Start These 6 Money Habits To Help Improve Your Finances
Rachel Cruze: Start These 6 Money Habits To Help Improve Your Finances
Jennifer Taylor Fri, August 22, 2025 GOBankingRates
Your lifestyle might affect your financial future in more ways than you realize. Rachel Cruze, a personal finance guru, money expert and Ramsey Solutions personality, recently shared a video offering advice to help improve your finances — with a minimalist approach.
Sure, you’re aware that you should try to pay off debt, build an emergency fund or improve your credit score, but what day-to-day saving and spending habits could you start to boost your financial health? Here, Cruze has highlighted some ways to approach small financial decisions that can be implemented to simplify and improve the bigger picture of your finances.
Simplify Your Schedule
Too much rushing around and being busy affects your money and peace of mind, Cruze said. This isn’t healthy for you, so she advised scheduling your life more intentionally.
Slowing down can help improve your financial situation in a variety of ways. For example, you might have more time to make dinner, meaning you’re spending less on takeout. Or you could slow down when shopping to save another swipe on your credit card. The term “slow shopping” means thinking about each purchase carefully before buying, which can help pad your savings account.
Spend Money on Experiences Over Possessions
Instead of constantly using your money to acquire new possessions — especially those you don’t need — Cruze advised spending it on experiences. She said experiencing things with people you love will make you happier. Keep that in mind the next time you are creating a budget.
“Stuff will not bring you joy,” Cruze said.
Of course, she emphasized that you also need to make sure the experiences you book fit into your budget. She also noted that it’s fine to have some stuff, but just avoid continually buying things, as doing so won’t make you happy.
Live on Less Than What You Make
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