6 Simple Ways To Become More Disciplined With Money, According to Rachel Cruze

6 Simple Ways To Become More Disciplined With Money, According to Rachel Cruze

Ashley Donohoe  GOBankingRates   Fri, December 19, 2025

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

If you’re not disciplined with money, you’ll likely find yourself stressed and unhappy about your financial security and struggle to achieve your goals and grow your wealth. However, you can take steps to become more aware of your financial situation and avoid unwise spending decisions.

In a recent YouTube video, money expert Rachel Cruze discussed these six simple ways you can improve your financial discipline.

1. Follow the 24-Hour Rule

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

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

2. Check Your Bank Account Daily

While the thought of looking at your bank account daily might not excite you, Cruze explained it’s important for understanding what’s happening with your finances, both good and bad.

Checking your transactions allows you to recognize where you’re overspending, how much money is coming in and whether there are suspicious transactions to report. Plus, watching your account balance can help you avoid overdrafts, which can result in fees and other problems.

3. Track Your Transactions

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

TO READ MORE:  https://www.yahoo.com/finance/news/6-simple-ways-become-more-132204399.html