on vacations and we don't know if we will like the tap water there. AT home, i refill the bottles with tap water to carry around locally.
I absolutely refuse to spend on a mani-/pedicure in either a "fancy" or a "plain" place... but then I'm a guy LOL. Actually I've always managed my finances well, one thing I used to have but I eliminated 5 or 6 years ago was cable tv subscription. I get most of the tv I watch over the air (there are these things called "antennas" and they are a wonderful invention), through free streaming services, and a couple inexpensive streaming services (that is my "splurge" tv-wise). I like your balance in all this Rachel - avoid spending money needlessly, but ok to have one or two things to splurge on if your finances allow. Love your show, very down-to-earth and good advice.
Oh mylanta I totally agree with most of your choices!!! The biggest thing I've refused to spend money on..... OLIVE GARDEN kids meals. I mean y'all a bowl (cereal size) of plain pasta and a side (handful) of grapes for like $7!!!! That's nuts.
Sounds like it’s better to ask for extra plates and give them some of the adults’ food, or order a meal and split it among them. Giving them part of your meal makes sense if it’s something they’ll eat, because restaurant servings are so large.
For me, the biggest one is expensive jewelry. I refuse to spend a lot of money on it. Having one of each is completely fine with me. Everything else can be costume jewelry.
I'm on board with most of these, except the icecream. My husband and I dont eat dairy but we occasionally take our kids to the local shop to get homemade icecream and cones. They love going for the treat every week or so.
It works out better for my family because we dont have a bucket of icecream tempting us from the freezer and also helps support a small local business.
Food for thought: Perhaps the reason we’re “spenders” (I used to be) is because we don’t buy quality items. I used to buy almost exclusively cheaper plastic utensils and costume jewelry. I’d keep replacing them and buying because plastic breaks down and cheap metal tarnish. After I got married, my husband advised me upgrade kitchen utensils and fine jewelry. I haven’t replaced them since and the items he brought from 15 years ago are still perfectly working - no tarnish!
Very much true! Good thought!
Yes and no. Don't buy the cheapest of the cheap on everything but also don't waste money on more expensive because you refuse to properly take care of things.
That’s true for me, too. I am into cheap trendy clothes.
@@mariposavioleta9007 Cheap or quality has to be cared for. I try to keep my things like new. I don’t like paying money for things I already paid money for once,
I think the reasons are numerous why we Americans spend-mostly tho I think it starts when we are very young in our upbringing, how we were taught or thought about money in early childhood or what our parents finances were like that left a big impression on us & also what we can afford is another factor & then there's credit cards that rack up debt & seems so easy, somehow does not seem the same as spending real money, cash--it's so easy to swipe that plastic, but then the interest rate & payments later are outrageous! And then I think it can fill a void at times or gives us pleasure in the short term or you could have felt deprived as a child-I have a sister like that! So the list goes on, but I don't really think it's as much about quality, but I understand your viewpoint as it does make sense as you can buy more things for a $1 cheaper than if you pay more for better quality items & don't buy as many things! But I think it could also be about catching sales, as we think we can't pass them up, since we are saving & stores know this, that we are drawn to sales, we think we are saving so much & sometimes we do, but sometimes we buy it when we really didn't need it, just because it's a sale & now they do this thing-must buy 3 or 5 or buy one & get one free to get the cheaper price & most times we don't need 3 or 5, but we need 1 or 2 instead! I personally dislike that tactic! It might work better for a family tho-So there are so many reasons why we spend, but as prices become higher that will be more difficult, so begin now to buy less & hopefully the prices will eventually fall! And in my opinion, if we buy less the stores are not making that much more by raising their prices! For instance, I seldom buy chicken salad at Walmart anymore, because it costs at least $2 more than before! I heard this lady say they have an exact amount they spend on gas each month & when that's gone, they stay home & so I'm conserving on that too, so I'm not spending much more than I was on gas! Yes, these are some ways to cut back, on the things you can & that will help! Of course there's only so much you can do, but every little bit saved counts! And this is a good time to be more mindful of our spending choices & buy our needs more than our wants! And spend time with family & friends talking or playing games or with yourself doing a hobby or reading to learn or enjoy a good book! Or taking walks a few times a week, etc etc-we can all do better everyday & still enjoy life & look for blessings & they are there even on the most challenging days! Just some suggestions & my opinions-hope they help!
I agree and practice all 9! But I love how balanced and down to earth Rachel is. I thought she'd say "do your own mani/pedi.". But the balance she offers is to enjoy the experience, but don't over pay. High five to Rachel and others who are making thoughtful money decisions! 🙌
1. Apps for kids
2. Kids memberships (ie trampolines)
3. Nice water (ie Fiji, SmartWater)
4. Manicure/Pedicure @ Fancy Spa
5. Nice jewelry
6. Fancy/expensive kitchen tools
7. Fancy coffee
8. Going out for ice cream
9. Buying anything just because it’s on sale
Bottom line is if you can’t tell the difference between cheap & fancy, then go cheap. For the most part, anyways.
You tha real MVP...
Keurig is expensive and wasteful. Consider cost per ounce of the ground coffee.
Premium ice cream with upscale flavors is for adults to savor, not for kids to gobble.
I think memberships to facilities for kids or yearly pases to amusement parks spoils kids. Going to these places should be a very special day, not commonplace. It’s not just about the cost. Even if the membership is economical, going to these places repeatedly causes fun inflation. If it’s normal to go to laser tag, what will it take to get excited and feel something is special? Do you want your kids to be blasé?
I agree with this list! Especially the last one!
Saved me 9 minutes of my life! 👍
@@rubyus7332 I bought a Pellegrini Italian Made Can Opener in March 2000 that I still use. At the time it was quite expensive - $15. Doesn't seem like much now though because it still works fine.
I love your show Rachel. My thing that I refuse to spend money on is soda in a restaurant, it's crazy how much it costs. Of course my husband has to have a diet Pepsi with pizza or chicken wings...not me...give me water please!.
I refuse to spend $2-$3 on soda when I go out to eat, too. I am scaling back on my consumption of soda/sugar sweetened beverages and including diet soda, as well.
I stopped buying soda with a meal when I had a waitress top off my sprite and then charged me for two. Water's better anyway.
I always think when I see how much a glass of soda costs at a restaurant - I could buy a 2 liter for less than that amount and I'd have way more soda (on the rare occasion I actually buy soda) than the glass that they are giving me with refills.
Yes! Any type of non alcoholic drink in a restaurant! I also won’t drink enough refills to justify the cost.
Anything for drink?
Nope, just water for everyone.
I refuse to buy designer clothing, shoes, and handbags. They are too expensive for what they are and how they are treated. I also refuse to get a new cellphone until the current one doesn't work anymore. I also refuse to pay for appetizers at a restaurant - I'm getting a meal and that's good enough for me (plus, great places give complimentary chips or bread LOL). When typing this out, I felt too overly passionate. Ha!
If the appetizers look more interesting than the main dishes, I’ll get a salad and two appetizers instead of a main course.
You’re totally right about the fancy mani/pedi. I made the mistake of getting a pedicure at a fancy spa a few weeks ago, and it was 2x the cost of a pedicure from a standard nail salon. Never again.
Love you Rachel, you are so down to earth and we are exactly the same in our spending habits it seems!
GIRL: You, young lady, have one of "THE" most effervescent personalities of anyone that I have ever met. Happiness just exudes from your pores. I could watch your shows all day long. One thing that throws me for a loop though is your mention to George Kamal about being in Therapy. My goodness, what ever for. You seem like THE most grounded and Happy person that I know of. Thank you for all that you do for the viewing community. Greetings from Ontario, Canada.
And what most people do not know is that most of the water out there is just repackage tapwater
I agree with you 100% except the ice cream- as a family we don't eat out hardly ever, but when our Dairy Queen opens up for the summer- every Friday night after supper- we go get ice cream. It's our little treat for the week!
I don't think she was talking about ice cream shops in general. Just the higher end ones! I love an inexpensive once in a while trip to an ice cream shop too!
@@thealexandraway Dairy Queen is pretty expensive 😂
@@bsacagawea is it really? I haven't been in a while 😃😂
Your Dairy Queen is only open seasonally? That breaks my heart! 😭
@@LifeAdviceSite Yes- I know- breaks mine too!
I agree with so much of what you said. I love buying used clothes and furniture that saves a lot of money. I refuse to spend money on a car payment, credit card interest, soda or dessert in a restaurant, Paper towels. Fancy hair products too.
Oh yea credit card interest! Who and why?! I milk those companies for everything they will give me in sign up bonuses… never will pay them a cent of interest!
Agree with everything except used clothes. That one is a bridge too far for me.
Wow you're impressive! No paper towels?
I save money by going to my local cosmetology school for manicures and pedicures. Cheaper than any other place in town. Plus the students needs real people to practice on and their teacher oversees them.
Great video. We do occasionally but ice cream out here in Michigan. The season is so limited, it becomes an experience. I do not buy coffee out or apps. As for the salon, my friend owns a studio in our town. I like to support her and my nail person is like a therapist. I only go once a month and combine services for a reduced price. 😀
All and I mean all (unless from a gift card) my clothes, work or pleasure are from thrift shops. I have not bought retail clothes in YEARS and I slay it when I step out. Thee exception to the rule is undergarment and shoes. Does it take a wee bit longer to find what you are looking for? You bet. But when I compare my price tag to what I might have spent… I am good. I watch a lot of style videos and take that knowledge with me to the thrift stores.
Kiddos!!🙌. I'm in the thrifted fashion boat with you - and get compliments too.
I love how well you know yourself and your choices. I am with you on the Apps, and coffee. Thanks for sharing
I love how smart with money Rachel is. I like her fancy ice cream guideline. For me however, ice cream is a weakness and makes me gain weight. If I bought at the store I would be obese now. So I just treat myself to fancy parlor ice cream when I travel. The high price of it keeps my consumption down. I had some baklava flavored ice cream in Athens, Greece and it was the best ice cream I've ever had.
I agree with most things on your list. My list 1. Pampered Chef kitchen tools - have a lot of it but not worth the money. It breaks too.
2. Sales just because - don't want stuff sitting around
3. Expensive diet plans - Noom, Better Me, etc
4. Expensive exercise plans - UA-cam has free and FitOn has free workouts. My exception- Lindywell Pilates
5. Expensive stores - Nordstrom, Banana Republic and others UNLESS a special occ
6. Influencer makeup brands-not paying $50 for foundation
I 100% agree and that's just the beginning. Most people just don't take care of things and then wonder why their things aren't lasting and then go waste more money instead of properly taking care of things.
Exactly. Cars being a good example.
I have to disagree with the fancy water. I drink a lot of Fiji Water. But I will say, it is for health reasons. I do not trust the chemicals they use to keep tap water safe. I am also concerned about the levels of aluminum in all of the stuff we use on a daily basis, and the Fiji water has natural silicone in it which helps the aluminum not affect your system as much. If I could really trust the FDA and the CDC it might be different, as the concept of fancy water when it comes from the tap I totally agree with. But as it is...
Actually keurig is a waste of money and buying regular ground coffee will give you better flavor and will be cheaper than buying the cups.
We had a Nespresso machine until we realized we spent upwards of $1600 on capsules in a year.
Then my husband went to the neighbors and had their coffee from a Jura machine. He eventually got one and yes they are very pricey but no more capsules to buy, it grinds fresh coffee beans for every cup.
We have a Keurig but do not use pods. We have reusable baskets and fill with ground coffee and then compost the grounds afterwards.
I am stingy and I thrift shop a lot but I disagree with the coffee maker and kitchen utensils. Keurig Coffee is not the same as coffee from actual espresso machines and quality Kitchen utensils that are used everyday will pay off in the long run. I have had to throw away pots and pans that non stick surfaces have easily disintegrated. I love cooking and my daily coffee and I am not willing to compromise on that. The rest of the list I agree with completely.
Quality kitchen utensils as well as pots and pans, or cheap stuff you replace in 6 months? Quality every time. It is MUCH cheaper in the long run.
Cheap pots and kitchen tools lead to frustration and discouragement. Quality things yield beautiful results.
I have a set of pans I made payments on back in 1973. Im still using them. Buy the best you can afford and buy once.
@@kathleenmathews6096 I totally agree. My pots and pans came from a garage sale, but we knew exactly what they were. Paid less than $100, 20+ years ago, but it would have cost more than $500 new, and today it would cost me in the thousands to replace them. I still use them to this day and they still look like they are only a few years old.
I agree with all except the ice cream as it is my weakness! I also refuse to pay for parking unless absolutely no choice.
Those spa resorts with massage and peticure are so worth it. You got to pamper yourself every now and then.
The idea sounds posh, but it’s not great in my experience. I don’t want to worry about uncured wet nails on vacation. I’ve had mediocre massages at resort hotels. They have to worry about repeat business. Cheaper and better at home.
I chuckle a little as your Keurig coffee maker is kind of like fancy coffee to me. I am an instant Folgers coffee person. I do enjoy a fancy coffee as a treat at an airport for those few times I fly. Thanks for sharing.
I agree with all of it except for the fancy coffee. I love the regular unfancy stuff on most days but every now and then…. I need that fancy one time coffee at the cafe.
Ugh. Coffee is life. Once you go with craft coffee you can’t go back. So I love it, but understand why others won’t.
1-Fully agree
2-Agree
3-Fully agree
4-Ocasionally spa luxuries are worth it
5-A few jewels are ok
6-Disagree, high quality kitchen gear Is worth it.
7-Disagree, high quality coffee Is very worth it
8-Agree, grocery store ice cream Is good
9-Not sure
All around an interesting list
I'd add all those birthday parties for your kids. I started off throwing elaborate tea parties, cowgirl parties, etc. and I'd justify it by saying i shopped thrifty so I save money. In actuality, I shopped sales, so I bought more crappola, and made it a huge stressful fiasco, that wasnt necessary. My kids don't remember much about those parties, and I never had those when I was a kid. We didn't even invite friends to our parties. We had all our cousins, with a pool or sprinklers, and a homemade cake, and a big bucket of ice cream. One thing I always have done...homemade cakes! Homemade food items. No catering...ever!! Even my wedding was a potluck. :)
It's so great to hear you express not needed some of the crazy stuff people spend money on. Personally I can not spend money on a grilled cheese sandwich or a BLT at a restaurant when I can make it at home for a fraction of the price and get exactly what I want. I will not do it. 😀
Agreed 👍
Agreed, with one exception (which I love that Rachel does leave room for exception!). Pesto, fresh mozzarella and tomato grilled cheese....cuz I don't take the time to make my own pesto or remember to pick up fresh mozzarella cheese. And they are just soooo good!!
"Water, Kirkland if you have it." -Rachel
My husband got a very high end Jura coffee maker as he is a huge coffee drinker and he likes the quality. It was an arm and a leg but everyone who comes over and tries it says its the best coffee they have ever had. Fortunately I quit the coffee habit and now I love a good cup of tea.
I think as we get wiser we develop more distinguished tastes as it seems everything I own needs to be very high quality whereas I didnt care about quality as much when I was younger and had kids in the house.
I’m with your husband on the Jura. I did purchase a refurbished one. My husband wasn’t a big coffee drinker (a few cups a year) until the Jura. He now has a cup or two daily.
Yes!! From Texas and very frugal. I enjoy spending but only if it is an “enjoyment” while spending and/or if you can look at what you spent money on and say, “That brings me joy!” Otherwise, no name brand stuff or fancy food makes a difference to me. Very simple.
Great video.
My main difference to your list, is that I won’t buy cheap jewellery and mostly only wear expensive jewellery. But I have only a few pieces. And I love sparkling water and my Thermomix lol. I also refuse to spend money on designer clothing. My poor kids are always in second-hand or cheap store clothes unless they receive fancy clothing as a gift. Though I always buy good quality footwear. It’s worth the cost for comfort and durability. Funny to see what we each value. Great video xx
SOOOO with you on the bougie manicure/pedicure. I’ve done both sides several times and not once have I (or anyone else) been able to tell the difference.
Plus if you’re at a 5-star hotel or resort, now you have to worry about ruining your manicure until it hardens.
@@genxx2724 you're showing your age here, and the inexperience at 5 star places! Gel polish is dry instantly, and most luxurious spas and salons use it today. Standard polish has long phased out.
@@normajeane507 And, btw, your statement claims 5-star hotels salons don’t use regular polish. That’s nonsense. People might select gel or dip, but regular polish is avail too. I think gel and dip are more expensive, tine-consuming. and damaging. Not what I’d choose to spend my time in when stating at a resort.
The reason I know so little about the latest developments in nail polish is because I was blessed with natural beauty, beautiful hands, and good nails. I don’t have to do anything to myself and I get compliments on my bare nails. Polish stains them - even buff polish.
I used to get manicures, but the novelty wore off and I can do a perfect myself without spending any money if I want polish.
GEL POLISH SO UNHEALTHY FOR YOUR LUNGS. CANCER.
I ❤️ this list! I’m 100% on board with your expensive coffee limit! It’s Kirkland decaf pour overs for me all day and well worth the 24 cents each.
Yup, Kirkland coffee is as good or better.
I'm with you, Rachel on there being no replacement for name brand Cheerios. It's one of the few foods I won't go generic on.
I agree with all of these and more. Once I started the baby steps, I realized how little I need to be satisfied. Even though I can now easily afford to splurge, I no longer want expensive or frivolous stuff and actually prefer less expensive options.
Thank you Rachel. I ran across this video which you and Christian listeners should most definitely watch! The video is “STORES I REFUSE TO SHOP AT AS A CHRISTIAN”. Taylor Alesia. Certainly ties in with what to spend money on but more importantly where. God bless! Thank you for your videos and podcasts and desire to help people take control of their money and live the life they love ! Happy Thanksgiving!
Rachel seems like such a delightful person; thank you for the awesome video.
1. We rarely go out to eat.. especially fast food.. if we do go out it is to a nice restaurant for a special occasion. Otherwise, we can cook anything we want at home. 2. We drink filtered tap water; no soda, tea, or juice in our house. 3. We RARELY go to the movies.. maybe once every other year, when it’s a “best on the big screen” kind of movie.. we are more than happy to wait for Redbox.. 4. Vacation is not a free for all. When we vacation, we give each child a small budget to spend as they choose.. it is used for souvenirs, extra snacks (when they want something other than the family snacks), specialty drinks.. all that stuff they seem to gravitate to that creates a continuous stream of “ I want, I need, can I have…..”.
I agree with all of them. I refuse to spend money on a tan. I can do that by spending five minutes outside with SUNSCREEN on and I really don't like when tans LOOK fake. 💕 ☕
Somewhat agree with you; however, until you get skin cancer, that bottle of self tanner is safer and cheaper. ☺️
Tanning machines are cancer machines.
nail salons in general..... for the cost of 1 salon visit - I purchased a kit. Supplies last about a year. Saves around $400 a year!
I refuse to spend money on bottled water of any type. We have a filtered water tap at our kitchen sink that dispenses better water than any bottled water you can buy at a fraction of the cost.
I bring a water bottle everywhere and so does my whole family. With a large back up one in the vehicle. I do not want to buy water when out.
Agreed, I can’t buy drinks at Restaurants (most of the time) or overpriced stuff from Gas Stations or Convenience stores.
It’s a great to put a small cooler with frozen packs in the trunk, with your own drinks and snacks if you’re going to be out for a couple of hours or more. Water, soda, string cheese, etc. Keeps you from paying inflated prices and keeps you on your eating plan.
I usually buy kitchen utensils from Dollar General, Walmar, Pampered Chef, etc. I love my Blue Bell (I live in Texas and that is a staple) but sometimes I have a blizzard from Dairy Queen! I refuse to spend money on fast food but however, I enjoy a burger from Whataburger and something from Chick Fil A every now and then. I refuse to spend money on soda when I go out to eat ($2-$3 a pop). I am cutting down on my consumption of soda as well as other sugar sweetened beverages. They are not good for a person's health to begin with!
Same!
Pampered Chef is a top quality brand. I don’t have a lot of it but if I see in a charity shop I snap it up.
But I laugh at the high prices in antique stores for 30 year old stained Tupperware.
Good stuff. We won't spend full price on meat, new cars, the best of something, high priced haircuts, plants we can grow from seeds, and things not really needed.
This is a really good list I totally agree with all of them! I don’t have kids but I still agree once I have kids I will refuse to pay for apps, the trampoline subscription and going out for fancy ice cream. Maybe as a treat once in a blue moon but not all the time it can get expensive! Thanks Rachel!
Ahh, coffee. There's "cheap" but decent coffee makers that easily beat Nespresso and the likes, not to mention the coffee itself will be cheaper.
I'm a coffee snob, my home country lives on 6 expressos a day and we thoroughly appreciate good coffee. We can tell the difference between Starbucks and fancy coffee, so I get the appeal to invest in proper gear for your home.
I might go crazy and get a fancy coffee maker one day, but not until we're financially independent. French press works just fine for now. Priorities... :)
I refuse to spend money on bottled water. I understand not all areas around the country have the best water but the area I live in, my tap water tastes so good lol. I just find the plastic bottles wasteful as well and just fill up a bottle with tap water wherever I go.
I bought a $15 can opener. When I bought it, I was scared, thought way too much. It's amazing.
Yes! I'm so with you re the icecream - (especially when the kids get half way through it and go 'I'm full' LOL - I live in Australia and 1 scoop is $5 and I can buy a 2 ltr container for that and it lasts us for many deserts!
Spending extra for better quality is a waste if you can’t tell the difference between cheap & fancy.
I'm 100% with you on coffee. my favorite coffee is bodega (max $2.00 for a large). Can't buy anything at a coffee house and enjoy it better than the bodega coffee.
We bought Wendy’s frosty key tags at the beginning of the year. My kids have gotten many free frosties this summer!
Lol totally tell she isn't an extensive cook with the plastic spatula. You 100% get what you pay for when it comes to things like kitchen items.
I melted my aunt’s Tupperware whisk making gravy one Thanksgiving. 😆
Cold stone is where it’s at BUT I would never take children there. Date night ending in good ice cream, perfection!
Ahh, they are SO expensive, most of them in this area went out of business! I agree though, I used to get sweet cream with Oreos, chocolate chips, and chocolate jimmies, it was the best combo!!
I would never take children there, either. It’s too expensive and it spoils them and skews their expectations.
I don't drink coffee but when I do, it's at Starbucks as a frapp. I barely buy those too.
Rachel, I agree with you! I won’t buy almost everything on your list. Especially the ice cream! You can buy ice cream, toppings, the syrups and all things good for ice cream sundaes and make them at home for cheaper and the kids will love it! 😊
Coffee is an exception for me. Once and awhile. It’s an affordable date for my husband and I. We’ll each grab a coffee and spend $10, walk around the city or the pier and just have a nice conversation.
I agree with your frequency and apply it to dinners, etc. When it’s done infrequently I value it more and it feels special.
@@beyourbestselfeveryday391 most definitely!
Coffee is an exception for me too (though I think Keurig is fancy)....I'll buy fancy beans now and then or ask for La Colome coffee for my birthday. What a treat!
Once *in* awhile.
Awesome 👌
Definitely agree with ALL of these! My husband and I were just commenting this morning on how we think it’s neat when people get into a coffee hobby but just give us any ol cuppa joe with 3 kids running around haha!! We didn’t even spend money on a keurig… just a bodum french press I found for $5 at the thrift store!!
I love my French press, too! I got mine for the same amount at Homegoods!
Expensive new French press $1.99. Thrift shop.
I don't even do the cheaped-down version of these things. The only thing I would disagree with would be buying things on sale. If I see an excellent price even though I don't need it at the present time I consider if I will use it in the future. Clothes that are off-season or food that I use that will freeze or store well.
If you call it fancy, you probably don't need it
How important to you is buying organic food, or grass fed meat, and wild caught fish?
You are 100% right about the spa mani and Pedi. They do NOT do nearly as well as the small mom and pop places!! And cost waaaay more!
I totally agree with every one of your items! I’m even too cheap for a “regular” manicure tho. I’m like I can do that myself! I once went to treat my mom, & my 2 girls to plain manicures/pedicures. I didn’t go it bc again it costs too much. It was $200!!
Totally agree...100%
Ok, I thought you were going to share things like don’t get your nails done do them yourself! And Kruirig is fancy coffee, try a drip coffee maker with Foldgers. That aside I really appreciate the link for those that don’t have healthcare. I just found out a family member needs surgery and can’t afford it.
100% agree about the apps and fancy water (I think bottled water in general is a complete scam and I won't spend money on it).
My mom is a total "buy everything on sale" type, she buys so much stuff she never uses just because "it's a good deal", one trait I'm glad she didn't pass down to me 🤣
I haven’t bought myself clothes or really anything in years. But I am a water fanatic. I think it’s because I grew up on a well and now moving to town, it is so disgusting, taste like a swimming pool. I love great, clean, refreshing water.
I have a Brita filter on my kitchen tap and the pitcher. Normally I just bring a bottle of my own with it to work. However sometimes it is more convenient to have store bought water. Then I try to get a generic brand.
Try the PUR. It takes away even more chemicals. WATER BOTTLES ARE FOR HURRICANE EVACUATIONS THOUGH.
I refuse to spend money on things that go in the trash! Paper towels (we have a large gifted collection of dish cloths), period products (menstrual cup-buy once, use forever!), lunch & breakfast foods (make at home lol).
We do spend $15 weekly on Alkaline water in the 5 gallon jugs that we have refilled and I regret nothing! It’s our favorite water. 💦
100% agree for coffee, water and apps. Don't agree about ice cream. In fact, you should make a public apology to fancy ice cream, what a defamation!
I completely agree and practice everything you said here!! I also refuse to spend money on eating steak out; I prefer to buy and prepare at home at a fraction of the cost.
I don't buy bottle water. I have a countertop filter. My water has stuff in it you can see when you revive the sink twist filters. Old pipes
I hate spending money on streaming services…there’s too many shows on different platforms. I can’t afford to pay for 3+ services every month! I remember my parents always complaining about how expensive cable was and it’s the same thing. I just use a $6 DVD player from goodwill my sister got me and buy shows cheap from the thrift store or get for free from the library. It works for me! And then there’s UA-cam as well.
I also am not into a lot of newer shows so I’m not missing out on anything!
I pay for UA-cam premium and Amazon Prime, which has content. Plus one streaming service for shows. Right now it’s HBO and I should probably cancel.
Nice list. It’s interesting how we are all different and value things differently. I’ve spent 0 on jewelry, that’s a giant waste to me. However cooking utensils I want to be good.
@ Alex : agreed 👍
Expensive cooking utensils last a lifetime. Dollar Tree lasts 6 months if you're lucky!
Yeah a, cheap can opener can make my fingers ache, and it takes a bit too long to get it started opening.
Also, I think she meant a silicone spatula, because a plastic spatula sounds melty. Or, the flat turner spatulas are better in metal.
It's annoying how spatula had two meanings
I don't buy sodas or tea at a restaurant, I prefer water with lemon period & it's healthier, not a big fan of bottled water tho for the most part either, as my chilled water at home is just fine & these (sodas, tea & most bottled water) are such a waste of money at $3 or more each, even though I don't eat out often! I can buy a loaf of bread, carton of milk or bag of spinach or even a package of cookies for $3.00 & any of these last at least a week or more & give me numerous servings, instead of a one time drink-so for me it seems very wasteful & definitely expensive at least to my budget & in my opinion anyway! And especially now, since everything has skyrocketed in price & if you are a family of 4, that will add up fast! I try to cut corners when & where possible! I'm not perfect at it & can absolutely do more to conserve I'm sure, but some things are easy & this is one of them for me! But that being said, if you want to treat yourself & can afford it or don't mind spending this for drinks, then I get it & sometimes it's ok & good to splurge, but for this little lady, I will drink the water & I don't feel deprived at all, because I actually like water much better with my meals-But I do understand if your choice is different from mine-God bless you!
GIRL! If you are wondering “what you call those ,MEASURING SPOONS…you know the tablespoon, teaspoon….” you do NOT need expensive kitchen utensils. 😂. Cracking me up!
For all of these, I am on board. I will spend money on sparkling water as long as it's flavor. If it's a special occasion I might spend that extra money at the ice cream shop. But honestly, I usually let my daughters pick the ice cream from the store. Im not a mani / pedi kinda lady. I've had probably 3 in total, and I'm in my 40s. I rather do it myself for self-care. Or spend quality time with my daughter and have a mommy-daughter spa day.
Truly Dave Ramsey’s daughter
I think I have the opposite problem where I generally just feel guilty spending money on myself. Definitely try to save and invest as much as poss but it’s nice to treat yourself too.
As a girl who worked in a special ice cream store, and they paid 7 dollars a scoop here in nz, it gave me gall bladder stones, and made me sick, we now go to the supermarket and get ice cream.
We have fallen into the trap yes of buying bottled water simply because I don't trust the old taps at my work place, I do enjoy, plunger coffee, and I've turned into a coffee snob.
But give me plunger over any other coffee, I work in a cafe so I can get free coffee when they aren't busy and free cafe food on my shift, We don't go out to fancy fine dining because as a chef, I don't find them filling. we go to cheap and easy. or cook at home.
Agree with all, except going out for ice cream. Because that’s an experience that’s worth paying for. Once every 2 months only.
The Tap water is horrible to drink so we get 5 gallon water and fill up our water bottles with it.
Kitchen utensils, we bought real nice expensive ones over 15 years ago when we got married and they’re still going great. Using plastic utensils to cook food is not very healthy.
The one thing I refuse to pay for is parking. Never pay for parking.
parking tickets are more expensive though... :/
I will agree with most of these, but I do have a coffee problem lol I’m trying to make my coffee at home but it’s really not the same 😑I also will but the sales items if it’s the right price especially the 90% off toys after Christmas. I use them for birthdays, next year Christmas and donations to kids in need. So I think it really depends on one’s perspective of the product
Agreed with all those in the list which I don’t buy either. Only thing I do pay per month which is expensive is a Water filtration system reverse osmosis for 49.99 a month that dispenses cold water for our family and the kids.
Definitely agree on most. I have paid for a couple educational apps for my kids and honestly not worth it because their interest is so short lived. I refuse to buy bottled water. Cheaper to replace fridge filter and pack my reusable water bottle.
Greeting cards, wrapping paper and gift bags at full price. Dollar Tree or stock up after the holidays
Agree on all! It's easier now to say No after actually having tried those things earlier in life or when my kids were younger.
Totally agree with all of these! One thing I refuse to spend money on is car washes. I don't have a garage, and all I really need is a good rain storm and my car comes out looking just as good as a car wash. 😉
I don't really like the bottled water, any of them. We do buy it at kroger on sale for when we go on vacations and we don't know if we will like the tap water there. AT home, i refill the bottles with tap water to carry around locally.
I absolutely refuse to spend on a mani-/pedicure in either a "fancy" or a "plain" place... but then I'm a guy LOL. Actually I've always managed my finances well, one thing I used to have but I eliminated 5 or 6 years ago was cable tv subscription. I get most of the tv I watch over the air (there are these things called "antennas" and they are a wonderful invention), through free streaming services, and a couple inexpensive streaming services (that is my "splurge" tv-wise). I like your balance in all this Rachel - avoid spending money needlessly, but ok to have one or two things to splurge on if your finances allow. Love your show, very down-to-earth and good advice.
Gal after my own heart! Fully agree! Gotta play offense and make sure that money doesn't fly away. 💸
I only buy Smart water when I am going backpacking and need the bottle to use! Those are the best bottles…
Oh mylanta I totally agree with most of your choices!!! The biggest thing I've refused to spend money on..... OLIVE GARDEN kids meals. I mean y'all a bowl (cereal size) of plain pasta and a side (handful) of grapes for like $7!!!! That's nuts.
Sounds like it’s better to ask for extra plates and give them some of the adults’ food, or order a meal and split it among them. Giving them part of your meal makes sense if it’s something they’ll eat, because restaurant servings are so large.
Loved this list Rachel
Agree with most happy you could say them out loud
Replace Keurig with Nespresso and I’m with you, Rachel. 100%
For me, the biggest one is expensive jewelry. I refuse to spend a lot of money on it. Having one of each is completely fine with me. Everything else can be costume jewelry.
I agree with the fancy coffee. A good regular cup of coffee ☕ is all I need.
Love you Rachel but I agree with everything on your list but WATER! I AM A WATER SNOB....LOL
Our water in Southern Nevada is yucky. I have to go with my Dasani. Agree with everything else on her list.