40+ Resources For Living a Rich Life on a Budget! (2024)

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Here is my master list of resources I use to help us live a rich life on a budget!

Saving on Everyday Expenses

Schoola& Swap.com & thredUP– My go-to sources for quality secondhand clothing. I buy 90% of our clothes from these three sites and I LOVE them! Here are more details on each of these sites.

Ibotta – The app I’ve used to save $370 on groceries I was buying anyway. Read all about it here.

Shell Fuel Rewards – the super-easy way I save $0.06 per gallon every time I fill up! Learn how to use it here.

CardCash – The site I use to get discount gift cards on a VERY regular basis. I use these anytime possible to save on eating out, getting craft supplies and gifts at Michaels, and more.

Sworkit – the free app I use to get workouts in at home. It’s like having a personal trainer in my living room for free.

$5 Dinners Meal Plan – You can try it free for two weeks then it is only $5 per month for cheap, healthy, easy dinner recipes. The best and most affordable meal plan that can save you hundreds of dollars every month on your grocery bill!

Boxed.com – a great alternative to Amazon and Costco for low prices on everyday items. Get $15 off your first order of $60 when you sign up with my link!

NatureBox – get $20 in free snacks when you give NatureBox a try (it is easy to cancel online if you don’t want to continue)

Swagbucks – My go-to way to earn money for web searches and on cash back offers. I’ve earned over $250 in gift cards and cash with VERY little effort. Get a $3 bonus when you get started here.

Budgeting & Finance

Capital One 360 Savings Account – I LOVE this fee-free online savings account because you can set up multiple sub-accounts and automate your savings! I have an account for my short-term savings goals and automatically add to them each month from my checking account.Open your free account here.

Ethos Life Insurance – I quadrupled my coverage for only $8 more per month and it was super easy – read my honest review of Ethos here

Credit Sesame – I use this free service to monitor my credit score and my debt payoff progress. Read my full review here.

Amex Blue Cash Everday – My recommended cash back credit card for everyday expenses. It’s a no annual fee card with a $200 sign-up bonus that earns 3% back on groceries! Read my full review here.

Credible – If you have student loans, you may be able to save a bunch of interest by refinancing them with Credible. I am in the process of reviewing their service myself and will share that experience in a post soon.

Personal Capital – A free tool for wealth building! You can measure your net worth (something I am working on building) among other powerful tools.

Affordable Travel

Southwest Rapid Rewards Credit Card – My #1 card for cheap travel. Earn over $900 worth of free flights from opening one credit card! Learn more here.

Orbitz – I’ve used Orbitz promo codes to save an extra 15% off of hotels many times. They don’t work on chain hotels but work everywhere else (including Disney hotels).

Priceline – I use Priceline often for last-minute trips. Their Express Hotel deals are great but narrow results to include only those with 80% recommendations and above!

Autoslash – I’ve saved hundreds on car rentals thanks to this site that seems to always deliver the lowest prices on car rentals.

Walt DisneyWorld

Free Disney Vacation Planning Video – Get access to videos filled with vacation planning advice straight from The Mouse here!

David’s Vacation Rentals – Renting DVC points is the #1 way to save thousands on a Disney World vacation. David’s handles everything for you and makes renting pointsso easy (read my full guide to renting DVC points here).

Undercover Tourist – my recommended source for discounted Disney World tickets plus the best savings on a room-only reservation for more than two people in a room.

Orbitz – If you want to stay at a Disney resort and have one or two people in a room, you can save an extra 15% using Orbitz promo codes. These codes will work on some off-property hotels as well, but only if they aren’t chains.

Destinations in Florida – My recommended Disney expert travel agents. You can get help making dining and FastPass reservations all at no additional cost to you when you book with them! Get a free quote here.

Disney World Scavenger Hunt – this download will add SO much to your vacation and it is only $9.95!

Disney Dining Plan eBook – get my best-selling Kindle eBook on the Disney Dining Plan for only $0.99!

Free Printable Disney Daily Vacation Planner – Check out this super helpful printable for planning each day of your trip!

Disney Reward Visa – Earn a $200 statement credit after you spend $500 plus get great perks at Disney World

BJ’s – Get $100 Disney gift cards for $96 each with free shipping (you don’t have to be a member). Use them to pay for dining, park tickets, your balance due on your package, etc. Read more here.

Target Red Debit Card – You can use this debit card to save 5% on Disney gift cards and supplies for your trip. Doesn’t affect your credit score and comes right out of your checking account.

Blogging on a Budget

A2 Hosting – my US-based recommended hosting company with amazing customer service and plans that start at $3.96/month. Read more about A2 in this post.

Affordable Themes on Etsy – I’ve bought both of my WordPress themes for under $30 on Etsy and I love them. Check out all of the ways I blog on a tight budget here.

Fiverr – I’ve used Fiverr, a freelance marketplace, many times when I’ve need technical support on the blog.

Canva – The free online graphic design program I use to create all of my graphics

MailChimp – The first email newsletter service I used. It’s free up to 2,000 subscribers and easy to use to build an email list.

MailMunch – I use MailMunch to design my newsletter sign up forms and delivery my freebie to new subscribers. The basic features I use are totally free!

ShareASale –My favorite affiliate network because of how easy it is to use and the great programs it offers. You can sign up to make money with ShareASale here.

FlexOffers – This network includes over 11,000 advertisers so it’s easy to join multiple programs and meet the minimum payout every month. You can signup for a FlexOffers account here.

40+ Resources For Living a Rich Life on a Budget! (2024)

FAQs

How did Ramit Sethi get rich? ›

Most of his wealth is created from his online businesses, including I Will Teach You To Be Rich, Growth Lab, premium online courses, etc. Ramit started his blog IWT (I Will Teach You To Be Rich) in 2004 while studying technology and psychology at Stanford. He started his online journey selling a $4.95 eBook.

How much money do you need to live a rich life? ›

Based on that figure, an annual income of $500,000 or more would make you rich. The Economic Policy Institute uses a different baseline to determine who constitutes the top 1% and the top 5%. For 2021, you're in the top 1% if you earn $819,324 or more each year.

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What is the 40 30 20 10 rule? ›

The most common way to use the 40-30-20-10 rule is to assign 40% of your income — after taxes — to necessities such as food and housing, 30% to discretionary spending, 20% to savings or paying off debt and 10% to charitable giving or meeting financial goals.

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How to spend money on Ramit Sethi? ›

Conversation

Fixed Costs Should be roughly 50-60% of your take home (after tax) pay. This includes everything like rent, mortgage, groceries, any debt you are paying off, etc. ...
Savings 5-10% of your take home pay.
Investments 5-10% (although I'd love it to be higher) of your take home pay.

Nov 22, 2023

Who is Ramit married to? ›

Cassandra Sethi

Ramit Sethi / Spouse (m. 2018)

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What bank does Ramit Sethi use? ›

✅Capital One 360 (capitalone.com/bank): This is the savings account I use.

How much money is considered middle class? ›

What does this all mean? By the Census data, it means that if you earn between $50,000 and $150,000 a year, you are considered middle class. It's a pretty straightforward answer, but it isn't particularly helpful if you're trying to climb up out of a lower income bracket into the middle class.

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How much money in your bank account is considered rich? ›

To feel wealthy, Americans say you need a net worth of at least $2.2 million on average, according to financial services company Charles Schwab's annual Modern Wealth Survey. But even if you have that much in the bank, it might not be enough to be considered rich in certain places, the survey found.

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What salary is considered rich in the USA? ›

You'll need to earn more than half a million annually to be considered among the highest earning residents in 11 states and Washington, D.C.

What is the 10 rule for saving money? ›

The 10% rule is a savings tip that suggests you set aside 10% of your gross monthly income for retirement or emergencies. If you still need to start a savings account, this is a great way to build up your savings. You should create a monthly budget before starting your savings journey.

What is the 40 20 40 budget? ›

The 40/40/20 rule comes in during the saving phase of his wealth creation formula. Cardone says that from your gross income, 40% should be set aside for taxes, 40% should be saved, and you should live off of the remaining 20%.

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Where do millionaires put cash? ›

Cash equivalents are financial instruments that are almost as liquid as cash and are popular investments for millionaires. Examples of cash equivalents are money market mutual funds, certificates of deposit, commercial paper and Treasury bills. Some millionaires keep their cash in Treasury bills.

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How to budget money like a millionaire? ›

How To Get Rich

Start saving early.
Avoid unnecessary spending and debt.
Save 15% or more of every paycheck.
Increase the money that you earn.
Resist the desire to spend more as you make more money.
Work with a financial professional with the expertise and experience to keep you on track.

Apr 11, 2024

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What is the money dial theory? ›

Money Dials are an easy way to diagnose what you claim is important vs. what is actually important. In a nutshell, your money dials are the things that you are willing to spend extravagantly on by cutting back mercilessly on the things you don't care about.

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What are the criticisms of Ramit Sethi? ›

Some readers have criticized Ramit Sethi's focus on high-earning individuals, saying that his advice may not be as relevant or applicable to people with lower incomes. However, others argue that his principles can be adapted to any income level.

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How did self-made millionaires get rich? ›

Self-made millionaires tended to rely on capital appreciation from investments — as well as salary, stock options and profit-sharing. Those who inherited their wealth were more likely to cite entrepreneurship or real estate.

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How to get rich on Netflix Ramit? ›

Finance expert Ramit Sethi works with people across the US to help them achieve their richest lives. Watch all you want. Ramit Sethi charts a path to financial health in this series based on his bestseller, "I Will Teach You to Be Rich."

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How did the wealthy get their money? ›

These top earners receive most of their income from investments — such as interest, dividends and capital gains — and businesses, which often provide better tax treatment, experts say.

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