Rachel Cruze

Rachel Cruze is a seasoned communicator and presenter, helping Americans learn the proper ways to handle money and stay out of debt. She co-authored the No. 1 New York Times best-selling book Smart Money Smart Kids with her dad, Dave Ramsey.

Five Tips for Keeping The Kids Content During the Holidays

Rachel Cruze, Christmas-Chispa Magazine

Keeping your kids content during the holidays isn’t always easy. Marketing during the Christmas season is everywhere—all over the TV, radio and internet—with most companies doing everything they can to get your kids’ attention. These marketers are smart. They know the easiest way to get to your pocketbook is through your kids—and, at Christmas time,…

4 Ways to Spend Less During the Holidays

Rachel-Cruze-Four-Ways-to-Spend-Less-During-the-Holidys-Chispa-Magazine

With the holidays right around the corner, it’s time to start making your list and checking it twice. As a parent, you want to make this joyous season memorable for your kids. You probably want to buy something nice for other family members as well. And sometimes, with all those people in mind, it’s easy…

Quit the Comparisons Once and for All

Rachel-Cruze-Stop-the-Comparisons-Once-and-for-All

On any given Instagram scroll you might come across a friend’s vacation pic with their feet in the sand, an acquaintance carrying the latest handbag, a relative with a new car, a new house, the perfect family photo. You think, Wow, they’ve got it together! But do they really? Maybe. Maybe not. The point, though,…

Dump Debt and Dump Stress

Dump-Debt-and-Dump-Stress-Rachel-Cruze-Chispa-Magazine

Have you ever been in the middle of a relaxing day—maybe on vacation, at the spa, or just at home with your family—when all of the sudden you felt overwhelmed by all the things you have to do tomorrow? That’s a relaxation killer, isn’t it? Money problems are one of the main issues that will…

Going on Vacation Without Going in Debt

Going On Vacation Without Going in Debt-Chispa Magazine

Summer is officially here. And that can only mean one thing: Your head is probably somewhere else, probably on a beach somewhere, or maybe in the mountains or at Disney World with your kids. Am I right? We always talk about how expensive Christmas season can be with all the gifts, but summertime brings its…

Making Savings a Priority

Making Savings a Priority-Rachel Cruze-Chispa agazine

If you’ve heard it once, you’ve probably heard it a hundred times. You need to save. You need to save. You need to save. We all know that saving is important, but so few of us really take the time to do it. What’s the deal? Usually, we think life gets in the way. There’s…

In the Red

In the Red_Chispa Magazine­_Rachel Cruze

Debt is everywhere in our culture. You can’t go online, shop at the mall, or walk down the street without being bombarded by all kinds of marketing messages encouraging you to embrace debt. They say debt is normal. They say you can’t be a student without a loan. They say car payments are just a…