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From costly marketing gimmicks and unnecessary impulse buys to hidden budgeting mistakes—in this episode, I'll share smart "spaving" tips, effective budgeting advice, and what's truly worth your money.

In This Episode:
·      Does Spending Money to Save Money Actually Work?
·      Why Do We Buy Things We Don’t Need?
·      4 Ways You’re Ruining Your Budget (Without Realizing It)

Next Steps
·      🎥 Watch my video where I reveal the money trap I fell into and share ways to avoid it.
·      🛍️ Check out my video on the 7 things I won’t be buying this year.
·      💵 Go to my video about 5 lessons I’ve learned from budgeting.
·      💸 Learn to win with money by enrolling in Financial Peace University.
 
Offers From Today's Sponsors
·      🏥 Learn more about Christian Healthcare Ministries.
·      🧩 Use code Rachel20 for 20% off your TruPlay annual subscription.

Listen to More From Ramsey Network
🍸 Smart Money Happy Hour
🎙️ The Ramsey Show  
🧠 The Dr. John Delony Show
💸 The Ramsey Show Highlights
💰 George Kamel
💼 The Ken Coleman Show
📈 EntreLeadership
 
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