Things We Won’t Spend Money On In 2024 (with Minimal Mom)
Вставка
- Опубліковано 16 січ 2024
- Things We Won’t Spend Money On In 2024 (with Minimal Mom)
Order my book, "Know Yourself, Know Your Money"! bit.ly/2LIclKS
Ramsey Solutions Privacy Policy: www.ramseysolutions.com/compa...
Dawn is like everyone's best friend!! She is so encouraging and loving -- really spreads a message of hope and peace. Thank you, Rachel, for hosting her!
these two ladies are my favorite!
Years ago, watching Dave, I thought I'd never get to the point where I could give generously. At 74 years with no debt at all and 2 grown children who have advanced medical degrees, my husband and I love to be able to give money to specific people we know who are deserving and need a little help. A thousand dollars to a waitress who needed a new car, a few thousand to a family for Christian school fees, a few thousand to a young lady to help with college costs, a thousand to a young violinist who could just use some supplemental income...these are a few of the pleasures of being debt-free. There was a time when I didn't spend 15 cents for a soda, because it seemed like a lot of money to me. That's how we are able now to bless worthy friends. Totally worth it!
Love this!✨️
👏👏👏❤️
This is awesome--just think of the difference you have made for the people you have helped.
I'm big on this. In previous life, my income outweighed my debt. I was in my 30s with one young son living a white collar life. But, I maintained my blue collar budget (plumbers daughter) so that one day I'd have money to a sare with young people. Unfortunately, a forced divorce from someone harmful upended that dynamic -- forced me into a mortgage. I'm almost 40 now, but hope to get back to place in which im well positioned to give.
Yes, the churches were really promoting Dave Ramsey. The problem I had was that most churches were not following the same principals. They borrow money for additions they don't need, etc. The only problem I have with these suggestions are the plugs for Target and Amazon. Why not buy less but spend the money at a small business owner. I do like the idea of thrift stores.
When my kids were young and we wanted to go to a nicer restaurant, I would feed my boys dinner at home and let them order a dessert at the restaurant. We would have the waitress, bring out the desserts when they brought out our meals. They had already eaten at home so the waiting was easier on them and they were happy and excited about picking something out. The boys sat quietly enjoying their special desert and my husband and I were able to really enjoy our meal. I hope this helps someone.
We did the same when our kids were younger. Why should I pay 5x more for chicken nuggets???
Well done. Kudos!👏
This is the best idea ever! I will implement it when I get my own kids
My kid is 14. Before Xmas, he literally said to me, "I don't care if there's nothing in the boxes, I just like to open stuff!" That took a bit of pressure off tbh.
What a nice boy you have. You must be a very good mother.
I'm 74, never had my ears pierced.......l don't have a vehicle, I can walk to the grocery store, or uptown.....paid off my mortgage...my
internet costs $9.95/mo.....don't need jewelry, my last name is "Jewell", and I shine.....
What internet provider do you use @ $9.95 month?
@@SGuzman-dt9fkprobably Internet Essentials thru Comcast for low income
I kept my paid off mini van for 13 years while I saved for another used car, which I paid cash for. Mortgage paid off, college tuitions paid with 529 funds, thank-you Lord !
We are not spending money on things that aren’t on our list in the grocery store.
This is my goal, I find it so hard when things catch my eye!
lol..this right here is my guilty activity. I have a plan, and than zap, add one or 2 more things. whyyyy😩
I truly need to get on this because is just not about money, is about keeping our home clutter free.
Yay for minimalism! 🎉 makes me want to trash all the junk in my house! 😂 so grateful to hear of other women who aren't buying the next trendy thing. Make saving money trendy
"This is the year of using everything up." Yes! I'm starting with the smallest quantity of each type of thing: almost empty shampoo, conditioner, lotion, cleaners, etc. I have way too many things that do the same task. Some need to be finished and tossed.
Where has everybody been? I was raised to use things up completely.
I really liked this too. We have a lot of shower gel for example and I like the idea of emptying that cabinet. I for sure seem to stockpile soaps and what not the most.
Love this!!
I’ve started to ask myself “if no one knew I was buying this and no one would see me owning it would I still want it?” This helps me say no to the “it” things that seemingly everyone has. If I’m buying it to impress people I shouldn’t be buying it!!!
That is a great one and really shows how much of what we buy is to impress other people or conform to other's expectations.
😆😆😆 bras...
Both lists:
Dawn’s list:
- Rugs
- Microfiber towels
- Gimmicky kitchen appliances and cleaning products
- skincare, perfume, lotions, candles etc.
- jewelry
- unnecessary home decor and functional
- fake plants
- kid toys and crafts supplies
- subscription
- workout equipment
Rachel list:
- Cups
- nice kids clothes
- jeans
- target dollar section
- nice restaurants with the kids
I completely agree, I have to unfollow so many influencers because of their promotion of overconsumption for every holiday, season, event. They buy so many things and it seems wasteful and expensive!
I agree. I love one particular influencer and she often buys clothing in multiples if she likes different color selections. I used to be so interested but it seems wasteful and almost wrong when you think of some of the world that have no shoes or warm clothing. Of course it’s entertaining but recently has struck me as almost foolish
You are sooo right. It is insane, the amount of money they spend on decor.
I've had to quit watching clothing haul videos ... It causes me to buy things I don't need and will be just fine without. I always think I will wear something but never do or only wear it once. So wasteful.
Waste of time too to be following influencers who often seem disconnected from reality
I have a 3 fund portfolio consisting of 33% S&P, 33% Total stock, and 33% international. I feel a need to focus on complete growth so I went 100% stocks, but does the SP500 and TSM overlap too much to make sense holding both? However I’ve been in the red for a month now. I work hard for my money, so investing is making me a nervous sad wreck. I don’t know if I should sell everything, sit and just wait but watching my portfolio dwindle away is such an eye -sore.
you’re right! The current market might give opportunities to maximize profit within a short term, but in order to execute such strategy , you must be a skilled practitioner
That's a great analogy and I love the insight. Professionals could make a really big difference in investing, and I think everyone should have one. There are aspects of market trend that is difficult for the untrained eyes to see.
@@hunter-bourke21 Do you mind sharing info on the adviser who assisted you?
Well, there are a few out there who know what they are doing. I tried a few in the past years, but I’ve been with *Gertrude Margaret Quinto* for the last five years or so, and her returns have been pretty much amazing.
My needs are kind of unique and complex. I'll contact her nonetheless, and I hope I'm able to make something out of it.
I’m proud of myself, I’ve been living minimalist ever since I’ve moved out of my moms house when I was 19. No need for overconsumption. I’m so glad everyone is opening their eyes about this.
I took my acrylic nails off and will only get pedicures in the Spring and Summer. Also, eating out less
I just purged 25 years of Christmas decor this year because I watched Dawns vlog. she is amazing!!!
Dawn & Rachel - your collabs are always awesome. You should do a BOOK together!!
So glad when Rachel has Dawn on her show! Love them both so much!!!
Two years ago I committed to using all of my hair products, regardless if liked them or not. If I bought it, I was going to use it. To this day, I still have stuff to use! I’ve had to buy the basics like shampoo and conditioner but apart from that its been so helpful to clear out what I had!
Me too! I didn’t let myself buy more products until the like-products I already had were completely used up! Took me well over a year!
In traveling and collecting hotel size shampoos and soaps. They don't collect dust anymore. I will donate to shelters , recently to teen challenge where my son was for a year.
Me too 🤝
I stopped going to target all together and have saved quite a bit.
Microfiber is made of plastic but so it polyester, rayon, etc in all of those synthetic clothing materials. I try and focus on purchasing merino wool, cotton and other natural fiber clothing and home products for my family. You can find them for good prices if you look! I just purchased a rug for my living room for $130 and it was made of wool.
I didn't know that before watching this video, and was just about to order a set of microfiber towels from Amazon. Thank you for the information.
Sweet ladies - PLEASE don’t promote TARGET is any way/shape or form
Two of my favorite ladies. Every Monday with Rachel’s podcast. Every week with Dawn’s podcast or videos. Dawn gave me permission to let go of physical and mental inventory. Thank you!
Most small house plants are about the cost of a decent bunch of flowers. If they die after a while, still reasonable value!❤️❤️
You’re still shopping at Target?! Come on now
I LOVE seeing Dawn collab with the Ramsey team! The Minimal Mom is one of my favorite channels -- she and her friends' decluttering channels are so empowering! Sometimes your mess can seem so overwhelming, but Dawn does a great job of breaking it down and giving you practical tools for success.
Don’t buy dryer sheets, laundry scents, fabric softeners and plug-in scent things! Open windows for fresh air!
I find the older I get less is more. I don’t have to follow the trends I decorate and dress with what I like. Took me a while to get to this way of thinking.
I agree with all of this.
I really need to get some weight off but instead of getting a gym membership or new workout clothes at this point, I’ve just made a paper chart for me to track my activity and I’m using Apple Fitness videos which are free to me.
Even though I’m super uncoordinated I am enjoying the dance videos and even if I’m not following the moves 100%, I’m still moving and burning calories!
I'm a bit older : D but AARP has Silver Sneakers workouts for free and utube has many free workouts too.
The whole point of wealth for me is freedom. My magic number in my mind is 5 million needed at 65 to not worry about anything. Am i better off investing a good portion of my income into stocks or saving my earnings to achieve this goal?
Varied sources of income is wise and especially living within your means. My net worth is $2M and I can pay my bills with no stress, but I don't live like I have that. I have no complaints.
Quite true! You don't necessarily need to be a flawless investor; all you need to do is seek advice from an expert. I began investing in 2016 and pulled a profit of roughly $370k the following year despite having no prior investment knowledge.
How can I reach this adviser of yours? because I'm seeking for a more effective investment approach on my savings?
'Vivian Carol Gioia' covers things like investing, insurance, making sure retirement is well funded, going over tax benefits, ways to have a volatility buffer for investment risk. many things like that. Just take a look at her full name on the internet. She is well known so it shouldn't be hard to find he
Her name is “Vivian Carol Gioia” can't divulge much. Most likely, the internet should have her basic info, you can research if you like
I had an Ah-ha moment when you talked about clothes and then our homes Dawn!! We need few, easy to care for pieces that are versatile-just like your jewelry!!! Love it!!
When we first got married I told my husband that I’d like to “invest” in good luggage. He asked me, “Are you planning on being able to sell it for more than you paid for it?” (I thought, “what are you talking about, of course not.”)
Apparently, he only uses the words “invest or investment” for things that appreciate in value. It sounds kind harsh, but it’s helped me to keep my thinking straight concerning real spending. (And not trying to justify buying things as an “investment.”)
The thing I would agree with about “investing in good luggage” is that it will likely outlast cheap luggage several times over, thereby not adding to the overwhelming amount of stuff that keeps adding to our landfills which hurts the environment. I believe in spending/investing in higher quality items that will last.
I agree with the “i have what I like and I don’t need anything new”.
I love all of these! i actually like to take the opposite approach with my clothes now (not the kids of course I am talking about myself). I "invest" in high quality long lasting pieces that will last multiple years! I have thrifted majority of my denim and cashmere. If my size changes or I get sick of something, I donate them back. but Ive gotten really good at determining the quality of an item by looking at the fabric, stitching, brand, etc. :)
I love artificial plants. They bring a feeling of nature. Also, I have a cat who destroys live plants. I’m retired and home all day. I like some decor for my eyes to look at. Brings me joy. I have decluttered so much old decor that I used to switch out. Now I keep and display only what I truly love. No need for excess. Dawn is so right about creating space in your kitchen cabinets. No more playing tetris with dishes.
When we visit cemeteries now it's dollar store to buy the artificial flowers. They last longer look when placing and cheaper
Good quality running shoes are not simply part of a cute outfit. You need to start with good shoes that cost more money to protect your ankles, your knees, your hips, and your lower back. They are important equipment. Please do not run in cheap shoes. Don't wait until after you run to reward yourself with running equipment. Buy good shoes.
After I had my son literally none of my clothing fit or things were stretched out and ruined from being pregnant. Something about starting from scratch with my clothes felt so amazing! I have a lot fewer items but I feel great in every I own, it's all on trend, fits well, and getting dressed is fun now!
I never could get into microfiber. I detest the way it feels. I use Swedish dishcloths 😊
Yes! My hands are really dry and the feeling of those towels is soooooo....cringy!😆
We stopped spending a lot on unneccesary things a few years ago. Due to a high expensive necessary item, we had to. Sticking mostly to things needed and try to get those wants on special days and birthdays. Got new thermal blackout curtains for Christmas and wow what a difference they make. Rooms have never been so warm even with plastic wrap on windows.
No restaurants! The food isnt typically as good as a good home cooked meal 😋
Do you like cooking? Because I don't. I am not going to learn how to make all sorts of ethnic cuisine and try to source unusual ingredients when I can go out for a nice restaurant meal from time to time.
I love decorating by using pillow covers! Saves money & space!
Thank you both for your great suggestions!
Amazing Thrift Stores have the best stuff!! Consignment shops, too! WITH TAGS STILL!!🎉🎉
I didn’t know this about microfiber towels 😮
I understand this is the same with synthetic clothing fabric also.
I love Minimal Mom! Dawn's one of my faves!
I started cleaning cabinets and using everything we have - shampoos., etc combining small bottles into a reused bottled.
Dawn and Rachel , you guys are amazing! Thank you for the tips, it’s great to hear I’m on the right track and to get more tips! ❤
I’ve resolved to spend less on my personal appearance. Less on makeup, no longer dying my hair, and doing my own nails.
Thank you! All these things make sense and I certainly needed to hear it.
Yes avoid target shopping, what about Wallmart? Anti-Christian stores do not need to be on your list of stores !
Do you know that there are a lot of wonderful people who are not Christian? There are a lot of different religions in the world, and even within the United States.
I have become the queen of finding great furniture & home goods off of Marketplace. I found gems that have pulled my home together better than if I had planned it... LOL
In 2024, my goal is to become more minimalistic with other areas in my life.
Yeah! It’s so easy to find good stuff.
I’ve been focusing on decluttering but now you have challenged me to cut back on spending. Thanks ladies!
Frigging love when you guys get together!!!!!
Yay! Love you two! Dynamic Duo. Cheer us on! Lead the way.
Always love seeing two of my favorites hanging out together! Love this!
Dawn is such a blessing!! I’m so glad to see you guys collaborating!! ❤
Thank you for this post.
One of the best videos I’ve seen in a long time…thank you!
Aww, you both are amazing and inspiring! Thanks for the encouragement! ❤🙏🏻
Two of my favourite ladies!! Thank you for all the wonderful & helpful content you both share 💕
Hi Rachel and Dawn I am enjoying this video. I appreciate your thoughts. Especially having live plants. I’ve had a plant or two in my home for years. I really got into plants in 2020 and have enjoyed them since! They really bring life to a home. The other thing I will be getting some new jeans because last year I didn’t buy any new jeans. Love it!
Two of my favorite youtubers!!! Yay!!!🎉🎉😁
I love both of these channels, glad to see Dawn here.
We cut our TV bill we was paying more for TV then for the internet and our grocery budget down to $250 a month it just my husband and I. and selling everything I can and putting on our car loan.
Love listening to Dawn, she’s so refreshing! Enjoy your channel Rachel
I've done both extremes when it comes to stuff. This year, I want to trust myself. I have built up my "saying no" muscles. When I truly want something I want to buy it or do it without feeling guilty.
Love to watch Dawn on your show. I watch every video Dawn does. I like all your list, I have a lot of the same I have been thinking about not buying this year.
Love Dawn!! She’s such an inspiration towards minimalism. So down to earth!
I loooove Dawn! Helped motivate me to get rid of clutter. Then I don’t double-buy stuff! Managing our “stuff” got easier and trying to cut the budget is easier with the extra time spent on tidying….😊
I always enjoy these two together and separately. I would love to know were Dawn got her sweater and jeans. Thank you
Love how down to earth you are. I'm.doing a life purge. Having huge garage sale in spring, selling what I can. Trying not to buy anything one in one out.Great list ...love it. Appreciate you ❤
I absolutely adore Dawn. 😀💖. Great show Rachel.
Two lovely ladies sharing great ideas together. Love it!!! Thank you. YOU are both positive influencers - encouraging us to love where we are, not what you can manipulate us to purchase.
Dawn is one of my favorite UA-camrs! Love her tips and advice.
I do not shop at Target. They allow theft and pass the cost on to the paying customers. 😡
My two favorite ladies!!❤❤
I so agree with Dawn. I love to wear things out and get my moneys worth no matter what I paid for it. Having things with tags still on is a sin. I’ve done that too but stopped a few years ago!
Two of my faves in the SAME video!!!! Thanks for the great ideas!!!!
Fantastic collaboration! Hi Dawn! ❤️
Love you two together! Thank you for the simplistic approach to home and happiness!
My 2 favorite people on UA-cam together ‼️😁 ❤
Love this!
I have followed Dawn's YT channel so it's nice to see her collab with Rachel whom I also follow
I could listen to Rachel and Dawn chat all day. They are so refreshing and inspiring to listen to. I definitely will give any purchases more thought this year.
Thanks ladies!
Hey I love this! I've just recently started watching Dawn's channel this year and her videos have been SO helpful. I love her cleaning suggestions as well. Im also done wirh buying nice clothes for my kids. We usually do new shoes and a couple new items but then every season we also go to a thrift place together where they try on and help pick things out. Some things still have tags on them! Its so much cheaper!
I'm a huge fan of you both so it's great to see you together!! ❤
For 2024 I'm trying not to replace things that break. So far it's been a humidifier, rice cooker, and soap filled scrub brush. I am practicing the art of going without and finding ways to make due with what we have. 😊
Love that Dawn and Rachel are back together. Wooohoooo! Thanks so much Ladies!!!
I just re-gifted 3 quality jewelry pieces to friends for Christmas. Then I had friends who gifted me a Brighton bracelet, and another gave me jade earrings & a ring. I need to re-gift more jewelry this year.
yes, to no fake plants!!!! so many real ones are great for our air quality. even in winter, it's silly to buy fake flowers when we can easily clip some type of evergreen or holly and throw in a splash of color with something we already own, or leave it as is. i love all your ideas! thanks for sharing!
Dynamic Duo! You two should do more together!! I learn so much from you!
Hi ladies! I love listing to your shows. Cutting budget and I will try not to buy on emotion. I do not have rugs in my house, just door Mats. lol 😂
Love to see Dawn on Rachel’s show- thank you to both of you for your great advice xx
Laundry products: Breeze sheets for washing clothes, less clutter and wasteful jugs that land in out landfill.
Thank you for bringing Dawn on your show. I just recently found her and love her personality.
The Target Dollar Section? I don't even shop at Target and it's about 10 miles from me! LOL
Great video and amazing advices.. I follow all of them.
The workout equipment one is so true!! I started some great workouts and routines in 2023 and now my reward is workout clothes that I actually use.
Thrift shops are great for getting exercise equipment. Have a stationary bike has a speedometer, that works also great $20 buy
We need this video from a man’s perspective on George’s channel. I go down bad rabbit holes of wanting desk set up accessories for work like new monitor light bars and clicky keyboards and microphone audio for zoom calls. Wanting new tools, new guns, new fishing rods when you don’t need any of it because what you have is perfectly fine.
Yeah! Things I won't spend money on this year as a Dad: 1. New video games. Look at that Steam Library! I've already got tons. 2. Car care stuff. 3. Brand new shop tools - used is much cheaper. Or sell some of the ones I don't use. 4. Dog toys - no matter what I buy they get destroyed in minutes. The dogs get more play time out of a deer antler or interesting stick.
Love this, minimal is the best.
Love you guys --a great Tag Team❤
1-In 2023 I vowed to use up all of the cleaners we have on hand b4 purchasing new!
2-Good to learn about microfiber cleaning cloths-thanks!
3-In 2024 - I plan to stock up on TP!! Possibly other products such as canned goods, beans, etc.
The dollar spot section at Target always gets me! LOL I went a couple days ago and was so tempted to get all the cute stuff for Valentine's Day LOL
I totally agree about starting the workout habit before rewarding yourself. I started working out at home then got a gym membership after I realized I really liked working out. Now I’m looking at new workout clothing.