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Forum » Random ways to save money
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Thread: Random ways to save money

post 1617778601 09-27-2020, 08:33 PM
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#31
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one of the best ways to save money is to make more money.
post 1617778751 09-27-2020, 08:36 PM
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#32
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Originally Posted By Ironmanlet⏩
You pretended you did the things you advocated.

Did you do them?


Did you buy neighborhoods instead of houses?

Did you pay cash for everything?

You frauding bro.


And trying to make me look like the ass hole for calling you out.

Like I said, lying narcissist.
Yes

Yes, eventually

No- use debt but only the type you can get cheaply (eg no car loans because the interest rate is more than it’s worth) Debt secured by property is the cheapest debt

Ok

Sure thing

Y u mad tho
post 1617780271 09-27-2020, 08:57 PM
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#33
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Steal toilet paper from public bathrooms
post 1617780811 09-27-2020, 09:04 PM
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#34
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Originally Posted By Visel⏩
- Need a new big purchase? Buy something 2-3 years old to ensure modern features, safety, quality, performance but at a hugely reduced price compared to current year's gen. Applies to vehicles, PC components, phones, accessories, etc. Revolutionary features/changes may overrule this though for you.
This is a big one. Let someone else cop the depreciation
Plant the trees in whose shade your grandchildren will play
post 1617781261 09-27-2020, 09:10 PM
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#35
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Originally Posted By moosik85⏩
This is a big one. Let someone else cop the depreciation
*except in the case of investment properties, as it’s a paper-based tax deduction that doesn’t actually reduce the sale price of a property especially in relation to accelerated depreciation items

**applies in Australian tax system
post 1617781441 09-27-2020, 09:13 PM
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#36
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Learn where every bill you earn is going via budgeting, aka Envelope system. brb making 2 grand in 2 weeks, so bills are divided up into envelops where i put how much it costs into it, along with play money, money for car problems, etc

https://www.daveramsey.com/blog/enve...stem-explained


Use the "If you can't buy it twice you can't afford it" line to double money, or even triple your money on purchases before buying it so you actually have cash left instead of being broke....The majority of everyday purchases not talking houses n big investments So if tinted windows cost 200 for example, if i got 600 saved up for that specifically in the envelope, we good.
"You can trai as had as you want to, but witout the right fel supporting your training and recovery, you will never see the resuts that you should."-ron Man

Oh by the wy...Size f*ckng matters, in everything. Don't believe the hype. Size f*ckin maters. Size DOESN'T matter to peope who dont have any size, that's why they'r like "oh size doesn't mater". SIZE, GIRTH, THICKNESS, EVERYTHING. Its a game of inches in life..add up all those inche, Victory muthaf*cker!-Gre Pitt
post 1617782201 09-27-2020, 09:23 PM
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#37
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Control needless consumer spending - oh I need a 2k phone, or I could buy last years model @ fraction of the cost. Cigarettes, alcohol, take away food all of this can eat up an income. If you're struggling then you have no room for moderation, cut these out completely. Also secondly, utility usage reduction. Shorter showers, not having every light on etc. You could trim a few thousand a year on bills with just some small sacrifices.

Make a simple spreadsheet to tally up your monthly costs. Living, expenditure, utility bills etc. Every month check what your previous bill was and see if it's less this time - no an absolute science because of Seasons etc.

But the reason why so many people don't have much money is they are poorly educated and cannot keep up a regiment with spending. All of this requires constant discipline.
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post 1617782301 09-27-2020, 09:24 PM
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#38
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learn to cut your own hair. Saved me thousands.
Cobra Kai never dies!
post 1617782421 09-27-2020, 09:26 PM
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#39
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post 1617782671 09-27-2020, 09:29 PM
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#40
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Don't spend money
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post 1617783111 09-27-2020, 09:38 PM
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#41
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Originally Posted By backinthegymbro⏩
learn to cut your own hair. Saved me thousands.
BITGB - might be joking. But I actually do cut my own hair. It has probably saved me thousands by now, srs.

I really believe meal prep saves me a lot of money. I enjoy cooking and I freeze a lot of yummy meals. I hardly EVER buy lunch (office-cel). And I don't usually buy coffee. I ride my bike to work, and that saves on fuel & parking.

I hardly ever buy new clothes. And because of my job, I haven't had a phone bill for .... almost 9 years. I don't own a computer, phone or tablet (work provides me with all three).

Have never, ever borrowed money (except student loans).
worse things happen at sea
post 1617783331 09-27-2020, 09:40 PM
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#42
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be single
post 1617783481 09-27-2020, 09:42 PM
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#43
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reuse jizz rags as toilet paper
post 1617789311 09-27-2020, 11:31 PM
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#44
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Originally Posted By bsrkoacar⏩
be single
I think that's situational.

If your GF/wife makes an income then it only serves to help fund the costs together, even if she makes less. Let's say you make $80k and she makes $30k (or vice versa), and she's willing to split the bills 50/50, or maybe even 30/70 due to the income discrepancy, still a likely net savings for yourself on the monthly basis, difference in apartments between a 1/1 and a 2/2 in my area is only like $350 a month, so her $30k easily covers more than that, in addition to her split of the food/bills. Granted her birthday, anniversary, Christmas, Valentine's all adds up against that too but still. If she makes closer to your income then it makes even more financial sense at an individual level. That's not even including tax benefits for filing as a married joint couple too, if married.

I can understand though if she makes little to nothing, has no drive/goals, doesn't split the bills, demands/expects more than she herself can even provide, yeah it's just like taking on a leech at that point.
post 1617791431 09-28-2020, 12:30 AM
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#45
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Get paid more
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post 1617791921 09-28-2020, 12:49 AM
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#46
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- Clear wrap + elastic band as condom, after use can rinse clear wrap and hang on clothes line for next use, unlimited uses

- steal neighbors wifi usually works well when neighbor is elder

- re use tea bags, bonus tip: if you go out bring a tea bag with you and just ask for hot water

- have sex with men and get paid for it, known as g4p (no homo)

- apply to be a student but never enrol and then use student card to get discounts on phone plans, public transport
post 1617792071 09-28-2020, 12:58 AM
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#47
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i have been drinking smoothies as my primary breakfast and dinner meals with ramen imbetween for lunch.

I buy protein, olive oil, oats, carrots(freeze them), brocolli/cauliflower(freeze them), and bananas(freeze them). Mix em all together for a decently high calorie smoothie that never gets tiresome. Costs less than $3 a day to eat well balanced and nutritious meals.
post 1617792361 09-28-2020, 01:14 AM
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#48
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I only buy things that will make me happy (for a sustained period, not something like an immediate hit of serotonin), or makes me life easier/quicker/more convenient or comfortable - or that I can tax deduct.

It's pretty much broken down into, household bills/essentials (can't get out of, mortgages, bills, food, maintenance, gym membership)

Tax deductions

I've got to the stage where I dont really buy things anymore and my budget is completely locktight, especially in lockdown when you cant go on holiday or eat out that easily.

I just spend a few hundred a month eating out with friends / dinner parties.

If youre struggling with saving, I'd look at what you could cut back on your fixed outgoings (remortgaging at a lower rate, taking out a loan at a lower interest rate to pay of higher interest rate debt, paying for your electricity for the year up front, changing internet providers all that kinda stuff) and also maybe look into an app like Plum or something that can help monitor.

I dont trust 3rd party apps with my banking info, so I use an excel spreadsheet to track all of mine every week. I think its paramount to know where youve got money coming in and where its going - otherwise its too easily spent.

Now I've got to the stage in my business where I pay myself the same every single month, siphon off a portion for tax into a separate business account, and then when I pay myself I transfer ~90% I immediately into a savings account which I dont touch.

Adjust budget by skewing the % of savings you put away each month until you find something that can work for you.
post 1617793951 09-28-2020, 02:17 AM
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#49
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Originally Posted By AgRyan⏩
Cooking groceries is one of the biggest frauds in America. You can buy a decent fast food meal or frozen meal for less than 5 bucks. Any decent meal you're cooking yourself is going to cost like 10 bucks unless you're on that poverty mode, in which case you should be ordering from the dollar menu anyways.
Batch cooking. I can make complete meals for $2-3 each. Large cuts of meat (like pork butt)+rice/beans+cheap/in season veggies. Not that hard.
-Virtue is its own reward

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post 1617794001 09-28-2020, 02:19 AM
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#50
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Originally Posted By backinthegymbro⏩
learn to cut your own hair. Saved me thousands.
Agreed. Haven't paid for a haircut in years. I just go with a #1 attachment on my shaver and buzz my head.
America is the number one clown show

India > China

Stay home, save lives.....UNTIL THE END OF TIME

Come for the sloot threads, stay for the riveting social commentary
post 1617794221 09-28-2020, 02:31 AM
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#51
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Originally Posted By -JR⏩
Batch cooking. I can make complete meals for $2-3 each. Large cuts of meat (like pork butt)+rice/beans+cheap/in season veggies. Not that hard.
You throw a piece of bread in there you got a stew going on

Never touched my per diem
post 1617794521 09-28-2020, 02:51 AM
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#52
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buy Walmart soap refills

buy stackattack chips there made by Pringles and sold only at walmart... lots of generics are just name brands with different labels.
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post 1617794591 09-28-2020, 02:53 AM
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#53
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Set a budget for Onlyfans and stick to it. Maximum 400/month, anything more would be crazy.
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post 1617794651 09-28-2020, 02:56 AM
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set a used panties budget and stick to it. I only spend 200 a month on that stuff.
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post 1617794751 09-28-2020, 03:03 AM
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#55
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Sell house or stop leasing apartment. Build one of those studio sheds for $30k with all the works. Would need to spend another 10k to put a bathroom/shower extension with plumbing as well as a kitchen with appliances, but if you don’t mind a small space, it’s cheap af compared to owning a large home.
post 1617794851 09-28-2020, 03:07 AM
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Stay single
post 1617802771 09-28-2020, 06:49 AM
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#57
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Originally Posted By AgRyan⏩
Cooking groceries is one of the biggest frauds in America. You can buy a decent fast food meal or frozen meal for less than 5 bucks. Any decent meal you're cooking yourself is going to cost like 10 bucks unless you're on that poverty mode, in which case you should be ordering from the dollar menu anyways.
U wot m8? Meal prepping vs eating out is one of the best ways to cut down on day to day expenses, especially if you're tracking macros and/or calories.

My breakfast and lunch combined today cost me about $3.50, that's for ~100g protonz, ~100g carbs, ~15g fats, and MUCH higher food quality than some fast food chit. Sous vide + seared boneless chicken breast, 3 servings jasmine rice split between the two meals, and a couple handfuls of frozen chopped veggies in each.
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post 1617803951 09-28-2020, 07:06 AM
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#58
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Sell Options to noobs
post 1617804101 09-28-2020, 07:08 AM
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#59
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Set daily goals not to spend any money
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post 1617804661 09-28-2020, 07:15 AM
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#60
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only drink tap water
eat instant noodles
taco bell dollar menu when you want to spoil yourself
dont get carwashes
save bottles and turn them in
Never tip
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